Coronavirus holidays: Expert on how pandemic will affect current & future travel insurance

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Coronavirus holidays: Expert on how pandemic will affect current & future travel insurance 1

Coronavirus has shattered the holiday plans of countless British travellers in 2020. Today, cases of the virus globally surpassed two million. The number stands at 2,134,465 at the time of writing, with 104,145 cases in the UK.

Insurers are carefully monitoring the fast-moving developments in the coronavirus outbreak, and some have stopped covering cancellations or disruption related to the Coronavirus for new customers.

Many people have been left out of pocket due to the travel bans as flights and holidays are cancelled.

But will the pandemic mean future travel insurance policies could look quite different?

Aman Johal, Director and Lawyer at Your Lawyers, shared his expertise with Express.co.uk.

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“Some providers have limited cancellation and travel disruption cover for policies purchased after the coronavirus was officially declared a pandemic,” Johal explained.

“Going forward, different providers could take different approaches – for example, medical cover may be valid but with increased restrictions, and we may see very limited cover for countries severely impacted by the outbreak, such as China, Italy or France.

“It may also be the case that future policies could completely exclude pandemics, or may have excesses involved for certain similar scenarios.”

The key is to keep track of what the UK Foreign and Commonwealth Office (FCO) advice is and when it is issued.

“If a consumer is concerned about whether they qualify for travel compensation, remember this general rule, which is subject to the individual terms and conditions,” said Johal.

“If they bought travel insurance before the FCO issued advice against all but essential travel, they should be covered if they cancel or rearrange their trip.

“If they purchased travel insurance after the FCO announcement, they need to check the small print on their policy as it may be that their provider has withdrawn cover for coronavirus related claims.”

Last week it was announced that Britons currently abroad with an existing travel insurance policy could see their medical coverage extended for a further 60 days free of charge.


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