Read about our Coronavirus (COVID-19) cover included on all policies here

Can I travel against Foreign, Commonwealth & Development Office (FCDO) travel advice?

The cover under our policies may be reduced where there Foreign, Commonwealth & Development Office (FCDO) advises against either 'all' or 'all but essential' travel. You can view the current advice by clicking here.

FCDO advises against 'all travel'

No Cover

FCDO advises against 'all but essential travel'

If your travel is 'essential': Full Cover

If your travel is not 'essential': Cover excluding any claim arising either directly or indirectly from the reason the FCDO advice against travel is in place. For example if your destination states 'The FCDO advises against all but essential travel to … based on the current assessment of COVID-19 risks.' then your policy would provide full cover for any otherwise valid claim other than a claim caused either directly (for example you contracting COVID-19) or indirectly (for example your accommodation becoming unavailable due to COVID-19) by COVID-19.

What is 'essential' travel?

To understand what is considered essential travel (and some examples of what is not) please click here.

Please Note: If you are travelling to multiple destinations under your policy you must check the FCDO advice before each leg of your trip. If you are travelling for non essential travel and move from a country without advice in place to a country for which 'all but essential' travel advice is in place your cover will be reduced as outlined above for that portion of your trip.

Am I covered to travel to an 'Amber' or 'Red' list country?

You can travel to any destination listed on your certificate of insurance. Cover under your policy is not impacted by the traffic light system (you may travel to green, amber or red countries), however, 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.

You should familiarise yourself with the current regulatory advice for travel prior to your travelling (in particular the requirements for testing and quarantine under the traffic light system), please click here for more information.