Coronavirus: travel insurance

Everything you need to know at this time

Coronavirus (COVID-19) latest

The rules for travel can change unexpectedly because of COVID-19 restrictions, both in the UK and abroad. Before booking any trip, it's important to make sure you fully understand the financial risks, and book with flexible options wherever possible.

Travel insurance protects you against unforeseen and unexpected events, but it doesn’t cover all circumstances. Please make sure you understand the terms and conditions of your booking and any travel insurance policy you intend to buy.

Foreign, Commonwealth and Development Office (FCDO) advice

You’ll need to check the FCDO website for advice on your destination before you book a trip or buy 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 may advise 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 can stay up to date with the latest foreign travel advice on the GOV.UK website.

Telling us if you’ve had COVID-19

If you or anyone covered by your policy has previously tested positive for COVID-19 in the 12 months before purchasing or renewing your policy, you'll need to tell us if you've:

  • been prescribed medication by your doctor for COVID-19, 
  • visited hospital or A&E for COVID-19, or 
  • been referred for investigations or treatment for COVID-19. 

If this applies to you or anyone covered by your policy, you’ll need to tell us, and we’ll ask you some medical screening questions to confirm if we can cover the condition. You should check the Your Health section of your policy documents (PDF 254 KB).

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.

If I test positive for COVID-19, am I covered to cancel my trip?

If I get COVID-19 while on holiday, am I covered for medical treatment?

If I'm unexpectedly quarantined abroad or onboard a cruise ship because of a positive test result, am I covered?

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

If an overseas government closes its borders to travellers from the UK, or brings in restrictions such as a lockdown or quarantine requirements, can I cancel my trip?

If I can’t travel because I don’t meet the COVID-19 entry requirements for the country I’m travelling to, am I covered to cancel?

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

How do I make a claim?

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

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