Revealed – How Many Travel Insurance Policies Offer COVID Coverage


Less than 1% of the 259 travel insurance policies reviewed by Which? have emerged with the UK Consumer Champion’s ‘full’ rating when it comes to COVID-19 coverage, and they don’t even come from insurers.

Which? did the hard work of comparing the different policies offered by over 80 providers, with the advocacy group using four ratings – basic, low, high, and full.

Basic policies include emergency medical coverage related to the coronavirus and repatriation; low basic coverage plus cancellation coverage if the policyholder is diagnosed with COVID-19; superior adds coverage for cancellation due to self-isolation without a positive test; and full is a combination of the three levels plus cancellation due to advice or blockages from the Foreign, Commonwealth & Development Office (FCDO).

The analysis of the consumer group, the results of which are published on Which? website, found that only two fonts can be stamped with the full rating. These are respectively “Travel Pack” and “Select and Cover” from Barclays and HSBC.

“The good news is that a third of policies (32%) achieved our top rating, providing a decent level of coverage,” noted Which? in its June update. “Just over half (53%) of the policies we analyzed had low coverage, and one in seven (14%) received our base score.

Meanwhile, the Association of British Insurers, which has a dedicated travel insurance page where it highlights the evolving nature of the situation, stressed: “Always check the current advice from the FCDO, especially since traveling against the advice of the FCDO is likely to invalidate your travel insurance.

“Be aware of all quarantine requirements upon your return to the UK – travel insurance will not cover costs associated with quarantine in government provided accommodation. “

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