People often don’t realise that it’s important to have travel insurance cover from the moment they book a holiday so - at the risk of being pushy - if you haven’t organised it already, please do so now. Then you’ll be protected if anything happens between now and your departure date.
We’ve partnered up with Campbell Irvine to offer our clients a high-quality premium travel insurance policy. There are cheaper products on the market and even some free policies provided through bank accounts. These policies often don't offer adequate coverage.
Note that if your trip costs more than £5000 per person and you wish to be covered by Campbell Irvine in full against a late enforced cancellation, you'll need to call them to arrange an individual policy.
For the provision of travel insurance, EXPERIENCE TRAVEL GROUP Ltd. is an Introducer Appointed Representative of Campbell Irvine, who are authorised and regulated by the Financial Conduct Authority whose status can be checked on the FCA Register by visiting www.fca.org.uk or by contacting the FCA on 0845 606 9966. Campbell Irvine is able to provide you with a range of travel insurance products which you are able to review on their website and decide which product meets your requirements.
To review the range of travel insurance products available and buy online please click on this link: https://www.campbellirvinedirect.com/ExperienceTravelGroup/
Beyond providing this information, we are not allowed to assist you in any way in the arrangement of your travel insurance or give any advice. If you would like any further information about their services, you should contact Campbell Irvine as follows.
Campbell Irvine Direct, 308314 London Road, Hadleigh, Essex, SS7 2DD. Telephone: 020 7938 1734. Email: [email protected]
Pre-Departure Medical Screening Helpline: 01702 427 237
FREQUENTLY ASKED QUESTIONS
Can I get adequate Travel insurance with Covid cover? Are there additional difficulties and what do I need to look out for?
A survey of over 1000 customers in January and February 2021 showed that travellers have major concerns regarding the availability of Covid-inclusive travel insurance. This is understandable, as the travel insurance market briefly came to a halt in 2020 following the worldwide shutdown of international travel. Subsequently, travel insurance providers have introduced new policies and added various levels of COVID-19 related cover.
As travel insurance is a critically important part of booking a holiday, especially during the pandemic, we thought we’d try to help answer some of your questions. These are genuine questions asked by customers on the phone or at our recent Travel Forecast webinar. Please note that we do not sell travel insurance; we simply want to provide you with the best information to make your own decisions.
Can I still get the travel insurance that I need after the COVID-19 crisis?
Yes, with a few qualifications given below, there is insurance available to cover any holiday to any destination (so long as the FCDO are not advising against travel). If you have an annual policy we strongly suggest checking with your provider that the below is included or can be included. In particular annual policies might not cover cancellation if you booked your trip pre any sort of traffic light system or if your destination was on the red or amber list at the time of booking.
As a tour operator, we do not sell travel insurance ourselves. However, there are lots of options now available which do offer Covid/pandemic cover. The following recommendations meet our minimum requirements for Covid-cover which you should look for in any travel insurance offering going forward, beyond the basics of good travel insurance cover.
-Coronavirus-related emergency medical cover and repatriation
-Cancellation cover if you are diagnosed with coronavirus before you depart
-Cover for cancellation due to self-isolation if you have been instructed to self isolate prior to departure
-Cover for quarantine in-country if you test positive whilst away.
What happens if there is a future lockdown? Will I be covered by my travel insurance policy?
No, apart from the HSBC and Barclays policies mentioned above there are no other policies that will cover against a future lockdown. If it is illegal for you to get to the airport, then your travel provider will most likely offer you a full refund (provided they are regulated by the Package Travel Regulations – when elements are booked separately (eg when DIYing your holidays), there is not this level of protection). It is worth noting that Experience Travel Group (and some other travel companies) go well beyond this in offering to refund the bulk of your money for any Covid related reason.
What is the relationship between FCDO advice and Quarantine?
