You fall ill with COVID-19 before you are due to travel.

Provided you have had a positive test result within 14 days of the start of the trip, or if you are hospitalised due to Covid-19 within 28 days of the start of the trip you would be covered for cancellation. The test must have been conducted by an approved provider on the Department of Health and Social Care list of providers for Test To Release for international travel or who meet the DHSC minimum Covid19 requirements and standards. The test must be an approved PCR or Lateral Flow Test with a CE mark.

Please note you must have not had symptoms or a positive diagnosis before you purchased your policy for the cover to be valid.

You are contacted under the track and trace initiative and advised to self-isolate.

Provided you are contacted within 14 days prior to your booked departure date, including on the date your trip is due to commence.

Your travelling companion falls ill from COVID-19.

Provided they have had a positive test result within 14 days of the start of the trip, or if you are hospitalised due to Covid-19 within 28 days of the start of the trip you would be covered for cancellation.

Please note you must have not had symptoms or a positive diagnosis before you purchased your policy for the cover to be valid.

You, or a travelling companion, are denied boarding by the transport operator as a result of a positive test or temperature reading.

You would be covered for cancellation of your holiday pre departure if you or a travelling companion were denied boarding at the point of departure due to this reason.

You get COVID-19 whilst abroad and require medical treatment.

Medical expenses would be covered as standard within the terms and conditions of the policy. If you are travelling against medical advice you will not be covered.

I’ve checked in at my holiday accommodation, but they need to close as a result of COVID-19.

If you have checked in to your accommodation, and it then has to close, you will be covered for curtailment of your holiday. You should approach your tour operator or travel company to assist you in the first instance as they have a duty of responsibility to you, which should include finding suitable alternative accommodation.

Additional costs following the diagnosis of Coronavirus (COVID-19) while abroad.

Under the medical expenses section of the policy. It will offer cover for room only and travelling expenses for you and a close relative or friend who you might need to help you if it is deemed medically necessary by our 24 hour emergency assistance team.

During your trip you fall ill with COVID-19 and you require a medical escort to help you home.

We will pay to return you to the UK with a medical escort if deemed necessary by the local doctor and with the approval of our 24 hour emergency assistance team.

You fall ill with COVID-19 while abroad and as a result need to extend your stay.

Your policy would automatically extend to cover this.

Hospital benefit in the event of you being admitted overnight due to COVID-19.

The policy has enhanced COVID-19 hospital benefit cover included as standard.

The FCDO travel advice changes whilst I am abroad.

You do not need to curtail your trip if the FCDO advice changes due to COVID-19. You can continue your holiday knowing that your policy will still be valid and offer you cover. If you do decide to come home you will not be covered for curtailment or cancellation costs.

You receive a positive coronavirus test before returning to the UK and unable to travel as per government guidelines.

Yes cover is provided under the medical expenses section for reasonable and necessary additional accommodation (room only) and travel expenses if you are unable to return to the UK as planned due to a failed COVID-19 test as per entry requirements to the UK. Please note if you are instructed to quarantine in government / official accommodation you must do so as we will not pay for alternative accommodation if you chose to stay elsewhere.