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Keyword Do insurance companies cover COVID-19 cases?
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Result 1
TitleDo insurers have COVID-19 covered? - KPMG Global
Urlhttps://home.kpmg/xx/en/home/insights/2020/03/do-insurers-have-covid-19-covered.html
DescriptionWhat are the implications of COVID-19 for the insurance industry? And what longer-term trends might the outbreak serve to usher in for the future
Date
Organic Position1
H1Do insurers have COVID-19 covered? Do insurers have COVID-19 covered? Do insurers have COVID-19 covered?
H2KPMG Personalization
Notice of updates !
Hi !
Hi !
H3Laura J Hay
Connect with us
Stay up to date with what matters to you
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BodyDo insurers have COVID-19 covered? Do insurers have COVID-19 covered? Do insurers have COVID-19 covered? What are the implications of COVID-19 for the insurance industry? And what longer-term trends might the outbreak serve to usher in for the future. What are the implications of COVID-19 for the insurance industry? Share 1000 Save Go to bottom of page Share close Home › Insights › Do insurers have COVID-19 covered? The Covid-19 coronavirus outbreak that began in China towards the end of last year has now become a global pandemic. Although it now appears to be slowing in China, the spread of the disease is accelerating elsewhere, with the World Health Organization recently describing Europe as its current `epicentre'. Governments are reacting in ever more dramatic ways, closing borders, imposing lockdowns and travel restrictions, shutting schools and colleges, and banning mass gatherings such as sporting events. The way the crisis will run from here cannot be known. But alongside the tragic human toll, it is already having considerable economic impacts, posing major challenges to the global supply chain and certain business sectors such as airlines, travel and leisure, and causing significant stock market volatility and some precipitous falls. Central banks including the US Federal Reserve and the European Central Bank (ECB) have responded by cutting interest rates. The ECB has expanded its quantitative easing program to make more liquidity available and the Fed could follow suit after the US joined many other countries in declaring a `national emergency'. A crisis such as Covid-19 affects all business sectors  - but it especially puts a spotlight on insurers who can expect to be inundated with general inquiries and claims across multiple different lines, whether that be for health, life or non-life cover.  Balancing the need for responding to this influx of activity in the contact centres with a quickly shifting remote workforce is an area that insurers are working to address. Of course, countries are at different stages of coronavirus activity.  So, how is the insurance industry likely to shape up to the unfolding crisis? What are the implications across the different segments of the industry? And what longer-term trends might the outbreak serve to usher in for the future? Limited exposure for General Insurers? Starting with non-life or general insurance first, I expect the impact on claims to be relatively manageable. Most insurers learned the lessons from the SARS outbreak of 2003 and introduced exclusion clauses for communicable diseases and epidemics/pandemics into most non-life products such as business interruption and travel insurance.  Business interruption policies usually pay out only if physical damage occurs to an organization's assets or operations  - so coronavirus related claims may not be covered, but there is potential for future disputes on this issue. Travel insurance, meanwhile, may offer cover if a customer is diagnosed with the virus before or during their trip  - but not for travel that is cancelled because of the pandemic, unless a customer has taken out premium `any cause' cover, which very few have.  Of course, interest in `premium' policies could change in a world after COVID-19. Event cancellations may cause greater losses to insurers as some large events (but certainly not all) have policies that may cover them even for epidemics or pandemics. The largest event taking place this year is the Tokyo Olympics where analysts estimate approximately $2bn of coverage.    It is likely that the reinsurance sector will bear some of the brunt here, as insurers claim back the costs of cover from them over a certain threshold. One major global reinsurer, for example, has been quoted as having exposure of over 500 million euros should all events covered for pandemics be cancelled. However, there are two potentially big areas to watch for non-life. Firstly, trade credit insurance, covering businesses against debts that cannot be paid by their customers or suppliers. This is an $11bn global market  - and if increasing numbers of companies go out of business due to coronavirus impacts, insurers could face rapidly spiralling claims. There are particular concerns that, alongside some big corporates in acutely affected sectors, SMEs in many markets could be hit hard due to supply chain disruption and a crunch in business levels. The cost of this may very much depend on just how bad the pandemic becomes, the extent to which containment measures affect different kinds of businesses, and how long it lasts. The second area is workers' compensation claims. We could see spikes in workers claiming they were not adequately protected by their employers against exposure to the virus brought about by their normal working duties. It is impossible to know at this stage how significant such claims could become. But insurers offering this type of cover to employers may need to brace themselves, depending on how things develop. Finally, the volatility and falling interest rates within the financial markets will likely impact general insurers from an earnings and solvency perspective.  The impact is likely to be greater for life insurers and therefore is addressed in more detail below.   A mixed diagnosis for Health Insurers The impact on health insurance is hard to determine at a global level because the impacts will be very different country by country. This is both because the number of actual cases and deaths could vary greatly between countries/regions, and because of the varied make-up of health coverage itself. In some countries, such as the US for example, most healthcare is privately provided (except for the elderly where Medicare plays a big role), while in others, such as Europe and Canada, there is much higher public provision.  In Asia, the national health systems are often immature and there is much private coverage. The key issue currently in most countries is to enable rapid testing of individuals, particularly people in vulnerable populations such as the elderly or those with underlying health conditions, especially compromised immune systems. In most countries, this testing is free (provided by governments) or the costs are being waived by healthcare providers and/or health insurers. Free treatment, however, is not universal and these costs can be substantial.  As yet, we simply do not know what the ongoing treatment requirements and eventual mortality or morbidity rates from the coronavirus will be and therefore what the cost might be for health insurers.  However, I believe that the crisis may have a number of long-term (positive) effects on the sector. Firstly, as the pressure on health services rises due to the sheer number of patients, we are likely to see a rise in telehealth services, offering consultancy to patients via phone or online video services. This could have constructive long-term effects, helping healthcare reach more remote and less affluent populations including the under- or un-insured. Making healthcare more available and accessible means that, in some small way, societies may benefit from learnings and actions taken during COVID-19  Secondly, the very pandemic itself may cause more people to reconsider their individual health insurance needs. In the wake of the SARS epidemic, for example, we saw a temporary spike in critical illness policy sales in Asia. We may see a similar phenomenon post-coronavirus, with rising sales of health insurance, critical illness and even life cover across the world. Market volatility creating more difficulties for Life & Retirement Insurers Of all insurance segments, it is life insurers who are facing the most difficult challenges.   The industry is closely monitoring the potential impacts on mortality rates, however, we expect that life insurers may also feel significant impacts due to what is happening in the financial markets.  Because of the long-term assets and liabilities that life insurers hold, market volatility is always challenging for the sector  - and we have seen extreme volatility in recent weeks. Major exchanges around the world have experienced some of their worst falls in decades, even if ground has later been made up again. Movements in equities, interest rates and credit spreads create tremendous asset liability management risks for life insurers as yield curves flatten. Globally, life insurers manage more than $20 trillion in assets and as much as half of this is estimated to be in government bonds. But the yields from these have fallen dramatically  - US 10 year bond yields have more than halved since the end of 2019 for example.   The crisis also puts pressure on non-Government bonds which may cause credit concerns and may lead to an increase in bond downgrades. In addition to this, as noted earlier, central banks have been slashing interest rates. We were already in a low interest rate environment  - which is always difficult for insurers in general, but especially for life insurers - now rates are heading down even further (possibly below zero in some countries). Legacy businesses or products that are highly sensitive to market variables such as variable and fixed annuities, long-term care insurance and universal life insurance are likely to feel the effects more deeply.  All of these factors can result in solvency ratio challenges. Prior to this COVID-19, much has been said about the industry being well-capitalized and so insurers may be starting from a position of strength as it relates to capital. However, risk-based capital approaches vary widely by country which impacts how reactive the ratios are to current market conditions. For example, the EU's Solvency II regime is very sensitive to financial market volatility and movements in bond yields and credit spreads. Other capital approaches could be sensitive to bond downgrades. As a result, insurers will need to closely monitor solvency ratios in order to meet economic, regulatory and rating agency capital requirements. The sector will be hoping that the pandemic blows itself out before long. Otherwise, if market volatility continues and fluctuations persist, they may need to reassess their investment portfolios and exposures to potentially reduced investment earnings as well as protecting capital/security for policyholders and key stakeholders. Be Cautious about the cost-cutting response Clearly, this year could prove to be a difficult one for many insurers given the predictions of the economists, some of which are saying that a “U” shaped or even a “W” shaped recovery pattern may be more likely now (as opposed to “V” shaped). Early questions are starting to emerge around possible recessions around the world. Why? We've seen such varying virus containment efforts which dramatically impact consumption levels on a local level and therefore impact speed to recovery. Expectations vary on the long-term impacts; no one can be entirely sure.  While it is tempting for insurers to suspend investment and cut costs in such a challenging financial year, I believe the crisis creates an incentive for them to do the reverse  - continue to invest in how they operate and create a more agile, digitally-enabled business. In other words, now more than ever insurers should keep investing forefront in their minds so that they can be prepared for the future. By this I mean firstly embracing the flexible and remote working that will be needed across all sectors due to the virus, insurance included. The crisis provides the opportunity for insurers to test and ensure that their businesses have sufficient connectivity to support more staff working off-site and in flexible ways  - now, and for the future too. What this means today is that management teams should be rapidly assessing operational areas with high concentrations of human capital support  such as call centers, claims, shared service centers, etc. to determine the impact. Business disruption or resiliency plans are being tested, stressed and in some cases derived.  This is especially true in areas where there is a lack of digital workflow tools, limited virtual or mobile work station capabilities or unscaled communication technology.  These traditional methods are often used for completing moderate to more complex processing activities that require a team approach to resolution.  This situation is allowing for a significant shift in the adoption rate of new ways of working, including the supporting technology, which may change the ways organizations are run post crisis. Speaking of technology, the crisis could also be the spur to look at moving more systems and applications to the cloud  - an area that insurers have lagged other sectors in. With more people working remotely, having systems in the cloud offers much greater bandwidth and capacity than if staff are accessing on-premise servers remotely. This is an opportunity for the insurance industry and could be the catalyst for this movement. Actuarial modelling software, for example, often sits on individuals' computers, as there are deemed to be security issues with putting it in the cloud. But with today's cloud services offering enhanced security protocols, perhaps the time has come for more of the industry to make the move.  More broadly, insurance businesses  - as other sectors  - need to embark on the digital transformation of their organizations, to become more agile, responsive and connected enterprises. Perhaps one legacy of the coronavirus crisis could be that it actually propels more insurers to do that. These are extremely challenging times for individuals, families, businesses and indeed whole societies and economies. The insurance industry has a key role to play in supporting customers and societies through the crisis and the recovery. Laura J Hay . Global Head of Insurance KPMG International Email Connect with us . Find office locations kpmg.findOfficeLocations Email us kpmg.emailUs Social media @ KPMG kpmg.socialMedia Stay up to date with what matters to you . Gain access to personalized content based on your interests by signing up today Sign up today Welcome  . Browse articles,  set up your interests, or Learn more. Dashboard Welcome  . You've been a member since Dashboard Implications of COVID-19 for Insurers Implications of COVID-19 for Insurers Responding to challenging times. Responding to challenging times. Insurance Insurance Helping the world’s largest insurers dealing with regulatory changes, operational pressures and demands to digitize, prepare for the future. Helping the world’s largest insurers dealing with regulatory changes, operational... close
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Result 2
TitleCoronavirus travel insurance: who will cover me? – Which? News
Urlhttps://www.which.co.uk/news/2021/12/coronavirus-what-it-means-for-your-travel-insurance/
DescriptionFind out how to get the best policy for 2021 and beyond
Date20 Dec 2021
Organic Position2
H1Coronavirus travel insurance: who has the best ‘Covid cover’?
