Important Information About COVID-19

We are here to help if you are experiencing financial difficulties as a result of COVID-19. If you are struggling to make a premium payment, we will do our best to help. Please contact us by emailing info@annualtravelinsurance.com with details of your policy. If you have more than one policy with us, please make sure to let us know in your email.

Covid-19 Travel Insurance FAQs

Travel Insurance FAQs – Covid-19 (Coronavirus)

To give you some peace of mind on your next trips, we at AnnualTravelInsurance.com UK have put together some essential travel insurance advice in relation to Covid-19 (Coronavirus) cover.

Important information for Covid-19 (Coronavirus) and your Travel Insurance

Please check the Foreign and Commonwealth Office (FCO) website (https://www.gov.uk/guidance/travel-advice-novel-coronavirus) to ensure you are up to date on the latest travel advice to the area/country you are travelling to.

We understand that if you are due to travel soon, or if you are abroad already, you may have some concerns around your Travel arrangements.

If you need to make a claim or discuss a claim then please contact the claims team directly on the details below.

Mapfre UK
Travel Claims Services
Tel: 0203 3622 424
Email: enquiries@travelclaimsservices.com

What are you covered for:

Scenario	Cover Stance	Cover Conditions
You fall ill with Covid-19 abroad and need medical treatment abroad.	Cover as Standard	No cover if travelling against the advice of the Foreign and Commonwealth Office (FCO) or medical advice.
You fall ill with Covid-19 abroad and need to be repatriated to the UK.	Cover as Standard	No cover if travelling against the advice of the Foreign and Commonwealth Office (FCO) or medical advice.
You fall ill with Covid-19 abroad and you need to extend your stay as a result of Coronavirus incurring additional costs.	Cover as Standard	No cover if travelling against the advice of the Foreign and Commonwealth Office (FCO) or medical advice. Additional expenses subject to £2,000 limit.
You fall ill with Covid-19 at home and cannot travel.	Cover as Standard	Claims will only be considered where there is a medical diagnosis with Coronavirus (Covid-19) or a personal instruction to quarantine by the NHS or a healthcare professional.
Your travelling companion falls ill with Covid-19 at home and cannot travel.	Cover as Standard	Claims will only be considered where there is a medical diagnosis with Coronavirus (Covid-19) or a personal instruction to quarantine by the NHS or a healthcare professional.
Your family member is hospitalised with Covid-19 and as a result you cannot travel.	Cover as Standard	Claims will only be considered where there is a medical diagnosis with Coronavirus (Covid-19) or a personal instruction to quarantine by the NHS or a healthcare professional.
You are diagnosed with Covid-19 whilst on your trip and must self-isolate in your accommodation. You would like to claim for any cancelled excursions.	Cover as Standard	Non-recoverable costs would be considered but you first must check for refunds with the booking provider.
You need to curtail your trip as a close relative has passed away from Covid-19.	Cover as Standard	No cover if your relative was already hospitalised before you left on your trip.

If your policy was purchased and your trip originally booked prior to 13^th 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 if you have Travel Disruption on your policy.	In all instances, you should first contact your Airline, Accomodation or Travel Agent or Tour Operator as you will only be covered for irrecoverable losses.

What you are not covered for:

Scenario	Cover Stance	Relevant Exclusion
Government or other regulatory authority restrictions due to a Covid-19 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 Covid-19 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 Foreign and Commonwealth Office (FCO) or other government advice.
Current government restrictions are removed but are later reinstated due to Covid-19 and prevent you from travelling.	No Cover	Your policy does not cover cancellation due to government restrictions if the policy or trip was purchased after 13th March.
Government restrictions are introduced due to a Covid-19 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 disinclination to travel.
You are due to travel but hear that there are a number of cases of a Covid-19 near where you are staying. You no longer wish to travel and want to cancel your holiday.	No Cover	Your policy does not cover cancellation due to disinclination to travel.
You have been furloughed and no longer wish to travel.	No Cover	Your policy does not cover cancellation due to 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 Foreign and Commonwealth Office (FCO) advice 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.
You have been denied boarding at the airport due to detected symptoms of Covid-19.	No Cover	Claims will only be considered where there is a medical diagnosis with Coronavirus (Covid-19) or a personal instruction to quarantine by the NHS or a healthcare professional.