Travel Insurance including Covid-19 Cover

Booking a Travel Insurance Policy

To ensure you stay protected for future trips aboard, you can book a policy by clicking here.

Travel Insurance Frequently Asked Questions

• Before your trip

• If my travelling companion and/or I fall ill with Covid-19 at home and cannot travel, am I covered for cancellation?

  Multitrip.com travel insurance cover is in place under the Cancellation or Curtailment section if an insured customer is diagnosed with Covid-19, or being personally instructed to self-isolate by the NHS test and trace service, or being compulsorily quarantined on the order of your/their Medical Professional due to Covid-19.
  
  Please note that we will not cover Covid-19 related claims where you have travelled to an area that the Foreign, Commonwealth & Development Office (FCDO) has advised against all or all but essential travel. All customers and partners should refer to the Travel Advised section on the FCDO’s website prior to purchasing a policy and/or departure to ensure the policy provides the required cover for their trip
  
  For further information please review your Policy Document under Section A: Cancellation or Curtailment.

• If my family member is hospitalised with Covid-19 and as a result you cannot travel, am I covered for cancellation?

  Multitrip.com travel insurance cover is in place for an insured customer if a defined Close Relative is admitted to hospital with a Covid-19 diagnosis at the time of the start of their trip if it is certified by a Medical Practitioner and follows a medically approved test showing a positive result for Covid-19.
  
  Please note that we will not cover Covid-19 related claims where you have travelled to an area that the Foreign, Commonwealth & Development Office (FCDO) has advised against all or all but essential travel. All customers and partners should refer to the Travel Advised section on the FCDO’s website prior to purchasing a policy and/or departure to ensure the policy provides the required cover for their trip
  
  For further information please review your Policy Document under Section A: Cancellation or Curtailment.

• If I buy a policy now and the Foreign, Commonwealth & Development Office (FCDO) changes their advice on my country of destination to ‘Advise against all travel’ or ‘Avoid all but essential travel’ before my trip, am I covered for cancellation of flights and accommodation?

  There is no cover for any claim related to a change in FCDO advice or government lockdown.

• Would travel insurance cover me if I have to cancel a holiday as I cannot restrict my movements when I return home from a foreign trip due to my job or other commitments?

  No, there is no cover in this event.

• How do I make a claim?

  All claims must be reported to the Claims Company within 31 days or as soon as possible following an insured event. Contact details for the Claims Company can be found in your policy Summary.Please click here to find out how to make a claim

• During your trip

• If I fall ill with Covid-19 abroad and need medical treatment abroad, am I covered for medical expenses?

  Multitrip.com travel insurance cover is in place for any insured customer who is diagnosed with Covid-19 abroad under the Emergency Medical & Other Expenses cover section, provided the insured customer is not in breach of the general exclusion about travelling against the advice of the Foreign, Commonwealth & Development Office (FCDO).
  
  Please note that we will not cover Covid-19 related claims where you have travelled to an area that the Foreign, Commonwealth & Development Office (FCDO) has advised against all or all but essential travel. All customers and partners should refer to the Travel Advised section on the FCDO’s website prior to purchasing a policy and/or departure to ensure the policy provides the required cover for their trip
  
  For further information please review your Policy Document under Section B: Emergency Medical & Other Expenses.

• If I fall ill with Covid-19 abroad and need to be repatriated to the UK, am I covered?

  Multitrip.com travel insurance cover is in place for any insured customer who needs to be repatriated to the UK if they are diagnosed with Covid-19 abroad. This cover is applicable under the Emergency Medical & Other Expenses cover section, provided the insured customer is not in breach of the general exclusion about travelling against the advice of the Foreign, Commonwealth & Development Office (FCDO).
  
