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TRAVEL INSURANCE WITH COVID COVER

FIND CHEAPER INSURANCE WITH COVID COVER INCLUDED

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Compare holiday insurance quotes from 47i trusted UK providers

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Why Compare Travel Insurance with MoneySuperMarket?

At MoneySuperMarket, we’re here to make sure your holiday planning is a breeze. Here’s what you’ll get:

  • Calendar icon

    Flexible to suit your plans

    Get fully comprehensive cover for as long as you need it, whether that's one day or a few months.

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    Quick and easy to use

    Simply pop in a few details about where you’re off to next, pick the best deal for you and get insured for your next trip.

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    Save money

    Compare quotes from the UK's leading travel insurance providers and filter through a range of policies that match your needs as well as your budget.

Does travel insurance cover Covid?

Yes, all travel insurance policies offered through MoneySuperMarket offer a level of Covid cover. However, some travel insurance providers have more cover than others – for instance, some will refund the cost of your trip if you test positive before you leave. Often, you can buy an optional add-on to increase your travel insurance’s Covid cover.

With so many different policies out there, it always pays to shop around. When you compare travel insurance with MoneySuperMarket, we’ll let you know exactly what kind of protection each quote offers you against Covid risks. You can click through to see a detailed breakdown of what is and isn’t included before you pick a deal – so you’ll get exactly as much insurance as you need while saving a packet on cover.

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What’s included in covid travel insurance? 

Every insurance policy is different – that’s why at MoneySuperMarket, we’ve made it easy to see exactly what level of covid cover you’ll get with every quote. But here’s an idea of what to expect:

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    What’s included

    • Covid treatment: If you catch covid while on your holiday, any travel insurance policy should pay out to cover your medical expenses abroad, or an emergency medical repatriation back to the UK

    • Emergencies at home: If a close family member in the UK is hospitalised with covid while you’re on your trip, insurance will pay out for a flight home

    • Cancellation cover: If you test positive for covid and have to cancel your trip, or your airline won’t let you board after a temperature check, most insurers will refund your costs. But not all – make sure you check your policy first

    • Delayed return: Similarly, you might get a payout for your extra costs if you test positive abroad and have to stay a little longer you should be covered, although this may be offered as an add-on. But again, some insurers might not cover this, or you might have to buy extra covid protection 

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    What’s not

    • Change of heart: Insurance won’t pay out if you decide you don’t want to travel because covid cases start going up in your destination, or the local government introduces new quarantine rules, and you decide you don’t want to travel

    • Local lockdowns: If you test positive and need to spend longer than expected abroad, insurance should pay out – but not if you’re trapped abroad because of a lockdown your insurance probably won’t pay out. Your travel company might be able to help, though

    • Travel advice: If the Foreign, Commonwealth and Development Office (FCDO) advises against all travel to your destination due to a covid outbreak, most insurers won’t refund the cost of your trip

    • Breaking the rules: If the FCO advises against travel to your destination and you go there anyway, your cover is likely to be invalidated – which means that you won’t just lose your covid protection, but all the benefits of your insurance 

Other important considerations when choosing travel insurance with covid cover

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    What types of policy include covid cover?

    Covid cover is included as standard in all travel policies offered by MoneySuperMarket. These include: single trip policies, annual policies for multiple trips in a single year, and long-stay or backpackers cover, for trips that will last several months.

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    How much is travel insurance with covid cover?

    Single-trip policies start at £2.35¹ and annual cover costs from £9.93². However, the cost will vary depending on factors such as your age, any medical conditions you may have or the destination you plan to travel to.

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    Can I get covid cover for medical conditions?

    Travel insurance will cover a range of pre-existing medical conditions but it is likely to increase the cost as you will be seen as a higher risk of making a claim

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    Can I get cover if I’m unvaccinated?

    You can get travel insurance cover whether you have been vaccinated or not, but make sure to check entry requirements for your destination. If you are turned away at the border because of your vaccine status then your insurer probably won’t pay out.

