Less than 1% of travel insurance policies offer comprehensive coverage for Covid-related disruptions

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Less than one percent of travel insurance policies offer “comprehensive” coverage for Covid-related disruptions, analysis by Which? found.


The consumer group looked at 263 travel insurance policies and found only two – HSBC Select and Cover and Barclays Travel Pack – that offer comprehensive protection.

They cover travelers against: cancellation due to changes in government advice or blockages prohibiting travel; test positive for Covid or be told to self-isolate; and medical costs and repatriation.

Another 85 policies were rated “superior,” providing cancellation coverage for travelers needing to self-isolate without a positive test, but not modified government advice.

Meanwhile, 34 policies have been categorized as ‘basic’, meaning they offer travelers coverage for Covid-related emergency medical expenses and repatriation, but not for trip cancellation if a traveler contracts Covid. Direct Travel, esure and Sheilas’ Wheels were some of the well-known providers offering “basic” policies.

Which? calls on the government to work with regulators to ensure all travelers correctly understand their travel insurance coverage.

Last month, the consumer group warned that many travel insurance customers had the wrong impression about the level of protection they would receive if the pandemic were to impact their vacation plans.

He wants travel and insurance providers to give travelers clear information about their policies, including those regarding canceled flights, changes in travel advice and reimbursements, and clearly outlining policy limitations.

He said the Financial Conduct Authority should monitor the quality of the presentation of this information by insurers.

Gareth Shaw, director of Which? Money, said: “As Portugal’s removal from the green list shows, last minute disruptions to vacation plans can occur – and our research shows that many travel insurers don’t offer much protection if it is. the case.

“The government should work with regulators to ensure that travelers, if they choose to go abroad, receive clear information about what they will and will not be covered for – and to ensure that cover without being clear about the boundaries.

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