Coronavirus Update: More Of Our Policies Now Include Additional Cover for Coronavirus

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Coronavirus Travel Insurance

It looks like we’re going to get a summer holiday this year after all, which means it’s time to book up that much needed trip!

We understand that some of you may be a little bit apprehensive about booking a trip. On the one hand you want to go away and enjoy a break after what’s been an unimaginable year, but at the same time there can be a sense of apprehension as to whether you wait until the pandemic is over.

Whatever you decide, is completely up to you, however if you are planning to go holiday then it is important to find a travel insurance policy that covers coronavirus and the different ways it could impact your trip.

What does our enhanced Coronavirus Cover include?

Please visit our policy wordings for full details. If you are an existing customer, and want to know how coronavirus affects your policy or claim, please visit our dedicated FAQs page.

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Please Remember - There is no cover on any of our policies if you travel against government or other regulatory authority (ie FCO) or medical advice
Please note, that unless otherwise stated in the table above, no other costs related to COVID-19 will be covered.
You will be covered in the event thatWhat policies would you be covered underWhat we would need in the event of a claim
All Express, Last Minute & Niche policies (except Family & MC)Wintersports Standard, BPLS and BPLS Plus, Motorcycle StandardAll ST & MT policies, Family, Motorcycle Premier, Wintersports Premier, BPLS Platinum and Staycation Plus
Before You LeaveYou test positive for COVID-19 and are unable to travelxConfirmation of positive test results and no symptoms or diagnosis prior to purchasing your policy
You have been made redundant and cannot afford to travel anymorexConfirmation letter, and must be since purchasing your policy as you are not covered for a known event prior to purchase.
Your airline goes into administration due to the pandemic.xConfirmation that you are unable to recoup the costs elsewhere
You have to isolate at home due to Covid-19xxEvidence of Track and Trace contact, a positive test result for Covid-19 for someone in your household, or proof that someone in your household has to isolate and you have been instructed to do so as well.
You or a family member were hospitalised or died due to Covid-19xxEvidence from a medical professional confirming any illness, infectious disease or death.
When you're awayYou fall ill with COVID-19 (or other Pandemic illness) abroad and need medical treatment abroadConfirmation that no symptoms or diagnosis made prior to travel
You fall ill with COVID-19 (or other Pandemic illness) abroad and need to be repatriated to the UKConfirmation that no symptoms or diagnosis made prior to travel
You show symptoms of COVID-19 whilst on your trip and must self isolate in your accommodation and you would like to claim for any cancelled excursions.xConfirmation that no symptoms or diagnosis made prior to travel as well as proof of your proportional share of cost
You have been denied boarding at the airport due to detected symptoms of COVIDxNo cover if symptoms or diagnosis occurred prior to your policy purchase and subject to confirmation from your transport provider
You or a family member were hospitalised or died due to Covid-19xxEvidence from a medical professional confirming any illness, infectious disease or death.
You were denied boarding by your transport provider on the outward journey of your trip due having, or being suspected of having Covid-19xxA written report from the transport provider confirming the denial of boarding.
No cover if you have not followed the advice and requirements set by either the government or transport provider confirming the denial of boarding.
No cover if you were showing symptoms of, or had been diagnosed with Covid-19 when the policy was purchased

Which benefits can all Holidaysafe customers enjoy?

Holidaysafe USP Video from tifgroup on Vimeo.

All Holidaysafe customers can enjoy the following benefits:

  • Cover for cancellation if you are made redundant after you booked your trip
  • A range of policies and cover level available, so you can choose the one which best suits your trip and budget
  • Emergency Medical cover up to £10m
  •  Medical cover including repatriation if you contract coronavirus whilst on your trip.
  • Discounts for couples and families
  • Access to a UK based GP at all times whilst abroad
  • 24/7 emergency medical helpline
  • Free access to our customer area where you can view, amend and edit your quotes.

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Coronavirus FAQs

Is Coronavirus cover included for domestic trips?

