Coronavirus: travel insurance

Everything you need to know at this time

UKD COVID-19 FAQ's, effective from 4 Oct 2021

Foreign, Commonwealth and Development Office (FCDO) advice

You’ll need to check the FCDO (Foreign, Commonwealth and Development Office) website for advice on your destination before you book a trip or purchase your travel insurance (whichever is later). Under your policy terms and conditions, you won’t be covered for any claim if you travel against FCDO or other government advice.

FCDO travel advice gives you COVID-19 guidance and tells you about the risks of travelling abroad. Their advice is constantly being reviewed, and they’re still advising against non-essential travel to some countries and territories. Different countries have different entry requirements – for example, you might need a negative COVID-19 test or proof of vaccination to enter. You might need to quarantine when you get there or when you get home. Also, some countries still aren’t accepting visitors.

You can also stay up-to-date with the latest foreign travel advice on the GOV.UK website.

Entry requirements when you return to the UK

You’ll need to check the entry requirements for when you return to the UK. This is essential as they may vary depending on where you are returning from. England, Wales, Scotland and Northern Ireland have slightly different rules, so you’ll need to know about the rules that apply to you. Useful link: Entering the UK – GOV.UK (

How to get in touch

As we continue to adapt to the situation, you can help us prioritise our customers with the most urgent needs.

If you want to make changes to your policy, for example, see if you can do this online by logging in to MyAviva.

Otherwise, please choose the most suitable option for you.

Your questions answered

We’ve had plenty of questions from our travel insurance customers, and we’ve given answers to many of them here. If you have a question that isn’t covered here, please contact us.

FCDO and Government Travel rules

Am I covered to travel to a country if FCDO advice against travel is in place?

Will I be covered to travel to a country on the red list?

If the country I'm travelling to changes to the red list and I want to cancel my trip, will I be covered?

If there are border closures at my destination and I need to cancel my trip, will I be covered?

Quarantine and Self-Isolation

If the country I'm in is added to the red list unexpectedly, will you cover hotel quarantine costs when I return to the UK?

If I'm unexpectedly quarantined at an airport and can't continue my trip because of a medical assessment, temperature check or test result, am I covered?

If I get COVID-19 or I’m advised to self-isolate before I travel, am I covered?

If I’m advised to self-isolate while I’m abroad, am I covered?

If I’m advised to self-isolate while I’m on a UK holiday, am I covered?

COVID-19 and Vaccinations

If I get COVID-19 while I'm abroad, am I covered for medical treatment?

I’ve previously had COVID-19. Do I need to tell you and how will this affect my cover?

If I can't travel because I haven't had my COVID-19 vaccinations, am I covered?

Proof of travel insurance

My tour operator has asked me to show them proof of insurance. Where can I get this?

Policy Refunds

If I cancel my travel policy, can I get a refund?


Manage your policy with MyAviva

You can find policy information and make changes through your secure online account.

  • View your policies
  • See your documents
  • Update your details
  • Start a claim

Download the MyAviva app

The MyAviva app is just a tap away. Visit the iTunes App Store or Google Play Store to get started.

Coronavirus and our other policies

If you have another type of policy with us, or you’re interested in taking one out, find out what you need to know in the current situation.

Car and motor insurance

Home insurance

Life, critical illness and income protection

Health insurance

Savings and investments

Pensions and retirement