H2News
Find out how the Omicron variant could affect your insurance
What does Omicron mean for insurance?
Will my holiday firm refund me?
Which policies have the best coronavirus cover?
What should I look for when I’m buying travel insurance?
How can I make a claim?
Can I claim on insurance if I’m offered rebooking vouchers?
H3‘Covid cover’ confusion
H2WithAnchorsNews
Find out how the Omicron variant could affect your insurance
What does Omicron mean for insurance?
Will my holiday firm refund me?
Which policies have the best coronavirus cover?
What should I look for when I’m buying travel insurance?
How can I make a claim?
Can I claim on insurance if I’m offered rebooking vouchers?
BodyCoronavirus travel insurance: who has the best ‘Covid cover’? Find out how the Omicron variant could affect your insurance. By Ian Aikman 20 Dec 2021 Share this page . Share on Facebook Share on Twitter Share by email Travel plans have been turned upside down as countries continue to tighten border controls in the face of the Omicron variant. The UK government has removed all countries from its travel ‘red list’, meaning trips to the nations that were on it previously are once again allowed. But rules for all travellers arriving in the UK – including residents returning from holidays – remain stricter than they were last month, with pre departure tests and day 2 tests required. On top of this, nations around the world – including some of the UK’s closest neighbours – are changing travel requirements for foreign visitors in a way that could affect your journey. Recently both France and Germany have dramatically restricted travel from the UK. Here, we explore the kind of cover you’ll need for any potential pandemic-era holiday, and the insurers that provide it. Find the answers to your questions by clicking the links below: What does Omicron mean for travel insurance? Will my travel provider refund me first? Who has the best Covid cover? What should I look for when I’m buying travel insurance? How can I make a claim? Can I claim on insurance if I’m offered rebooking vouchers? What does Omicron mean for insurance? You’ll need to check entry requirements for any country you’re planning to visit. Some nations, such as France and Germany, are specifically restricting travellers from the UK due to its high case numbers. So far Israel, Japan and Morocco have closed their borders to tourists entirely. Other countries now have stricter testing rules. If you’re now required to quarantine upon arrival, you likely won’t be able to cancel and claim on your insurance, though you may be able to postpone your trip if your travel provider is flexible (see below). Then there’s the risk you might come into contact with someone who has caught the Omicron variant. At the moment, even if you are vaccinated, you’ll need to isolate for 10 days. With cases on the rise, you might be more likely to catch Covid yourself. This would also require you to self-isolate. In either of these cases, there are some insurers who will consider cancellation claims. But not every insurer will, so check policy details carefully before you buy. Find out more: where can I go on holiday without quarantine? Will my holiday firm refund me? Before you claim on your travel insurance, you’ll first need to check if you can get a refund from your travel provider. Or, if you’ve booked the flights and accommodation yourself, you’ll need to seek refunds from them before contacting your insurer. Sadly, the pandemic has shown that not all holiday firms play by the rules when it comes to refunds. Many firms have rapidly refunded customers for cancelled trips, but others have hung onto cash for months, and in some cases broken the law. Nearly half of firms made our Green category for having rapid refunds and no-quibble cancellation policies. Among these were Which? Recommended Providers (WRPs) Jet2 Holidays, Kuoni and Hays. Only a handful of companies made the Green+ list, including WRPs Explore and Exodus. To make this category, Green-rated firms also need to refund those unable to travel because NHS Test and Trace has told them to isolate. As for the other firms we looked at, one in five were classed as Amber – for following legal obligations but nothing more – and three in ten were Red. Firms with this rating might stall or pass the buck on refunds, while others weren’t transparent about their terms and conditions – a major problem for would-be travellers. Which policies have the best coronavirus cover? From possible winter restrictions to getting sick, there are still dozens of ways the pandemic could wreck your holiday, even if you’ve been vaccinated. Thankfully, there are some insurers who offer protection for all or many of these. We reviewed hundreds of policies earlier this year, sorting them into four categories based on the strength of their Covid cover. From weakest to strongest these are: Basic For policies providing emergency medical cover and repatriation for coronavirus while you’re away. Low Insurance that covers unrecouped costs from cancelling your holiday if you’re diagnosed with Covid-19. Superior Policies that cover cancellation if you’re told to self-isolate without testing positive yourself, for example if you receive a test and trace notification via the NHS app. Complete Our highest rating. Complete policies cover you for cancellation if you can’t travel due to changes in FCDO advice or because of a lockdown. We know of just five policies that meet the criteria for our Complete rating. These are from Barclays, Churchill, Direct Line, HSBC and Nationwide. You can read our Nationwide travel insurance review here. The policy is available as part of its FlexPlus packaged account, which costs £13 a month and comes with other benefits. The Barclays Travel Pack add-on is for current account holders, and HSBC’s Select and Cover is available to current account, savings account, mortgage and credit card customers. You’d be eligible for HSBC’s travel insurance if you opened an Online Bonus Saver account with a minimum of £1. Direct Line Group, which also provides the Churchill and Nationwide policies, told Which? that its recent increase in cover was intended to ‘give customers back their freedom’ and support the travel industry’s recovery. All readers can find a breakdown of different policies’ Covid cover levels on our best and worst travel insurance page. We’ve also given each of them a policy score, based on their wider cover, including for non-Covid related incidents. Which? members can log in to see these on the same page. Find out more: best and worst travel insurance Find out more: best travel insurance if you have a medical condition ‘Covid cover’ confusion. When we surveyed 2,800 travel insurance customers between February and March 2021, there was a gulf between what they thought was covered and the likely reality. Around half of respondents thought they would be covered for cancellation in the case of another lockdown, or if the FCDO changed its advice on travel to their destination. In reality, we only know of five policies that would cover this. On the other hand, only half of respondents thought they were covered for medical treatment if they caught Covid-19 overseas (the equivalent of our Basic rating), when in fact every insurer we analysed offered at least this much protection. To address this disconnect between what customers think is insured and what insurers actually cover, we urged travel insurance providers to be clear about Covid-cover terminology, and to clearly outline what is and isn’t covered on their websites. Our findings inspired the FCA to write to over 1,000 travel firms to remind them of their obligation to ensure customer communications are ‘clear, fair and not misleading’, particularly around ill-defined terms like ‘coronavirus cover’ and ‘enhanced Covid-19 cover’. Find out more: best and worst travel insurance What should I look for when I’m buying travel insurance? When searching for a policy, make sure you look for the following things: Coronavirus medical and repatriation cover To cover you if you’re infected when you’re away. Coronavirus cancellation cover You’ll need this if you want to be able to claim on insurance for refunds if Covid stops you travelling for any reason. Our ratings will tell you how much Covid cover an insurer has. Scheduled airline failure insurance (SAFI) To cover you if your airline goes bust. Excesses This is what you’ll pay towards what your insurer pays out. You’ll need to be able to afford them if you’re claiming. Which? recommends getting the following levels of cover: Emergency medical cover £5m worldwide Cancellation, curtailment and missed departure £2,000 or the value of your holiday Personal belongings and money £1,500 Personal liability £1m Find out more: flight cancellations and compensation How can I make a claim? The pandemic has left thousands of holidaymakers out of pocket. If you had a trip booked that you now can’t take, you might need to make a claim yourself. Insurers will only pay out for costs that can’t be refunded by travel or accommodation providers, so you should get in touch with them first. If you approach insurers with a claim before exploring the refund route, they will want you to do that before you can progress further. Next, make a list of all the non-refundable costs you want to claim for. Not just hotels and flights, but transfers, tours and excursions. After that, you’re ready to contact your insurer. We’ve gathered the claims numbers for more than 40 travel insurance providers in the table below. Click the name of the insurer to see our review of its service and find more details about how to make a claim. If we don’t have a review, contact your insurer directly for more information. Find out more: claiming on your travel insurance Can I claim on insurance if I’m offered rebooking vouchers? If you accept vouchers or refund credit notes (RCNs) as compensation, you can’t claim for cash from your insurer as well, as this would be a double claim. Legally, you should be able to reject vouchers and get cash refunds instead, but many holiday firms have ignored this rule. Your insurer will likely advise you to pursue this legal right if you’re in this situation. The ABI told us: ‘Where travel operators have a legal obligation to refund customers, insurers expect them to honour that legal agreement. Insurance cancellation cover kicks in when no other safety net is available.’ After campaigning from Which?, the government confirmed that RCNs will be covered by the travel industry’s Atol scheme. This means if you accept an RCN and your holiday provider goes bust, your money will be protected. If you’re not offered a cash refund by your travel operator, and you don’t want to accept an RCN, Which? believes banks should refund customers under Section 75 of the Consumer Credit Act 1974, for purchases by credit card of more than £100, or through the chargeback scheme for other purchases. Banks don’t always accept these claims, but card issuer Mastercard has confirmed that chargeback is valid in these cases. Find out more: claiming from your bank for coronavirus holiday and event cancellations This story was originally published on 25 February 2020 and has been updated since then. The latest update was to reflect the Omicron variant and was published on 20 December 2021. Additional reporting by Dean Sobers. Share this page . Share on Facebook Share on Twitter Share by email Share this page . Share on Facebook Share on Twitter Share by email Back to top Back to top
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TitleCOVID-19 and Insurance: What You Should Know | William Russell
Urlhttps://www.william-russell.com/blog/coronavirus-covid-19-what-you-need-to-know/
DescriptionFind out how COVID-19 and having a vaccine are affecting your life, health, travel and income protection insurance
Date2 Dec 2021
Organic Position4
H1COVID-19 & Insurance: What You Need to Know
H2What do you need to know about COVID-19 and insurance?
