This policy will provide COVID-19 cover in respect of Cancellation, Curtailment and Emergency Medical and Repatriation Expenses as defined in Section 23 or Section 24 if you have purchased our Enhanced COVID-19 Protect Cover of the policy wording (Section 17 or Section 18 if you have purchased our Enhanced COVID-19 Protect Cover of our Backpacker product) and summarised here.
Unless you purchase our Enhanced COVID-19 Protect Cover there is no cover under any section of the policy and no trip cancellation cover as a result of the Foreign Commonwealth & Development Office (FCDO) changing their advice to ‘all but essential travel’ due to COVID-19.
There is no cover if you have to cancel your trip as a result of you being unable to travel due to government travel restrictions (e.g. National Lockdown or Tier Restrictions). If you decide to travel anyway, this policy will not cover you for any peril that may arise, and any subsequent claim under any section of cover in the policy will be rejected.
Unless you purchase our Enhanced COVID-19 Protect Cover this policy will only be valid if you do not travel against the published advice of the FCDO for ‘all but essential travel' in respect of COVID-19.
If the government enforce a travel restriction or the FCDO advises against all travel to a particular country, island(s) or region because of COVID-19, and you decide to travel anyway, this policy will not cover you for any issue that may arise, and any subsequent claim will be rejected.