Travel Insurance FAQ’s – Coronavirus (Covid-19)

Posted on February 27, 2020

Coronavirus (Covid-19) – FAQ’s

Valid as of 18/03/2020


If I travel to affected areas against the DFA advice, will my travel insurance be invalidated?

We would urge you to follow the advice as outlined by the DFA / local authorities and not place yourself at additional risk. Therefore no cover would be provided if you travelled against the advice of the DFA.

If I become ill due to the Coronavirus while I’m overseas, would I be covered for medical treatment overseas?

For policies purchased prior to 18 March 2020 cover would be in place, however, you should be aware that treatment is subject to the locally available facilities and medical repatriation or transfer to alternative medical facilities will be subject to any travel restrictions that may be in place.

Am I covered if I cancel my trip due to Coronavirus (Covid-19)?

If you wish to make alternative travel plans, you should in the first instance contact your airline, tour operator or travel provider to reschedule or seek a refund for your trip. Only then can consideration be given to claims under your travel insurance for unrecovered costs.

Policies issued prior to the 18th March 2020
Insurers will consider cancellation claims where the DFA advise against all or all but essential travel, providing your trip is due to depart on or before 30 April 2020. If your trip is due to depart after this date, unfortunately there is no cover in the event of cancellation due to DFA travel restrictions.

Policies issued on or after 18th March 2020
On 11th March 2020 the WHO declared Coronavirus (Covid-19) a pandemic. As this is now a known event, there is no cancellation or curtailment cover for claims relating to the Coronavirus (Covid-19) for policies issued or trips booked on or after 18th March 2020.

I am due to travel but I have been quarantined by my Doctor? Can I cancel my trip?

If you have been advised to self quarantine, then consideration can be given to your claim. For a claim to be validated your trip must be due to depart within the quarantine period and we would need evidence of the need to self quarantine. If the quarantine period is due to end before your departure date, this would not be considered as a valid claim.

If you need to make a claim, you should contact our emergency medical assistance team

Telephone: +44 (0) 1243 621078
E-mail: claims@cegagroup.com

Valid as at 17 March 2020

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