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Frequently asked questions

Coronavirus support for travel insurance customers

When it comes to travelling, these past few months haven’t been the easiest to navigate. And while some travel restrictions are now being eased, the rules could be different depending on your destination and the guidance could change.

To help you keep up to date with the latest, here’s our top ‘things to remember’ and frequently asked questions.

Things to remember

Check the latest Foreign and Commonwealth Office (FCO) guidance for the country you’re travelling to

This is important, because if the FCO is advising against all but essential travel to your destination, your travel insurance won’t cover you.

The FCO has set out a list of countries that are exempt from its global advisory against ‘all but essential travel’. Because this list is subject to change, you should visit the FCO’s website for the most up to date and accurate information.

Check what your travel insurance will and won’t cover you for

The date you booked your trip will determine what you’re covered for – it’s important to make sure you understand what you will or won’t be covered for before you book a trip, travel or make a claim.

On the 11 March 2020, the World Health Organisation (WHO) declared coronavirus (COVID-19) a pandemic. As of 11 March 2020, coronavirus is therefore considered a ‘foreseen event’, which means certain parts of your travel insurance policy may not apply.

Coronavirus-related claims will only be considered for any part of your travel booked on or before 11 March 2020 (subject to policy guidance and FCO guidance). Any part of your trip booked after 11 March won’t be eligible for coronavirus-related claims as coronavirus would no longer be considered ‘unforeseen’.

Still got questions? Please see our list of frequently asked questions below.

Frequently asked questions

I’ve booked a holiday but would now like to cancel it because of COVID-19. Will I be able to claim on my travel insurance?

It depends on the circumstances under which you’d like to cancel:

  • If you booked your trip after the 11 March 2020, or the date the FCO advised against ‘all but essential travel’ to your destination, then your claim will not be covered if it’s related to the coronavirus. In this instance you should first contact your travel provider – they may be able to change your booking or arrange a refund. If you paid for any part of your trip with your credit or debit card, you could also check with your card provider to see if you’re entitled to a refund.
  • If you booked your trip before 11 March 2020, a claim for cancellation may be considered. If the FCO is still advising against all but essential travel to your destination. Where eligible, AIG will cover non-refundable costs incurred providing that you haven’t been able to change your booking or get compensation from your tour operator, accommodation provider, airline, travel agent, or other provider.
    If you paid for any part of your trip with your credit or debit card, you should also check with your provider to see if you are entitled to a refund.
  • Finally, please note that your travel insurance won't cover you if you change your mind and decide not to travel.

The FCO is advising against ‘all but essential’ travel to my destination – will my travel insurance still cover me if I decide to go?

If the FCO is advising against ‘all but essential’ travel to your destination, but you decide to travel anyway, your travel insurance won’t cover you.

The FCO has set out a list of countries that are exempt from its global advisory against ‘all but essential travel’. Because this list is subject to change, you should visit the FCO’s website for the most up to date and accurate information for the destination you’re travelling to.

If the FCO is advising against ‘all but essential’ travel to your destination, your travel insurance will cover any trip cancellation costs where you’re unable to get compensation from your travel provider, provided you booked your trip prior to the FCO advice or the WHO declaration on 11 March 2020.

I’m travelling to a destination where the travel restrictions have been lifted by the FCO, but I no longer want to travel and would like to cancel my trip – will my travel insurance cover me?

Unfortunately, your travel insurance won’t cover you if you change your mind and decide you no longer want to travel.

I have a holiday booked, which is going ahead. However, I’m not able to self-isolate in quarantine, if required, when I return to the UK. Can I cancel my trip?

If the FCO are allowing travel to your destination, but a UK quarantine requirement is in place, your insurance won’t cover cancellation of your trip if you’re not able to comply with quarantine measures. This is because it’ll be considered as ‘disinclination to travel’ which isn’t covered under your policy terms and conditions.

If the FCO is advising against ‘all but essential’ travel to your destination, your travel insurance will cover any trip cancellation costs where you’re unable to get compensation from your travel provider provided you booked your trip prior to the FCO advice or the WHO declaration on 11 March 2020. Please visit the FCO’s website for the most up to date and accurate information for the destination you’re travelling to.

I need to make a cancellation claim on my travel insurance – what information will I need to provide?

If you believe you’re covered and you cancel your trip, you can make a claim on your travel insurance.

Where eligible, AIG will cover non-refundable costs incurred providing that you haven’t been able to change your booking or get compensation from your tour operator, accommodation provider, airline, travel agent, or other provider.
If you paid for any part of your trip with your credit or debit card, you should also check with your provider to see if you are entitled to a refund.

When submitting a claim, AIG will ask for:

  • Your original booking, and which parts of it are non-refundable
  • Cancellation invoices for all parts of your holiday i.e. flights, accommodation, car hire, etc.
  • Correspondence and medical records from your doctor or medical practitioner.

It’s important to remember that each claim will be considered based on the individual facts and circumstances surrounding the events.

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