If you are travelling on a domestic trip to enjoy a well-deserved staycation you will find comfort knowing Holidaysafe offers specialist staycation cover on our “Staycation Plus” policies. Our staycation product includes enhanced cover for coronavirus that offers additional benefits that are tailored to domestic travel, including:

  • Cancellation cover if you or anyone named on your policy test positive for COVID-19, 14 days before you are due to travel.
  • Cover for denied boarding on domestic flights as a result of showing symptoms of COVID-19*
  • Cover to come home early from your trip as a result of getting Coronavirus*
  • 24/7 access to a UK based GP at any time during your trip.

*Terms and Conditions apply, please check policy wordings for more information.

Which countries can I actually travel to?

You’ll need to check which travel restrictions apply to you as England, Scotland, Northern Ireland and Wales can have different rules and restrictions to travelling abroad.

Make sure you always check the government and Foreign, Commonwealth and Development Office’s (FCDO’s) foreign advice checklist before going away. Please note that unfortunately we cannot provide cover for anyone travelling against the advice of the FCDO, so please check before you book your trip or set off for your trip.

Keep up to date with the latest advice and sign up for email travel alerts for the destination(s) you’ll be travelling to, you’ll be able to do this on each countries travel advice page.

What about any changes in relation to Travel?

It is important to note that our travel insurance policies will only be valid if the FCDO has marked your destination country as safe to travel. Before booking your holiday and travel insurance it is recommended that you check the latest FCDO advice to ensure that your destination is safe to travel.

Other changes to travel will involve travellers providing their journey and contact details 48 hours before arriving back to the UK.

As the details surrounding the pandemic are forever changing, we suggest you:

  • Keep up to date with the latest travel news in relation to your holiday destination.
  • Read the government’s guidance on safer air travel.
  • Purchase travel insurance as soon as you book your flights or accommodation.
  • Keep up to date with the FCDO’s advice surrounding your chosen destination.
  • Adhere to social distancing and use hygiene protection methods.
  • Wear facial protection on airlines.

If I am taken ill whilst abroad due to Coronavirus, will I be covered?

Yes, you will be covered with any of our Holidaysafe products for any emergency and necessary emergency medical treatment, including repatriation, as a result of Coronavirus.

Your policy will also cover you for all other emergency medical treatment abroad as per the terms and conditions of the policy.

If I need to cancel my trip due to Coronavirus will I be covered?

Reason for Cancellation & Policy TypeFrom 14/03/2020As of 12/08/2020As of 01/11/2020As of 12/11/2020As of 30/04/2021
If you are unable to travel and you haven't made a claim or travelled on the policy, you could be entitled to a partial or pro-rata refund if you were to cancel it. For more information about this please click here.

Alternatively, if you have postponed or re-scheduled your holiday, we can change the dates on Single Trip policies online, simply click here.
Cancellation cover due to testing positive for COVID-19 within 14 days of your trip.
(All Holidaysafe Policies - excluding last minute & express)

Cancellation cover due to testing positive for COVID-19 within 14 days of your trip. (Holidaysafe Premier Plus & Platinum Policies)
Cancellation cover due to testing positive for COVID-19 within 14 days of your trip.
(Holidaysafe Standard & Premier Policies)
Cancellation cover due to testing positive for COVID-19 within 14 days of your trip.(Holidaysafe Backpacker & Longstay Policies).
Cancellation cover due to having to isolate at home due to COVID-19, or in the event you or a family member were hospitalised or died due to Covid-19.
(Holidaysafe Platinum Single & Multi Trip Policies)

My airline or tour operator have cancelled my holiday, am I able to claim on my travel insurance?

If your airline or tour operator have cancelled your travel plans, it is their responsibility to either change your dates or offer you a full refund.

Which? has provided some great insight into different companies and how to seek your refunds, you can find the article here.

As of 12th August 2020 Holidaysafe Premier Plus and Platinum customers will be able to claim for loses as a result of their airline going into administration due to the pandemic.

