last years insurance & covid

mbtaylor

Am i right in thinking my insurance that ran out in may won't cover me deciding not to go to my spanish hotel in september (booked last october) because of FCO advice?  I'm sure this has been covered many times but i can't find it.  

[Deleted User]

If you don't have insurance then no, it won't cover you for anything.

mbtaylor

OK then, my new insurance started in june/July won't cover me will it?

[Deleted User]

Not for a straightforward change of mind, no.

mbtaylor

Ok it just confuses me when the sequence is: oct 19 hotel booked, march 20 pandemic, may 20 insurance runs out, jun20 new insurance starts, aug 20 FCO advises against travel to spain.  Does it just come down to my decision to take FCO advice?

[Deleted User]

If your insurance covers you for FOS advice, then you'll be covered.

You need to read your policy.

Nebulous2

Did you renew an annual policy with the same company? If you did then you could be covered. That wouldn’t apply if you had a gap. 

mbtaylor

my original insurance company wasn't selling products when i needed to renew - still isn't as far as i know.  The new one won't cover me. i might end up going despite FCO advice with no insurance cover.

silvercar

mbtaylor said:

my original insurance company wasn't selling products when i needed to renew - still isn't as far as i know.  The new one won't cover me. i might end up going despite FCO advice with no insurance cover.

Check the new one. Will it not cover for cancellation, for covid, for anything else not covid related???
For Spain, EHIC will cover you for local treatment. You won't have cover for repatriation or if you need to extend your stay.

mbtaylor

In can only find an exclusion for cancellation, repatriation & extended stay due to covid.  does this mean that staysure would cover us for everything else? (i mean is that what you would expect).

mbtaylor

After a couple of hours i've discovered the clause that says they won't cover for anything if we travel against fco advice!