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Home Travel Insurance Update

Travel Insurance Update 

Cancellation & Medical cover for COVID-19

At Co-op Travel, we now can offer our customers and members Cancellation & Medical cover for Covid – 19 through our insurance partners Rock Insurance. Our insurance policy includes provisions for cancellation or curtailment of holidays, emergency medical expenses and repatriation due to Covid-19 or other epidemics and pandemics. Cover starts from just £6 per person for a 2 day trip. See example quote below:

8 days European Cover Starts at £23.23 per adult single Trip, £52.27 per family single trip 

Annual European Cover starts at £52.27 per adult. 

Adult rates apply to customers aged 18-64 inclusive. 

Our Cancellation and Medical cover is available exclusively through our retail branches and virtual call centre. You can take this cover at the time of booking or simply purchase at request.

What is Covered?

Before Your Trip

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Am I covered if I (or my travelling companion or people we are due to stay with) test positive for Coronavirus (COVID-19) within 14 days of my holiday?

Yes. Cover is provided if you have received a positive diagnosis of Coronavirus within 14 days of the start of the trip. You must have received a positive COVID-19 NHS test. However, you must not have had any symptoms or positive diagnosis before you bought your policy or booked your holiday.

Am I covered if I (or my travelling companion or people we are due to stay with) have been hospitalised because of Coronavirus (COVID-19)?

Yes. Cover is provided if you are admitted to hospital due to Coronavirus within 28 days of the start of the trip. You must have received a positive COVID-19 NHS test. However, you must not have had any symptoms or positive diagnosis before you bought your policy or booked your holiday.

Am I covered if either I or my travelling companion are denied boarding by the transport operator (eg. airline) as a result of a positive test or temperature reading?

Yes. Cover is provided if you or your travel companion are denied boarding following either a COVID-19 diagnosis with an NHS or other government official test or receiving a temperature test reading or other medical test which falls outside of the transport provider’s terms of travel.

On Your Trip

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Am I covered for medical costs if I fall ill with Coronavirus (COVID-19) whilst I am abroad?

Yes. This would be covered under medical expenses section of the policy. If medically necessary we will also arrange for you to be brought back home.

Am I covered if I have checked in at my holiday accommodation, but they then need to close as a result of coronavirus?

Yes, provided that you have already checked in. If the accommodation closes after you have left home but before you check in and you are no longer able to enjoy the holiday you booked this is not covered because it will be the responsibility of your tour operator or travel company to assist you. You will need to approach them in this scenario.

Am I covered for any additional costs following the diagnosis of Coronavirus COVID-19 whilst abroad?

Yes. These would be covered under medical expenses section of the policy, within the terms and conditions. It will offer cover for room only and travelling expenses for you and a close relative or friend who might be required to help you.

Am I covered if I fall ill with COVID-19 whilst abroad and as a result need to extend my stay?

Yes. Your policy would also automatically extend to cover this.

What is not Covered?

Before your trip

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Am I covered if either myself or my travelling companion have to self-isolate because we have come into contact with someone who has Coronavirus (COVID-19)?

No. You are only covered if a positive diagnosis has been made and you have received a positive COVID-19 NHS test and provide us with a medical certificate from the hospital to show your hospitalisation. If there has been no diagnosis and you are just asked to self-isolate, then you would not be covered under this policy. 

Am I covered if I am shielding currently or my doctor has advised against travel because of Coronavirus (COVID-19)?

No. We would not expect people who are required to shield to be actively booking trips due to the current pandemic and the advice for them not to travel, as this would be a known risk. However, should the current pandemic disappear, shielding cease and you book a future trip and subsequently receive a positive NHS test or hospitalisation due to a future pandemic outbreak, cover would be provided.

Am I covered if my trip is going ahead as planned but I no longer wish to travel?

No. This is called disinclination to travel. This is because however valid you feel your reason is for not wanting to take the trip, it is still your choice as to whether to go. An insurer will not pay any claim for that reason.

Am I covered if the Foreign & Commonwealth Office (FCO) or World Health Organisation (WHO) or local regulator advise against all but essential travel?

No. There would be no cover under any terms of the policy.

On Your Trip

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Am I covered if I am refused entry into a country due to Coronavirus (COVID-19)?

No. You would only be covered under the medical expenses section of cover if you are diagnosed with COVID-19 and this is the reason entry is prevented. For any other reason your tour operator or travel company should help you and you should contact them for assistance.

Chat now or talk to one of our travel experts

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