Travel Insurance

Carlomeg

Does anyone know of travel Insurance that provides cover if the country you are in is put on the red list during your stay?

Sandtree

Cover for what? Paying for the quarantine hotel in the UK on your return? Paying for emergency flights to get back before the change take effect and loss of the rest of your holiday?

eskbanker

In itself, a country being put onto the red list doesn't seem an insurable risk - are you thinking of needing to extend a stay, or having to return in a hurry, or quarantining on arrival?

Neither MSE nor Which seem to have any info about policies being available for these:

https://www.moneysavingexpert.com/insurance/cheap-travel-insurance/#st

https://www.which.co.uk/money/insurance/travel-insurance/best-and-worst-travel-insurance-akxsn9g15kgb

https://www.which.co.uk/news/2022/01/coronavirus-what-it-means-for-your-travel-insurance/

Carlomeg

Any of those scenarios could apply.  I have already looked on Which and MSE so thought it was worth a shot trying this forum.  Thanks for your response and advice that it may not be an insurable risk which is the conclusion I was also beginning to come to.

Sandtree

Carlomeg said:

Any of those scenarios could apply.  I have already looked on Which and MSE so thought it was worth a shot trying this forum.  Thanks for your response and advice that it may not be an insurable risk which is the conclusion I was also beginning to come to.

Its a risk that main stream insurers arent offering to cover rather than an uninsurable risk... given the wild and strange things you can insurer its certainly would be coverable but as soon as you are getting into bespoke underwriting then you are into four figure premiums and so not cost effective in most cases.

NoodleDoodleMan

Which country is in question ?

AAZ

If the country I’m travelling to changes to the red list and I want to cancel my trip, will I be covered?

No. Our travel insurance doesn't cover you if the country or region you’re booked to travel to moves to the red list. If you want to cancel, first get in touch with your travel provider to talk about your options. However, if once you've done this you’re unable to reschedule your trip, contact our claims department and we'll consider your claim.

We won't consider your claim if at the time you booked your trip or bought your cover (whichever is later):

• the country or region was on the red list
• the country or region had announced it would be moving to the red list
• entry restrictions were in place for the country or region  
• FCDO advice against travel to the country or region was in place

If there are border closures at my destination and I need to cancel my trip, will I be covered?

Your travel provider should be able to help with this so get in touch with them first to talk about your options. If you can't reschedule, you’ll be able to make a claim if the borders are closed at any time during the 31 days leading up to your trip.

You’ll only be able to do this if there weren’t any entry restrictions or FCDO advice against travel in place when you booked your trip or took out your cover (whichever is later).

Quarantine and self-isolation

If the country or region I am in is added to the red list unexpectedly, will you cover hotel quarantine costs when I return to the UK?

Yes. We'll cover your hotel quarantine costs when you get back to the UK, as long as the country you travelled to was not on the red list or announced it would be moving to the red list, and there wasn't any FCDO advice against travel, when you left the UK or when the trip was booked.

If I’m unexpectedly quarantined at an airport and can’t continue my trip because of a medical assessment, temperature check or test result, am I covered?

Yes. If you unexpectedly need to quarantine, we'll cover any extra travel and accommodation costs to make sure everyone who's insured under the policy gets home safely, as long as a return trip was booked. We'll also pay costs for any accommodation you haven't been able to use.

It's important to check the entry requirements for your destination before you book. You won't be covered if you don't meet these.

If I get coronavirus or I’m advised to self-isolate before I travel, am I covered?

Yes, you're covered for cancelling your trip.

If you've previously had COVID-19, cover will depend on the severity of your symptoms and if you have received any advice, medication, or treatment. You should check the medical conditions section of your policy wording to find out what you need to tell us. You must disclose medical conditions as stated in the policy terms and conditions.

If I’m advised to self-isolate while I’m outside the UK, am I covered?

Yes. As long as you didn’t travel against FCDO advice, you're covered.

We'll help out with emergency medical treatment and extra accommodation and travel costs if you need to stay longer than you expected (up to the limits outlined in your policy documents).

If I’m advised to self-isolate while I’m on a UK holiday, am I covered?

Yes. As long as you didn’t travel against government advice, you're covered. We'll help out with extra accommodation and travel costs if you have to stay longer than you expected (up to the limits outlined in your policy documents).

This is for Hsbc travel insurance

AAZ

So going by this you will be covered by this travel insurance while you in the country and it goes in red list