In theory, quarantine should not affect the FCDO advice at all. The purpose of the FCDO advice is to provide advice to travellers on the relative safety of visiting a given destination. This is calculated by examining the risks locally and offsetting those against the perceived ability of the local political and health systems to mitigate those risks. The quarantine programme instead reflects the threat to the public health in the UK of travellers importing Covid and any new variants, which is not in the FCDO remit.
Secondly, it is worth noting that there is no statutory connection between FCDO advice and travel insurance or the requirement of travel companies to provide a refund. Nonetheless, that has become the accepted practice.
Our assessment is that quarantine will not affect FCDO advice. We certainly believe that it should not affect it as the FCDO should stick to their remit and assess the risk to the traveller. If a traveller has been vaccinated, it would seem (albeit the jury is still out on this) that there is little to no personal risk from travelling to that destination. Whether there is a risk to public health is a different calculation.
The issue is partly solved by the fact that most travel companies would offer a full refund if full hotel quarantine was imposed on a particular destination. The situation is yet to be tested in law, but I suspect that the courts would insist that a travel company bound by the Package Travel regulations offered a full refund.
That does leave open the possibility (however remote) that quarantine could be imposed on a destination while someone is on holiday.
Can I get travel insurance for travel to a destination where the FCDO is advising against all but essential travel?
In ‘normal’ times, this is quite possible, though generally, it carries an additional premium and an exclusion for the cause of the advisory. Currently, this is much more difficult, though Battleface has a policy that offers cover to those looking to travel against FCDO advice to those aged 59 and under and Staysure have one for European destinations.
If I booked for 2020 and then postponed my trip to a future date due to the pandemic, will my original travel insurance policy still provide cover?
Yes, it almost certainly will do so (though as always, please do check with your insurance provider). It is the same booking and however long it gets postponed, it will remain the same booking. For that matter, the booking is still protected by ATOL and the same ‘ATOL certificate’ is valid for the amended booking (though we are happy to re-issue a certificate to reflect the new dates).
What difference do you think there will be in getting insurance in a post-pandemic world?
Ultimately, there will probably be very little difference in getting insurance as the market settles down. We are not there yet (at the time of writing) and large parts of the insurance market appear to be adopting a ‘wait and see’ approach, but once the demand is there again, the market will find a way to deliver a solution.
What is the probable situation for the availability and cost of travel insurance now, especially for over 70s?
The reinsurance market does not regard clients catching COVID-19 on holiday as a significant risk, and therefore it will not add to premiums in any significant way. During the outbreak last March, there were very few claims associated with people contracting COVID-19 whilst abroad.
The risk of contracting COVID-19 prior to a holiday and not being able to travel is likely to recede with the vaccination roll out and is thus also unlikely to add significantly to premiums in the longer term.
Currently, many of the cheapest travel insurance policies do not offer COVID-19 cover. However, it is debatable whether many of these policies offered sufficient cover anyway, particularly with respects to health and cancellation/disruption. As more people are vaccinated and demand comes back, we anticipate many of these policies returning to the market and their price stabilising.
At the moment, the cost of travel insurance for the over 70’s is higher than it was, but we suspect that with the return of demand for travel and mass vaccinations this will quickly return to normal levels. Those over 70 are unlikely to be seen as a higher risk category in terms of travel insurance by the reinsurance market.
TIPS FROM ETG
-Note that to get travel insurance quotes for holidays of higher value than £5k per person you often have to call the insurer rather than get a quote over the website. We suggest calling anyway for more specific requests and questions – the service tends to be much better over the phone.
-If you have booked a holiday that costs more than your existing travel policy cancellation limit you won’t get all your money back if you have to cancel your trip.
-Thus we recommend contacting a broker for a specialist policy or you could look at someone like Top Up My Cover Cancellation to get your travel insurance topped up.
-However you do not need to pay for a higher insurance amount until you have paid more than you are already covered for - eg in most situations flights plus 25% is less than £5k per person – so the balance due date is when they need full cover in place.
-Campbell Irvine specialise in arranging travel insurance to destinations anywhere in the world including those against government and FCDO advice. Please call them to discuss this.