Will your life insurance policy be void if you take a COVID vaccine?
Does the COVID-19 vaccine affect my life insurance policy in the UK and globally?
Life insurance and the COVID-19 vaccine in the UK
Can I get a life insurance cover after a COVID-19 vaccine?
Will you pay out on a life insurance policy if I die from coronavirus?
Should I have life insurance during Covid?
Other questions about COVID-19 and life and income protection insurance
Coronavirus and international health insurance
Coronavirus and international travel insurance
Coronavirus – other questions
Peace of mind when you go overseas
Related articles
H3Does my life insurance cover a COVID-19 vaccine?
What about international life insurance and COVID vaccine in the UK and Australia?
Does my international life insurance cover COVID-19 and pandemics?
Can I get life insurance if I’ve had coronavirus?
Does income protection insurance cover COVID-19?
Will you pay out on a global income protection insurance plan if I am off work as a result of coronavirus/complications?
Can I buy a new policy if I have coronavirus?
Am I covered regardless of how/where COVID-19 was caught?
Does my health plan cover COVID-19?
Does health insurance cover COVID vaccine side effects?
Does my health plan cover me while I am travelling?
Can I buy a health insurance policy if I have coronavirus?
Can I renew my health insurance policy if I have coronavirus?
Does health insurance cover COVID vaccine side effects?
Does my health insurance plan cover COVID-19 tests?
Does my private health plan cover COVID-19 vaccination costs?
Does my private health plan cover treatment for the side effects of a COVID-19 vaccination?
Am I still eligible for the hospital cash benefit if I am admitted to a public or government hospital, with COVID-19?
Can I still get an emergency medical evacuation if I cannot be treated locally?
Am I covered for consultations made over the phone or video link during the pandemic?
Does my international health insurance policy cover admission to hospital for COVID-19 treatment?
Am I covered if I’m told I have to quarantine?
If I have a travel plan, can I claim for cancellations of travel arrangements?
Will there be COVID vaccine passports in place to travel?
Which destinations are open to travelers vaccinated against COVID-19?
Can I travel after being vaccinated against COVID-19?
What are the Covid-19 travel restrictions and quarantine rules?
Is my cover affected because COVID-19 is a pandemic?
What if I can’t afford my insurance payments due to coronavirus?
Are William Russell offices open during the pandemic?
Is William Russell still issuing new plans?
Who should I call if I have questions?
What is coronavirus?
What are the symptoms of COVID-19?
How does COVID-19 spread?
What can I do to protect myself against COVID-19?
The Most and Least Stressed Cities in the World
5 Safest Countries in the World for Expats in 2022
Which Countries Have the Best Healthcare in the World?
Best Countries in the World for Brits after Brexit – Moving Abroad from UK
H2WithAnchorsWhat do you need to know about COVID-19 and insurance?
Will your life insurance policy be void if you take a COVID vaccine?
Does the COVID-19 vaccine affect my life insurance policy in the UK and globally?
Life insurance and the COVID-19 vaccine in the UK
Can I get a life insurance cover after a COVID-19 vaccine?
Will you pay out on a life insurance policy if I die from coronavirus?
Should I have life insurance during Covid?
Other questions about COVID-19 and life and income protection insurance
Coronavirus and international health insurance
Coronavirus and international travel insurance
Coronavirus – other questions
Peace of mind when you go overseas
Related articles
BodyCOVID-19 & Insurance: What You Need to Know Home›Blog›COVID-19 & Insurance: What You Need to Know Inez Cooper Managing Director & Co-Founder 2 Dec 2021 It has been more than a year since the UK marked the first coronavirus lockdown announcement. To this day, the coronavirus situation is constantly changing around the globe, so many individuals and businesses impacted by COVID-19 are looking to insurance to help them through this difficult period. William Russell has paid out almost US $156,000 on 54 Covid related claims in 26 countries across all continents with the exception of Antarctica. Does health insurance cover COVID vaccine side effects? Is international life insurance void during a pandemic? Can you get life insurance after receiving a COVID vaccine? To answer these and other questions, we take a look at some of the most popular queries related to insurance policies in the UK and around the world. We are here to help by answering questions about the coronavirus pandemic and its impact on our insurance plans. This article will cover COVID-19 and COVID vaccine impact on: 1/ Life and income protection insurance 2/ Health insurance 3/ International travel insurance Coronavirus – other questions   Update 29/11/2021: The coronavirus situation is constantly changing, so please check back for updates to this information. What do you need to know about COVID-19 and insurance? When COVID put our lives on hold, there were many people concerned about what protection they had available for them and their families should the worst happen. The insurance industry itself has been quick to respond: according to Deloitte, private health services in some countries are being used to help with the coronavirus effort. As we continue to adapt to the situation, we’re still committed to giving people access to insurance and to paying all valid claims. If you’re wondering how your policy might be impacted by coronavirus, here are answers to the most commonly asked questions we received up to date. Will your life insurance policy be void if you take a COVID vaccine? The Association of British Insurers (ABI) is warning about false claims that suggest having the Covid-19 vaccine will void life insurance policies. There were a lot of rumours online in May 2021 speculating with a fake document purporting to be from the insurer Allianz in Australia, but it has since made its way to UK policyholders. It has turned out to be a scam. We have seen a surge of scams during the pandemic; sadly, this one relates to a sensitive matter of Covid-19 and vaccines. The scammers might want you to fear the change in your policy, so you would handle them your sensitive personal information. If you come across a scam, you should report it to Action Fraud in the UK. And no, most likely COVID vaccine will not invalidate your life insurance policy. Looking for international life insurance? Get an online quote in under 60 seconds Does the COVID-19 vaccine affect my life insurance policy in the UK and globally? Life insurance can provide a cash lump sum in the event of your death, or if you become diagnosed with a critical illness whether or not you’ve had the coronavirus vaccine. Getting the jab will not have any implications on your level of cover, and your policy usually won’t be affected, however, you need to check with your provider. Life insurance and the COVID-19 vaccine in the UK. We have experienced an increase in our life insurance policies for expats over the past 12 months in the UK. There are no limitations on your plans relating to COVID-19 vaccines. Can I get a life insurance cover after a COVID-19 vaccine? Yes. Our underwriters would need to review the medical information provided on your application and any relevant reports, but having a vaccine would not prevent them from offering terms for a Life insurance policy. Will you pay out on a life insurance policy if I die from coronavirus? Yes, as long as you have complied with the terms and conditions of your plan, such as your premiums being up to date, and the information underwriting your life insurance application being correct. Should I have life insurance during Covid? Life insurance is a contract between you and an insurance company. Basically, you pay your premium payments and in exchange, the insurance company will pay a lump sum known as a death benefit to your beneficiaries after your death. How much life insurance you should carry is an individual choice and depends on a few factors. If you have financial dependents, you should consider how their lifestyles may change without your income. If you are unsure, the main things most people want to cover are: mortgages, loans and debts, critical illnesses, family expenses, income replacement any funeral costs. Other questions about COVID-19 and life and income protection insurance. Does my life insurance cover a COVID-19 vaccine? . Our Silver and Gold Health plans will cover vaccinations, as long as they are administered in the country in which you are resident and are approved for use by the health authority of that country. However, our Life insurance policies don’t offer reimbursement for COVID-19 vaccines. How to get a COVID vaccine as an expat What about international life insurance and COVID vaccine in the UK and Australia? . We have experienced an increase in our life insurance policies for expats over the past 12 months in the UK and Australia. There are no limitations on your plans relating to COVID vaccines. Does my international life insurance cover COVID-19 and pandemics? . Yes, it does. If you have a life plan from William Russell, you’re covered if you die as a result of infection by COVID-19 as you would be for any other viral infection. Most Popular Life Insurance Questions in the World Revealed Can I get life insurance if I’ve had coronavirus? . Yes, as long as you are fully recovered with no ongoing symptoms. We may postpone your policy if you have been hospitalised or have symptoms. Frequently asked questions on life insurance Does income protection insurance cover COVID-19? . If you have an income protection plan from William Russell, you’re covered if you’re totally unable to work for longer than the deferment period, as a result of an illness or injury. This would include an infection by COVID-19, provided you don’t have applicable personal medical exclusions on your certificate of insurance. Will you pay out on a global income protection insurance plan if I am off work as a result of coronavirus/complications? . Yes, as long as you have complied with the terms and conditions of your plan. Can I buy a new policy if I have coronavirus? . If you are currently experiencing COVID-19 symptoms, then we will not offer terms until at least one month after you have recovered and are back to good health. If you have been admitted to hospital due to COVID-19 or you have an underlying health condition then we will need to ask further questions regarding your symptoms, treatment, and recovery. Depending on the answers to these questions, there may be a further delay before we can offer terms. Am I covered regardless of how/where COVID-19 was caught? . There are geographical restrictions on some plans, you should refer to your plan agreement. If you have questions or concerns about your William Russell policy – call our friendly team on +44 1276 486 477 and they will be happy to help you. COVID-19 isn’t the only thing impacting expats Find out how Brexit is affecting expats in the UK and EU Coronavirus and international health insurance. If you have a health insurance policy, you’re probably wondering what cover you have for COVID. Here are the most commonly asked questions we’ve received about our health plans: Does my health plan cover COVID-19? . If you have a health plan from William Russell, you’re covered for the treatment of COVID-19 as you would be for any other viral infection. This is provided that the plan you have selected covers the treatment and you don’t have personal medical exclusions on your certificate of insurance that would apply. For example, if you have a personal medical exclusion for ‘respiratory conditions’ or any other condition that might be affected by Coronavirus, you wouldn’t be covered for the diagnosis and treatment of your excluded condition. Does health insurance cover COVID vaccine side effects? . If you have a Silver or Gold plan with William Russell, you will be covered for vaccinations under your vaccinations for adults or well-child benefit. The vaccine must be administered in your country of residence and must be approved for use by the health authority of that country. You will not be covered for vaccines received outside of your country of residence. Does my health plan cover me while I am travelling? . There are no changes to the cover provided while you are travelling. However, your ability to access services may be impacted by local conditions. Before you travel you