Does travel insurance cover Covid?

7 min Read Published: 19 Feb 2024

does travel insurance cover coronavirus

With restrictions and isolation guidance issued by governments for holidays abroad in previous years, travel insurance has become even more important when booking your holiday. In this article, we take a look at the different types of travel insurance and what travel insurance covers. We also look at whether travel insurance policies cover coronavirus and detail some of the travel insurance providers that offer cover for Covid-19.

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What is travel insurance?

Travel insurance is an insurance policy designed to protect you should you experience any problems whilst you are on holiday, either in the UK or abroad. Travel insurance can cover the cost of medical bills, lost luggage and legal bills should things go awry whilst you are away. Therefore taking out a travel insurance policy before you travel is essential. Some travel insurance policies may also pay out if your trip is cancelled due to illness before you travel. Travel insurance is often best bought as soon as you book your holiday if you want the best cover as it will ensure you are covered for cancellation and any instances that may occur in the lead up to your trip away.

What are the different types of travel insurance?

There are three main types of travel insurance policy you can choose from; single trip, annual trip and long stay travel insurance. You will need to select which part of the world you will be visiting and this can be defined by choosing either European, Worldwide or Worldwide including the USA, Canada and the Caribbean. Check your policy documents carefully so you know that your destination is definitely covered and under which policy type. Below, we explain more about the three main types of travel insurance you can buy but for more information, read our article 'What are the different types of travel insurance?'

Single trip travel insurance

Single trip travel insurance insures you for one trip for a set period of time and can be a cheaper option than an annual policy if you are only planning on taking one or two breaks in a year. If you are likely to be away multiple times in a 12 month period, you may wish to consider annual trip cover. Some insurers will only cover your trip for a set amount of time, generally a maximum of 31 days however some insurers may cover you for up to 3 months or longer.

Annual travel insurance

Annual trip travel insurance is designed to cover you for multiple trips over a 12 month period and may be more cost-effective than purchasing multiple single trip travel insurance policies. There can be restrictions on the length of each trip within the year, which is usually a maximum of 31 days per trip.

Long stay travel insurance

Long stay travel insurance insures you for a longer trip, typically longer than a month at a time. Long stay travel insurance may be suitable for backpackers who are planning to be away for long periods of time or those who are likely to spend long periods of time on holiday throughout the winter.

What does travel insurance cover?

How much cover you have is dependent on the travel insurance policy you choose, so ensure you check your policy documents carefully to know exactly what you are covered for.

What is included in a standard travel insurance policy?

Most travel insurance policies typically offer the following cover:

tick Emergency medical cover

tick Repatriation to the UK due to death, illness or accident

tick Lost or damaged belongings

tick Lost or damaged luggage

tick Delays

tick Personal liability

tick Holiday cancellation

What is not included in a standard travel insurance policy?

A standard travel insurance policy will not cover you for the following:

cross Injuries that occur due to working

cross Expensive personal belongings (this may require additional cover)

cross Adventurous and potentially dangerous activities, e.g winter sports

cross Some pre-existing conditions may require specialist cover and so may not be covered if you did not declare them when you took out a policy

cross Claims related to drug and excessive alcohol use

cross Claims related to illegal activities

Is coronavirus covered by travel insurance?

In short, most travel insurance providers will offer a basic level of coronavirus cover on new policies which should include medical cover if you are diagnosed with Covid-19 whilst abroad and repatriation costs should you need to return to the UK. All insurers registered with the Association of British Insurers (ABI) will provide a basic level of Covid-19 cover which will include cover for emergency medical treatment overseas as a result of Covid-19. It is unlikely however that policies will cover claims for cancellation due to Foreign Development and Commonwealth Office (FCDO) advice against travel. You may, however, be eligible for cancellation cover if you or a travel companion contracts Covid-19 before you go. You can check the providers that are registered with the ABI on the ABI website.

If you travel against advice from the Foreign, Commonwealth & Development Office (FCDO) you will invalidate your travel insurance policy.

Does travel insurance cover me if I get Covid before travelling?

