Why do you need Coronavirus Travel Insurance?
The Coronavirus pandemic reminded us all about the importance of comprehensive Travel Insurance so we can travel with peace of mind. That way, you know you’ll be covered for Coronavirus problems, as well as any issues with your existing medical conditions, whether arising before you go or while you’re away. Our Covid-19 cover has been rated Superior by a leading independent UK Consumer Champion and is included with AllClear policies at no extra cost. This includes single trip policies, annual policies and Group Travel Insurance.
Top things to look out for in a Covid Travel Insurance policy
Comprehensive Travel Insurance is a must when planning a holiday. Look for a policy to protect you for different eventualities around Coronavirus.
- Emergency medical cover: if you contract Coronavirus when you’re away
- Cancellation cover: that covers you for cancelling your trip due to contracting Coronavirus
- Curtailment cover: If you have to return home earlier than planned, due to an immediate relative being hospitalised or dying as a result of them having Coronavirus
- Repatriation cover: to bring you back to the UK again if needed, as well as cover for a continued recuperation stay
What does AllClear Coronavirus cover include?
AllClear Gold, Gold Plus and Platinum cover provide the following Covid cover.
- If you need to cancel your trip because you or a member of your family or travelling party are, medically diagnosed with Coronavirus within 14-days of your planned departure date following completion and analysis of a UK Government approved test, as certified by a medical practitioner or as certified or verified by an independent authority (e.g. private testing service); orin quarantine on the date you are due to commence your trip, on the orders of a treating medical practitioner due to Coronavirus, suspected Coronavirus or exposure to someone who has been diagnosed with Coronavirus.
- If you need to curtail your trip and return to your home earlier than planned due to the hospitalisation or death of an immediate relative, as a result of them having contracted Coronavirus.
- If during your trip you contract Coronavirus and you need medical treatment.
- If you have to extend your trip due to either contracting Coronavirus or being quarantined on the orders of the treating medical practitioner, due to Coronavirus, suspected Coronavirus or exposure to someone who has been diagnosed with Coronavirus, up to £2,000 cover for additional travel and accommodation
Please note, AllClear policy will only provide cover if you are up to date with Coronavirus vaccinations as recommended by the UK NHS (if in doubt please check with your medical practitioner), or you were medically unable to have the vaccinations as evidenced by your medical records. Our policies continue to provide all other cover for non-COVID-19 related incidents, including Emergency Medical Costs, Baggage (up to £5,000), Passports, Money and Personal Accident claims, as usual during your trip.
If you are travelling to a country or area where the FCDO/ WHO advise against all or all but essential travel, due to Coronavirus, your policy will provide cover for claims that are not caused by or related to Coronavirus, including Emergency Medical Costs, Baggage, Passports, Money and Personal Accident claims, as usual during your trip (subject to policy terms conditions and exclusions).
Your policy will not provide cover for any claim caused by or related to Coronavirus.
| You will be covered in the event that | Policies that will cover you | What we would need in the event of a claim | |
|---|---|---|---|
| Before you travel | You test positive for Covid-19 and are unable to travel | AllClear Gold, Gold Plus or Platinum Travel Insurance policy | A copy of the positive Coronavirus test result that you received from a registered medical practitioner or independent authority (e.g., private provider); or A positive lateral Flow test (or a picture of a positive lateral flow test) with adequate and appropriate supporting evidence or independent certification; or If the claim relates to your being quarantined on the orders of a treating medical practitioner, we will require written proof of this. |
| When you’re travelling | You require medical treatment abroad as a result of Covid-19 | AllClear Gold, Gold Plus or Platinum Travel Insurance policy | A copy of the positive Coronavirus test result that you received from a registered medical practitioner or independent authority (e.g., private provider) or a positive lateral flow test (or a picture of a positive lateral flow test) with adequate and appropriate supporting evidence or independent certification |
| You require repatriation back to the UK after falling ill with COVID-19 while on holiday | AllClear Gold, Gold Plus or Platinum Travel Insurance policy | A copy of the positive Coronavirus test result that you received from a registered medical practitioner or independent authority (e.g., private provider) or a positive lateral flow test (or a picture of a positive lateral flow test) with adequate and appropriate supporting evidence or independent certification |
If you have any other questions or if you’re an existing customer and want to know how Coronavirus affects your policy or claim, please visit our dedicated Covid FAQs page.
What our Customers Say
Frequently Asked Questions about Coronavirus Travel Insurance
Who is eligible for COVID Cover under our policy?
To be eligible for COVID Cover, you must either be up to date with Coronavirus vaccinations as recommended by the UK NHS or have medical evidence proving that you were medically unable to receive the vaccinations.
What are the "recommended" Coronavirus vaccinations?
The recommended vaccinations for COVID Cover are those applicable to individuals falling within the NHS vulnerable group, specifically those individuals who have been invited by the NHS to receive booster shots. Currently, this includes:
- Residents in care homes for older adults
- All adults aged 65 years and over
- People aged 6 months to 64 years in a clinical risk group (as defined in the UKHSA Green Book on Immunisation)
- Frontline health and social care workers
- People aged 12 to 64 years who are household contacts of people with immunosuppression (as defined in the UKHSA Green Book)
- People aged 16 to 64 years who are carers (as defined in the UKHSA Green Book), and staff working in care homes for older adults.
What if you’ve only had 1 or 2 doses of the vaccine?
If you have only received 1 or 2 doses of the vaccine, but the NHS recommend and invite you to have a booster, you will need to ensure you receive the recommended booster vaccinations to maintain COVID Cover eligibility.
How can you verify your eligibility for COVID Cover?
Eligibility for COVID Cover is contingent on receiving the recommended booster shots if you fall within the “recommended vaccinations” criteria as defined by the UK NHS. If you are invited by the NHS to receive booster shots, make sure to get them in a timely manner.
What should you do if you’re unsure about your vaccination status or eligibility?
If you are uncertain about your vaccination status or eligibility, we recommend consulting with your GP or referring to the NHS website for guidance. It’s crucial to clarify your status to avoid any potential cover issues.
If you contract Coronavirus before you go on holiday, are you covered to cancel your holiday?
Yes, on AllClear Gold, Gold Plus and Platinum policies. If you become unfit to travel, provided you have booked your trip and bought your Travel Insurance policy prior to contracting the illness, you are able to submit a cancellation claim for consideration if you have Coronavirus within 14 days of your trip (provided you have chosen a policy that included cancellation cover).
If you are quarantined before your departure due to Coronavirus and cannot go on holiday, are you covered to cancel your trip?
Yes, with AllClear branded policies you’ll be covered if you need to quarantine on the orders of a treating medical practitioner due to Coronavirus, suspected Coronavirus or exposure to someone who has been diagnosed with Coronavirus.
What if you catch Covid-19 while on holiday?
Your travel insurance would cover your medical treatment costs as long as you were not travelling against regulatory or medical advice. This includes cover for repatriation to the UK if medically necessary. If you are unable to return to the UK within the dates on your insurance due to Covid-19 treatment the policy would automatically extend for up to 30 days.
What if you need to cut short your trip because a close relative passes away from Covid-19?
This is covered as standard as long as they were not already in hospital before you left for your holiday.
Please note all the information on this page is subject to the terms and conditions of your policy.
Reviewed by Kay Greveson, Clinical nurse specialist and Chair of IBD Passport charity. Kay is a qualified independent nurse prescriber and has been an IBD specialist nurse since 2005. Kay’s research interests include travel health and IBD. * Provided you have purchased a policy which includes cancellation cover. [1] Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 40,000 reviews as of July 2023.
