COVID-19 Travel Insurance

Buy now for free COVID-19  Emergency Medical & Repatriation AND Cancellation & Curtailment Cover. Including your compulsory medical quarantine costs (details below).

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  • Assistance Service available 24/7 for COVID-19 emergencies while on your trip

CORONAVIRUS Travel Insurance Cover Benefits

ALL POLICIES AND RENEWALS PURCHASED NOW, COVER CORONAVIRYS RELATED EMERGENCY MEDICAL & REPATRIATION EXPENSES AND CANCELLATION & CURTAILMENT.

 

As long as your Government do not advise against travel due to Covid to your chosen location, you will get Covid Cover.

 

Plus 20% off UK based Covid PCR Tests from a leading UK Government approved test provider for EU residents! Read More.

 

If there is ‘advice against travel’ due to Covid to your destination and you still wish to travel:
You can still get Travel Insurance and your cover remains valid for all insured events under the policy you purchase that are NOT COVID related. So if you need to cancel, or curtail your trip, or have a medical emergency while you are away that is not COVID related, you still have cover. Always check your Government restrictions and the location you plan to visit before booking and travel.

If you travel against a compulsory restriction / legal ban and you do not have a permitted reason for travel:
You are NOT covered under any part of this policy unless you have a legally permitted reason to travel and you have contacted us and agreed this.

If you need to travel and your local government has a compulsory travel restriction / or advice against travel:
If you think your trip falls into a permitted categories, please email us at globelink@globelink.eu and we will advise you if we can provide you with insurance and whether this can include COVID cover.

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Planning a trip soon and need Coronavirus Holiday Insurance? Before you buy, check your trip doesn’t clash with a travel ban imposed by your Government. Restrictions vary depending on where you live, so check before you purchase. Travel bans are different from Government advice against travel.

  • COVID-19 Emergency Medical cover
  • COVID-19 Cancellation Cover (positive test within 14 days of travel)
  • COVID-19 Curtailment Cover (positive test on your trip)
  • Travel Insurance additional accommodation and travel costs where authorised by the 24 hr Assistance Service
  • COVID-19 Travel Insurance Medical Repatriation where authorised by the 24 hr Assistance Service
  • Compulsory Quarantine Cover (as a result of a new medical condition - not area restrictions).
  • 20% off UK based COVID tests for EU residents
  • Kids go free on Annual policies
  • Protection for all trips booked or taken for 12 months on Annual Cover

Before you travel:

  • Cancellation Cover if you, your travel companion or someone you were due to stay with receives a positive COVID-19 (coronavirus) test within 14 days of your trip.
  • Missed Departure Cover as a result of a failed health screening test (failed COVID test, including a failed temperature check) at your departure point.

While you’re away:

  • Covid-19 Emergency Medical Expenses and Repatriation. The 24 hour Emergency Assistance team is there to help and provide guidance, cover emergency medical costs and arrange a medical repatriation back home if it’s medically necessary to do so and liaise with local doctors.
  • Additional accommodation and transport costs as authorised by our Emergency Assistance team.
  • Additional costs if you are required to compulsory quarantine on the advice of a medical practitioner whilst on your trip.
  • Curtailment Cover (if permitted) as a result of a positive COVID-19 test requiring your compulsory quarantine for a minimum of 24 hours on the advice of a medical practitioner whilst on your trip.
  • All these Coronavirus Holiday Insurance Benefits will help protect you, plus you'll get all other Travel Insurance Benefits in line with the cover you buy. 

What’s covered?

Frequently Asked Questions

How will Coronavirus impact my next trip?

Do your homework – It is a fast moving situation so make an informed decision about your actions - especially if you may have a compromised immune system, or you are travelling with very young or old family members whose health may be more vulnerable, or you have a pre-existing medical condition; chose destinations carefully; speak to your travel providers; check your insurance cover and stay abreast of local Government advice and we strongly advise that you comply with it.

Check the Worldhealth Organisation (WHO) https://www.who.int/emergencies/diseases/novel-coronavirus-2019 AND your local Government Advice before you book your travel destination and before you travel to avoid all locations that are against their travel advice.

If you have already booked we still recommend you check these websites regularly for updates in case the advice changes or restrictions are imposed for the area you are travelling to or from.

You will not be covered for any claim if you travel to a destination which your local Government authorities, or WHO, have advised against all or all but essential travel.

Please see Coronavirus and your cover for more information.

