How does coronavirus impact my travel insurance?

On 4 July, the Foreign and Commonwealth Office (FCO) updated their previous advice on avoiding non-essential international travel to include a list of countries and territories that are no longer high-risk destinations for British travellers. Please check this list of exempted destinations regularly, as there might still be restrictions in place that could affect your cover. The FCO still advises against non-essential international travel outside of these exempted destinations.

All countries may restrict travel without notice. 

You also need to consider any local quarantine restrictions that apply to both where you live and your holiday accommodation. When booking a trip, you should check the status of your chosen destination country and whether there are any restrictions still in place, such as quarantining, local outbreak restrictions and self-isolation periods. You won’t be covered if you cancel your holiday or end it early due to restrictions that were already in place for UK travellers at the time you booked it.

We’ll continue to update our FAQs in line with government advice.

If you’re currently abroad, please visit the FCO website for up-to-date advice on getting home.

Travel insurance covers you for non-refundable costs. Your first step should be to contact your airline, travel or accommodation provider to find out what your options are. If you booked a package holiday, the travel provider you booked with is liable to provide you with a full refund of payments made for the cancelled package holiday under the Package Travel Regulations 2018.

You can also contact your payment provider for a refund if you paid for any part of your trip with a credit or debit card or PayPal, which would mean you’d have no policy excess to pay.

Please use our online claims form for any non-urgent claims, or call Travel Pack and Travel Pack Plus on 0800 404 6856, or Premier Travel Pack on 0800 158 2692. Lines are open 24/7.

What evidence will I need to make a travel insurance claim?

You’ll need to provide us with

  • Confirmation of the original booking and booking terms, including which parts are non-refundable
  • Evidence you’ve tried to get your money back through the travel or accommodation provider
  • If you’ve asked them, evidence that shows your payment provider has declined your request for a refund
  • Where appropriate, details of any self-isolation advice you’ve been given by either your GP, the NHS test and trace service or from NHS 111

For all claims, our normal policy terms and conditions, exclusions and claims assessment apply.

How long will it take for my claim to be processed?

Let us know as soon as you’ve decided to make a claim. Due to coronavirus, we’re receiving more claims than usual, but we’ll assess your claim within 28 days from the date you get in touch. In the meantime, it’s important that you follow the guidance provided in the claims pack we sent you after you made your claim. If you’re cancelling your trip because of FCO advice, you can only claim in the 31 days before your departure.

I have a trip already booked

I have an existing Pack, and I book a new trip to a destination based on the FCO, government or local authority advice (such as quarantine or travel restrictions), which was previously lifted but later comes back into place. Am I still covered?

This depends on whether you decide to travel, you have to cancel your trip, or you come home early.

If you decide to travel

You’ll have the full benefit of your travel policy, providing you comply with local authority advice. This includes cover for medical expenses, new or disclosed and accepted conditions, if you fall ill (including with coronavirus) or are quarantined abroad – for example following a temperature check.

Cancelling your trip or coming home early

You’ll be covered if you have to cancel your trip or come home early, providing

  • The FCO, government or local authority advice was fully removed for your destination and there were no restrictions in place at the time you took out the cover or booked the trip (whichever was later)
  • Restrictions are reintroduced and still in place within 31 days of your departure date

Can I cancel my trip if I’m travelling to a destination where the FCO advice is lifted, but I still have to quarantine or self-isolate on arrival?

If the FCO advice has been lifted and there were no restrictions, such as quarantine, local outbreak restrictions and self-isolation periods in place at the time of taking out your cover or booking the trip (whichever was later), you’d be covered for cancelling your trip or coming home early if a quarantine was later imposed.

If there were restrictions due to coronavirus in place when you booked the trip (including quarantine, local outbreak restrictions and self-isolation periods), you won’t be covered for cancelling your trip.

I have an existing Pack, and I’m unable to go on my trip in the UK. Am I covered for cancelling my trip?

Yes, you’ll be covered for cancellation providing you’ve got at least two consecutive nights pre-booked accommodation and there were no UK government or local lockdown guidelines in place at the time you took out your cover or booked the trip (whichever was later).

I have an existing Pack – will I still be covered if I book a trip or travel to a country where FCO advice hasn’t been lifted?

You won’t be covered if you cancel your trip or come home early due to coronavirus if FCO advice or restrictions – including quarantine, local outbreak restrictions and self-isolation – were in place when you booked the trip.

If you decide to travel, you’ll still benefit from the other features of your cover, as long as you comply with the advice of the local authorities. This includes cover for medical expenses (for new or disclosed and accepted conditions), if you fall ill (including with coronavirus), or are quarantined abroad – for example following a temperature check. You must disclose medical conditions as stated in your policy terms and conditions.

Will cover differ for me if the devolved governments in Scotland, Wales and Northern Ireland take a different approach to travel restriction?

Although the FCO advice applies to all British nationals, you also have to think about any local restrictions that might affect your travel – for example the area that you live in, or the destination you’re travelling to.

