Does my existing travel insurance cover me for COVID-19?

In short, we can cover your medical treatment if you catch coronavirus abroad, as long as you're travelling to a country on the UK's Green list and the FCDO isn't advising against travel to your destination.

Unfortunately, we can no longer cover any travel disruption, trip cancellations or if you need to come home early because of coronavirus. This is because coronavirus is now a known event and is still highly unpredictable. This will be the same for most travel insurers. For example, if a country you're about to visit imposes a lockdown and you can't travel there or need to be quarantined, you wouldn't be covered for cancelling your trip.

We also can't cover you if you have to cancel a trip because you have coronavirus or are self-isolating with symptoms before your trip. For example, if you're advised not to travel due to coronavirus or coronavirus symptoms, you wouldn't be covered for cancelling your trip.

Finally, we can't cover the cost of private tests required for entry or re-entry. Or the cost of quarantine accommodation in the UK or abroad.

Please see below for what we can cover and see here for more on UK trips.

What is covered if I travel?

  • If the FCDO's travel advice is that it's ok to travel to a country and you go abroad, we will cover you as normal. For example, you'd be covered for all the usual things as part of your policy, like medical expenses, your baggage, travel delay costs, legal costs, missed departures, and many more things.
  • Your policy does also still cover trip cancellations and travel disruptions for reasons other than coronavirus. Your policy will have these reasons listed out, or you can send us a message to ask a specific question. For example, if you broke your foot the day before you travel, you'd be covered for cancelling your trip.
  • Finally, if you catch coronavirus in another country and require medical treatment, you're covered for medical expenses.

How does the FCDO's travel advice affect my cover?

We always recommend that you follow the FCO's travel advice. And, if you choose to travel against their advice, you would, unfortunately, invalidate your travel insurance and we wouldn't be able to cover anything.

This is still the case, even if your trip is considered essential.

How does the Green list affect my cover?

We always recommend that you follow the governments travel advice. So, we can only cover trips to countries on the Green list.

This is still the case, even if your trip is considered essential.

How do I know if my trip is affected?

The most accurate and up to date information for UK residents is the Foreign Office’s website, usually referred to as the FCDO (previously the FCO).

You can search for any country and check what the latest advice is. They will clearly state if they advise against travel to a certain destination.


Founders

Founders

The two co-founders of Pluto, Alex & Harry.