Coronavirus: travel insurance

Everything you need to know at this time

Coronavirus latest

Please check the rules in England, Scotland, Wales and Northern Ireland to see what current UK Government Covid-19 restrictions are in your area.

If travel is essential and legally permitted you should check the www.gov.uk/foreign-travel-advice for all the countries you will visit or transit through. Some countries have closed borders, and any country may further restrict travel or bring in new rules with little warning.

Aviva Travel Insurance will not cover you if you decide to travel against FCDO advice unless your travel is essential and legally permitted. (This exclusion will apply to all new policies but will not apply to existing policies unless renewed on or after 17/01/2021 — please check your policy documents).

Please be aware that the cover for cancelling your trip might be limited depending on what the travel restrictions are at home and abroad at the time you book your trip or purchase your cover (whichever is later).

If you book a trip or purchase your policy (whichever is later) before the UK government (or the parliament in your home country) confirm the dates that travel will be allowed, then you will not be covered if you then have to cancel your trip as a result of the Covid19 travel restrictions.

For international travel, you also need to be aware of border closures and travel restrictions abroad. If you book a trip while these restrictions are in place and the restrictions result in you having to cancel your trip, then you will not be covered.  

If all of the travel restrictions at home and abroad have been removed when you book your trip and you have added Travel Disruption to your policy, then you will be fully covered if the restrictions are reintroduced, preventing you from travelling or forcing you to return home early. 

We 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.

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 against travel to?

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 Government or local lockdown restrictions in the UK preventing me from travelling?

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

Am I covered if I can't travel because I haven't received my Covid vaccinations?

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 catch coronavirus whilst abroad?

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?

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

I’m currently stuck abroad. Can you help?

MyAviva

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