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Travel insurance with covid cover

Compare deals with covid cover included 

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We find you deals from leading UK providers

We do the hard work for you, comparing great deals from some of the UK’s best providers, so you can simply pick the travel insurance policy that gives you the cover you need at a price you’ll love.

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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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Why compare covid travel insurance with MoneySuperMarket?

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

  • Deals tailored to you

    We search through some of the leading insurance providers out there, so you can easily find the cheapest deal that gives you the cover you need.

  • 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.

  • Highly rated

    Thousands of happy holidaymakers say they’d use our services again* – so why not try it now and see how much you could save?

*Source: Reevoo ratings. 9.2/10 reviewers said they would purchase Travel insurance from MoneySuperMarket again. 

We're 100% independent, working only for our customers

Unlike some of our competitors, MoneySuperMarket is not owned by an insurance company. So we can offer the best value, with savings delivered straight to you.

By combining independence with our excellent technology, we can negotiate the best prices and the best value on products and services.
9.2/10

of our customers would buy again based on 16,381 reviews

What types of policy can I get?

When you take out travel insurance, there are plenty of different types to choose from – it all depends on how you travel. Here’s what’s on offer:

  • 1

    Single trip

    If you’ve got a special getaway lined up, single trip travel insurance will help protect your wallet against covid-related travel woes – so you can plan your escape with peace of mind

  • 2

    Annual multi-trip

    For regular jetsetters, annual travel insurance covers you for a full year’s worth of adventures – if you travel often, it’s usually much cheaper than insuring each journey separately

  • 3

    Backpackers

    Multi-trip insurance usually only covers trips of up to 30 days each, so if you’re off to explore the world, backpackers travel insurance will protect you from all kinds of risks – including covid – for a solid year

  • 4

    Pre-existing medical conditions

    If you have a long-term illness or disability, that shouldn’t stop you enjoying your holidays. With specialised travel insurance, your pre-existing condition is excluded from the policy, but other benefits like covid cover are kept in place

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:

  • Tick

    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 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. But again, some insurers might not cover this, or you might have to buy extra covid protection 

  • Cross

    What’s not

    • Change of heart: Insurance won’t pay out if 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 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 

Keep up to date on the latest covid travel advice

Covid outbreaks are still happening across the world, and the situation could change at any time – so it’s still crucial to keep on top of the situation. 

  • Check travel restrictions

    Make sure you know which travel restrictions apply to you – there will be different rules for people living in England, Scotland, Wales and Northern Ireland

  • Check the FCDO

    Check the government and the Foreign, Commonwealth and Development Office's (FCDO) if you’re planning a trip overseas – and remember your insurance isn’t valid if you travel against their advice

  • Get updates

    Sign up for email alerts about the destinations you’re planning to visit – you can do that on each country’s FCDO advice page. That way, you’ll find out about any changes as soon as they occur

Compare covid travel insurance with MoneySuperMarket

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:

  • 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

  • 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 

  • Enjoy your holiday!

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

Travel cover is still available from MoneySuperMarket – and every provider on our panel offers emergency medical treatment and repatriation for coronavirus claims as a minimum.

This means you can rest assured you are covered for both for medical treatment and getting back to the UK if you contract coronavirus while you are on holiday.

However, for your policy to be valid, you must not be travelling against FCDO advice. This means you will not be covered if you travel during a lockdown or to countries that do not feature on the FCDO exempt list.

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.

If you have a package holiday booked during the nation-wide lockdown then you should get a refund from the holiday company. If you booked flights independently and the flight is cancelled you should also get a refund. But different airlines will have different policies so check with your airline.

If your airline still operates during the lockdown and your flight is not cancelled this is more of a grey area. In most cases the airline should allow you to rebook or offer vouchers.

If you are buying a new travel insurance policy, as things stand, most travel insurance providers will still NOT cover cancellations to your holiday as a result of coronavirus.

However, this is starting to change.

The Post Office, SouthdownsCoverwiseCedar Tree and Coverforyou.com – all listed on MoneySuperMarket – are now among the insurers that WILL cover for cancellation if you cannot travel due to coronavirus (so long as your destination is not listed under the FCDO travel ban) – and more insurers are expected to follow suit as travel rules change.

If you have an existing travel insurance policy and your holiday has been cancelled whether you are covered will depend on your circumstances:

  • If you booked your holiday before the destination was listed by the FCDO you may be able to claim for cancellation, curtailment (coming home early) or rearrangement. However, this may not be for the entire cost, depending on the amount of cover you’ve taken out

  • If you booked your trip after the destination was listed by the FCDO, travel insurers won’t cover you for cancellation

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.

If your holiday – which you bought before the coronavirus pandemic – has been cancelled due to coronavirus and you had existing cover, you should be covered. Check to see if it is a member of the Association of British Insurers. Collectively, these insurers have pledged to protect customers – get full details at the ABI website.

You almost certainly won’t get a refund from the collapsed airline itself. But if your flight was part of an ATOL-protected package holiday, the travel firm you booked with should organise alternative outbound and inbound travel or provide a full refund.

If you made independent arrangements and paid by credit card or debit card, you may be able to recoup the price of your ticket via the chargeback scheme – VISA, Mastercard and American Express all belong to it.

Under the scheme, your card provider will seek a return of your money from Flybe’s payments operator. Your provider will advise you on the process – but they’ll do the legwork on your behalf.

If you paid by credit card (and spent more than £100 on your ticket), you have recourse to a piece of consumer protection regulation known as Section 75. More details here.

If you have spent money on accommodation or car hire or other services and are out of pocket because you have not been able to travel, you should first of all try to get a refund from the business concerned.

If this doesn’t work, you may be able to claim on your travel insurance but only if the policy includes ‘scheduled airline failure’ cover – many do not.

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 can get travel insurance whether or not you've had a covid vaccine. However, some countries might require any visitors to be fully vaccinated, and airlines might also have vaccination rules. Make sure you know what the requirements are before you book - if you're denied entry because of your vaccine status, odds are your insurer won't pay out.

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