As of 1st November 2020 Holidaysafe Standard and Premier customers will also be able to claim for loses as a result of their airline going into administration due to the pandemic.

As of 12th November 2020 Holidaysafe Backpacker and Longstay customers will also be able to claim for loses as a result of their airline going into administration due to the pandemic.

My airline or tour operator have changed my travel dates, can I change my insurance?

Yes, no problem! If you have a Single Trip policy, we have an online form you can fill out to complete this online.

There may be an increased cost to your policy if you are extending the duration, changing the geographical destination or moving your dates more than 12 months from the original date your purchased.

To fill in the form, please click here.

Holidaysafe has been rated 9.1 out of 10 based on over 8,000 customer reviews on Trustpilot.

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Am I covered if I am told I need to self-isolate?

If you test positive for coronavirus up to 14 days prior to your departure and therefore need to stay at home to self-isolate, then we can cover you for cancellation. We can pay you for any pre-paid costs be it accommodation, transportation or unused excursions, that you are unable to get back from anyone else, up to the limit listed on your policy.

If you catch Covid-19 whilst you are away then we can pay you a benefit towards the cost of your pre-paid unused excursions that you are unable to go on during your trip due to having to isolate. As well as that, we can pay for additional accommodation should you not be able to return home as planned due to isolating. When you are able to return home, we can pay towards the cost of returning back home at the earliest possible date based on medical or local authority advice.

Am I covered if I am told that I need to quarantine whilst abroad?

If you have to quarantine whilst you are away because you have caught Covid-19 then we can pay for the cost of your pre-paid unused excursions that you are unable to go on during your trip due to having to isolate.

We can also pay for additional accommodation per 24-hour period should be not be able to return home as planned due to isolating.

When you are able to return home, we can provide cover for the cost of returning back home at the earliest possible date based on medical or local authority advice.

How much does coronavirus travel insurance cost?

Most of our policies now have enhanced Coronavirus cover for no additional charge. Price of cover in general can differ based on a number of factors including: how long your trip is, how many people you want to cover and what type of policy you opt for, as well as any optional extensions you choose to include or cover for any medical conditions.

Click here to get a quote.

Which countries are on the green list?

The green list as of May 17th has been announced, however countries could be added or taken off the list at any given time, so make sure you check regularly. Click here to view the countries on the latest green list.

Will travel insurance cover me if I travel against FCDO advice?

Generally speaking, no travel insurance policy will provide cover should you travel against FCDO advice. It is there to keep you safe and therefore by travelling against this advice, you are putting yourself at known risk.

How can I protect my holiday against coronavirus?

There’s a number of things you can do to protect your holiday against coronavirus and its effects, but one of the best ways is to take out a travel insurance policy which provides coronavirus cover and protection against the scenarios you think could occur. It is all too easy to purchase a policy and not read the policy wording, but now more than ever it is essential that you know exactly what you are and are not covered for.

At Holidaysafe, our policies cover you against a number of COVID-related situations:

  • Cover for testing positive within the two weeks leading up to your trip, and having to cancel
  • Cover if you test positive or display symptoms leading to you being denied boarding on your return trip home
  • Cover for medical expenses related to COVID-19 during your trip
  • Cover for financial failure of your airline if they go into administration as a result of the pandemic
  • Cover in the event you need to cancel your trip because you have been notified by Track & Trace to self-isolate
  • Cover in the event that you have been made redundant, and can no longer afford to travel

Can I buy coronavirus travel insurance if I’m already away?

At Holidaysafe we do not offer policies for those who have already travelled and left the UK. The best thing to do is take out travel insurance as soon as you have booked your trip for the widest amount of protection. What a lot of people don’t realise is that your single trip policy protects your holiday from the minute you purchase it, so should something such as you test positive for coronavirus 14 days prior to your trip, then we can cover you.

Can I cancel my holiday if my booked airline collapses

If your airline collapses and your flights are therefore cancelled, then yes you can cancel your holiday. We can pay up to £3,000 with a Platinum policy to cover irrecoverable loss, which you cannot get back from anyone else. 

