Our policies include our independently rated 5 star COVID-19 cover, to help you decide if this cover is suitable for your needs please view our dedicated Coronavirus Page which explains how your cover applies in a number of circumstances.

While we recommend you read our Coronavirus Page to understand in more detail the cover we include as standard we need to make you aware of the following:

• Prior To Travel: You will be covered for cancellation of your trip if you fall ill with COVID-19 or are required to self isolate by Track and Trace or the NHS COVID-19 App and cannot travel. You will not be covered if you need to cancel due to government restriction on travel or if you will need to quarantine either at your destination or on return home.

• During Your Trip: You will be covered if you are denied boarding at your departure point (ie Airport, Cruise or Train terminal) due to detected symptoms of COVID. You are also covered if you fall ill with COVID-19 and you need medical treatment, repatriation to the UK or to extend your stay incurring additional costs. You will not be covered if you wish to return early to avoid a requirement to quarantine on your return.

• Our policies are valid for travel to the countries shown on your certificate of insurance. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information.

Please note that all cover noted above is subject to terms and conditions.