Travel insurance - both countries fine for the UK, but country B bans you if you've been to A

Daniel1111

I have been speaking to my travel insurance and giving some scenarios, and here is what I have heard which has surprised me a bit. I have travel disruption/cancellation cover, and a LOT of travel happening this year so am trying to get my insurance sorted.

1. If you are going to a country for which your country (in my case, the UK and its FCO) says you shouldn't go, I can cancel and get a full refund. I also don't need to wait: if my trip is in April and the alert goes up tomorrow, I can choose to wait or cancel. This is good news.
2. If you are traveling to three countries, A B C, and country B ends up on the list of countries to not go, it'll be sorted, but they couldn't advise how as it'd be on a case-by-case basis.

Here is where there is NO cover and that I dislike highly...

3. If you are traveling to three countries, A B C, and the FCO deems all 3 fine for travel, but country B says you cannot enter there if you have been to country A, it is NOT covered. Picture a scenario right now where country A is Thailand, and country B is Israel: Israel is banning anyone who has been to Thailand in the past 14 days, but both countries are fine to visit at the moment under UK guidelines, so cancelling either segment or having to make re-arrangements would all be out of pocket.


My question:
1. At the moment, the countries I am planning on going to (in scenario 3) are not on the UK list so if I get another travel insurance that covers scenario 3, any possible travel disruption would be covered. I am traveling to 8 countries back to back this summer so it is a huge consideration. Does anyone know of any travel insurance policies that might cover this scenario? I want to get new travel  insurance that hopefully covers this scenario so I am prepared for my summer trips in case it happened.

Thanks!

bradders1983

My head hurts reading all of that.

peachyprice

If you're not coming back to the UK in between each of your 8 countries you need backpacker insurance.   

Daniel1111

peachyprice said:

If you're not coming back to the UK in between each of your 8 countries you need backpacker insurance.   

This summer we are away for 42 or so days, and that is just under the limit our normal travel insurance covers us for, so from that angle it is fine. (We are not coming back to the UK, except for one night in London as a layover around day 30.) I will look into backpacker insurance though to see if their cancellation rules are any better though... thanks for the tip.