Coronavirus Travel Insurance FAQs

If you decide to travel:

There would be no cover to cancel or come home early due to coronavirus where FCO advice or restrictions, such as quarantine, local outbreak restrictions and self-isolation, are in place.

However, you’ll have the benefit of the rest of your travel policy so long as you comply with the advice of the local authorities. This includes cover for medical expenses, for new or disclosed and accepted conditions (including coronavirus), or if you’re quarantined abroad, following a temperature check, for example.

If you have to cancel or come home early:

If you book a new trip to a destination where FCO advice, government or local authority advice, and all restrictions have been fully removed at the time of taking out the cover or booking the trip, you would be covered for cancellation/coming home early if restrictions are reintroduced and still in place within 31 days of your departure date.

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

There would be no cover to cancel due to coronavirus where restrictions, such as quarantine, local outbreak restrictions and self-isolation periods were already announced when you booked the trip.

No, you would not be covered to cancel or come home earlier if FCO advice or restrictions, such as quarantine, local outbreak restrictions and self-isolation, were in place when you booked the trip.

If you decide to travel, you’ll have the benefit of the rest of your travel policy 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 (including coronavirus) or are quarantined abroad, after a temperature check, for example.

Please be aware that you are still required to disclose medical conditions as stated in the policy terms and conditions.

Although FCO advice applies to all British nationals, you also have to be aware of any local restrictions that may affect your travel. This would include the area you live in or the destination you’re travelling to.

If you book a new trip to a destination where FCO advice, government or local authority advice and all restrictions have been fully removed at the time of taking out your cover or booking the trip, whichever is later, you would be covered for cancellation/coming home early if restrictions are reintroduced.

Yes, you will be covered by your travel insurance policy if you need to cancel.

If you notify the claims team of this while abroad, you’ll be covered under the emergency medical section for quarantine and would be covered if you need to then abandon the trip and return home early. 

Cover will depend on the severity of your symptoms and the medical treatment required. You should check the medical conditions section of your policy booklet to find out what you need to tell us. You must disclose medical conditions as stated in the policy terms and conditions.

Yes, providing you have at least two consecutive nights pre-booked accommodation and there were no UK Government or local lockdown guidelines in place at the time of taking out your cover or booking the trip, whichever is later.

However, before contacting us you should first check if your airline, travel, accommodation or payment provider will provide a refund or allow you to amend your original arrangements.

You’ll be covered if you’re quarantined at an airport when travelling to or from your destination.

You can claim for unused, non-refundable costs for accommodation if you choose to come home early, as well as additional travel and accommodation costs for everyone insured under the policy. 

No, you’re not covered if all travel restrictions have been lifted and you haven’t been told to isolate by the NHS Test and Trace service.

However, if you booked your trip before 17 March and have concerns about travelling due to medical or government advice, please contact us on:

Aspects: +44 1603 6704 960

Premier: +44 800 051 7458

Aviva will then review your claim and let you know of the outcome.

Under the policy, you won’t be covered if you need to quarantine after the trip has ended. However, Aviva may be able to consider your claim if you booked your trip before the mandatory quarantine was imposed on the 22 May. Before making any travel decisions, please contact us on:

Aspects: +44 1603 6704 960

Premier: +44 800 051 7458

Yes, your travel insurance policy will cover you to cancel, providing both trips were booked prior to quarantine restrictions being announced.

If you couldn’t get home before your travel insurance cover ended, you must contact us. Please also check with your airline or travel provider and the FCO website for the country you’re visiting. For urgent assistance, contact the FCO’s consular helpline on 020 7008 1500.

Please notify our claims team of your intention to claim at the earliest opportunity. Due to the high volume of coronavirus related claims, it may take up to 28 days for them to assess your claim from when it’s received.

You can contact the claims team on:

Aspects: +44 1603 6704 960

Premier: +44 800 051 7458

When you notify the claims team of your claim, they’ll send you a claims pack with all the information you need to make the claim.

In order to make a claim you’ll need:

• confirmation of the original booking, including the booking terms, detailing which parts are non-refundable
• evidence that you’ve tried to claim a refund through the travel or accommodation provider
• evidence to show that you’ve approached your payment provider for a refund and they have declined your request
• where appropriate, details of any self-isolation advice as well as any other advice you’ve received against travel from your GP, the NHS track and trace service or from NHS 111

Normal policy excess, terms and conditions, exclusions and claims assessment will apply.

To make a claim you’ll need to call the claims team on:

Aspects: +44 1603 6704 960

Premier: +44 800 051 7458

We’ve decided to temporarily withdraw HSBC Travel Insurance to new customers, in order to focus our attention on existing customers whose travel plans have been disrupted. We’ll continue to keep a close eye on developments and hope we’ll be able to offer new policies again soon.