How could my travel insurance be affected by Coronavirus?

Travel


If you’re looking for information regarding the coronavirus and travel insurance, you may find the answers to your questions here.

If you still can't find what you're looking for, other ways to get help and information include visiting our claims centre, logging into your online account or speaking to us on Live Chat.

Please note that the following FAQs relate to new business policies underwritten by AXA Insurance from the 3rd August 2020 and are for all pandemic illnesses, including COVID-19. 


I'm due to travel, but the Foreign, Commonwealth & Development Office (FCDO) has advised against ‘all but essential travel’ for my destination – will I be covered?

No, you will not be covered to travel (including essential travel) to countries where the FCDO has advised against all but essential travel.


What happens if I get coronavirus whilst I'm away and need medical treatment?

You will be covered for medical claims relating to COVID-19 while you're on your trip, as long as you're not travelling against the advice of the Foreign, Commonwealth & Development Office (FCDO) or the equivalent government body in another country.


Will I be covered if I fall ill with COVID-19 (or any other pandemic illness) at home and have to cancel my trip?

Yes. Cancellation cover is automatically included if you can't travel because you've fallen ill with COVID-19 or have to self-isolate. This extends to members of your household covered under the policy.

You'll need to provide a medical certificate or an official test result if you make a claim.


The person I was meant to be staying with abroad is self-isolating due to COVID-19, so I no longer have anywhere to stay - will I be covered if I cancel my trip?

Yes. You'll need to provide a medical certificate or an official test result if you make a claim.


I was denied boarding at the airport because I have symptoms of COVID-19 – can I make a claim?

Yes, you will be able to make a claim.


I booked my trip while the government travel restrictions were in place and they still haven’t been lifted – can I make a claim?

Unfortunately we are unable to provide cover under these circumstances. This is because the restrictions were 'known' prior to booking your trip and buying your travel insurance.


The government travel restrictions on my destination were temporarily removed but later reinstated due to COVID-19 – will I be covered?

No, you will not be covered to travel to countries where the FCDO (or equivalent body in any other country) has advised against travel.


There were no government travel restrictions in place when I booked my trip and bought my travel insurance, but a new pandemic has now been declared and the FCDO is advising against travel – will I be covered to travel?

No, you will not be covered to travel (including essential travel) to countries where the FCDO has advised against travel.


There were no government travel restrictions when I booked my trip and purchased my travel insurance, but travel restrictions have now been put in place due to a non-pandemic illness and I am unable to travel. Will I be covered?

Yes, you will be able to make a claim under these circumstances.


Government travel restrictions have been imposed while I’m away on my trip and I have to return to my country of residence. Will I be covered?

Yes, you will be able to make a claim under these circumstances.


I'm due to travel but there are rising cases of COVID-19 near where I am staying - will I be covered if I decide to cancel my trip?

No, you will not be covered if you choose not to travel.


Last updated: 13 October 2020