Coronavirus Exclusion

For policies quoted and purchased prior to 20th May 2021, please check your insurance schedule to see what is covered. 

For policies quoted on or after 20th May 2021, the following will be covered:

The world is a very different place to what it was at the beginning of 2020! We know that lots of our customers are keen to get away to foreign shores again after a very testing year, so please read below to see what is and isn’t covered with regards to COVID-19 (or any mutations). If your questions are not answered during the quote process or in the FAQs below, please email us at  sales@protectivity.com or call us in office hours (Monday to Friday 9am to 5.30pm) to discuss.

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 sales@protectivity.com, or call on 01494 887909.

If you need to quarantine upon arrival at your destination, unfortunately this would not be covered under the policy.

IS TRAVEL TO AMBER OR RED LIST COUNTRIES COVERED UNDER THE POLICY?

The UK Government have recently announced that UK residents returning from “amber” list destinations will no longer need to self isolate upon their return to the UK, from the 19th July in an attempt to encourage foreign travel. Whilst this is good news in terms of helping to open up travel again, please note that our policy will not provide you with cover for any contingencies if you travel to a country to which the FCDO is advising against travel, or against all but essential travel at the time of you trip.

We would also like to point out that the Green, Amber and Red lists to which the Government and the Press refer do not totally coincide with the FCDO list. Our policies refer to the FCDO list, so you should check that there are no restrictions in place on the FCDO website before travelling https://www.gov.uk/foreign-travel-advice to ensure that you will have cover on your trip.

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 sales@protectivity.com, or call on 01494 887909.

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 travel 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 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 sales@protectivity.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
www.rogerrich.co.uk

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.