You have cover for Coronavirus under the terms and conditions of your policy, unless at the time of booking your trip there was something to suggest that it was unlikely to go ahead. The phone number is open 24 hours a day. If they confirm they are unable to assist, and don’t offer any refund or only a partial refund, please make a claim either by logging into your policy (if you are an InsureandGo customer who bought directly from us, not a comparison site) or by downloading a claim form via the following link: http://www.travelclaimsservices.com/Claims. We use cookies to improve your experience of our website. Additionally, the FCDO currently advise against all cruise travel. After this time, we consider COVID-19 to be a known incident. It's more important than ever to make sure you have the right travel insurance… Lodging a travel insurance claim with us is easy, and you can even do it from your lounge room, if you like.. You'll need to have a few supporting documents handy, starting with your policy number. Please note that if you decide to travel against the FCDO’s advice, you will not be covered for any subsequent claim. While we will endeavor to provide periodic updates regarding travel safety, travelers should consult the World Health Organization (WHO) and Centers for Disease Control and Prevention (CDC) websites for the most up-to-date information on the COVID-19 pandemic. The FCDO currently advise against all but essential travel for British nationals, but there is a growing list of countries that are exempt from this advice. They will be able to give you guidance based upon your individual circumstances. Does travel insurance cover pandemics? The policy will only cover you for non-refundable expenses. Plans can include everything from a lost or damaged suitcase to a medical emergency to a trip cancellation. Travel insurance is available – all providers on MoneySuperMarket’s panel offer emergency medical treatment and repatriation as a result of coronavirus as a minimum Here are some of the most commonly-asked questions around how global travel restrictions for the foreseeable future will affect both new and existing travel insurance policies. This web page is aimed at helping firms understand the FCA’s position. It does not guarantee that your claim will be paid. COVID-19 became a known event on January 22, 2020 and was recognized as an epidemic as of February 3, 2020. Earlier this summer, the Government did lift some travel restrictions, but these have now largely been reimposed as coronavirus cases surge, and overseas travel is either banned or advised against across the UK. Ordinarily, claims for cancellation due to prevailing FCDO advice would not be considered until your planned date of departure. The insurers in this table offer some form of this. Although you were told when you purchased your policy that Coronavirus claims would not be covered, we will now consider claims for: Please be aware there is no cover for any other Coronavirus related claims, and all other terms and conditions of the policy apply. about the COVID-19 (Coronavirus) 26 February 2020 This bulletin will be updated as applicable in the future as current events evolve. If you bought travel insurance before coronavirus (COVID-19) became a "known event", you may be able to get some money back if you cancel your … Travel insurance Travel insurance: What you need to know. You can check the current status here: https://www.gov.uk/guidance/travel-advice-novel-coronavirus. Medical expenses if you need treatment for Coronavirus while abroad, including up to £2,000 to cover additional accommodation costs if this treatment means you need to extend your trip. How travel insurance covers Covid-19. Your travel insurance can only cover you for specific scenarios for the coronavirus pandemic. You should contact your flight provider in the first instance, as they may be able to assist you. Coupons or vouchers for future travel would constitute a monetary refund. There may be instances where cover is not available. Coronavirus statement and FAQs – Click here to find out what cover is available on our policies and how this might affect you. If they confirm they are unable to offer any refund or only a partial refund, please make a claim either by logging into your policy (if you are an InsureandGo customer who bought directly from us, not a comparison site)or by downloading a claim form via the following link: http://www.travelclaimsservices.com/Claims. Here are some of the most commonly-asked questions around how global travel restrictions for the foreseeable future will affect both new and existing travel insurance policies: This insurance is underwritten by Mitsui Sumitomo Insurance Company, Limited, ABN 49 000 525 637, AFSL 240816. We might consider a claim for curtailment, depending on the individual circumstances and providing that at the time of booking the trip there was nothing to suggest that a claim would be necessary. Due to the rapidly evolving nature of the outbreak and claim considerations on DFAT advice, the entitlements of your policy may change depending on the advice given by DFAT. In the first instance, you need to try to get a refund from your tour operator or travel agent. If you booked a now-cancelled package holiday, your travel provider must give you a full refund under the Package Travel Regulations 2018. Domestic travel insurance for COVID-19. Once completed, the form should be sent by email (along with electronic copies of any supporting documentation) to enquiries@travelclaimsservices.com. Emilie Please be aware this post has 1 subsequent relevant update. Please note that if an airline or package tour operator cancels your flights/holiday, they are required to provide you with a refund. Please be aware our policies only cover connecting flights where the stopover was originally scheduled on your itinerary for more than 6 hours.