Coronavirus: travel insurance

Everything you need to know at this time

Coronavirus latest

The Foreign, Commonwealth & Development Office (FCDO) continues to advise against non-essential international travel to certain countries. 

However, some exemptions apply. Please check the list of exempted destinations regularly to see where you’re safe to travel, and if you need to quarantine on arrival or when returning to the UK. Even if you can travel, there may still be restrictions in place that could affect your cover.

We’ll continue to review the government’s advice and update our FAQs in line with this. If you’re currently abroad, please visit the FCDO website for advice on getting home.

Coronavirus (COVID-19) lockdown restrictions

You also need to be aware of any local restrictions or lockdown measures that apply to where you live or to your travel arrangements. Travel restrictions may vary according to your home nation. Please check if there are any restrictions where you live by visiting the Government’s coronavirus information page.

If there are any travel restrictions in place when you purchase your cover or book your trip, whichever is later, you won’t be covered if these pre-existing restrictions mean you must cancel or abandon your travel plans.

Refundable costs

Travel insurance covers you for non-refundable costs. Before making a claim, you should first contact your airline, or travel or accommodation provider to find out if they’ll refund your money.

If you booked a now-cancelled package holiday, your travel provider must give you a full refund under the Package Travel Regulations 2018. You can also contact your payment provider for a refund if you paid for any part of your trip with a credit or debit card or PayPal, which would mean you have no policy excess to pay. If you’re unable to recover your costs, please contact us and we’ll consider your claim.

We’ve tried to answer your specific questions around coronavirus below. Please read through all the FAQs so you’re clear what exclusions and restrictions apply, as more than one scenario may be relevant to you.

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.

What evidence do I need to make a travel insurance claim?

How long will it take for my claim to be processed?

Am I covered if I have to cancel my trip because the FCDO advise against travel to the country I’m due to visit?

Am I covered if I travel to a country where the FCDO advise not to travel?

Am I covered if I have to come home early because the FCDO advise against travel to the area where I’m staying?

Am I covered if I have to cancel my trip abroad due to UK Government or local lockdown restrictions preventing me from travelling?

Am I covered if I have to cancel my UK-based trip due to the UK Government or local lockdown restrictions?

Am I covered if I want to cancel my trip due to new rules that mean I have to quarantine on arrival abroad?

Am I covered if I want to cancel my trip because of a mandatory quarantine when returning to the UK from my destination?

Am I covered if I’m quarantined at an airport and can’t continue my trip because of a medical assessment or temperature check?

Am I covered if I need to cancel my trip due to contracting coronavirus or I’m advised to isolate, for example by the NHS Test and Trace service?

I’ve previously been diagnosed with coronavirus. Do I need to tell you and how will this affect my cover?

What should I do if the airline or travel provider cancels my flight?

Am I covered if my flight is still scheduled to leave but I want to cancel my trip because FCDO advice against travelling abroad is in place?

What cover do I have if UK Government lockdown restrictions have been lifted but I don’t want to risk travelling?

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

I’m currently stuck abroad. Can you help?


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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.

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