Covid-19 | Travel Insurance Cover

When it comes to Covid-19, our Travel Insurance has you covered!

We realise that there is a bigger need now more than ever for comprehensive and reliable travel insurance. With this in mind, we have added several Covid-19 related benefits to our travel insurance policy to allow you to travel abroad again safely and with confidence.

Covid-19 Benefits:

Medical expenses if you are diagnosed with Covid-19 abroad.

Additional Travel or Accommodation Expenses abroad if you need to extend your stay due to a Covid-19 diagnosis.

Cancellation cover if you are medically diagnosed with Covid-19 or personally instructed to isolate by the NHS (National Health Service) or a medical professional.

Cancellation cover if your travelling companions are medically diagnosed with Covid-19 or personally instructed to isolate by the NHS or a medical professional.

Cancellation cover if your close relatives are medically diagnosed with Covid-19 or personally instructed to isolate by the NHS or a medical professional.

No Cover for cancellation due to government travel restrictions or lockdown.

Important Information for Covid-19 and your Travel Insurance

Please check the latest travel advice from the Foreign, Commonwealth and Development Office (FCDO).

You will not be covered to travel to a country or specific area or event to which FCDO has advised against all or all but essential travel. The FCDO currently advise against all but essential travel. If you're planning a non-essential trip, and this advice doesn't change by your departure date, you will not be covered if you go abroad.

If you are able to travel, either because the FCDO advice changes to allow it or because your trip is already legally permitted under the rules, you will be covered for:

Medical expenses if you need treatment for Covid-19 while abroad.
Cancelling or curtailment of your trip if you, close relative or travelling companion has been medically diagnosed with Covid-19 or is personally instructed to quarantinne by the NHS or a healthcare professional.

Please note that there is no cover for any other Covid-19 related claims, including lockdowns, quarantines, or other government restrictions. All other terms and conditions of the policy apply.

Booking a Travel Insurance Policy

To ensure you stay protected for future trips abroad, book a policy today.

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. 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. Find out how to make a claim

Travel Insurance Reviews from Multitrip.com Customers

So helpful on the phone and easy to get travel insurance at a great price would highly recommend. John - 5 Star Review - 31^st January 2023

What Does Travel Insurance Cover?

Discover six of Multitrip.com travel insurance benefits* below or explore more details here.

Cancellation or Curtailment

Cover the expenses of unused and non-refundable travel and accommodation costs in case you need to cancel or cut short your travel.
Medical Expenses

Cover financial expenses should injury, illness or death occur during your trip outside the UK.
Emergency Assistance

Have 24/7 assistance should you require medical emergency abroad, repatriation or curtailment while on holiday.
Baggage & Personal Belongings

Get cover against accidental loss of, theft of or damage to baggage/personal belongings.
Personal Liability

Cover the expenses you become legally liable to pay if you cause another’s bodily injury or property damage.
Delayed Departure

Get reimbursed for the costs of travel delays if your scheduled public transportation is delayed for over 12 hours.

Cancellation or Curtailment

Cover the expenses of unused and non-refundable travel and accommodation costs in case you need to cancel or cut short your travel.

Medical Expenses

Cover financial expenses should injury, illness or death occur during your trip outside the UK.

Emergency Assistance

Have 24/7 assistance should you require medical emergency abroad, repatriation or curtailment while on holiday.

Baggage & Personal Belongings

Get cover against accidental loss of, theft of or damage to baggage/personal belongings.

Personal Liability

Cover the expenses you become legally liable to pay if you cause another’s bodily injury or property damage.

Delayed Departure

Get reimbursed for the costs of travel delays if your scheduled public transportation is delayed for over 12 hours.

Travel Insurance including Covid-19 Cover
An Award Winning Travel Insurance Provider

When it comes to Covid-19, our Travel Insurance has you covered!

Important Information for Covid-19 and your Travel Insurance

Booking a Travel Insurance Policy

Travel Insurance Frequently Asked Questions

Travel Insurance Reviews from Multitrip.com Customers