should check that the plan you have selected includes cover in the countries you are travelling to. You should also check for limitations on cover and trip duration in case you need to extend your stay due to travel restrictions. Can I buy a health insurance policy if I have coronavirus? . If you are currently experiencing COVID-19 symptoms, then we will not offer cover until at least a month after you have recovered and are back to good health. If you have been admitted to hospital due to COVID-19, or you have an underlying health condition then we will need to ask further questions regarding your symptoms, treatment and recovery. Depending on the answers to these questions, there may be a further delay before we can offer terms. Get a quick quote online Can I renew my health insurance policy if I have coronavirus? . Yes, your right to renew your cover will not be affected if you have coronavirus. Does health insurance cover COVID vaccine side effects? . If you have a Silver or Gold plan with William Russell, you will be covered for vaccinations under your vaccinations for adults or well-child benefit. The vaccine must be administered in your country of residence and must be approved for use by the health authority of that country. You will not be covered for vaccines received outside of your country of residence. Does my health insurance plan cover COVID-19 tests? . If you need a private test, you may have cover for the cost of the test. Most testing programmes are run by national governments or local health authorities. To encourage maximum participation, tests are usually free. If you have a SilverLite, Silver or Gold plan and you have symptoms of COVID-19, you’re covered for out-patient costs related to investigation, testing, and treatment of COVID-19, provided these are prescribed by a doctor. These costs are covered even if the test result is negative. The normal plan terms and conditions on excesses and co-insurances apply. If you have a Silver or Gold plan and you’re not experiencing COVID-19 symptoms, you’re covered for the costs of a test under your well-being benefit. The normal plan terms and conditions on excesses, waiting periods, and co-insurances apply. Sometimes a hospital may include a COVID-19 test as part of pre-operation screening. This is also covered under all health plans. Does my private health plan cover COVID-19 vaccination costs? . Most COVID-19 vaccination programmes are run by national governments or local health authorities. This encourages maximum participation and ensures that the most vulnerable or at risk are vaccinated first. As a result, most vaccines are free. If you have a Silver or Gold plan with William Russell, you will be covered for vaccinations under your vaccinations for adults or well-child benefit. The vaccine must be administered in your country of residence and must be approved for use by the health authority of that country. You will not be covered for vaccines received outside of your country of residence. Does my private health plan cover treatment for the side effects of a COVID-19 vaccination? . Most COVID-19 vaccination programmes are run by national governments or local health authorities. This encourages maximum participation and ensures that the most vulnerable or at risk are vaccinated first. As a result, most vaccines are free. If you have a Silver or Gold plan with William Russell, you will be covered for the reasonable and customary costs of vaccinations that you cannot access for free, under your vaccinations for adults or well-child benefit. The vaccine must be administered in your country of residence or country of nationality and must be approved for use by the health authority of that country. You will not be covered for vaccines received outside of your country of residence or nationality, or for any travel costs associated with the vaccine. Am I still eligible for the hospital cash benefit if I am admitted to a public or government hospital, with COVID-19? . Yes. The hospital cash benefit is designed to reward members with COVID-19 or another condition who receive inpatient medical treatment at a hospital within a country’s public healthcare system. Usually, treatment at these hospitals is free for patients, or at least heavily subsidised. As no costs are passed on to us, we pass on some of the savings to our members. We’ll pay a cash benefit for each night you stay in a hospital as an inpatient, where no charge is made by the hospital and where the treatment costs would have been covered by your plan. Can I still get an emergency medical evacuation if I cannot be treated locally? . Our ability to evacuate members is being affected by the pandemic. This is due to international travel restrictions and the limited number of hospitals accepting new patients. We will do our best to get you the care that you need within these limitations. Whether your case qualifies for evacuation, where you will be evacuated to, and how you will be evacuated are at the discretion of our Assistance Service. You can contact the service on +44 1243 621155. More about emergency medical evacuation Am I covered for consultations made over the phone or video link during the pandemic? . As long as the face-to-face consultation would have been covered under your plan, then we’ll cover the same consultation that is carried out by telephone or video link. This applies for both COVID-19 and non-COVID-19 conditions. Many governments are encouraging people to stay at home to avoid spreading COVID-19 and overwhelming healthcare systems. In response to these guidelines, healthcare providers are giving consultations over telephone or via video link. . It’s best to get in touch with us if you have any questions relating to your plan and whether your consultation would be covered. Does my international health insurance policy cover admission to hospital for COVID-19 treatment? . If you’re admitted to hospital because you need medical treatment (including for COVID-19), you will be covered for as long as your admission and medical treatment are necessary and there are no personal medical exclusions applied to your policy. You’re not covered for admissions that are not medically necessary. You should contact us if you need to be admitted to hospital. Am I covered if I’m told I have to quarantine? . If you’re admitted to hospital with symptoms of COVID-19 that require medically necessary treatment in a hospital which can only be provided as a day-patient or inpatient, we can consider cover, subject to pre-authorisation. Admissions that are solely for quarantine purposes are not covered. Looking for health insurance plans? Coronavirus and international travel insurance. Whilst most international travel is restricted and carefully monitored in most countries globally right now, if you do need to travel here are some common questions you may be thinking of: If I have a travel plan, can I claim for cancellations of travel arrangements? . If you have a travel plan that begins or renews on or after 01/06/20, you won’t be covered for COVID-19. If your plan is still valid before this date, you can claim if you can’t travel for any of these reasons: injury or illness to you, a close relative, close business colleague, or travelling companion compulsory quarantine applying to you or your travelling companion a government regulation as a result of the pandemic that prevents you from travelling You can claim for the loss of irrecoverable deposits or payments for any unused travel and accommodation you have either paid for or have contracted to pay. Will there be COVID vaccine passports in place to travel? . There is a lot of conversation and debate around COVID vaccine passports at the moment in different countries. Just like a national passport, a vaccine passport could allow the bearer entrance to a venue, like a crowded concert, or a foreign country that demands proof of vaccination in addition to a visa and valid national passport. Learn more Which destinations are open to travelers vaccinated against COVID-19? . The situation is constantly changing. Doing your own research before a trip is important. As of 20/07/2021, the following destinations are now allowing vaccinated U.S. travellers to visit: Anguilla Bahamas Barbados Belize British Virgin Islands Croatia Cyprus Ecuador Estonia Republic of Georgia Grenada Guatemala Iceland Israel Montenegro Nepal Seychelles Tahiti In the UK, there is a ‘travel traffic light system’ in place. Read more about it here. Can I travel after being vaccinated against COVID-19? . COVID certification – including proof of a negative test – is already part of international travel in certain countries. The government in the UK now allows you to get an NHS COVID Pass. European Commission have started issuing a EU-wide Digital COVID Certificate (EUDCC). It allows anyone vaccinated against COVID-19, or who has tested negative, or recently recovered from the virus, to travel within the European Union. What are the Covid-19 travel restrictions and quarantine rules? . As the situation starts to return to normal and countries begin to open their borders to travel, you may be asking whether you’re allowed to travel to/from other countries and go home to visit your family finally. In the UK, from October the rules on foreign travel to and from England are being simplified. The traffic light system is being scrapped, and fully vaccinated people will need fewer tests after travelling to most countries. Learn more Getting a COVID vaccine as an expat Coronavirus – other questions. Here are some other commonly asked questions we get about COVID-19. Is my cover affected because COVID-19 is a pandemic? . With the exception of the travel plan, there are no general exclusions for pandemics in our plans. You will be covered for infection by COVID-19 as you would be for any other viral infection, provided you don’t have applicable personal medical exclusions on your certificate of insurance. What if I can’t afford my insurance payments due to coronavirus? . We understand that times are tough right now. If you’re struggling to keep up with payments for your insurance plan, it’s best to get in touch with us. We’re people too, and our team members can work with you to find a way forward. Are William Russell offices open during the pandemic? . Where possible, our staff around the world are working from home. This is in line with regulations and guidance issued by governments. This isn’t affecting the services we offer our members and our usual emails and telephone numbers are working as normal. Of course, all internal and external communications will (continue to) comply with ISO 27001 and our strict data protection policies. Is William Russell still issuing new plans? . Yes. If you’re not sure what you need, read our glossary of terms. Who should I call if I have questions? . If you have questions about how we can help, please call or email our claims team on +44 1276 486 460 or [email protected] What is coronavirus? . Coronavirus belongs to a family of viruses known to cause illness in animals and humans. In humans, coronaviruses generally cause respiratory illnesses. Previous epidemics such as MERS or SARS were caused by coronaviruses. The coronavirus that’s the subject of the present pandemic causes a respiratory illness called COVID-19. What are the symptoms of COVID-19? . The most common symptoms of COVID-19 are: fever tiredness a loss of taste or smell and a dry, persistent cough Less common symptoms include aches and pains, nasal congestion, a sore throat and diarrhoea. For most people, these symptoms will be mild, and some people may not even be aware they have been infected. But some will become seriously ill and develop breathing difficulties. This is most likely in older people or people with underlying medical conditions. How does COVID-19 spread? . People contract COVID-19 from other people who have been infected with the virus. The virus spreads through small droplets from the nose or mouth, which are spread when an infected person coughs, sneezes or exhales. What can I do to protect myself against COVID-19? . It’s best to keep up to date with the latest guidance on the World Health Organization website or from your national health authority. Most guidelines emphasise the importance of regularly and thoroughly washing your hands, maintaining a distance of at least 1 metre from other people, avoiding touching your face, and avoiding unnecessary travel. Ensuring your insurance is comprehensive and up to date could help by providing access to treatment and income support if COVID-19 causes significant illness. Peace of mind when you go overseas. No matter where you go, you can take one thing off your mind. William Russell offers international health insurance that covers you for everything from minor injuries to long hospital stays. We can even offer medical evacuation to patients who require treatment in other countries. If you have questions about how we can help, please call or email our claims team on +44 1276 486 460 or [email protected] Related articles. Health News The Most and Least Stressed Cities in the World . If you’re thinking about making the leap and moving overseas, here are the places paying you to move there. Expat life 5 Safest Countries in the World for Expats in 2022 . How safe are different countries for expats? Find the safest countries in each region. COVID-19 Expat life Which Countries Have the Best Healthcare in the World? . We compare the healthcare systems in some of the world’s leading countries for medical care. Brexit Expat life Best Countries in the World for Brits after Brexit – Moving Abroad from UK . 2022 is a great year to move overseas for British citizens after Brexit. Here are the best countries to live in right now. We use cookies to improve your experience on our website. If you continue your visit, we'll assume you're happy to receive our cookies. ContinueRead more Privacy & Cookies Policy Close Privacy Overview. This website uses cookies to improve your experience while you navigate through the website. 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  • russell covered vaccination
