Flight schedules are filling up again and lockdown restrictions are being eased slowly, but Brits are still being advised not to travel abroad. With FCO advice still warning against all but essential travel, most travel insurance will not cover coronavirus-related issues.
At present anyone entering the UK has to quarantine for 14 days to limit the spread of coronavirus, including UK nationals who are returning from abroad.
If you were to go ignore the FCO advice and jet off somewhere sunny, you would probably be doing so without travel insurance.
However, Downing Street is expected to update the travel advice today to allow Brits to travel to a number of international destinations without having to quarantine on return.
Air bridges and a traffic light system are set to be announced today or later this week.
READ MORE- Travel insurance: Do any travel insurance policies cover COVID-19?
An air bridge, also known as a travel corridor or transport corridor, is an agreement between two countries that allows tourists to travel without restrictions.
The proposed traffic light system will rank countries from green to red, depending on how safe they are considered.
This will be based on the UK’s two-week infection rate compared to the other countries’.
Right now, the UK’s two-week infection rate is around 27.3, compared to France’s 5.8, Greece’s 2.5, Spain’s 10.1, and Italy’s 6.3.
The Netherlands, Turkey, Croatia, Finland, Belgium, Germany, and Norway also have smaller infection rates than the UK at present and so may be on the cards for a holiday.
No travel insurance provider will cover travelling while the Foreign Commonwealth Offices advise against it.
If the Government lifts the travel restrictions, you won’t need insurance to cover this.
However, it is worth considering that coronavirus is an unpredictable disease and restrictions could be placed on the UK or the country you are travelling to at any moment.
If you do decide to travel to a Government-approved country, you risk being stranded if the rules change and your insurance probably won’t cover this.
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Can you get travel insurance at the moment?
Some travel insurance policies will offer some coronavirus cover at present, even with the FCO advice warning against travel.
Money Saving Expert put together a list of the policies which cover the medical costs you would face if you catch coronavirus abroad.
The insurers offering this cover include Leisure Guard (Standard), Staysure (Comprehensive), Saga (if you are 50 and over), the Post Office (Standard), and the AllClear (GoldPlus).
Other policies will cover if you or a family member get the virus before travelling and subsequently cannot travel, as well as medical cover abroad for coronavirus.
This is the coverage you are looking for, and is the most protection you will be able to find at present.
Cover wise (Silver) offers annual cover from £18.40 and single trip cover from £8.50 with excess of £100.
It offers cancellation cover for coronavirus, but only if family member is receiving treatment for coronavirus.
Axa (Silver) offers the same protection, but costs from £26.92 for annual cover, and at least £18.95 for a one week trip.
The same is true for CoverForYou (Silver), but this policy has £0 excess.
This is the sum that the insurance company will deduct before they pay out, which means you save hundreds with this policy if you need to make a claim.
Annual cover on this policy starts at £32 for annual cover and £10.75 for a single trip.
Neil Wright, the founder and managing director of CoverForYou, Cedar Tree and Outbacker, said all three insurers have recently expanded its coronavirus cover.
Key elements of the cover from the three insurers include:
- If you are due to stay at a family member’s house and the family member, or someone in their household, has to self-isolate due to a pandemic, so you choose to cancel your trip because you have nowhere to stay
- If you are not allowed to board a plane at the airport due to detected Covid symptoms
- If you fall ill with Covid-19 or another pandemic illness and cannot travelIf you, or a member of your household, have to self-isolate at home and cannot travel
- If during travel, travel restrictions for a pandemic illness are imposed which were not in force ahead of travel, requiring you to return home.
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