While we all have tried our best to recover from the past three years of the pandemic, covid hasn’t gone for good. Even today, it still raises its ugly head in different parts of the world with new complications. But that won’t stop the world from moving. If travelling is your only solace, then don’t fret because travel insurance with covid cover is here.
This blog will discuss everything you need to know about travel insurance with COVID cover UK, including its benefits, coverage, and exclusions. We’ll also provide an overview of the best travel insurance options for you, so stick with us till the end.
What is travel insurance with COVID cover?
Travel insurance with COVID cover is a type of policy that protects you against the financial losses you may incur if your trip is disrupted or cancelled due to COVID-19. This can include expenses related to medical treatment, quarantine, and repatriation if you contract the virus while travelling.
In addition to traditional travel insurance benefits like trip cancellation, baggage loss, and medical expenses, COVID cover may include coverage for things like a trip interruption or cancellation due to positive COVID-19 tests or travel restrictions, as well as emergency medical and evacuation expenses related to COVID-19.
What does travel insurance with COVID cover entail?
With COVID-19 cases still present around the world, it’s important to ensure that you are prepared for any unexpected events that may occur while travelling. This can include testing positive for COVID-19 or being required to quarantine.
Travel insurance with COVID cover may include coverage for various expenses related to COVID-19, such as:
- Medical expenses: Coverage for medical treatment and hospitalisation expenses if you contract the virus while travelling.
- Trip cancellation and interruption: Coverage for non-refundable expenses if your trip is cancelled or interrupted due to COVID-19.
- Trip delay: Coverage for additional expenses if your trip is delayed due to COVID-19.
- Emergency medical evacuation: Coverage for emergency medical evacuation expenses related to COVID-19.
- Quarantine accommodation: Coverage for additional expenses if you are required to quarantine due to COVID-19.
- Repatriation: Coverage for expenses related to returning home due to COVID-19.
It’s important to note that the coverage may vary depending on your chosen insurance provider and policy. Therefore, it’s essential to read the fine print and understand the coverage limits and exclusions before purchasing a policy.
Things that won’t be covered in travel insurance with COVID cover
While travel insurance with COVID cover offers protection against many unexpected events, there are some exclusions that you need to keep in mind. Some standard exclusions may include:
- If you visit a destination for which the Foreign, Commonwealth and Development Office (FCDO) has issued an advisory against all travel or only essential travel.
- If you have pre-existing medical conditions, your policy may not cover you if you contract COVID-19.
- If you cancel your trip due to fear or anxiety about contracting COVID-19, your policy may not cover you.
Things to keep in mind when picking travel insurance with COVID cover
Before you choose travel insurance with COVID cover, here are some points to check:
- Policy wording: Read the policy documents thoroughly and check what is included and what’s not. This way, you’ll understand your cover better.
- Policy limits: Go through the policy and look for COVID-19-related limits on things like medical or quarantine expenses. Make sure that there are no hidden costs.
- Destination coverage: Some policies may not provide you cover to destinations that are at high risk of being COVID-infected. Do check if your destination is properly covered in the policy.
- Claims process: Make sure you know the claiming process for COVID-related claims well. This is a case of time sensitivity and will require you to provide relevant documents if the need arises.
3 Best travel insurance with COVID cover in the UK
Here are some of the best travel insurance options with COVID cover UK:
Staysure is a well-known travel insurance provider in the UK that offers COVID cover as standard on all policies. They have a range of options, including single-trip, multi-trip, and annual cover, with varying levels of coverage for medical expenses, cancellations, and other benefits. Their COVID cover includes emergency medical expenses, repatriation, and quarantine costs, in case you catch the virus while travelling.
The Post Office is another popular option for travel insurance in the UK. They offer COVID cover on all their travel insurance policies, including single-trip, multi-trip, and backpacker cover. Their policies also cover medical expenses, trip cancellation and curtailment, and personal belongings. They offer 24/7 emergency assistance and a virtual doctor service that can be accessed from anywhere in the world.
AXA is a global insurance provider that offers COVID cover as an optional extra on its travel insurance policies. Their COVID cover can be added to single-trip, multi-trip, and annual policies. In addition to COVID protection, their policies also provide you cover in case you face any accidents or medical situations or if you have to cancel your trip. They, too, provide 24/7 emergency assistance and a global network of medical providers.
It is best to consider travel insurance with COVID cover before you plan your next trip. Always choose a policy with adequate COVID protection so that you can enjoy your trip with peace of mind, knowing that you’re covered if anything goes wrong. Do compare policies and read the fine print carefully before committing to one. For more travel updates and content, visit Tripcolumn.
Can I cancel my trip due to COVID-19?
Yes, you can. Though, that doesn’t necessarily mean your travel insurance provider will cover your expenses. If you cancel your trip because you fall ill due to COVID-19 or any of the reasons we provided above, then you’ll most probably be covered, given that you opted for the covid cover.
What are the benefits of getting annual travel insurance with COVID cover?
Getting annual travel insurance with COVID-19 cover will be cheaper if you are a frequent traveller. Also, you won’t have to buy new travel insurance every time you go on a trip.
Will travel insurance with COVID cover include pre-existing medical conditions?
Most providers will still provide you with a travel insurance policy with COVID cover even if you have pre-existing medical conditions. However, for that, you’ll have to declare the conditions while taking out your policy.