Green list? What about travel insurances?

Things I Never Travel Without

The Government has put 12 countries on its ‘green’ list within the travel traffic light system. So far, only one holiday hot spot, Portugal, is on there. Some of the others are either unheard of or unlikely destinations.

However, with reviews of the traffic light system happening every three weeks, this could change, and the list could become more populated with destinations that we love.

Levels of restrictions are still in place, depending on the Covid-19 risk each country might pose.

Travelers should know they can find travel insurance to cover the new risks triggered by the pandemic when traveling abroad.

Fiona Macrae, head of consumer awareness initiative, answers your questions on the COVID-19 travel insurance cover:

Will I still need travel insurance with Covid-19 cover if the destination I am traveling to is ‘green’?

Yes. There are many reasons why it is still essential to have travel insurance in place, regardless of what category the holiday destination falls into. Aside from cover for events related to Covid-19, travelers still need protection for all other things that could happen while abroad, such as trip cancellation, lost luggage, and medical expenses.

Will I be covered to cancel my trip if I am unable to provide the right documentation?

Travelers are now required to provide a passenger locator form, proof of a Covid-19 status, and/or proof of a vaccine to leave the UK and enter most countries.

If you fail to provide the required evidence, such as proof of a negative Covid-19 test taken up to 72 hours before departure, and as a result are refused entry to a destination, in most cases, you will not be covered to claim on your travel insurance policy for any lost costs.

It is your responsibility to make sure you have the correct documentation to leave and enter your intended destination when traveling.

How do I know if my travel insurance covers me to cancel my trip if I catch Covid-19 before my holiday?

Some travel insurance policies provide cover for cancellation if any of the traveling party catch Covid-19 before they’re due to depart and are legally required to isolate, causing them to miss their trip.

  • If this cover is available within a policy, it may be worded as follows: “cover if anyone named on the policy contracts Covid-19 within 14 days of their trip starting”.

However, the exact wording will vary depending on the travel insurance provider.

Author: Amarachukwu Ogbonnaya

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