This policy will provide COVID-19 cover in respect of Cancellation, Curtailment and Emergency Medical and Repatriation Expenses as defined in Section 21 or Section 22 if you have purchased our Enhanced COVID-19 Protect Cover of the policy wording (Section 16 or Section 17 if you have purchased our Enhanced COVID-19 Protect Cover of our Backpacker product) and summarised here.
Unless you purchase our Enhanced COVID-19 Protect Cover there is no cover under any section of the policy and no trip cancellation cover as a result of the Foreign Commonwealth & Development Office (FCDO) changing their advice to ‘all but essential travel’ due to COVID-19
There is no cover if you have to cancel your trip as a result of you being unable to travel due to government travel restrictions, such as National Lockdown. If you decide to travel anyway, this policy will not cover you for any peril that may arise, and any subsequent claim under any section of cover in the policy will be rejected.
FCDO advice and Government Travel Restrictions in respect of COVID-19 – how this impacts your cover
If you are travelling in Europe you will not be covered if travelling to a country, region or area where the FCDO have advised against 'all but essential travel' solely in relation to COVID-19 unless you have purchased our Enhanced COVID-19 protect cover.
If the FCDO changes their advice you will not be able to submit a cancellation claim, however your policy will remain valid while travelling in Europe if you purchase our Enhanced COVID-19 Protect Cover providing the change in travel advice is against 'all but essential travel' solely as a result of COVID-19.