I have a Travel or Travel Plus Pack but I don’t have any plans to travel – can I cancel my Pack?

We understand that your travel plans might change because of the coronavirus situation. If you no longer need your Travel Pack or Travel Plus Pack, you can remove it in a branch, the Barclays app or by calling 0345 734 5345. Lines are open Monday to Friday from 9am to 5pm, and Saturday from 9am to 1pm. Call charges.

Before you remove your Pack, please consider 

  • Our Travel Plus Pack is currently not on sale, so if you remove your Pack, you won’t be able to add it again 
  • If you bought your Pack and booked a trip abroad before the Foreign, Commonwealth and Development Office (FCDO) advised against all but essential travel (and 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 book a holiday when there are travel restrictions in place, you won’t be covered for cancellation costs if you're not able to travel because of these, or if you decide not to travel because of the coronavirus situation. All other cancellation reasons that are normally covered by the policy will be valid
  • Your fully comprehensive RAC breakdown cover will still be available 24 hours a day in the UK. It might not be possible to provide this service in some European countries due to the restrictions in place
  • If you have a Travel Plus Pack and want to change it to a Travel Pack, call us on 0345 734 5345. Please be aware that your Pack features and benefits might change – it’s important that you read the terms and conditions carefully

How does coronavirus affect my travel insurance?

Know what restrictions apply to where you live and check the FCDO website to see if there are restrictions in place for the area you’re travelling to – these could affect your cover. The FCDO advises against non-essential international travel to certain destinations.

All countries may restrict travel without notice. 

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 FCDO website for up-to-date advice on getting home.

Travel insurance covers your 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 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 means you’d have no policy excess to pay.

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

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

When you make a claim, we may ask you for

  • Proof of booking and any costs paid
  • Details of any refund you’ve been given
  • Evidence that you are not able to recover your costs elsewhere

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

I already have a trip booked – am I covered?

What happens if I become ill with COVID-19 before I travel?

You’re covered if you need to cancel, providing you haven't already told us about a previous COVID infection, and we’ve excluded the condition and confirmed it in writing.  

If a close relative, travelling companion or someone I’ve planned to stay with falls ill or dies from COVID-19, am I covered?

You’re covered if you need to cancel, if when you purchased this Pack or booked the trip (whichever is later), you didn't know that an illness or injury of a close relative, travelling companion or person you’d planned to stay with could reasonably be expected to affect your travel plans.

Am I covered if I cancel when the area where I live or am departing from is locked down?

Yes, if there were no UK travel or local lockdown restrictions in place when you took out your cover or booked your trip – whichever is later.

What if I no longer want to travel because I’m worried I might catch COVID-19?

Depending on your circumstances, we’ll consider your claim if you booked your trip before 17 March 2020.

What happens if my GP advises me not to travel due to COVID-19?

You’re covered if you cancel, providing that any pre-existing medical conditions have already been screened and accepted by us through the usual medical screening process. You can call our medical screening team on 0800 404 6852.

Am I covered if I cancel my trip due to FCDO advice against travel to the country I’m visiting?                              

You’re covered if this advice wasn’t in place when you purchased the Pack or when you booked your trip – whichever is later. You can only claim in the 31 days before you’re due to travel.

What if I travel to a country where the FCDO advises against travel?

You have most of your cover in place, such as medical expenses, but you won’t be covered for abandonment or cancellation if you decide to come home early if restrictions were in place at the start of your trip.

What happens if I have to cancel my trip within the UK due to travel or local lockdown restrictions?

You’re covered if you pre-booked at least two consecutive nights and there were no UK travel or local lockdown restrictions in place when you took out your cover or booked your trip – whichever is later. 

Am I covered if I cancel my trip due to new rules which mean I need to quarantine on arrival abroad?

You’re covered for cancellation if a quarantine is imposed at your destination, providing that there were no restrictions in place when you purchased your pack or booked your trip – whichever is later.

What if I cancel my trip because of a mandatory quarantine on returning to the UK?

We may consider your claim if you booked your trip before 22 May, 2020, so please contact us.

Am I covered if I cancel my trip due to contracting COVID-19 or because I’m told to self-isolate by the NHS Test and Trace service?

Yes, depending on whether you’ve received any advice, medication or treatment for COVID-19 before.

I’ve previously been diagnosed with COVID-19. Do I need to tell you and will this affect my cover?

Cover will depend on the severity of your symptoms and if you’ve received any advice, medication or treatment. Check the Medical Conditions section of your policy booklet or give us a call if you’re not sure.

What should I do if the airline or travel provider cancels my flight?

You should first contact your airline or travel provider to find out what your options are. If your flight is covered by the EU Passenger Rights Regulations (flights departing from a UK or EU airport and operated by any airline, or arriving at a UK or EU airport and operated by a UK or EU airline), your airline, travel or payment provider must refund your ticket price or arrange an alternative flight. For more information, the Civil Aviation Authority has guidance on passenger rights. 

Am I covered on holiday?

Am I covered if I'm not allowed to board my transportation because I’ve shown signs of having COVID-19 and I miss my flight?

Yes. If you’re returning to the UK, you’re covered for additional accommodation and travel costs – check your policy booklet as we may not provide cover for conditions you haven’t told us about or that we’ve excluded.

Am I covered if I fall ill with COVID-19 and I'm hospitalised during my trip abroad, or if I need a medical escort to help me home?

Yes, providing COVID-19 is not a condition that’s already been screened and excluded.

Am I covered to come home early from my trip if a close relative dies from COVID-19 in the UK?

Yes, providing that you weren’t told this was a possibility before travelling. 

Am I covered if I need to come home early due to FCDO advice against travel to the hotel or area I'm staying in?

Yes, providing the advice was not in place or announced before your departure.

Am I covered to come home early if the hotel or area I'm staying in is locked down by local government or public health officials?

Yes, providing the lockdown was not in place or announced when you purchased the Pack or booked your trip – whichever is later.

Am I covered if I'm held in compulsory quarantine in my holiday accommodation on the advice of local government or a public health official?

Yes, providing this advice was not in place or announced when you purchased the pack or booked your trip –whichever is later.

Am I covered if there’s a spike in local cases while I'm on holiday and I want to come home early?

No.

What if I arrive at my destination and everyone from the UK has to quarantine for 14 days on arrival?

You’re covered to come home early, if this restriction wasn’t in place or had been announced on your departure.

Am I covered if I’m quarantined at an airport and can’t continue my trip because of a medical assessment or temperature check?

Yes. We’ll pay costs for accommodation you haven't been able to use and can't recover from elsewhere. We'll also cover additional travel and accommodation costs to let everyone insured under the policy return home, providing a return trip was booked.

I’m currently stuck abroad. Can you help?

If you couldn’t get home before your travel insurance cover ended, please contact us. Check also with your airline, travel provider and the FCDO – its helpline is (+44) 207 008 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 call the RAC within the UK 24 hours a day.

If you break down in Europe, the RAC will do its best to help, but it might not be possible to in some countries due to restrictions in place. Find the latest updates from the RAC at rac.co.uk/COVID-19.

RAC patrol teams are taking all necessary precautions to keep you safe by wearing protective gloves, cleaning surfaces they touch with wipes and following government guidelines on social distancing.

The RAC Remote Technician service might be able to fix the issue and get you back on the road just by using your smartphone.

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

I can’t afford my Travel Pack, Travel Pack Plus or Premier Travel Pack fee – what can I do?

We know the coronavirus situation has affected many people’s jobs and livelihoods. Please contact us on 0333 202 7412. 

Lines are open Monday to Friday from 9am to 5pm, and Saturday from 9am to 1pm. Call charges.