This policy will ONLY provide cover for claims as a result of pandemic and/ or epidemic, including but not limited to Coronavirus (Covid-19) within the following sections:
- Section 1 - Emergency Medical Assistance & Expenses
Our policy provides cover for Emergency Medical expenses if an insured person contracts Coronavirus whilst abroad.
- Section 4 - Cancellation & Cutting Short a Trip
If it is necessary and unavoidable to cancel or cut short your trip because an insured person tests positive for Coronavirus within 14 days of your trip departure date, or is admitted to hospital due to testing positive for coronavirus after the purchase of this policy.
Provided that you have received the recommended number of doses of an approved Coronavirus vaccine 14 days prior to your trip commencing. This vaccination requirement shall not apply where you are unable to receive the vaccine for medical reasons, and this is shown in your medical records.
Please be aware: There is no cover under this policy if (having no symptoms of Coronavirus and/or not testing positive for Coronavirus) you are advised to quarantine or you choose to self-isolate due to a person you have come into contact with having Coronavirus.
Foreign, Commonwealth & Development Office (FCDO) Advice:
This insurance policy will not cover you to travel to a specific country or to an area where, prior to your trip commencing, the Foreign, Commonwealth & Development Office (FCDO) have advised against all (or all but essential) travel. This exclusion does not apply where your destination is within Europe 1 or Europe 2 (see the definition of 'Geographical Area') and where the Foreign, Commonwealth & Development Office (FCDO) have advised against all (or all but essential) travel solely due to the Coronavirus risk.
It is your responsibility to check the latest advice from the FCDO prior to commencing your trip, which you can find at https://www.gov.uk/foreign-travel-advice