Novel Coronavirus Covid-19
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.