What happens if I contract coronavirus abroad?

If you do catch coronavirus whilst you are away, then we are here to help you. We cover up to £10,000,000 medical expenses, so should you need to go to hospital we can cover the costs.

If you catch coronavirus and do not need to go to hospital then you will still have to self- isolate. In this instance we can provide cover towards the cost of your pre-paid unused excursions that you are unable to go on during your trip due to having to isolate.

As well as that we can cover for additional accommodation per 24-hour period should be not be able to return home as planned due to isolating.

When you are able to return home, we can provide cover for the cost of returning back home at the earliest possible date based on medical or local authority advice.

What happens if I am denied boarding and cannot return home?

If you are denied boarding because you have tested positive for coronavirus or are suspected to have it then we can cover for additional accommodation per 24-hour period should be not be able to return home as planned due to isolating.

When you are able to return home, we can provide cover for the cost of returning back home at the earliest possible date based on medical or local authority advice.

Featured Articles

Cover Levels
Up to £7,500* Cancellation cover

This section of cover begins from the second you pay your premium when buying a Single Trip policy, and from the start date that you choose when purchasing a Multi-Trip policy. Cancellation cover can step in to cover pre-paid costs, for things like accommodation, transport and car hire, that you cannot recover from any other source (e.g. your tour operator) in the event that you cannot go on your trip. The section will cover cancellation for a number of reasons, but it is important that you read your policy wording for full details. *(Under our Platinum policy)

Up to £10,000,000* Medical Cover

Injury or illness are inconvenient at the best of times, but imagine needing emergency medical attention abroad – you may not be able to communicate with doctors, and will most likely have to pay for your treatment. This is where our medical expenses section can help you, as we will consider medical bills up to £10,000,000 on many policies, including the cost of getting you back to the UK if medically necessary. Furthermore, every Holidaysafe policy comes with access to our doctor managed emergency medical helpline, which is available to help you 24 hours a day, every day of the year. *(Under our Premier, Premier Plus & Platinum policy)

Up to £3,000* Personal Possessions Cover

Some of the most common and annoying holiday disasters involve personal possessions, such as lost, stolen, damaged or delayed baggage. These policy sections can step in to cover the costs of these disasters, but you must check the cover to ensure the policy limits are enough to cover the items you are taking abroad. If you need cover for gadgets, make sure this is covered as standard on your chosen policy, otherwise, you can add the cover as an extension on the options page of the quote process. *(Under our Premier Plus & Platinum policy)

View All Cover Levels
Medical Conditions -

All Holidaysafe Travel Insurance policies are able to include cover for hundreds of medical conditions, and declaring them online is quick and simple thanks to the specialist Protectif medical risk rating service. Some of the most common ones include:

  • High blood pressure / hypertension
  • Asthma
  • High cholesterol
  • Underactive thyroid / hypothyroidism
  • Diabetes (both type 1 and type 2)
  • Food allergies and intolerance
  • Arthritis
  • Heart conditions
  • Stroke
  • and many more…
Activity Packs & Extensions

Activity Packs

If you wish to partake in any activities whilst on your trip abroad, you need to ensure you have the correct level of cover. To do this, simply click our ‘view activity packs’ button below, and find your chosen activity. If it falls into packs 2-8, you will need to add the relevant activity pack to your policy on the options page of the quote process. All activities in pack one are covered as standard. Please note, you will not be covered unless the appropriate activity pack has been applied to your policy and you have paid the appropriate premium. View activity Packs

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Why Holidaysafe?
  • Award Winning Travel Insurance
  • Save 15% Online!
  • FREE and secure Customer Area
  • Discounts on Couples & Family Policies
  • 24/7 access to a UK based GP during your trip
  • 24/7 Emergency Medical Assistance
  • And Much More

*Single Trip Travel Insurance – pricing based on a 35-year-old travelling to Europe for three days.

Please note, Holidaysafe’s online prices automatically include a 15% discount against our Customer Service Centre prices.