The world is a very different place to what it was in early 2020! We know that lots of our customers are keen to get away to foreign shores again, so please read below to see what is and isn’t covered with regards to COVID-19 (or any mutations).
EMERGENCY MEDICAL EXPENSES AND REPARTRIATION
If you fall ill with COVID-19 during your trip and require emergency medical expenses care and / or repatriation to the UK, this would be covered under the policy, as long as the FCDO are not advising against all but essential travel, or against all travel to the country or area which you are visiting.
CANCELLATION OR CUTTING SHORT YOUR TRIP
If you are unable to go on your trip or decide to return home early for any reason relating to COVID-19, you would not be eligible to claim under the policy, as COVID-19 is now such a widely known contingency, We would however be happy to move your cover dates if you wish to postpone your trip.
TRAVELLING AGAINST FCDO ADVICE
Your policy will not cover you if the FCDO are advising against all but essential travel, or against all travel to your chosen trip destination country / area, unless you are exempt from that advice eg Elite athletes, and you could evidence that in the event of a claim. You can check the FCDO website here: https://www.gov.uk/foreign-travel-advice. We are happy to move your cover dates to future dates for you free of charge if you are postponing your trip.
QUARATINE / SELF ISOLATION
If you have to quarantine or self isolate before, during or after your trip, there is no cover for this under the policy.
If your questions are not answered above, during the quote process, or in the FAQs below, please email us at email@example.com or call us in office hours (Monday to Friday 9am to 5.30pm) to discuss.
FOR POLICIES QUOTED AND PURCHASED PRIOR TO 20TH MAY 2021, PLEASE CHECK YOUR INSURANCE SCHEDULE TO SEE WHAT IS COVERED.
WILL MY MEDICAL TREATMENT ABROAD BE COVERED IF I FALL ILL WITH COVID-19?
If you fall ill during your trip with COVID-19, or any mutation or variation thereof, we will cover the costs of your emergency medical treatment and where appropriate repatriation as long as you have had all recommended vaccinations, and adhere to all local and government advice and regulations. If you require hospital treatment, we will also pay out under the Inconvenience Benefit section of the policy, subject to the limits of cover. Please note that if you are eligible for vaccination against COVID-19 and chose not to have it, you would not be covered.
I HAVEN’T BOOKED MY FLIGHTS OR ACCOMODATION YET. WHAT DO YOU RECOMMEND?
A major outcome of the ongoing pandemic is that everyone is so much more aware that trips might not be able to go ahead as planned, or might be postponed. We highly recommend that you opt for refundable or exchangeable flights and accommodation so that if your trip cannot go ahead, you are not left majorly out of pocket.
WILL YOU COVER ME FOR TRAVELLING ABROAD?
We will only provide you with cover if there are no UK government restrictions in place against travel, and if there is no advice against travel or all but essential travel on the FCDO website.
If there is no FCDO advice against travel to your destination when you take out the policy, and that subsequently changes prior to your trip, unfortunately as COVID-19 is such a well known contingency currently, you would not be eligible to claim. We would suggest that you contact the trip and / or accommodation provider to see if you can move your trip dates. If this is allowed, we would be able to amend your dates of cover subject to a £5 administration fee. If your new trip dates are longer, or you plan to travel to a destination in a higher rated zone, this may incur an additional premium.
Please email us, quoting your policy no.at firstname.lastname@example.org, or call on 01494 887909.
If you need to quarantine upon arrival at your destination, unfortunately this would not be covered under the policy.
WILL I BE COVERED IF I NEED TO CANCEL MY TRIP BECAUSE I AM ILL WITH COVID-19?
If you, or any member of the group that you plan to travel with, or any member of your family falls ill with COVID-19, and you are unable to go on your trip, unfortunately this would not be covered. We would suggest that you contact your travel agent, airline and / or accommodation provider to see if you can postpone your trip. If you are able to do so, we would be amend your policy trip dates (for single trips) to the new trip dates for a £5 administration fee. If your new trip dates are longer, or you plan to travel to a destination in a higher rated zone, this may incur an additional premium. Please email us, quoting your policy no.at email@example.com, or call on 01494 887909.
MY DESTINATION IS ON THE UK GOVERNMENT GREEN LIST, BUT I AM WORRIED ABOUT TRAVELLING TO MY CHOSEN DESTINATION. IF I DECIDE NOT TO GO, CAN I CLAIM?
This would classify as disinclination to travel and would therefore be excluded under the policy.
IF THERE IS A OUTBREAK WHEN I AM ON MY TRIP, WILL I BE COVERED FOR MOVING ACCOMODATION, CUTTING SHORT MY TRIP, NOT BEING ABLE TO TAKE PART IN A PLANNED ACTIVITY OR HAVING TO QUARANTINE OR MISSING OUT ON ANY ASPECT OF MY TRIP?
As COVID-19 is such a widespread and known contingency, and local or national outbreaks are not that unlikely especially if a new more transmissible or vaccine resistant variant occurs, unfortunately this would not be covered.
I HAVE COVER WITH YOU AND AM ALREADY ABROAD. NEW LOCAL RESTRICTIONS HAVE COME INTO FORCE AND I CANNOT TRAVEL HOME AS ORIGINALLY PLANNED.
Please contact us to discuss and we will see what we can do to help.
CAN I CANCEL MY POLICY?
There is a 14 day Cooling Off period during which you can cancel and get a refund, assuming that you have not already travelled, and nothing has occurred which might result in a claim. After 14 days, if you have not travelled and there are no potential claims, you can cancel but there would be a cancellation fee.
I BELIEVE THAT I AM ELIGIBLE TO CLAIM UNDER THE POLICY. HOW DO I SUBMIT A CLAIM?
After reading the above guidance, if you have incurred costs that you have not been able to recover from the trip provider(s) or your payment card issuers, please contact our claims handlers to obtain a claim form. Their details are as follows:
Roger Rich and Co
A claim form can be obtained from their website
Or email Enquiries@rogerrich.co.uk
On call, Mon to Fri: 01494 412401
WE HOPE THAT WE HAVE MANAGED TO ANSWER MOST OF YOUR QUESTIONS, BUT IF THERE IS ANYTHING THAT WE HAVEN’T THOUGHT OF, PLEASE EMAIL OR CALL US WITH YOUR POLICY NO. IF APPLICABLE. IF WE CAN’T GIVE YOU AN INSTANT ANSWER, WE WILL LOOK INTO IT, AND GET BACK TO YOU AS SOON AS WE CAN.