  • 3
  • 4
  • covered vaccination vaccination
  • 3
  • 4
  • vaccination vaccination adult
  • 3
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  • country residence approved
  • 3
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  • residence approved health
  • 3
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  • programme run national
  • 3
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  • run national government
  • 3
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  • national government local
  • 3
  • 4
  • government local health
  • 3
  • 4
  • local health authority
  • 3
  • 4
  • health authority encourage
  • 3
  • 4
  • authority encourage maximum
  • 3
  • 4
  • encourage maximum participation
  • 3
  • 4
  • vaccinated covid 19
  • 3
  • 4
  • situation constantly
  • 3
  • 4
  • constantly changing
  • 3
  • 4
  • vaccine side
  • 3
  • 4
  • answer question
  • 3
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  • private health
  • 3
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  • commonly asked
  • 3
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  • infection covid
  • 3
  • 4
  • 19 viral
  • 3
  • 4
  • viral infection
  • 3
  • 4
  • exclusion certificate
  • 3
  • 4
  • certificate insurance
  • 3
  • 4
  • policy coronaviru
  • 3
  • 4
  • experiencing covid
  • 3
  • 4
  • offer term
  • 3
  • 4
  • 1276 486
  • 3
  • 4
  • international health
  • 3
  • 4
  • covered vaccination
  • 3
  • 4
  • vaccination vaccination
  • 3
  • 4
  • residence approved
  • 3
  • 4
  • travel restriction
  • 3
  • 4
  • programme run
  • 3
  • 4
  • run national
  • 3
  • 4
  • national government
  • 3
  • 4
  • government local
  • 3
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  • 3
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  • authority encourage
  • 3
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  • encourage maximum
  • 3
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  • maximum participation
  • 3
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  • 3
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  • 3
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  • 3
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  • 3
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  • medical evacuation
  • 3
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  • video link
  • 3
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  • travel plan
  • 3
  • 4
  • vaccine passport
  • 3
  • 4
  • vaccinated covid
  • 3
  • 4
Result 5
Titlebi-insurance-test-case-list-policies-capable-responding-covid ...
Urlhttps://www.fca.org.uk/publication/corporate/bi-insurance-test-case-list-policies-capable-responding-covid-19.pdf
DescriptionCase. We published insurers' lists of affected policies as submitted to ... cover for Covid-19 occurring within a radius of the premises, ...
Date16 Aug 2021
Organic Position5
H1
H2
H3
H2WithAnchors
Body
Topics
  • Topic
  • Tf
  • Position
Result 6
TitleResponding to the COVID-19 and pandemic protection gap in insurance
Urlhttps://www.oecd.org/coronavirus/policy-responses/responding-to-the-covid-19-and-pandemic-protection-gap-in-insurance-35e74736/
DescriptionThe COVID-19 pandemic and the measures taken to limit the spread of the disease have significantly disrupted economic activity in countries around the world, resulting in significant business interruption losses. The vast majority of these losses are likely to be absorbed by policyholders as, unless governments (or courts) intervene, few companies have business interruption coverage that is likely to respond to these types of losses – exposing the existence of an important protection gap for some pandemic-related business interruption losses. This note provides an overview of how business interruption insurance against pandemic risk could be provided with support from governments, and some of the challenges and considerations necessary for establishing such a programme
Date
Organic Position6
H1Responding to the COVID-19 and pandemic protection gap in insurance
H2Abstract
COVID-19 business interruption protection gap
Responses to the COVID-19 business interruption protection gap
Longer-term policy responses to the pandemic business interruption protection gap
Broad coverage, potentially through automatic coverage extensions
Limit public exposure by leveraging available private sector capacity
Provide incentives (or requirements) for risk reduction
Consider whether insurance is the most efficient mechanism
Pandemic risk insurance programme proposals
Annex A. Catastrophe risk insurance programmes
References
Contact
Notes
H3Characteristics of pandemic risk
Key uninsured (or underinsured) exposure is business interruption5
The cost of coverage may be substantial
Challenges in ensuring broad coverage
Correlated exposures across countries and markets
There may be limited private sector appetite for pandemic risk
Few risk reduction options for policyholders
Europe
France
Germany
Italy
United Kingdom
United States
Overview of catastrophe risk insurance programmes
Achieving broad coverage for targeted peril(s)
Improving the affordability of coverage
Limiting public sector exposure
Providing incentives for risk reduction (directly or indirectly)
H2WithAnchorsAbstract
COVID-19 business interruption protection gap
Responses to the COVID-19 business interruption protection gap
Longer-term policy responses to the pandemic business interruption protection gap
Broad coverage, potentially through automatic coverage extensions
Limit public exposure by leveraging available private sector capacity
Provide incentives (or requirements) for risk reduction
Consider whether insurance is the most efficient mechanism
Pandemic risk insurance programme proposals
Annex A. Catastrophe risk insurance programmes
References
Contact
Notes
BodyResponding to the COVID-19 and pandemic protection gap in insuranceUpdated 16 March 2021Open PDF  ╳DisclaimerResponding to the COVID-19 and pandemic protection gap in insuranceCOVID-19 business interruption protection gapBox 1. Estimates of business revenue lossesFigure 1. Estimates of monthly impact of confinement measures on business revenues (USD billion)Box 2. Insurance coverage developed for pandemic (and non-damage) business interruptionResponses to the COVID-19 business interruption protection gapBox 3. Voluntary payments and coverage extensions for business interruption lossesBox 4. Test cases and legal interpretations on coverage applicabilityLonger-term policy responses to the pandemic business interruption protection gapCharacteristics of pandemic riskKey uninsured (or underinsured) exposure is business interruptionThe cost of coverage may be substantialFigure 2. Pandemic-related business interruption: potential annual premium requirementChallenges in ensuring broad coverageCorrelated exposures across countries and marketsThere may be limited private sector appetite for pandemic riskFew risk reduction options for policyholdersBox 5. Potential design features of a pandemic risk insurance programme Pandemic risk insurance programme proposalsEurope FranceGermanyItalyUnited KingdomUnited StatesBox.6. The scope for international cooperationTable 1. Overview of selected pandemic risk insurance programme proposalsAnnex A. Catastrophe risk insurance programmesOverview of catastrophe risk insurance programmesPerils coveredType of coverage providedTableA.1. Catastrophe risk insurance programmes Achieving broad coverage for targeted peril(s)Figure A A.1. Insured share of losses for perils covered by catastrophe risk insurance programmesImproving the affordability of coverageRisk diversificationReduced cost of reinsurance Lower capital required Limiting public sector exposureCoverage limitsRisk selectionFlexibility to leverage market capacityReturning risk to the marketBox A A.1. Increasing the sharing of terrorism risk with private markets: Australia, United Kingdom and United StatesFigure A A.2. Estimated impact of terrorism (re)insurance programme changes on loss distributionCeiling on government exposureProviding incentives for risk reduction (directly or indirectly)Use of modelling for risk management Pricing that reflects risk reductionRisk reduction pre-requisitesReferencesContactNotesShareAbstract. The COVID-19 pandemic and the measures taken to limit the spread of the disease have significantly disrupted economic activity in countries around the world, resulting in significant business interruption losses. The vast majority of these losses are likely to be absorbed by policyholders as, unless governments (or courts) intervene, few companies have business interruption coverage that is likely to respond to these types of losses – exposing the existence of an important protection gap for some pandemic-related business interruption losses. This note provides an overview of how business interruption insurance against pandemic risk could be provided with support from governments, and some of the challenges and considerations necessary for establishing such a programme. The closure of manufacturing plants, restaurants, retail establishments and other places of business to limit the spread of COVID-19 has resulted in significant business interruption losses. The vast majority of these losses are likely to be absorbed by the affected businesses as: (i) many businesses have not acquired coverage for business interruption losses; and (ii) unless governments (or courts) intervene, few of the companies that have acquired business interruption coverage have coverage that is likely to respond to these types of losses (see the OECD’s Initial assessment of insurance coverage and gaps for tackling COVID-19 impacts for a more detailed assessment of the insurance coverage available for COVID-19 related losses). In response to the current crisis, policymakers in a number of jurisdictions are examining various ways to support commercial policyholders (particularly small and medium-sized enterprises (SMEs)) in the context of the uninsured business interruption losses that they have faced as a result of the current COVID-19 pandemic. Policymakers are also beginning to examine longer-term solutions to address the gap in financial protection for pandemic-related business interruption that has come to light as a result of the current crisis. This note provides an overview of the initial responses to the likely business interruption protection gap for COVID-19 and a discussion of how business interruption insurance against pandemic risk could be provided with support from governments based on the experience of other catastrophe risk insurance programmes.COVID-19 business interruption protection gap. Businesses across many sectors of the economy have faced a significant decline in revenue as a result of government directives to close their businesses or curtail their activities in order to slow the spread of the virus among employees and customers. The OECD estimates that one-month of strict confinement measures leads to approximately USD 1.7 trillion in revenue losses (see Box 1). Most