Important Notice: Understand how Coronavirus affects your cover. Read more

Our policies cover a wide range of Coronavirus (COVID-19) risks as standard

Any policy sold by Outbacker includes cover for any medical claim due to Coronavirus* while travelling so long as you are travelling to an area where no FCO or other regulatory authority advice against travel exists. We include cover for cancellation due to you falling ill with Coronavirus* and being unable to travel or being required to self isolate, subject to medical certification or an official test result. We additionally include cover for curtailment due to the death of a close relative due to Coronavirus*

Any new** policy will not cover any cancellation due to government or other regulatory authority restriction on travel due to Coronavirus* or any future pandemic (for example the FCO advising against all travel or all but essential travel to your destination or your flights being cancelled).

We have outlined below the most common questions we are asked about how your policy covers you during a pandemic.

Any policy sold by Outbacker will (where normally included in your chosen cover level) continue to benefit from all other cover including but not limited to Emergency Medical Costs, Scheduled Airline and End Supplier Failure, Baggage including Gadget and Passports, Personal Accident and Liability.

For the full limits of cover for your chosen policy please refer to your schedule of cover. Terms and Conditions apply.

* Coronavirus (COVID-19), severe acute respiratory syndrome coronavirus (SARS-COV-2) or other Pandemic Illness.

** If your policy was purchased and trip booked prior to the 13th March 2020 this restriction does not apply.

Where can I travel?

You can travel to any destination listed on your certificate of insurance unless the Foreign & Commonwealth Office advises against either 'All' or 'All but essential' travel to that destination on the date of your departure. You can view the current advice by clicking here.

We additionally note that at the current time you may be subject to a requirement to self-isolate for 14 days on your return to the UK if you travel to a country that is not a travel corridor. You can view the current list of travel corridor countries that are exempt from self-isolation by clicking here

You are covered for:

Scenario Cover Stance Cover Conditions
You fall ill with COVID-19 (or other Pandemic illness) abroad and need medical treatment abroad Covered as standard No cover if travelling against government or other regulatory authority (ie FCO) or medical advice
You fall ill with COVID-19 (or other Pandemic illness) abroad and need to be repatriated to the UK Covered as standard No cover if travelling against government or other regulatory authority (ie FCO) or medical advice
You fall ill with COVID-19 (or other Pandemic illness) abroad and you need to extend your stay as a result of Coronavirus incurring additional costs. Covered as standard No cover if travelling against government or other regulatory authority (ie FCO) or medical advice
You fall ill with COVID-19 (or other Pandemic illness) at home and cannot travel. Covered as standard Subject to medical certification / test result. No cover if symptoms or diagnosis occurred prior to your policy purchase
You show symptoms of COVID-19 whilst on your trip and must self isolate in your accommodation. You would like to claim for any cancelled excursions. Covered as standard No cover if travelling against government or other regulatory authority (ie FCO) or medical advice
You or a household member has to self isolate at home and cannot travel. Covered as standard Subject to medical certification / test result. No cover if you were requested to isolate prior to your policy purchase
You have been denied boarding at the airport due to detected symptoms of COVID Covered as standard No cover if symptoms or diagnosis occurred prior to your policy purchase
New Government restrictions that did not exist at time of purchasing insurance/booking holiday are later introduced due to a non-pandemic illness and prevent you from travelling. Covered as standard
New travel restrictions which did not exist at time of purchasing insurance/booking holiday are introduced by the Government in relation to a non-pandemic illness requiring you to quarantine upon arrival (or upon return home) and you are no longer able to travel. Covered as standard
No travel restrictions exist at time of travel. During travel, travel restrictions are imposed asking you to return to your country of residence due to a Pandemic illness. Covered as standard
You are due to stay with family. A family member who you are due to stay with has to self isolate due to pandemic illness. You wish to cancel trip as you no longer have anywhere to stay. Covered as standard Subject to medical certification / test result
You need to curtail your trip as a close relative has passed away from COVID Covered as standard No cover if your relative was already hospitalised before you left on your trip.
You are no longer employed or have been made redundant and cannot afford to travel anymore Covered as standard There is no cover under your policy for circumstances known to you at the point of purchase.
Your airline goes into administration due to the pandemic. Covered as standard Subject to your chosen level of cover including Scheduled Airline Failure
Your travel provider (other than an airline) goes into administration due to the pandemic. Covered as standard Subject to your chosen level of cover including End Supplier Failure

If your policy was purchased and your trip originally booked prior to 13th March you are additionally covered for:

Scenario Cover Stance Cover Conditions
Government or other regulatory authority restrictions due to Coronavirus remain in place at time of departure preventing you from travelling. Covered as standard
Government or other regulatory authority restrictions due to Coronavirus are lifted prior to your departure but you will be required to quarantine on return from your trip. You are no longer able to travel and want to cancel your holiday. Covered as standard

You are not covered for:

Scenario Cover Stance Relevant Exclusion
Government or other regulatory authority restrictions due to a pandemic were already in place at time of purchasing insurance/booking holiday and restrictions remain in place at time of departure preventing you from travelling. No Cover There is no cover under your policy for circumstances known to you at the point of purchase.
Government or other regulatory authority restrictions due to a pandemic were in place at time of departure and you travelled anyway. You need to make a claim under your policy (under any section). No Cover There is no cover under your policy if you travel against FCO or other government advice.
Current government restrictions are removed but are later reinstated due to COVID-19 pandemic (or other Pandemic illness) and prevent you from travelling. No Cover Your policy does not cover cancellation due to a pandemic.**
No government restrictions are in place at time of purchasing insurance/booking holiday. A new pandemic is declared and government restrictions are put in place and prevent you from travelling. No Cover Your policy does not cover cancellation due to a pandemic.**
Government restrictions are introduced due to a pandemic that do not restrict you from travelling to your destination but require you to be quarantined on return from your trip. You no longer wish to travel and want to cancel your holiday. No Cover Your policy does not cover cancellation due to a pandemic or disinclination to travel.
You are due to travel but hear that there are a number of cases of a pandemic illness near where you are staying. You no longer wish to travel and want to cancel your holiday. No Cover Your policy does not cover disinclination to travel.
You are or have recently been furloughed and no longer wish to travel. No Cover Your policy does not cover disinclination to travel.
You booked your trip to attend a specific event (ie Wedding, Sporting Event, Trade Show) which has been cancelled. You no longer wish to travel and want to cancel your trip. No Cover Your policy does not cover disinclination to travel for any reason (including due to event cancellation)
You booked your flight and hotel seperately. Your flight is proceeding as planned but your hotel has cancelled your booking, there are other hotels available but you do not wish to travel if you cannot stay at your originally planned hotel. No Cover Your policy does not cover disinclination to travel for any reason (including due to a change of venue)
You are due to travel and your hotel advises that certain facilities may now be restricted or closed during your stay. You no longer wish to travel and want to cancel your holiday. No Cover Your policy does not cover disinclination to travel for any reason (including lack of advertised facilities at your hotel or venue)
Your holiday has been cancelled due to a pandemic and your provider is only offering you a voucher rather than a refund. No Cover Your policy only covers irrevocable losses. Please note that in most cases you will have a legal right to a refund and should take the matter further with your provider.

Definitions:

Close Relative - means mother, father, sister, brother, wife, husband, civil partner, daughter, son, grandparent, grandchild, parent-in-law, son-in-law, daughter-in-law, sister-in-law, brother-in-law, step parent, step child, step sister, step brother, foster child, legal guardian, domestic partner or fiancé/fiancée.

If you have a specific scenario not listed above for which you would like clarification, please contact our team at support@outbackerinsurance.com or 0203 475 4682