Activity TopUp - Coronavirus Exclusion

WILL MY MEDICAL TREATMENT ABROAD BE COVERED IF I FALL ILL WITH COVID-19?

The Activity TopUp policy is only designed to cover you for doing the specific activity(s) that you have selected cover for in case you get injured or ill doing that activity. If that was the case, and during the course of your treatment for your injury you subsequently contracted COVID-19 and required medical treatment, this would be covered. In that circumstance you would also be eligible to claim for the Inconvenience Benefit section of the cover.

Please note that the policy will only cover you for doing activities in a country / area to which the FCDO say it is safe to travel. If you going to a country or zone to which the FCDO advise against travel, or against all but essential travel, unless you have got permission from us in writing, unfortunately we cannot cover you. Furthermore, you are expected to take all reasonable precautions prior to going on any trips, including having any vaccines for which you are eligible.

I AM ALREADY ABROAD, AND WOULD LIKE TO TAKE OUT COVER FOR AN ACTIVITY NOT COVERED UNDER MY TRAVEL INSURANCE POLICY. WILL YOU COVER ME?

It depends where you are. If you are in a country / area to which the FCDO say it is safe to travel, then you would be covered under the policy for doing your activity. If you are in a country or zone to which the FCDO advise against travel, or against all but essential travel, unless you have got permission from us in writing, unfortunately we cannot cover you. Please note that you are expected to take all reasonable precautions prior to going on any trips, and have any vaccines for which you are eligible.

THE EVENT THAT I WAS PLANNING TO TAKE PART IN HAS BEEN CANCELLED OR POSTPONED DUE TO COVID-19. CAN I CLAIM FOR THIS?

Because COVID-19 is such a known contingency and is still affecting so many events worldwide, unfortunately if your event is no longer taking place because of COVID-19, you would not be able to claim for this. If the event has been postponed and you plan to take part later in the year / next year, where we can, we would be happy to move your dates of cover. This would incur a £5 administration fee. If your new activity dates are longer, or you plan to do your activity in a higher rated zone, this may incur an additional premium. Please email us, quoting your policy no.at sales@protectivity.com, or call on 01494 887909.

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: www.rogerrich.co.uk 

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.