If you book a new trip to a destination where the FCO, government or local authority advice has been fully removed, and there were no restrictions in place at the time you took out your cover or booked the trip (whichever was later), you’d be covered for cancelling your trip or coming home early if restrictions were reintroduced.

Providing all travel restrictions are lifted, will I be covered for cancellation if I contract coronavirus before I travel, or I’m told by the NHS test and trace service that I’ll need to self-isolate during my trip?

Yes, you’ll be covered by your travel insurance policy if you need to cancel. If you’re notified when you’re abroad and need to come home early, you’ll be covered by the emergency medical section for quarantine.

I’ve previously been diagnosed with coronavirus. Do I need to tell you, and how will this affect my cover?

Your cover will depend on the severity of your symptoms, and whether you’ve received any advice, medication or treatment. Please check the 'Medical declaration' section of your policy booklet to find out what you need to tell us. You need to disclose medical conditions as stated in your policy terms and conditions.

If I’m quarantined at an airport following a medical assessment or temperature check, will I be covered for a full refund of the cost of my/my family’s trip? What about the cost of returning flights?

If you’re quarantined at an airport, you’ll be covered. We’ll pay unused non-refundable costs for accommodation, as well as additional travel and accommodation costs for everyone insured under the policy to make sure you all get home.

If there’s a mandatory quarantine when I return to the UK, will my travel insurance cover me if I choose to cancel my trip?

If you decide to cancel your trip because you’ll have to quarantine when you get back, you won’t be covered.

If I have to quarantine when returning from a trip, but I’m due to depart on a second trip during the quarantine period, will my insurance cover me to cancel the second trip?

Yes, you’ll be covered if you have to cancel your second trip, providing both trips were booked before the quarantine restrictions were announced.

I’m currently overseas

I’m currently stuck abroad. Can you help?

If you’re stuck abroad, and you can’t get home before reaching the trip limit of your policy, please contact us. You should also check with your airline or travel provider, and the FCO website for the country that you’re in. If you’re in urgent need, contact the FCO's consular assistance helpline on 020 7008 1500.

Can I still call the RAC if I breakdown in the UK or abroad?

If you have a Travel Pack or Travel Plus Pack, you can still count on rescue from the RAC within the UK, 24 hours a day.

If you break down in Europe, they’ll do their very best to help – but it might not be possible to provide this service in some countries due to the restrictions that are in place. You can find the latest updates from the RAC on their dedicated coronavirus page.

To help keep you safe, the RAC patrol teams will be wearing protective gloves, cleaning any surface they touch and making sure they follow the government guidelines on social distancing.

Using their Remote Technician service, they might be able to fix the issue and get you back on the road remotely using smartphone technology.

With many garages closed, you might find it harder to get your vehicle recovered and repaired at the moment, but you’ll get priority as a member if you need help.

I no longer need my Travel Pack

I have a Travel Pack or Travel Plus Pack but I don’t have any plans to travel. Can I cancel my Pack, even if I’m within the minimum six-month holding period?

We understand that your travel plans might have changed because of coronavirus. If you no longer need your Travel Pack or Travel Plus Pack you can cancel it, even if you’re in the minimum six-month holding period. You can cancel the Pack yourself using the Barclays app, or call us on 0345 734 5345 and we’ll be happy to help.

Before you remove your Pack, please consider the following

  • Our Travel Pack and Travel Plus Pack are no longer on sale, so if you remove your Pack you won’t be able to add it again for the time being
  • If you had your Pack and booked a trip abroad before the FCO advised against all but essential travel, and if that advice is still in place within 31 days of your departure date, your cancellation costs will be covered. If your trip is in the UK, you’re covered if your holiday accommodation is booked for two or more consecutive nights
  • If you’re planning on booking a holiday for a future date, you won’t be covered for cancellation costs if you decide not to travel because of the FCO advice on coronavirus being in place. All other reasons for cancellation normally covered by the policy still apply
  • Your fully comprehensive RAC breakdown cover is still in place and available 24 hours a day in the UK. If you break down in Europe, they’ll do their very best to help – but it might not be possible to provide this service in some countries due to the restrictions that are in place.
  • If you have a Travel Plus Pack and are looking to change it to a Travel Pack, you can do this by calling 0345 734 5345

I can’t afford my Travel Pack, Travel Pack Plus or Premier Travel Pack fee

We know coronavirus has affected many people’s jobs and livelihoods. If you’re worried about your Travel Pack, Travel Pack Plus or Premier Travel Pack fee, we might be able to help. Please contact us on 0333 202 7412* Monday to Friday 9am – 5pm and Saturday 9am – 1pm.

* Calls to 03 numbers are charged at the same rate as dialling an 01 or 02 number. If your fixed line or mobile service has inclusive minutes to 01/02 numbers, then calls to 03 are counted as part of this inclusive call volume.