Whilst not all travel insurance companies will offer cancellation cover due to Covid-19, it is still possible to get cover. Insurers such as LV= and The Post Office claim to cover your holiday cancellation costs should you, a family member or travel companion test positive for coronavirus in the lead up to your departure date and are therefore unable to travel. However, it is imperative that you read your policy documents carefully as some insurers have clauses about when exactly they will pay out for cancellation costs. For example, LV= states that it may only pay out for cancellation and curtailment claims if you have tried to rebook your trip or obtain a refund from your travel provider first.

Does travel insurance cover me if I get Covid when abroad?

Most travel insurance policies offer a basic level of cover for medical and repatriation expenses if you require medical treatment for illness caused by Covid-19 whilst you are abroad. The amount you are covered for is dependent on the policy you choose so you will need to check the policy documents carefully. Some insurers, such as LV=, offer cover for activities and excursions that you may miss out on due to having to isolate due to coronavirus whilst you are away.

Does travel insurance cover me if I cancel my holiday due to Covid-19?

If you decide to cancel your holiday as you no longer want to travel due to risks associated with Covid-19 but no guidance against travel has been issued by the FCDO, then you will not be covered by your insurance company. This is because there were known risks when booking to travel abroad during the pandemic. In this instance, it would be advisable to speak to the tour operator or airline to try to move the date of your travel.

Travel insurance providers that cover covid

Below we share three providers that offer cover for Covid-19 related claims. This list is not extensive and there is a vast range of other insurers that also offer cover for coronavirus-related claims. More information on travel insurance providers that cover covid-19 can be found in our article, 'The best travel insurance with covid cover'.  You can also use comparison sites such as Quotezone* or MoneySuperMarket* to compare travel insurance providers that cover Covid-19. MoneySuperMarket claims that every provider on its panel "offer a level of covid cover". However, it is worth remembering that comparison sites are not usually whole of market and you may therefore find a better deal elsewhere.


  • 5 star Defaqto rated insurance policies
  • Cover for medical treatment for Covid-19 if you fall ill whilst away
  • Cancellation cover if you test positive for Covid before you are due to travel
  • More information on AA travel insurance can be found in our AA travel insurance review


  • 5 star Defaqto rated Premier insurance policy
  • Cover if you or your travelling companion is diagnosed with Covid-19 and can no longer travel due to illness or because you are isolating
  • Cover for excursion cancellations due to Covid diagnosis whilst abroad or an order to quarantine
  • Repatriation cover if the FCDO advice changes and you need to return to the UK
  • Medical and repatriation cover if you are diagnosed with Covid-19 whilst abroad
  • More information on LV= travel insurance can be found in our LV= Travel insurance review 

LV= does have clauses within its policy documents that state "Cancellation and curtailment claims are only valid if evidence can be provided that all other appropriate avenues (eg re-booking or refund from the trip or payment provider) have been exhausted."

Post Office

  • 5 star Defaqto rated Premier insurance policy
  • Emergency medical and repatriation costs if test postive for Covid-19 whilst abroad
  • Cancellation cover if you test positive for Covid-19 within 14 days of departure or if your trip needs to be cut short
  • More information on Post Office travel insurance can be found in our Post Office travel insurance review

Things to consider before buying travel insurance

Are your destinations covered?

Your holiday destination determines which type of policy you can buy as there are different policies that cover different destinations around the world. For example, some insurers offer worldwide cover that covers the USA and others have separate worldwide cover that excludes the USA. You need to ensure that the country you are travelling to is covered within your policy documents. In addition, if you are looking to travel once the restrictions are lifted you will need to ensure you stay up to date with the latest FCDO guidance on travel as this will determine if your travel insurance policy covers you whilst you are away.

Have you declared any medical conditions?

It is imperative that you declare any medical conditions before you travel as this could invalidate your insurance policy should you fall ill and need to make a claim.

Have you got the right cover?

Most travel insurance policies provide an option to cover extras such as cruises and winter sports. Covering these additional activities will ensure you are covered for injuries related to those specific activities, otherwise, you could invalidate your insurance or not be able to claim. Some insurers, such as Staysure*, also offer an additional cover add-on that allows you to travel with a valid travel insurance policy even if the FCDO has advised against all but essential travel, so check the policy documents carefully to ensure you have the right cover.

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