Had anyone even heard of a travel corridor before the start of this year?
Well, the UK has officially opened a few with certain countries so that many of us can head back and see family and friends. For the rest of us, it means we can still get that cheeky summer holiday squeezed in.
Of course, as with everything at the moment, these corridors are subject to change. If a country starts to see an increase in coronavirus cases, they can impose another lockdown. Alternatively, countries have the right to turn away visitors from other countries if they feel it would be a risk to themselves.
So, what does that actually mean for travel – are we still allowed to go?
Well, technically, yes.
However, the UK government is still advising against all but essential travel.
That puts us in a tricky situation when it comes to getting travel insurance.
Can I get travel insurance that covers coronavirus?
Yes, in some capacity.
Due to recent announcements, insurers can offer policies that will cover treatment for Covid-19 that has been caught while in a resort.
However, all other coronavirus-related events won’t be part of your policy. So, make sure to do your research before taking out cover.
Will my travel insurance cover flight cancellations?
While you can still take out travel insurance, policies will not be covering flight cancellations as a result of coronavirus-related issues.
That means that if you book flights and either the UK or the country you’re travelling to imposes a travel ban, you won’t be able to get the money for your cancelled flights through your insurance.
If there is another lockdown, should I cancel my booked travel plans?
No.
If you decide to voluntarily cancel your flights and other bookings, you will unlikely qualify for a refund.
Currently, airlines are doing everything they possibly can to hold on to your money so that they can stay in business.
Many airlines are offering flight vouchers or free rescheduling for later dates. This will be your first option if you want to cancel your tickets.
Instead, it’s best to wait it out and see whether or not your flights have been cancelled. If the airline cancels your flight, you will be eligible for a full refund.
If your flight isn’t cancelled and the Foreign Office is still advising against travel, insurance bought before 13th March will likely cover you.
What about if I develop symptoms before travelling, will insurance cover me?
Ultimately, this is down to the provider.
Before taking out any policy, you should read the fine print in detail.
Some insurance will provide cover if either you or a family member, develops coronavirus symptoms before travelling. However, a lot of policies won’t.
If you’re living with a key worker or someone who is exposed, such as hospital workers, getting insurance to cover you for corona-related symptoms is highly advised.
While things are starting to look a little more positive, we all must follow the government guidelines. Just because travel bridges are being put in place, this doesn’t necessarily mean we can all pack our bags and swoop off for our week in the sun like we normally would. In fact, most people are thinking of taking a staycation this year instead.
As with anything, travel is a developing situation globally at the moment. Everything could change overnight so it’s important to make sure you’ve got the proper insurance and, most importantly, it’s safe for you to go.