Am I covered if there is an area Lockdown or travel restriction stopping me from travelling?

This insurance is for unforeseen events, so you will not be covered if your trip is cancelled due to government Covid-19 lockdowns / or travel restriction. We provide Cancellation cover for your own personal medical circumstances (illness or accident - including Covid-19). You are covered for irrecoverable travel costs, pre-booked excursions, and other pre-paid charges if you must Cancel your trip due to you, or someone you’re due to travel with, or stay with contracting COVID-19 within 14 days before you travel. Like most other travel insurance, there is no cover for Government imposed area lockdowns. You are covered for the following specified Cancellation / Curtailment reasons:

  1. Death, injury, illness, of yourself, travel companion, anyone you’re due to stay with, close relative, close business associate Including COVID.
  2. You are called as a Court witness, or jury service.
  3. Redundancy
  4. Cancelled leave by Armed Forces, TA, Police, Fire, Nursing or Ambulance Services.
  5. Police or other authorities need you home due to serious damage to your home
  6. Your compulsory quarantine for +24hrs by a doctor (excludes Government area restrictions).
  7. Failed COVID-19 test or temperature test at your departure point and not permitted to continue trip.

My travel company has cancelled my trip due to Coronavirus pandemic.

If your travel company cancels your trip, then they must fully refund your costs or provide alternative options for you.

Please see Coronavirus and your cover for more information.

My airline cancelled my flight due to Coronavirus.

The airline must fully refund your flight costs or re-arrange your flight at the earliest opportunity.

If your travel provider does not co-operate, you can also approach your credit card company for them to arrange a refund instead, if you are in the UK, section 75 of the Consumer Credit Act of 1974 provides legal protection.

Please see Coronavirus and your cover for more information.

I am stuck outside my home country because of Coronavirus.

If you are stuck away from home because of newly imposed travel restrictions, your first port of call is your travel provider who can advise what next steps they plan for rescheduling. It is their primary responsible to get you to your destination.

Please see Coronavirus and your cover for more information.

Four Seasons Country Club, Four Seasons Fairways and Quinta do Lago membership fees. Are membership fees covered if my trip is cancelled due to Covid?

This insurance is for unforeseen events, so you will not be covered if your trip is cancelled due to government covid-19 lockdowns / or travel restriction. Cancellation cover is for your own personal medical circumstances (illness or accident - including covid-19). You are covered for irrecoverable Membership Fees, travel costs, pre-booked excursions, and other pre-paid charges if you must Cancel your trip due to YOU, or someone you’re due to travel with, or stay with contracts COVID-19 within 14 days before you travel. There is NO cover for Government imposed area lockdowns (which is in line with other travel insurance policies). For example: If you prepaid 6 weeks in total and you miss 2 weeks due to an insured event under your policy - then Claims would consider the pro-rata proportion of your missed Fees (ie: 2 weeks), less any policy Excess. You are covered for the following specified reasons if you must Cancel / Curtail your trip:

  1. death, injury, illness, of yourself, travel companion, anyone you’re due to stay with, close relative, close business associate Including COVID.
  2. You are called as a Court witness, or jury service.
  3. redundancy
  4. cancelled leave by Armed Forces, TA, Police, Fire, Nursing or Ambulance Services.
  5. Police or other authorities need you home due to serious damage to your home
  6. Your compulsory quarantine for +24hrs by a doctor (excludes Government area restrictions).
  7. Failed COVID-19 test or temperature test at your departure point and not permitted to continue trip.

If I buy insurance for my booked trip and the Government LATER advise against travel, am I covered?

If your travel company cancels your trip, then they must fully refund your costs or provide alternative options for you. Most providers are co-operating and rescheduling trips or providing credit vouchers.

For Economy, Regular, Globetrekker or J1 Policies:
Unfortunately you are not covered for cancellation, cutting your trip short, or trip disruption costs. However, in the unlikely event that you cancel your trip prior to travel and are unable to recover any pre-paid costs from your travel provider, and can provide evidence of this, Insurers suggest that you contact the claims handlers who will assess the information available and will consider claims for irrecoverable costs on a case by case, individual merit basis.

For Comprehensive and Annual Multi Trip Policies:
For policies purchased prior to 16th March 2020, if you are unable to recover any pre-paid costs from any other source, such as your travel provider, you may be covered for certain irrecoverable Cancellation costs in line with the Terms, Conditions and Exclusions of your insurance under section S3 Travel Disruption (Force Majeure) of these policy. Contact the Claims Handler with full details to check if your particular circumstances are covered.

