Novel Coronavirus Covid-19

NHS Advice for travellers ​

Coronavirus Covid-19 – Global Pandemic Announced 9th March 2020

With effect from 00:00 hours 14th March 2020 cover for claims directly or indirectly caused by Coronavirus Covid-19 will no longer be available. 

Novel Coronavirus and Snowcard policies underwritten by Ageas Travel Insurance 

Please find a summary below of the cover considerations under the Snowcard scheme for policies issued after 13th March 2020  (This includes policies that were issued on or before the 13th March 2020 that have since been re-issued for later dates where the original trip did not go ahead):

IMPORTANT INFORMATION ABOUT CORONAVIRUS (COVID-19 including mutations) AND SNOWCARD TRAVEL INSURANCE from 14th March 2020

Because the World Health Organisation declared the ongoing Coronavirus (COVID-19) outbreak a pandemic on 9th March 2020 this is now a known event. This affects the cover provided by Snowcard Travel Insurance policies.

Any policies purchased on or after 14/03/2020 will not include cover under any section for claims directly or indirectly caused by the Coronavirus. This includes any preventative containment or delay measures.

For any policies issued on or before before 13/03/2020 cover remains as per the policy terms and conditions.

Please find a summary below of the cover considerations under the Snowcard scheme for policies issued on or before 13th March 2020:

1.  Cancellation Cover - This advice only applies to policies purchased on or before 13th March 2020

If someone has opted for cancellation cover, and also has travel disruption cover, there is cover for cancellation due to the Foreign & Commonwealth Office advising against travel to a country (or parts of a country). There is no cover for cancellation if the FCO have not advised against travel (this would be disinclination to travel). 

In the first instance customers with travel booked to areas that the FCO have advised against travel to should contact their airline or tour operator in order to obtain a refund or arrange an alternative holiday.

2.  Curtailment Cover - This advice only applies to policies purchased on or before 13th March 2020

If someone has opted for cancellation cover, and also has travel disruption cover, there is cover for curtailment if evacuation is recommended. 

If someone has travelled to an affected area (prior to the FCO advising against all/all but essential travel), curtailment cover would be provided if an insured person was taken ill overseas with Coronavirus and it was medically necessary to arrange early return home. Again, this is also the case in respect of someone that the insured person is travelling to stay with, a close relative, or a business associate (as defined in the policy).

3.  Medical Expenses Cover - This advice only applies to policies purchased on or before 13th March 2020

Medical expenses claims for any travellers contracting Coronavirus overseas and requiring medical attention will be covered, subject to the standard policy terms and conditions (there is no cover if someone has travelled to a country or area after the FCO have advised against travel/all but essential travel). In the event that someone is detained abroad, their policy will automatically extend the period of insurance by up to 30 days.

 

For advice on your situation you can email Russell Dadson, Director at Snowcard Insurance 

Useful links:

https://www.gov.uk/government/publications/covid-19-specified-countries-and-areas

https://www.nhs.uk/conditions/coronavirus-covid-19/

https://travelhealthpro.org.uk/news/499/novel-coronavirus-covid-19-general-advice-for-travellers

https://www.snowcard.co.uk/content/coronavirus-claims-information

FAQs

I am currently abroad and have been forced into quarantine, what cover is in place?

  • From 17th March the FCO has advised British citizens against all but essential travel worldwide, this initially applies for a period of 30 days.
  • British citizens overseas should refer to the FCO travel advice page for the country they are visiting and plan accordingly.

Provided you did not travel to one of these areas after the FCO advice was issued, your Snowcard Travel policy insurance period will be automatically extended up to 30 days if they have to be held in quarantine.

I am looking to travel to an area where the Foreign & Commonwealth Office (FCO) have advised against all or all but essential travel. Will my cover be impacted?

From 17th March the FCO has advised British citizens against all but essential travel worldwide, this initially applies for a period of 30 days.. British citizens planning to travel should refer to the Foreign Office Coronavirus travel advice page and also sign up to email alerts.

If you travel after the FCO advice was issued, you will not be covered by any part of your Snowcard Travel policy.

You should contact your airline or tour operator to change your flights, obtain a refund or arrange an alternative holiday.

While abroad I have contracted Coronavirus (COVID-19) and am in need of medical help, am I covered?

From 17th March the FCO has advised British citizens against all but essential travel worldwide, this initially applies for a period of 30 days.

British citizens planning to travel should refer to the Foreign Office Coronavirus travel advice page and also sign up to email alerts.

Provided you did not travel after the FCO advice was issued, then your medical expenses will be covered as outlined in your travel policy.

I have contracted Coronavirus (COVID-19) before travelling and have to cancel a planned trip, am I covered?

Our travel policies will provide cover for unused travel and accommodation costs (which have not been or cannot be recovered from your travel provider or from anywhere else) if you become ill before your trip and are confirmed as not medically fit to travel.

You should first contact your airline or tour operator to change your flights, obtain a refund or arrange an alternative holiday.

I am currently aboard and want to return home early, am I covered?

The FCO advises all British travellers overseas to return home to the UK now. If you are already abroad, you should contact your travel agent, tour operator or airline or the British embassy where you are to enquire about the availability of an early return home.