governments have implemented programmes to support businesses that have faced significant disruption as a result of COVID-19, focused on ensuring the availability of financing for businesses or income for their employees. Some commercial property insurance policies also include coverage for business interruption losses which provides policyholders with protection against some of the losses that they incur when their business is forced to close, subject to the terms and conditions of the individual policy. Box 1. Estimates of business revenue lossesThe initial set of confinement measures that occurred in March-June 2020 across most OECD countries had different impacts on different businesses sectors. Some types of business activities were able to be maintained at (or near) normal levels, while others had to shut down.1 In Canada, the national statistics office (Statistics Canada) undertook a survey of businesses to determine the change in businesses revenues in April 2020 (during the period of confinement) relative to April 2019 (Statistics Canada, 2020[1]). While the survey only provided ranges for revenue changes, there was sufficient granularity to allow for a rough calculation of the average decline in revenues across sectors (ranging from an 11.7% decline in the agriculture, forestry, fishing and hunting sector to a 41.0% decline in the accommodation and food services sector). Figure 1 applies these sector-level average declines in revenue across other OECD countries to provide estimates of the losses that would be incurred in different countries, adjusting for the different composition of business activities in different countries (and assuming that the different confinement measures resulted in similar impacts on revenues).2 For the 27 OECD countries for which the necessary data was available (in addition to Canada, calculated based on (Statistics Canada, 2020[2])), a month of confinement measures could result in total business revenue losses of USD 1.7 trillion. The 28 countries included account for approximately 93% of OECD country GDP. Additional periods of confinement and business closures (as are occurring already in many countries) would of course increase the overall level of losses. Figure 1. Estimates of monthly impact of confinement measures on business revenues (USD billion)Source: Data on output by business sector is taken from (OECD, 2020[3]). The latest available data for many countries was 2017 and so the figures were adjusted upwards to account for GDP growth in 2018 (from (OECD, 2020[4]) and inflated to 2019 USD.1. For example, one survey of US small businesses found that those businesses involved in service-type industries (such as retail or food services) and physical-type industries (such as construction or manufacturing) were much more likely to face severe decreases or even total losses of revenue than businesses operating in knowledge-type industries (SHRM, 2020[5]).2. Confinement measures were of course different across countries and also had different impacts on business revenues. In the United States, one estimate suggests that the overall decline in business revenues among small businesses reached 38.2% as of 30 April 2020 (relative to January 2020) (Chetty et al., 2020[6]) which is higher than the overall estimate for Canadian businesses (25.5%). In Australia, data on the share of businesses that faced decreases in revenue have been published (although not estimates of the amount of decline). In May 2020, it was estimated that 72% of businesses faced a reduction in revenues (Australian Bureau of Statistics, n.d.[7]) which is comparable to the figure for the Canadian sample for April (70.2%).Insurers and their associations around the world have indicated that most policyholders have not acquired insurance coverage that will respond to the business interruption losses that result from COVID-19 business closures. In most countries, business interruption coverage is provided as an optional coverage attached to commercial property insurance that is often (but not always)1 triggered only as a result of damage to physical property. In addition, in a few countries and policies (notably, in the United States), an exclusion was developed (more than 15 years ago) and has been applied with the aim of specifically excluding coverage for losses due to virus (or bacteria) (or specifically losses in the context of a pandemic).2 Some explicit coverage for business interruption losses resulting from a pandemic has been made available as endorsements or specialty coverage although take-up of this explicit coverage has been limited (see Box 2). Box 2. Insurance coverage developed for pandemic (and non-damage) business interruptionSome insurance products have been developed to offer explicit coverage for business interruption losses suffered as a result of an infectious disease outbreak, either as a specialty stand-alone policy or as an endorsement to a policyholder’s existing business interruption coverage. In 2018, for example, a specific coverage for financial losses due to outbreaks, epidemics or pandemics was made available (Marsh, 2020[8]) although there has reportedly been almost no take-up (Collins, 2020[9]). The Insurance Services Office in the United States developed two optional endorsements for commercial property policies applicable to business interruption losses as a result of business closures related to COVID-19 in February 2020 although it is too early to determine whether insurers will seek to offer that coverage (Barlow, 2020[10]). There are also a few commercial insurance policies that specifically include pandemics as a covered peril in some markets (such as a property and liability policy tailored to dentist practices in Canada) (O’Hara, 2020[11]). In addition, some coverage has been developed for non-damage business interruption which is meant to respond to any interruption to business that does not involve physical damage to the insured premises or a building in proximity to the insured premises (which would include pandemics unless specifically excluded under the terms of the coverage). However, non-damage business interruption remains a specialty coverage with limited penetration.Responses to the COVID-19 business interruption protection gap. A number of insurance supervisors have assessed the potential for business interruption coverage to respond to losses incurred as a result of COVID-19 related business closures. In the US state of Washington, for example, the Office of the Insurance Commissioner undertook a review of policy wordings offered by 84 insurance companies and found that only two insurance companies offered coverage for a pandemic in their base policies while 15 others offered limited coverage through endorsements to other policies (Washington state Office of the Insurance Commissioner, 2020[12]). In France, the Autorité de contrôle prudentiel et de résolution (ACPR) requested information from approximately 20 insurers (accounting for a significant portion of business interruption coverage in the French market) and found that only 2.6% of these companies’ policyholders had explicit business interruption for a COVID-19-type event while a further 4.1% had coverage that could potentially respond (i.e. their policy wordings did not provide certainty on coverage) (ACPR, 2020[13]).3 It appears that many policyholder claims for COVID-19-related business interruption losses are being rejected by insurance companies. For example, in the United Kingdom, a survey of hospitality-related businesses found that less than 1% of hospitality businesses, 3% of innkeepers and 4% of beer and pub businesses had received a positive response from their insurer regarding business interruption coverage for COVID-19 related closures (Gould, 2020[14]). In the United States (as of November 2020), less than 2% of closed claims for business interruption losses submitted to insurers were paid4 (NAIC, 2020[15]). Some insurance companies have responded by offering additional coverage or making voluntary payments to support businesses affected by disruptions as a result of COVID-19 (see Box 3).Box 3. Voluntary payments and coverage extensions for business interruption lossesIn a few jurisdictions, insurance companies are offering additional coverage or making voluntary payments to support businesses affected by disruptions as a result of COVID-19. In Switzerland, a number of companies have agreed to voluntarily compensate their policyholders in the restaurant sector for some business interruption losses. In the German state of Bavaria, insurance companies have agreed to provide voluntary compensation for 10%-15% of the normal daily cost of business interruption to policyholders in the hospitality sector (Bayerisches Staatsministerium für Wirtschaft, 2020[16]). At least one German insurer will reportedly provide similar compensation to all of its German policyholders (Huebner, 2020[17]). In France, insurance companies announced that they will collectively contribute EUR 400 million to a solidarity fund for affected businesses (FFA, 2020[18]) and some insurers are reportedly providing small firms with ex-gratia payments (Huebner, 2020[17]). In the United States, a legislative proposal has been introduced that would allow insurers to voluntarily make payments (reimbursed by government) for business interruption losses under policies that provide coverage for losses related to civil authority closures and apply a virus exclusion (Office of Congressman Mike Thompson, 2020[19]).According to the Italian insurance association (Associazione Nazionale fra le Imprese Assicuratrici (ANIA)), insurance coverage for business interruption is not common on the Italian market, particularly among SMEs – and where acquired, it may only be triggered as a result of physical damage to the insured premises. As a result, Italian SMEs subjected to closure orders (e.g. retail shops, bars and restaurants and various types of service providers) were unlikely to receive any insurance payments for the losses incurred as a result of the closures. A group of insurance companies responded by designing a coverage extension to provide affected SMEs with a daily allowance valid for up to 15 days of ordered business closure. In addition, insurance companies in many jurisdictions are providing various forms of support to policyholders, including businesses, such as premium grace periods and refunds and flexibility in terms of coverage interpretation (see the OECD report on Insurance Sector Responses to COVID-19 for an overview of these initiatives).Legislators in some jurisdictions have raised concerns about the lack of coverage for COVID-19-related business interruption losses. For example, the Chair of the UK House of Commons Treasury Select Committee wrote to the Association of British Insurers requesting information on the approach that insurers will take to business interruption claims and the amount of losses that insurers expect to pay (Stride, 2020[20]). In France, a senator representing the district of Ille-et-Vilaine submitted a written question to the Minister of Economy and Finance on 9 April regarding the need to extend retroactive coverage for business interruption losses through the French natural catastrophe insurance programme (Robert, 2020[21]). In a few jurisdictions, governments are also considering ways to ensure that insurance coverage responds to the business interruption losses that have been (and are being incurred) by businesses. In the United States, for example, legislation has been proposed in a number of jurisdictions (including District of Columbia, Louisiana, Massachusetts, New Jersey, New York, Pennsylvania, Ohio, Rhode Island and South Carolina (Turner, 2020[22])) that, if adopted, might require insurers to pay certain business interruption claims submitted by businesses that had business interruption insurance at the time COVID-19 measures were implemented – even where insurance policies have exclusions or other policy terms and conditions that ordinarily would preclude coverage for such losses. In the US state of California, a recent legislative proposal reportedly includes a rebuttable presumption that would, for the purposes of claims interpretation, require an assumption that during the state of emergency, COVID-19 was present, caused physical damage and was the direct cause of business interruption to businesses in the state (Insurance Journal, 2020[23]). At the time of writing, many of the state legislative proposals were at an early stage of development and some of the early proposals (including legislative proposals in the District of Columbia