Please see Coronavirus and your cover for more information.

Can I buy insurance now for a holiday I have already booked to a restricted travel area?

Travel Insurance is intended to cover unforeseen events. The coronavirus is a circumstance known to you. This means that if you haven't already purchased travel insurance for your trip to a location where your local Authorities, or the WHO have now restricted travel, or advised against travel, you will not be covered under any section of the policy. The exception is if you have contacted us at globelink@globelink.eu with your specific reason for travel and we have confirmed to you in writing that we have classified your particular trip as essential travel to a restricted area.

Don’t want to travel because of the coronavirus? Can you claim to cancel your holiday?

We can understand you thinking twice about travelling at the moment. However, if you decide against travel, even though your local government have not advised against travel to your chosen location – then you are still able to take you trip. This means that you will not be able to make a claim on your Travel Insurance for lost holiday or cancellation costs.

Please see Coronavirus and your cover for more information.

I have a medical condition and I am worried I may be vulnerable if I travel.

If customers have concerns about travelling with an underlying medical condition and want to cancel the trip, this is not covered by the insurance, however, Insurers will look at each circumstance on its own merits and we can look to assist you alter your insurance travel dates on globelink@globelink.eu.

Please see Coronavirus and your cover for more information.

I’m stuck away from home / my plane, cruise ship or other transport is denied entry at a port because of Coronavirus?

Where you have commenced travel / or are due to travel to a destination and a local Government directive will deny you entry, or apply quarantine restriction upon arrival, you should first approach your carrier, tour operator etc to check your options.

For Comprehensive or Annual Multi Trip Policy purchased prior to 16th March 2020:

  • If you need immediate help while away, or may start to incur additional costs because of trip disruption, contact the Assistance Company Mayday, on +44 (0)1273 624 661 or operations@maydayassistance.com. They will provide guidance and support for your circumstances.
  • If you are unable to recover your pre-paid costs from any other source, such as your travel provider, you can submit a claim for consideration for irrecoverable costs in line with the Terms, Conditions and Exclusions of your insurance under Section S3 Travel Disruption (Force Majeure) of the policy. You must obtain evidence of the local government restrictions at the time. However, you must first approach your travel provider for refunds / or rescheduling.

Economy, Regular, Globetrekker or J1 Policies purchased prior to 16th March 2020:
Unfortunately you are not covered for cancellation, cutting your trip short, or trip disruption costs. However, in the unlikely event that you cancel your trip prior to travel and are unable to recover any pre-paid costs from your travel provider, and can provide evidence of this, Insurers suggest that you contact the claims handlers who will assess the information available and will consider claims for irrecoverable costs on a case by case, individual merit basis.

All Policies purchased prior to 16th March 2020 and those purchased from 3rd July 2020 do cover emergency medical expenses (Section B) connected with the coronavirus including your compulsory quarantine costs due to medical reasons (not an area/regional lockdown), emergency medication supplies, while you are abroad, provided that you are not travelling against the advice of your local Government authority, or for UK residents the FCDO. You must always tell the 24 hour Emergency Medical Assistance Service as soon as possible if you suffer injury, illness or disease which requires hospital admission. They will then assist and authorise necessary treatment.

Please see Coronavirus and your cover for more information.

What if I am put in compulsory quarantine?

All Globelink policies purchased prior to 16th March 2020 and those purchased from 3rd July 2020 cover necessary emergency medical expenses as a result of unforeseen injury, illness, disease and/or your compulsory quarantine for your own medical condition (not area restrictions). You must always tell the 24 hour Emergency Medical Assistance Service as soon as possible if you suffer injury, illness or disease which requires hospital admission or compulsory quarantine. They will then assist and authorise necessary costs.

Please see Coronavirus and your cover for more information.

Can I cancel my insurance if I don’t want to travel because of the coronavirus?

You have the right to cancel and get a full refund up to 14 days from the date you purchase your insurance provided that you haven't travelled (or in the case of Single Trip policies, cover has not already commenced), and no claim has been made. In these exceptional circumstances we will also assist by amending your insurance dates wherever possible if you wish to travel at a later date. Please email globelink@globelink.eu. We recommend you always check your local government authority website or WHO travel advice when choosing your destination and keep an eye after you’ve booked, as the situation may change.

Any more questions email us on globelink@globelink.eu or call +357 240 30337.

Please see Coronavirus and your cover for more information.

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