Last updated: 13th December 2023
AllClear Gold, Gold Plus and Platinum policies - coronavirus cover
Any reference to Coronavirus (COVID-19) throughout our FAQs also includes SARS-CoV-2 (severe acute respiratory syndrome coronavirus), as well as any variation or mutation of these conditions.
Wherever we say that we will ‘consider' claims, be aware this will be in line with your policy's specific terms and conditions. This does not guarantee your claim will be paid.
Cover available on AllClear policies
AllClear policies only provide cover for Coronavirus related claims 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.
| Answers | |
|---|---|
If you are travelling to a country where the FCDO advice is against all or all but essential travel... |
If you are travelling to a country where the FCDO advice IS against all or all but essential travel due to the COVID-19 pandemic:
Please note that
|
Are you covered for Coronavirus if you haven't had the Covid vaccinations? |
This policy only provides cover for Coronavirus related claims if:
|
| Scenario | Is cover provided? | Conditions of cover | |
|---|---|---|---|
Before you go |
This policy only provides cover for Coronavirus related claims if:
You need to cancel your trip because you or a member of your family or travelling party are,
|
Covered as standard |
|
While you're abroad |
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. |
Covered as standard |
No cover if travelling against government or other regulatory authority (ie FCDO) or medical advice. The Conditions, General exclusions and section specific Conditions still apply. |
During your trip you contract Coronavirus and you need medical treatment. |
Covered as standard |
No cover if travelling against government or other regulatory authority (ie FCDO) or medical advice. The Conditions, General exclusions and section specific Conditions still apply. |
|
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. |
Cover for additional travel and accommodation expenses is limited to £2,000. If, due to unexpected circumstances that are beyond your control and which fall under the conditions of this cover, you cannot finish your holiday within the period of insurance set out on your validation certificate, we will extend your cover for up to 30 days. |
No cover if travelling against government or other regulatory authority (ie FCDO) or medical advice. The Conditions, General exclusions and section specific Conditions still apply. |
What you are not covered for
| Scenario | Is cover provided? | Conditions of cover | |
|---|---|---|---|
Government restrictions |
Government or other regulatory authority restrictions due to a pandemic were already in place at time of purchasing insurance/booking holiday and restrictions remain in place at time of departure preventing you from travelling. |
No Cover |
There is no cover under your policy for circumstances known to you at the point of purchase. |
Government or other regulatory authority restrictions due to a pandemic were in place at time of departure and you travelled anyway. You need to make a claim under your policy (under any section). |
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. |
If you're travelling to a country where the FCDO advice is against all or all but essential travel due to the COVID-19 pandemic, your policy will provide cover for non-COVID-19 related incidents (see above). However, outside of these circumstances, there is no cover under your policy for travelling against FCDO or other government advice. The Conditions, General exclusions and section specific Conditions still apply. |
|
Cancelling or cutting short your trip due to restrictions implemented by any Government or Administration |
No Cover |
Your policy does not cover cancellation or costs relating to cutting short your trip due to a) restrictions implemented by any government or administration; or b) actions taken by a transport or accommodation provider, as a result of, or measure to control, Coronavirus. |
|
No travel restrictions exist at time of travel. During travel, travel restrictions are imposed asking you to return to your country of residence due to COVID. |
No Cover |
Your policy does not cover cancellation or costs relating to cutting short your trip due to a) restrictions implemented by any government or administration; or b) actions taken by a transport or accommodation provider, because of, or measure to control, Coronavirus. |
|
Disinclination to travel |
Government restrictions are introduced due to a pandemic that do not restrict you from travelling to your destination but require you to be quarantined on return from your trip. You no longer wish to travel and want to cancel your holiday. |
No Cover |
Your policy does not cover disinclination to travel. |
You are due to travel but hear that there are a number of cases of a pandemic illness near where you are staying. You no longer wish to travel and want to cancel your holiday. |
No Cover |
Your policy does not cover disinclination to travel. |
|
You booked your flight and hotel separately. Your flight is proceeding as planned but your hotel has cancelled your booking, there are other hotels available but you do not wish to travel if you cannot stay at your originally planned hotel. |
No Cover |
Your policy does not cover any claims due to actions taken by transport or accommodation providers as a result of, or measure to control, Coronavirus. |
|
You are due to travel and your hotel advises that certain facilities may now be restricted or closed during your stay. You no longer wish to travel and want to cancel your holiday. |
No Cover |
Your policy does not cover disinclination to travel. |
|
You are considered vulnerable by the UK Government and want to self-isolate, you no longer wish to travel and want to cancel your holiday |
No Cover |
Your policy does not cover for claims relating to any fear or threat concerning these viruses which leads to a disinclination to travel |
|
Provider offers voucher instead of refund |
Your holiday has been cancelled due to a pandemic and your provider is only offering you a voucher rather than a refund. |
No Cover |
Your policy only covers irrevocable losses. Please note that you should take the matter further with your provider. |
Denied boarding due to detected symptoms of COVID |
You have been denied boarding on outbound journey. |
No Cover |
|
You have been denied boarding on return. |
No Cover |
Refund from provider
Where you can, you should try to get a full refund from your travel company, tour operator or travel agent or credit card provider. We'll only consider non-refundable expenses on your travel insurance policy.