and Louisiana) have reportedly been abandoned (Foggan, Sabino and Sutta, 2020[24])). Insurance regulators and supervisors (along with insurance companies) have raised concerns over the implications of retroactively expanding coverage obligations. The International Association of Insurance Supervisors issued a statement in May 2020 that cautioned against “initiatives seeking to require insurers to retroactively cover Covid-19 related losses, such as business interruption, that are specifically excluded in existing insurance contracts”. The IAIS also noted that these “initiatives could ultimately threaten policyholder protection and financial stability, further aggravating the financial and economic impacts of Covid-19” (IAIS, 2020[25]). In the United States, the NAIC issued a statement raising concerns with proposals to require retroactive coverage of business interruption claims and highlighted the significant solvency risks to the sector as well as the macroprudential risks associated with such proposals (NAIC, 2020[26]). The US Department of the Treasury has also noted concerns about potential interference with the contractual arrangements made between insurers and their policyholders and the possibility that such proposals could introduce stability risks (Vaughan, 2020[27]). In France, the ACPR has reminded insurers that they should not make payments for losses that are not included within the scope of coverage that they provided (ACPR, 2020[28]). Proposals which may require insurers to pay claims for losses that they did not intend to cover and for which they have not collected premiums or set aside provisions/reserves could have serious implications. The scale of losses that policyholders are incurring as a result of business disruption are multiples of the amount that insurers will normally payout for business interruption claims and may far exceed the amount of surplus capital (see below). If surplus capital were exhausted as a result of mandated payouts for COVID-19 business interruption, the ability of insurers to respond to losses from future events would be uncertain. The certainty of contractually-agreed insurance coverage would also likely come into question if legislators could intervene to alter outcomes – and there could be cross-border implications if some of the losses covered retroactively in one jurisdiction are reinsured in another.The absence of (or uncertainty regarding) coverage has led (and will continue to lead) to a large number of disputes between insurers and their policyholders which is likely to take months (if not years) to resolve. For example, in the United States, over 1 500 COVID-19-related insurance coverage lawsuits have reportedly been filed (as of February 2020) (Baker, 2021[29]) with early outcomes suggesting different judicial interpretations of key issues and limited potential for any consolidation of proceedings (Covington, 2020[30]) (although with a large number of those cases subjected to a motion to dismiss by the insurer dismissed, particularly in Federal courts (Baker, 2021[29])). Some legislators, insurance regulators (particularly market conduct and consumer protection authorities) and insurance associations are taking steps to support a more efficient resolution of these disputes, including through the submission of test cases meant to provide clarity on the interpretation of commonly-used policy wordings (see Box 4). Box 4. Test cases and legal interpretations on coverage applicabilityInsurance regulators and supervisors, and insurance associations in a number of jurisdictions are submitting or sponsoring cases for legal interpretation to address some of the uncertainties related to business interruption coverage that have arisen based on the policy wordings commonly used by insurance companies in their jurisdictions: In the United Kingdom, the Financial Conduct Authority (FCA) took the unprecedented step of seeking clarity from the courts on some specific areas of potential coverage disputes related to non-damage business interruption coverage1 with the aim of expediting a resolution and reducing the need for lengthy litigation between insurers and their policyholders (FCA, 2020[31]). A High Court judgement was made in September 2020 with certain elements of that judgement appealed to the Supreme Court which rendered judgement in January 2021. The courts found that many of 21 policy wordings examined included coverage applicable to business interruption losses through the interpretation of disease clauses (which provide coverage in the event that an outbreak of notifiable disease occurs in proximity to the insured) and coverage for prevention of access and that trends clauses2 cannot (generally) be applied to reduce the amount of claims paid to policyholders (Lewis et al., 2021[33]). The FCA issued a Dear CEO letter after the Supreme Court judgement outlining its expectation that insurers make payment on claims as quickly as possible under impacted policies (FCA, 2021[34]). In Switzerland, the Ombudsman of Private Insurance commissioned a third party legal opinion seeking clarity on the applicability of various pandemic exclusions that are applied as part of the general conditions of some Swiss property and business property insurance policies (Dörig and Bösch, 2020[35]). In South Africa, the Financial Sector Conduct Authority (FSCA) identified the types of business interruption policies that could potentially include coverage and the evidence required to demonstrate coverage which is meant to reduce variation in interpretation by insurance companies using similar wordings (FSCA, 2020[36]). A number of non-life insurers agreed (as part of a discussion with prudential and market conduct regulators) to provide interim payments to some or all policyholders with a potentially relevant coverage for infectious diseases while legal certainty was sought on the applicability of coverage (FSCA, 2020[37]). According to the Financial Sector Conduct Authority (based on discussions with non-life insurers), recent judicial rulings have provided legal certainty on the applicability of contingent business interruption coverage to losses resulting from closure orders related to COVID-19 (FSCA, 2021[38]) and South African insurers have begun making payments to eligible policyholders (Rumney, 2020[39]), (Mukherjee, 2021[40]). The FSCA has responded to the decision on the applicability of contingent business interruption by providing further guidance on the payment of claims under applicable policies (FSCA, 2021[38]). In Ireland, the Central Bank of Ireland has established a COVID-19 and Business Interruption Insurance Supervisory Framework that outlines its expectations of insurers in terms of responding to business interruptions claims, including guidance on the interpretation of some issues, the allocation of litigation costs, particularly for cases deemed to be possible “test cases” and a requirement for insurers to extend the benefits of dispute resolutions to other relevant policyholders (Carrigy and Grogan, 2020[42]), (Moore, 2020[43]). This expectation was recently reiterated by the Central Bank of Ireland Governor following a High Court (“test case”) decision that found that business interruption coverage applied to losses faced by four pub owners as a result of business closure orders (Makhlouf, 2021[44]). In Australia, the Insurance Council of Australia (non-life insurance industry association) has launched two test case to seek clarity on the applicability of business interruption coverage. The first test case was launched in the state of New South Wales based on two small business claims made to the Australian Financial Complaints Authority (AFCA). The policies in question reportedly use exclusionary language for listed human diseases that is common to many insurance policies in Australia (Williams and Cabban, 2020[46]). In November 2020, the New South Wales Court of Appeal ruled that policies that applied exclusions that referenced the repealed Quarantine Act of 19083 were not enforceable and that coverage was therefore applicable (Collins, 2020[47]). Some insurance companies have increased their claims provisions and are considering raising additional capital as a result of the decision (Dowding, 2020[48]) although the Insurance Council of Australia has made an application to appeal the decision (ICA, 2021[49]). The second test case is meant to seek clarity on various policy wording issues included in nine separate small business claims disputes lodged with the AFCA, including the definition of a disease, proximity of an outbreak to a business, and prevention of access to premises due to a government mandate (ICA, 2021[49]), (ICA, 2021[50]).← 1. The FCA sought an urgent declaratory judgement from the courts on the applicability of non-damage business interruption coverage (including coverage for pandemics, denial of access and civil authority closures that do not require physical damage to be triggered) provided in a set of 17 commercial property policies to COVID-19-related losses. The test case did not address the uncertainty related to whether virus contamination could be considered physical damage, which is another significant area of potential disputes (FCA, 2020[51]) (Jones and Cohn, 2020[52]), (Le Marquer, 2020[53]).← 2. In some business interruption coverage, a trends clause may be applied to adjust the calculation of lost revenues to account for factors unrelated to the triggering peril that would have had an impact on the amount of revenues earned had the covered event not occurred. ← 3. A policy exclusion that referenced the Biosecurity Act of 2015, which replaced the Quarantine Act of 1908 and included COVID-19 as a listed disease, was found to be applicable in a separate decision by the Full Federal Court that denied coverage for business interruption losses resulting from lockdown measures (Saville and Burgess, 2020[54]).Longer-term policy responses to the pandemic business interruption protection gap. Policymakers and other stakeholders are beginning to examine longer-term solutions to the business interruption protection gap as many private insurance market participants have expressed concerns about offering comprehensive coverage without some form of loss-sharing programme. A number of insurance and risk management associations have publicly indicated their support for developing a programme to cover pandemic-related business interruption losses, including risk management, broker and insurance associations from across Europe and the United States (Ladbury, 2020[55]), (Collins and Norris, 2020[56]), (Ladbury, 2020[57]). In the United States, a legislative proposal to establish a federal pandemic risk reinsurance programme (“Pandemic Risk Insurance Act of 2020”) has been introduced to Congress. Working groups, in some cases involving both the public and private sectors, have been established in France, Germany, Switzerland, the United Kingdom (amongst other jurisdictions), as well as by the European Insurance and Occupational Pensions Authority (EIOPA) to examine possible solutions for providing insurance for future pandemics (Direction générale du Trésor, 2020[58]), (Insurance Journal, 2020[59]), (EIOPA, 2020[60]). There is significant international experience in establishing catastrophe risk insurance programmes to respond to other catastrophe perils which may provide some lessons for responding to future pandemics (although pandemics may present different risks and challenges, as outlined in the section below). Annex A provides an overview of catastrophe risk programmes and good practices for supporting broad coverage, lowering the aggregate cost of coverage, minimising public financial exposure and encouraging risk reduction through programme design.Characteristics of pandemic risk. A pandemic presents different risks and challenges from many of the other types of perils that have been targeted by catastrophe risk insurance programmes.Key uninsured (or underinsured) exposure is business interruption5. Catastrophe risk insurance programmes are often targeted at property damage, whether to residential or commercial buildings. In mature insurance markets, coverage for property damage is acquired by almost all commercial entities. As a result, coverage for property damage of the peril targeted by the catastrophe risk insurance programme can be attached to the coverage that already exists in the market and achieve broad penetration (although some programmes have established their own coverage terms and conditions). However, the share of businesses that have acquired business interruption coverage