Coronavirus and your travel insurance
19 February 2020

Coronavirus and your travel insurance

Coronavirus outbreak and your Scout and Girlguiding travel insurance

updated 14 April 2020

We appreciate your cooperation and understanding at this uncertain time. We have been working extremely hard to agree cover for customers impacted by the sudden outbreak and mass spread of novel coronavirus across the globe. 

As a result, we have amended our information to reflect the cover that we have agreed with our travel insurer.

The current outbreak of novel coronavirus (2019-nCoV) was first reported from Wuhan, China, on 31st December 2019. This outbreak has since been reported widely in the media and by authorities such as the World Health Organisation (WHO) https://www.who.int/emergencies/diseases/novel-coronavirus-2019, and it continues to make headlines around the world. 

On 31st January 2020, the WHO deemed the coronavirus outbreak to be an international health emergency and has since been considered a known event in the insurance industry. Subsequently, on 11th March 2020, the WHO officially deemed the coronavirus outbreak a pandemic.

 

How the novel coronavirus outbreak affects your Scout and Girlguiding travel policies

We’ve provided the details below as a guide to cover eligibility in respect of our Scout and Girlguiding travel policies and the novel coronavirus outbreak. 

Cover under your travel policy will be dependent on a number of things including:

Your cover is subject to the standard policy terms and claims will be assessed on a case by case basis.

When you purchased your policy:

  • Policies purchased prior to 31st January 2020 will benefit from full cover for coronavirus under each section.
  • Policies purchased between 31st January 2020 – 11th March 2020 will benefit from full cover for coronavirus unless the FCO was advising against travel to the territory at the time the policy was taken out.
  • Policies purchased after 11th March will not benefit from Cancellation and Curtailment cover for coronavirus but will benefit from Medical Expenses cover.

FCO advice on where you are travelling:

  • There is no cover under any section of a policy if you travel to a region or country that the FCO advise against all travel.
  • There is no cover under any section of a policy if you decide to remain in a region or country for which the FCO advise against all travel while you are there, if you were able to leave but instead opted to remain.

Some general points:

Contact us before paying for your trips (updated 14 April 2020)

Before you make any further payments for future trips, please check with us.  We will then be able to provide you with guidance as to how your policy will respond.

Contact your airline, accommodation and tour providers before making a claim

If you are unable to travel due to current FCO travel restrictions, we advise you in the first instance to contact your airline, accommodation and tour providers immediately to assess your cancellation or rescheduling entitlements. Once you have done that, a claim for irrecoverable travel and accommodation expenses can be submitted.

You should check the FCO website for the latest advice. https://www.gov.uk/foreign-travel-advice

Cover by key sections:
 

  • Medical Expenses (Section 2) – provided you don’t travel to, or remain in, an area or country where the FCO advise against all travel, normal cover terms and conditions will apply should you contract the virus whilst there. There is no cover for any medical or any other quarantine costs incurred within the UK. This includes costs related to your being quarantined prior to your official entry.
  • Cancellation (Section 9 Disruption) – provides certain cover for irrecoverable travel and accommodation costs in the event your trip is necessarily and unavoidably cancelled prior to its commencement as a result of a regulation from the UK government following an epidemic that prevents you from travelling - i.e. the FCO advises against all travel - at the date your trip commences, provided your policy was purchased prior to 11th March 2020.

    Please note that reasonable costs of rescheduling your trip will be considered if you would otherwise have had to cancel, provided those costs are not greater than the irrecoverable cancellation fees or lost deposits.
     
  • Curtailment (Section 9 Disruption) - provides certain cover for a proportionate refund of your irrecoverable pre-paid costs in the event you necessarily curtail your trip to return to UK due to your serious illness, or a regulation from the UK government, provided your policy was purchased prior to 11th March 2020.

 

Further information

If you have any further questions please contact our account handlers on 0345 040 7703 (Scouts) or 0345 040 7704 (Girlguiding) who will be happy to help.

You can find more information on: 

Information on refunds on cancelled trips

Please read our blog post:

How to get refunds on your trips cancelled because of Covid-19 issues.