most travel insurance policies available on albert & eddieoffer some form of cover against Covid-19 within their policies. however, there is no ‘one-size-fits-all’ when it comes to coronavirus protection, or travel insurance in general, so it’s important to let us know about the type of holiday you’re planning and the specific cover you need so we can match you with the most suitable policies.

while most brands on albert & eddie will provide cover for any emergency medical expenses related to Covid-19, some have more specific protection that covers a range of different scenarios that travellers could find themselves in. for example, some of our brands offer cancellation cover if you test positive for Covid-19 before your trip and have to isolate, so are no longer able to go on your trip.

some of our brands on albert & eddie also offer policy extensions that come with enhanced cover against the risks posed by Covid-19, such as protection for additional accommodation and transportation expenses if you test positive for Covid-19 while on holiday and have to isolate abroad. if you are concerned about Covid-19, it’s definitely worth considering policy enhancements when looking for cover that matches your travel needs.

unfortunately, most travel insurance policies across the market do not generally cover you to travel against the FCDO’s guidance. plus, anyone who ignores the guidance risks voiding their travel insurance policy meaning they might not be covered if something was to go wrong while abroad and later had to make a claim. this is because travellers generally have financial protection for such events elsewhere. for example, if the FCDO were to suddenly advise against travel to a particular destination, in most cases, tour operators would have to cancel any upcoming trips and airlines would have to suspend flights. in this scenario, you would be able to ask the holiday provider for a full refund or ask to move your holiday to a later date. if for some reason you were unable to get your money back through your tour operator or airline, you are also able to claim your money back through your bank or credit card provider.

if your cancelled flight is part of a package holiday (where you have bought the flights and accommodation together), then you should contact your tour operator for a refund as they are responsible for providing you with a full cash refund under the Package Travel Regulations Act. if, however, you booked your flight separately, then you should contact the airline directly as they are responsible for either providing you with an alternative flight, offering you a refund or providing you with vouchers to use at a later date. again, if you are not able to get back the money or come to some sort of agreement, you can claim your money back through your bank or credit card provider, as long as the cost of the flight was over £100.