¹Single trip: Based on and individual aged 30 taking single trip cover for 3 days to France. Cover starts on 10th July and ends on 13th July 2024

²Annual trip: Based on and individual aged 30 taking European cover. Cover starts on 10th July 2024

Saarrah Mussa

Our expert says

It’s been more than three years since Covid first disrupted travel plans and while the virus may not have gone away, the insurance industry is better placed to help customers navigate the pitfalls that arise. Travel insurance is always recommended if you’re heading overseas, but now you can also compare policies to find one that has the right level of coronavirus cover to meet your expectations.

- Saarrah Mussa, Insurance expert

Compare tailored quotes for your destination

Using MoneySuperMarket you can compare travel insurance no matter where you are travelling to, however, your destination will affect the type of cover you can get. Worldwide travel cover can sometimes be more expensive than European cover because of the high cost of medical treatment in countries like the USA. Some countries also insist on travel insurance before they will let you enter.

Make sure to check the FCDO website for any travel restrictions or advice before booking a trip abroad. Remember that your insurance isn’t valid if you travel against FCDO advice. You can sign up for email alerts on a particular country in case anything changes.

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Ready to compare quotes? Here's what to do next

Covid might have made getting away a little more difficult – but with MoneySuperMarket, getting the right insurance couldn’t be easier. Here’s how it works:

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    Tell us about your trip

    Simply let us know where you’re off to and what kind of cover you want – it only takes a moment

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    We’ll do the legwork

    We’ll put together a list of quotes, with a handy link to their covid policies, so you know exactly what you’re getting 

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    Enjoy your holiday!

    With your travel insurance sorted, you can get back to planning your next adventure

Enhanced cover can offer varying levels of protection depending on the provider you choose - this can include the following situations:

  • If you catch COVID-19 before travelling and need to cancel

  • If your travel provider goes into administration due to COVID-19

  • If you are denied boarding by your airline due to COVID-19 symptoms

  • If you show COVID-19 symptoms while on holiday and have to cancel pre-booked excursions

However not all providers will offer the same cover, so it's important to check before booking a holiday and buying travel insurance.

All travel insurance offered via MoneySuperMarket offers covid cover – but the level of that cover could differ between policies. If you test positive before you leave and have to cancel your trip then most policies will pay out but do remember to check the terms and conditions of your policy.Others will offer greater levels of cover as an additional add on. 

It's also worth noting that your European Health Insurance Card (EHIC) will still cover you for state-provided healthcare in the EU - however if you are applying for a new one you'll get a Global Health Insurance Card (GHIC) instead.

However, while you should always make sure you take it with you, the card is not a substitute for travel insurance.

If you are having to quarantine on your return from abroad, your travel insurer is unlikely to cover you – for example, for expenses incurred because you had to cancel an event that you can’t attend as you will be isolating.

If you were due to travel to a country no longer on the exemption list and can no longer go because of having to quarantine on your return to the UK, your travel insurance is also unlikely to cover you. Check with the policy provider.

If you choose to cancel your trip based on FCDO advice, you may be able to claim on your travel insurance. This is so long as you took it out before the original FCDO blanket travel restrictions were in place.

If you are due to travel and your package holiday has been cancelled, you should be entitled to a full refund from the travel operator.

The lifting of the FCDO’s guidance against all but essential travel applies to all of the countries on this list – but many countries still fall under the travel ban.

What constitutes ‘essential’ travel is limited – for example if you are involved in any kind of freight transport, including by air, ship, road and rail.

Visiting friends and family abroad does not qualify as essential travel.

If you travel against FCDO advice, you’ll render your travel insurance invalid and you won’t be able to make a claim.

In practical terms, you may not be able to return to the UK. If you are able to get back, it’s likely you will have to quarantine in self-isolation for 14 days or face a £1,000 fine.

If you’re diagnosed with coronavirus before you are able to get home to the UK, you will need to seek medical treatment first. If you fall ill, tell your insurer immediately and they will advise you of your options.

Your travel insurance should meet any medical expenses you incur, provided you did not ignore government travel advice.

You may also be able to claim for additional expenses incurred because of your prolonged stay overseas, such as bed and board for other members of your party.

If you are placed into quarantine abroad, you may also be able to claim for out-of-pocket expenses. And many insurers are paying out for claims for emergency medical and repatriation related to coronavirus. As ever, check with your insurer.

You work hard to earn your money, and we don’t think you should waste a penny of it paying over the odds on your household bills. That’s why at MoneySuperMarket, we’re on a mission to save Britain money.

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