Coronavirus (COVID-19)

All of our travel insurance policies provide enhanced cover for claims arising as a consequence of COVID-19.

Before you travel, we’ve included cover for cancellation due to you falling ill with COVID-19 and being unable to travel or being required to self-isolate, subject to medical certification or an official test result.

During your trip, all our policies include cover for any medical claim due to COVID-19 while travelling if there was no Foreign, Commonwealth and Development (FCDO) warning against all or all but essential travel due to COVID-19 when you departed.

We’ve also included cover for curtailment (if you need to come home early) due to the illness of a close relative back home due to COVID-19.

If you choose to travel against FCDO advice (that is to a country, specific area, or event when the FCDO, or other regulatory authority in a country to/from which you are travelling, has advised against all or all but essential travel) our policies will continue to provide cover for any insured losses unrelated to the specific reasons for the travel advice/restrictions.

For example, should you travel against FCDO or other regulatory authority advice that is in place due to COVID-19, your policy will not provide cover if you suffer with COVID-19 when abroad, but would provide cover for claims that are not directly or indirectly linked to COVID-19 for instance if you broke your leg.

Our policies will continue to provide cover for non-COVID-19 related incidents, for Emergency Medical Costs, Baggage, Passports, Money, and Personal Accident claims, as usual during your trip.

For full details of the cover available for COVID-19 related risks, please view the Southdowns Enhanced Cover for COVID-19 PDF below. You can also download or print this information for reference in the event of a claim.