Travel insurance

Coronavirus is causing travel disruption for many. In order to best serve our existing customers, we have temporarily suspended the sale of some travel insurance, however cover is still available as an add-on to our personal insurance sold via a broker. Our existing customers are unaffected by this and can continue to reach us for information on their policy or to make a claim.

We offer travel policies in a few different ways; some of our customers have it as an add-on to their home or business insurance, and others as a standalone policy.

    If you have purchased travel insurance as part of a Hiscox Business Insurance policy please visit our Business Insurance FAQs

    As you would expect, we will do everything we can to respond when a policy is triggered. Our terms and conditions can be found in your policy documentation, but of course each claim is different and how the policy responds will depend on your specific circumstances.

    If you have been impacted by travel disruption, then your first ports of call should be your travel provider and the card issuer that you used to make your purchase. If, after speaking to them, you still believe you need to make a claim, please get in touch and a member of our team will be able to assist you.

    In the meantime, we recommend all customers who are due to travel to follow the advice issued by the Foreign and Commonwealth Office (FCO): www.gov.uk/guidance/travel-advice-novel-coronavirus(external link) (external link).

    The Association of British Insurers has also published some information to help insurance customers – you can find answers to their commonly asked questions at: https://www.abi.org.uk/products-and-issues/topics-and-issues/coronavirus-qa/(external link) (external link). 

    Travel insurance FAQs
    If you have an upcoming trip

    Am I covered if I need to cancel my trip on the basis of official advice?

    We will cover cancellation costs if, within 48 hours prior to the scheduled departure, the Foreign and Commonwealth Office or Department of Health and Social Care have advised against travel to the country or part of the country you are travelling to.  For some policies, we will also cover cancellation if the World Health Organization or government officials of the country to which you are travelling, have advised not to travel to that country or part of the country.  Please check your policy wording to see whether this applies.

    For information and travel advice, please visit the Foreign & Commonwealth Office website.(external link) (external link) (external link)

    I am nervous about travelling at the moment.  Am I covered if I cancel my trip?

    Costs or losses arising from a disinclination to travel is not covered by our travel policies.

    I am in an at-risk group (over 70s, pregnant or with an underlying health condition).  Can I make a claim if I want to cancel my trip?

    This scenario is not specifically covered under your policy however you should revert to the FCO for advice about travelling to your intended destination. If the FCO warn against travel then you will be able to make a claim under your policy for cancellation. In the first instance you should speak with your tour operator.

    Am I covered if I need to self-isolate and therefore need to cancel my trip?

    We will cover cancellation costs if you, your travelling companion or someone you are planning to stay with or conduct business with during the trip are required to self-isolate. We will also cover cancellation costs where you self-isolate on the basis of official medical advice.  

    Am I covered if I fall ill / catch coronavirus and need to cancel my trip?

    If you become ill or die while travelling outside of the United Kingdom, we will pay the reasonable and necessary cost of:

    • medical, surgical or other remedial attention or treatment given or prescribed by a medical practitioner;
    • hospital, nursing home and ambulance charges;
    • bringing you back to the UK if medically necessary.

    We will also pay a hospital in-patient benefit for each complete 24-hour period you spend in hospital, up to the amount shown in the policy schedule.

    We will not provide this cover if, prior to booking or commencing your trip, you:

    • had been advised by a medical practitioner not to travel;
    • knew you had contracted the illness;
    • were awaiting tests or test results; or
    • were awaiting treatment.


    If you are currently on a trip

    Am I covered if I want to cut my trip short due to coronavirus and come home early?

    This is not covered as standard under your policy however we appreciate that these are exceptional circumstances and we will therefore consider claims where a trip has been cut short due to a change in FCO advice during the trip.

    I have been placed into quarantine during my trip.  Am I covered for additional expenses?

    There is no cover under your policy for these additional costs

    Am I covered if I need medical assistance whilst overseas, including if I contract coronavirus?

    If you become ill or die while travelling outside of the United Kingdom, we will pay the reasonable and necessary cost of:

    • medical, surgical or other remedial attention or treatment given or prescribed by a medical practitioner;
    • hospital, nursing home and ambulance charges;
    • bringing you back to the UK if medically necessary.

    We will also pay a hospital in-patient benefit for each complete 24-hour period you spend in hospital, up to the amount shown in the policy schedule.

    We will not provide this cover if, prior to booking or commencing your trip, you:

    • had been advised by a medical practitioner not to travel;
    • knew you had contracted the illness;
    • were awaiting tests or test results; or
    • were awaiting treatment.


    Questions about future travel

    What happens if I book a trip now, which I later need to cancel?

    We will not cover the cancellation of any trip:

    • to any destination to which travel is not advised; or
    • due to any medical condition you have already contracted, or in relation to which you are awaiting any tests, test results or treatment,

    at the time you book the trip.

    I have paid the deposit for a future trip.  What can I claim if I choose to now cancel my trip?

    We will cover cancellation costs if, within 48 hours prior to the scheduled departure, the Foreign and Commonwealth Office or Department of Health and Social Care have advised against travel to the country or part of the country you are travelling to.

    If your departure is not within 48 hours then there is no coverage for cancellation costs and you should speak with your tour operator or airline.

    If I buy travel insurance now for future travel, will it cover me for coronavirus?

    To best serve our existing customers we have limited the sale of new travel products to our broker channel only. Coronavirus will be excluded from any new policies sold.