We’re pleased to let you know that our travel policies will provide you

with enhanced cover for claims arising as a consequence of COVID-19.

Before you travel, we’ve included cover for cancellation due to you falling ill with COVID-19 and being unable to travel
or being required to self-isolate, subject to medical certification or an official test result.

During your trip, all our policies include cover for any medical claim due to COVID-19 while travelling if there was no
Foreign, Commonwealth and Development (FCDO) warning against all or all but essential travel due to COVID-19 when you
departed.

This extends to reasonable additional transport and/or accommodation expenses up to the standard of your original
booking (for example full or half-board, all inclusive, bed and breakfast, self-catering room only), if it is necessary for you
to stay beyond your scheduled return date because you’ve failed a COVID-19 test and are required to self-isolate or
quarantine at your trip destination.

Please contact the AXA Emergency Assistance team before committing to additional costs, as you may be expected to check
whether transport tickets can be arranged without cost or with a nominal administration fee through your original service
provider.

We’ve also included cover for curtailment (if you need to come home early) due to the illness of a close relative back home
due to COVID-19.

If you choose to travel against FCDO advice (that is to a country, specific area, or event when the FCDO, or other
regulatory authority in a country to/from which you are travelling, has advised against all or all but essential travel) our
policies will continue to provide cover for any insured losses unrelated to the specific reasons for the travel advice/
restrictions.

For example, should you travel against FCDO or other regulatory authority advice that is in place due to COVID-19, your
policy will not provide cover if you suffer with COVID-19 when abroad, but would provide cover for claims that are not
directly or indirectly linked to COVID-19 for instance if you broke your leg.

Our policies will continue to provide cover for non-COVID-19 related incidents, for Emergency Medical Costs, Baggage,
Passports, Money, and Personal Accident claims, as usual during your trip.

To make what we do (and don’t) cover as clear as possible, we’ve created the following summary to provide the information
you might need:

Section A - Cancellation
What you are covered for What you are not covered for

Trip cancellation claims if you are unable to travel because Trip cancellation claims where:
you:
• You cannot travel or you choose not to travel because
• Fall ill with COVID-19 the Foreign, Commonwealth and Development Office
• Are subject to compulsory quarantine before (FCDO) advises against travel to your destination due
departing from the UK to a pandemic.
• Are required to self-isolate, preventing you from • The cancellation claim is because you will have to
leaving your home in your country of residence due quarantine upon return to the United Kingdom (or
to COVID-19 your country of residence)
• Suffer bodily injury, illness, or an unexpected • Your claim is caused by a reason not listed under
complication of pregnancy ‘What is covered’ in ‘Section A – Cancellation’ of your
• Any other reason listed under ‘What is covered’ in policy wording
‘Section A – Cancellation’ of your policy wording • Your claim is caused by another reason listed under
‘What is not covered’ in ‘Section A – Cancellation’ of
your policy wording
 Section A - Curtailment
What you are covered for What you are not covered for

Trip curtailment claims when it is necessary to cut short Trip curtailment claims where:
your trip because:
• The Travel Advice Unit of the FCDO (or other
• The Travel Advice Unit of the FCDO (or other regulatory authority) are recommending evacuation
regulatory authority) are recommending evacuation from the country or a specific area you have travelled
from the country or a specific area you have travelled to, when there was a warning against all or all but
to, providing the advice came into force after you left essential travel in place when you departed on your
your home to begin your trip trip, and you continued with your trip
• You have been denied boarding at your UK departure • Your claim is caused by a reason not listed under
airport due to detected symptoms of COVID-19 ‘What is covered’ in ‘Section A – Curtailment’ of your
• A close relative becomes ill with COVID-19 or other policy wording
unexpected illness while you are travelling • Your claim is caused by another reason listed under
• Any other reason listed under ‘What is covered’ in ‘What is not covered’ in ‘Section A – Curtailment’ of
‘Section A – Curtailment’ of your policy wording your policy wording

Section B - Emergency medical and other expenses

What you are covered for What you are not covered for

Medical claims while you are abroad subject to the normal Claims for emergency medical and other expenses where:
terms of our insurance, including:
• The Travel Advice Unit of the FCDO (or other
• Emergency medical treatment due to injury, illness, regulatory authority) are advising against all or all but
disease (including COVID-19), or unexpected essential travel to your destination when you depart
complication of pregnancy on your trip and your claim is related to the specific
• Compulsory quarantine due to COVID-19 or other reasons for the travel advice/restrictions.
infectious disease • For example, if the FCDO advice was issued:
• Additional accommodation and repatriation expenses • due to COVID-19 and you contract COVID-19
should you be unable to travel home as planned, due • due to civil unrest and you are injured because
to an illness, injury, or unexpected complication of of the civil unrest
pregnancy (whilst abroad or on a valid UK trip) • Your claim is caused by another reason listed under
• Any other reason listed under ‘What is covered’ in ‘What is not covered’ in ‘Section B – Emergency
‘Section B – Emergency medical and other expenses’ medical and other expenses’ of your policy wording
of your policy wording

In addition to the standard documentation required to process a claim, to support any cancellation or health
related curtailment claim due to COVID-19 you will need to provide:

• A medical certificate
• An official COVID-19 test result
• Evidence for the need for you to self-isolate, if applicable.

Your policy does not provide cover for any unused or additional costs that are recoverable from:

• The providers of your accommodation, their booking agent, travel agent, compensation scheme, or Air Travel
Organisers’ Licencing (ATOL) including where vouchers have been offered
• Your credit or debit card provider or Paypal.

Choosing to travel if Local Government Restrictions apply to you:

• Our insurer AXA would like to make you aware that:

• your travel insurance policy will be valid providing the reason for travel is deemed lawful under current
government advice; and
• cover will only be provided for claims that are not directly or indirectly related to COVID-19

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