We have received several questions from our policyholders concerning Leisure Travel Insurance such as what the changes in the Foreign and Commonwealth Office Travel Advice mean and how Travel Insurance renewals might be affected.
As you will no doubt be aware, the UK Foreign and Commonwealth Office (FCO) has changed its travel advice concerning some 50 countries.
When you travel to an EU country you should have both:
- a European Health Insurance Card (EHIC)
- travel insurance with healthcare cover
You can use an EHIC until the end of 2020.
Please continue reading to understand how the changes affect the cover that is available on our Travel Insurance policies
- We are pleased to advise that unlike some policies, our Section 2 – Emergency Medical Expenses Cover is available, including cover for COVID-19 contracted while away providing that the FCO has NOT advised ‘All but essential’ or ‘All Travel’ prior to commencing your trip.
- Unfortunately other than Section 2 – Emergency Medical Expenses as noted above, our policy will not provide cover for any claims directly or indirectly related to, or the fear or threat of, a pandemic and/or epidemic, including but not limited to Coronavirus (COVID-19), including any related and/or similar condition(s) howsoever named or any mutation of these. This will include Section 1 – Cancellation or Curtailment. Most airlines and providers have been helpful with offering refunds and re bookings as a result of trips being cancelled due to lockdown.
As the FCO travel advice is likely to be updated over the coming weeks and months, as the situation changes, we will aim to provide you with regular updates to the guidance above as and when we are made aware of it.
Should you have any specific questions please contact us at [email protected]