Following Freedom Day, on July 19, many Brits have rushed to book holidays and head abroad.
And England’s traffic light system for travel is being updated regularly with new countries being added to or removed from the red, amber and green lists.
However, in addition to paying for tests prior to travelling and upon return to the UK, travellers are also concerned about potential travel insurance costs that may be incurred.
So, we’ve rounded-up everything you need to know ahead of hopping on that plane.
Are amber list countries covered with travel insurance?
Travel insurance companies do not base policy on the traffic light system, but rather FCO guidance.
This means that there are no specific policies tailored to green, red, or amber list countries.
Therefore, it is crucial for you to check FCO guidance ahead of and during your holiday abroad to avoid being caught out.
If guidance states people should avoid all, or ‘all but essential travel’, jetting off to one of these places is likely to void your insurance.
Once you’re clear on that, read the fine print with every policy you explore to ensure they will be covering the country you plan to travel to.
What should you look out for in your travel insurance policy?
If the FCO has not advised against all but essential travel for your destination, the next thing you’ll want to look out for is whether or not your policy covers advice changes while you’re abroad.
Additionally, see what their stance is on refunding trip cancellations, for yourself and others on the same policy, due to testing positive for Covid within 14 days of your departure date.
However, most insurers are unlikely to cover cancellations if you change your mind about travelling without having tested positive.
And if you do test positive for Covid while away, ensure that your provider covers medical costs.
Another aspect to consider is checking whether they cover the cost of any excursion that you’ve booked that get cancelled.
Different providers will offer different levels of cover depending on your situation such as Staysure who cover you as long as you avoid travelling during national or regional lockdown. Be careful, as some policies only cover travel within Europe, too.
What about travel insurance policies bought before the pandemic?
The World Health Organisation has stated that all annual travel insurance policies bought before March 2020 have now run out.
If your policy is auto-renewed, you should review the terms and conditions as soon as possible as your provider may not have taken the traffic light system into consideration at the time.
For concerns related to this, you should contact your policy provider and check whether any aspects can be amended or upgraded to factor in the ever-changing amber list.
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