Â. you had ‘continuous cover’) then trips booked before the renewal date would be covered for Coronavirus claims, regardless of when the trip is taken. If an airline or package tour operator cancels your flights/holiday, they are required to provide you with a refund. Coronavirus exclusion. Please note that this supersedes any country-specific advice (e.g. "Most travel insurance plans don't offer coverage for pandemics like the coronavirus," says Cory Sobczyk, a vice president for business development at Arch RoamRight, a travel insurance … For trips booked before your renewal date: Your previous policy provided cover for Coronavirus related claims, unless at the time of booking your trip there was something to suggest that it was unlikely to go ahead. You can check the current status here: https://www.gov.uk/guidance/travel-advice-novel-coronavirus. You have cover for Coronavirus under the terms and conditions of your policy, but it’s important to check the FCDO advice before you travel. Factors we will take into account include the FCDO advice, UK government restrictions, and restrictions at your destination at the time of booking. The travel insurance policy does not provide cover for any claims relating to an incident which you were aware of at the time you took out the insurance and which could reasonably be expected to lead to a claim. If you are unable to leave and you contract the virus, cover would be provided for medical expenses. This will affect the level of Coronavirus cover on any trips booked prior to the renewal of your policy. Factors we will take into account include the FCDO advice, UK government restrictions, and restrictions at your destination at the time of booking. Please note that references to Coronavirus includes COVID-19, SARS-COV-2 (Severe Acute Respiratory Syndrome Coronavirus), and any variation or mutation of these conditions. Find out more about how insurers are handling the virus and how to pay for care. Our Gold and Black travel insurance has been rated 5 Star by the independent experts at Defaqto, meaning that these policies have a … This web page is aimed at helping firms understand the FCA’s position. Also contact your airline, cruise or travel operator to check if tourist services are affected or for cancellations.Â, Please note if you choose to cancel your trip, there are no provisions to claim under your policy for change of mind or fear of travel.Â, © 2019 Mapfre Insurance Services Australia Pty Ltd. 5 Star products and service. Cases When Travel Insurance May Cover Coronavirus Trip Cancellations. Please can we ask that you do not try to contact us unless you are due to travel within the next 7 days – we need to be able to speak to people who are just about to travel as the priority. The phone number is open 24 hours a day. International travel insurance for COVID-19 If you are contractually obliged to pay the remaining sum of your trip, then we will take the date that you initially booked the trip as your ‘booking’ date. In the first instance, you need to try to get a refund from your tour operator or travel agent. If you bought your policy before 12:00am AEDT on 21st January 2020: and were in, or due to travel to the Hubei Province you may be covered for cancellation or medical expenses as per the benefits in your specific PDS.Â, and were due to travel elsewhere you may be covered as per the benefits of your specific PDS, but you will not be covered for cancelling your trip due to change of mind or fear.Â, If you bought your policy after 12:00am AEDT on 21st January 2020 and before 4:00pm AEDT on 31st January 2020:Â, You may not be covered for claims arising in other parts of China, where disruptions to the itinerary occur as a result of publicly known tourist attraction closures directly related to the Coronavirus (2019-nCoV). If you decide to travel against the FCDO’s advice, you will not be covered for any subsequent claim. If you buy a new policy it will include some cover for Coronavirus. Please also email this address if you are unable to log into your policy or download a form. Please also email this address if you are unable to log into your policy or download a form. Please note that with annual multi-trip policies, you are not covered for the cancellation of your trip until the policy start date. We know that it’s difficult to contact us at the moment, and we’re sorry about that. If you have not had continuous cover, your renewal will be classed as a new purchase (see ‘I want to buy a new policy now’). Once completed, the form should be sent by email (along with electronic copies of any supporting documentation) to enquiries@travelclaimsservices.com. Lodge your travel insurance claim. Some providers have restricted cancellation and travel disruption cover in policies bought after coronavirus was declared a … If they confirm they are unable to help and don’t offer any refund or only a partial refund, please make a claim either by logging into your policy (if you are an InsureandGo customer who bought directly from us, not a comparison site) or by downloading a claim form via the following link: http://www.travelclaimsservices.com/Claims. Yes, we will allow you to use one home visit to stay back in the UK until such time as the FCDO advise it is safe to travel back to your destination country. Not all travel insurance will treat all the risks associated with the novel coronavirus the same way. Additionally, the FCDO currently advise against all cruise travel. If you are trying to buy travel insurance today, you will need to speak to insurance providers and discuss the cover that will best suit your needs. If you didn't purchase a policy by 31 January 2020, it's unlikely you'll get travel insurance that covers claims resulting from coronavirus since it was deemed a known event. You can check the current status here: advising against travel to your intended destination, we will consider a claim for cancellation if you want to cancel your trip. Please note that coupons or vouchers for future travel would constitute a monetary refund. Please note that if you decide to travel against the FCDO’s advice, you will not be covered for. Please also email this address if you are unable to log into your policy or download a form. You should approach the event organiser in the first instance, as they may be able to arrange a refund. Many consumers are currently in a vulnerable position because of the coronavirus (Covid-19) pandemic. Travel insurance covers you for non-refundable costs, meaning you should contact your airline, or travel or accommodation provider first to find out what your options are. If you choose to travel against the FCDO’s advice, you will not be covered for any subsequent claim. The phone number is open 24 hours a day. Major travel insurers responded to the pandemic by changing policies so they no longer covered coronavirus-related incidents, but over the past few months at least two dozen insurers have reintroduced some form of coronavirus cover. If they confirm they are unable to offer any refund or only a partial refund, please make a claim either by logging into your policy (if you are an InsureandGo customer who bought directly from us, not a comparison site) or by downloading a claim form via the following link: http://www.travelclaimsservices.com/Claims. 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