Renewing travel insurance : what would you do?

twopenny

Any renewals need to be checked to see if the terms are the same as before. So many companies exclude pandemics and new terms specifically Covid.

This can work in your favour as some retain the pre Covid terms.

With a big price rise it would be worth checking if individual trip cover would currently be more ecconomical than annual. I've seen that happen recently.

silvercar

This week's MSE email contains a section that the FCA have rules that renewing annual insurance should include the same corona cover as it did before. 
"However the Financial Conduct Authority, has confirmed to us that if you had an annual policy before mid-March and renewed with the same insurer since, you SHOULD still be covered for coronavirus issues (as long as you were covered before you renewed). All the insurers we've spoken to - including all those listed in the table below - have confirmed this. So if you're rejected, go to the financial ombudsman and argue the firm isn't following 'standard industry practice'."
https://www.moneysavingexpert.com/news/2020/02/coronavirus-travel-help-and-your-rights/#insurertable