  Please note that we will not cover Covid-19 related claims where you have travelled to an area that the Foreign, Commonwealth & Development Office (FCDO) has advised against all or all but essential travel. All customers and partners should refer to the Travel Advised section on the FCDO’s website prior to purchasing a policy and/or departure to ensure the policy provides the required cover for their trip
  
  For further information please review your policy document under Section B: Emergency Medical & Other Expenses.

• If I contract Covid-19 whilst on a trip (with no symptoms and incur no medical expenses) and I am denied boarding due to the positive diagnosis, am I covered for reasonable additional transport or accommodation expenses?

  Multitrip.com travel insurance policies provide cover for emergency medical and other expenses incurred abroad if you catch Covid-19 subject to the policy terms, limits, conditions and exclusions. In the event of a positive diagnosis of Covid-19 abroad, the policy will cover reasonable additional transport (economy class) or accommodation expenses incurred up to the standard of your original booking if you must extend your stay up to the amount of £2,000.
  
  Please note that we will not cover Covid-19 related claims where you have travelled to an area that the Foreign, Commonwealth & Development Office (FCDO) has advised against all or all but essential travel. All customers and partners should refer to the Travel Advised section on the FCDO’s website prior to purchasing a policy and/or departure to ensure the policy provides the required cover for their trip
  
  For further information please review your Policy Document under Section B: Emergency Medical & Other Expenses.

• If I fall ill with Covid-19 abroad and need to extend my stay as a result of it, incurring additional costs, is it covered?

  Multitrip.com travel insurance policies provide cover for emergency medical and other expenses incurred abroad if you catch Covid-19 subject to the policy terms, limits, conditions and exclusions. In the event of a positive diagnosis of Covid-19 abroad, the policy will cover reasonable additional transport (economy class) or accommodation expenses incurred up to the standard of your original booking if you must extend your stay up to the amount of £2,000.
  
  Please note that we will not cover Covid-19 related claims where you have travelled to an area that the Foreign, Commonwealth & Development Office (FCDO) has advised against all or all but essential travel. All customers and partners should refer to the Travel Advised section on the FCDO’s website prior to purchasing a policy and/or departure to ensure the policy provides the required cover for their trip
  
  For further information please review your Policy Document under Section B: Emergency Medical & Other Expenses.

• If I am diagnosed with Covid-19 whilst on my trip and must self-isolate in my accommodation, can I claim for any cancelled excursions?

  Multitrip.com travel insurance policies include cover for your irrecoverable unused pre-paid charges (including sports, concert and entertainment tickets), which you have paid or are contracted to pay, only if you receive a Covid-19 diagnosis, or being compulsorily quarantined on the orders of the treating Medical Practitioner and need to cancel your trip prior to departure.
  
  The cover is subject to the policy terms, limits, conditions and exclusions. For further information please review your Policy Document under Section A: Cancellation or Curtailment.

• If I need to curtail my trip as a close relative has passed away from Covid-19, am I covered for curtailment?

  Multitrip.com travel insurance policies include cover for Curtailment in the event your close relative or close business associate is admitted to hospital with a Covid-19 diagnosis at the time of the trip and/or death of your close relative of close business associate due to Covid-19 at the time of the trip.
  
  A special condition of this cover is that the insured customer must contact our Emergency Assistance Service whilst away to seek approval before returning home.
  
  Please see definition of close relative contained within the policy wording and for further information please review your Policy Document under Section A: Cancellation or Curtailment.

• If I buy a policy now and the Foreign, Commonwealth & Development Office (FCDO) changes their advice on my country of destination to ‘Advise against all travel’ or ‘Avoid all but essential travel’ while I am away on my trip, what am I covered for?

  Multitrip.com insurance policies will continue to cover you up to the limits on your policy until you return home, even if FCDO lists the country as red while you are abroad.

• How do I make a claim?

  All claims must be reported to our Company within 31 days or as soon as possible following an insured event. Contact details for the Claims Company can be found in your policy Summary. Please click here to find out how to make a claim

Travel Insurance Reviews from Multitrip.com Customers