is much lower. In the United States, for example, approximately 30% of businesses have acquired coverage for business interruption. In France, the Fédération française de l’assurance estimates that approximately 50% of SMEs have business interruption coverage (relative to 100% that have coverage for property damage) (FFA, 2020[61]). As a result, it would likely be more difficult to achieve broad penetration by attaching pandemic coverage to business interruption policies. In addition, one of the main (disputed) limitations to coverage of business interruption losses resulting from COVID-19 (or other infectious diseases) in many jurisdictions is that coverage may only be triggered as a result of physical damage and contamination may not be considered property damage.6 The challenge will be to add coverage through a pandemic risk insurance programme without altering existing commercial practices related to the coverage of non-damage business interruption. The cost of coverage may be substantial. While it is difficult to assess the frequency of pandemics, the potential severity of losses is immense. The magnitude of business interruption losses that are likely to be incurred as a result of COVID-19 (whether by policyholders or their insurers) is much higher than the losses incurred as a result of any recent single catastrophe event. As noted in Box 1, businesses across OECD countries faced an estimated USD 1.7 trillion in revenue losses for one-month of strict confinement measures. By comparison, the Great East Japan Earthquake in 2011 (the largest economic loss from a single event since at least 1970) resulted in USD 234 billion in losses (in 2018 USD). Potential losses of this magnitude would far exceed the amount of premiums collected for business interruption coverage. For example, the approximately 20 French insurers surveyed by ACPR reportedly collected a total of EUR 354 million in premiums for business interruption coverage in 2019 (ACPR, 2020[13]). Figure 2 provides broad estimates of the potential amount of premiums that would need to be collected (as a share of gross direct property insurance premium) in order to provide some coverage7 for one month of business interruption losses (for a return period of 100 years and 35 years8). Figure 2. Pandemic-related business interruption: potential annual premium requirementNote: Revenue decline estimates were derived as outlined in Figure 1 above. The premium requirements were calculated for a coverage of 50% of one-month of revenue losses and incorporate a loss ratio of approximately 65%.Source: OECD calculations as outlined in Figure 1. Property premium data is from (OECD, 2020[63]).The cost of capital requirements – which are usually higher for low frequency events, would not benefit from any significant deductions as a result of diversification9 and would need to account for the high-level of uncertainty regarding frequency and severity – would add a substantial amount to the premium requirement. These estimates suggest that providing comprehensive coverage for all business interruption losses for a pandemic of similar magnitude as COVID-19 would entail absorbing losses at much greater levels than any catastrophe event in the past and would require a significant increase in the amount of premiums collected to fund those losses in most countries (although in some countries, the increase in required premiums could be less than 10% of current premium levels).Challenges in ensuring broad coverage. The design of a catastrophe risk insurance programme would need to consider the best way to achieve broad coverage. Where optional coverage for pandemic risk has been available, it has not been frequently acquired.The experience of COVID-19 will certainly lead to an increase in interest for such coverage although it’s not assured that this will lead to a long-term change in voluntary take-up particularly if the cost of coverage is substantial. Experience from other catastrophe risk insurance programmes suggests that merely making coverage available may not be sufficient for achieving broad coverage. Correlated exposures across countries and markets. Given the potential for a pandemic to affect all parts of the world (near) simultaneously, the financial benefits of diversifying exposure geographically will be limited (at least in the context of a global pandemic).10 The ability of reinsurance markets (including alternative risk transfer through capital markets) to provide coverage for risks at a lower cost than primary insurers operating in a single market depends on their ability to pool uncorrelated risks from around the world. The nature of pandemic risk challenges the ability of the private market to diversify the risk and would likely lead to a higher cost for reinsurance or retrocession (including through alternative risk transfer markets) than in the case of other perils whose occurrence would not be correlated across countries or with financial markets. In the case of alternative risk transfer markets, one of the attractive features for investors has been a lack of correlation between the performance of these instruments and financial market performance.11 However, the current crisis has demonstrated that a large-scale pandemic is also likely to have a negative impact on financial markets.There may be limited private sector appetite for pandemic risk. Given the recent experience with COVID-19, it is likely that insurers will be reluctant to provide broad coverage for business interruption in the near future (or at least not at a cost broadly accessible to commercial policyholders). Some reports suggest that insurers are reducing or eliminating any potential coverage for pandemic risk in property damage and business interruption policies (Marsh, 2020[8]) and are considering applying various exclusions in other lines of business where some exposure is likely (e.g. directors and officers liability insurance (Collins, 2020[68])). The potential that confinement measures would be imposed broadly as part of any effective response to an infectious disease outbreak is likely to limit the appetite of private insurance markets to offer significant capacity even in terms of first-loss coverage as such measures would lead to many policyholders being affected simultaneously. In the United States, for example, the insurance associations that have put forward the Business Continuity Protection Program proposal (see below) do not include a risk-taking role for insurers (although (re)insurers in France have indicated that they would be willing to provide EUR 2 billion in (first-loss) coverage capacity with access to reinsurance through CCR (public reinsurer) (FFA, 2020[61])). There is also a high-level of uncertainty related to the frequency and severity of infectious disease outbreaks. While catastrophe models for pandemic risk have existed for a number years, these models are focused on morbidity and mortality, not the business interruption losses that would be addressed by a pandemic risk business interruption insurance programme.Few risk reduction options for policyholders. There would be challenges in terms of designing a programme that encourages risk reduction by policyholders. There may be more limited actions that policyholders can take to reduce their risk than in the case of other types of perils. Box 5. Potential design features of a pandemic risk insurance programme Given the nature of pandemic risk, governments wishing to establish a pandemic risk insurance programme should consider how the following practices could support the design of a programme that achieves broad coverage, limits public sector exposure and encourages risk reduction.Broad coverage, potentially through automatic coverage extensions . Governments may wish to consider approaches that involve an automatic extension of coverage for pandemic risk business interruption in order to ensure broad coverage. An automatic extension to include coverage for pandemic risk business interruption as part of commercial property insurance policies or an approach that involves the voiding of relevant exclusions (on an ex ante, not ex post or retroactive basis) under specific circumstances (e.g. a pandemic that has been formally declared as such by a government authority) would likely be more effective in ensuring broad coverage than simply making coverage available. As outlined in Annex A, programmes that make coverage available on an optional basis have generally had more limited success in reducing the protection gap for targeted perils. Voiding applicable exclusions might help address the challenges of integrating coverage for pandemic-related business interruption into the existing scope of commercial property policies. Limit public exposure by leveraging available private sector capacity . The design of a pandemic risk business interruption insurance programme should involve a careful assessment of the appetite of private (re)insurance markets to provide coverage for different infectious disease outbreak scenarios as well as the cost effectiveness of different approaches to publicly-provided coverage. The limited ability to diversify risk in reinsurance and retrocession markets would likely lead to higher costs for reinsurance coverage which may suggest that government-backing should target higher layers of losses, allowing private insurance (and reinsurance) markets to develop for losses below a threshold for government involvement (as outlined below, many of the proposals put forward to provide coverage for pandemic-related business interruption losses in the longer-term recommend a role for government as reinsurer). Catastrophe risk insurance programmes that provide coverage as direct insurance or for lower loss layers (usually) depend on private reinsurance, retrocession and capital markets for leveraging private market capacity although these markets may not have significant capacity for a peril that is difficult to diversify geographically, may be highly correlated with financial markets and could result in very large losses. However, as it may take some time before private (re)insurance markets will be willing to make available significant capacity, thresholds for government involvement may need to be set at fairly low levels initially. It is unlikely that private (re)insurance markets would ever have the capacity to manage the losses resulting from a pandemic on the scale of COVID-19. However, any risk-absorption by private markets would nonetheless reduce public sector exposure.Some have suggested that any programme established to address pandemic-related business interruption should also provide a solution to other uninsured (or underinsured) non-damage business interruption perils (such as cyber perils or major power disruption) (recommended by the Federation of European Risk Management Associations (FERMA) (FERMA, 2020[69]). Offering coverage for a broader set of perils could offer benefits in terms of the diversification of programme exposure. Provide incentives (or requirements) for risk reduction. One of the challenges that has exacerbated business interruption losses (in some sectors) has been difficulties in transitioning to a work from home approach. Insurers could be required to ensure that policyholders have business continuity plans or other risk mitigation measures in place (or could offer premium discounts) that support the continuity of operations (where possible) and reduce the amount of business interruption losses incurred in the event of widespread business closures. A pandemic risk insurance programme could also integrate requirements for covered businesses to implement measures to limit the spread of the virus (such as a strengthened capacity for remote working) and protect the health and safety of employees and customers. The Business Continuity Protection Program proposal put forward by US insurance association, for example, includes a recommendation that adherence to federal health guidance be a condition for access to compensation (NAMIC, APCIA and Big I, 2020[70]). The insurance sector could also become an advocate for strengthening government preparedness through a pandemic risk insurance programme.1 Consider whether insurance is the most efficient mechanism. Governments are providing various types of financial support to address the financial implications of COVID-19 on individuals and businesses, including a number of programmes that compensate for costs that would normally be covered under business interruption insurance. Ultimately, governments will need to consider whether it is more cost-effective to provide financial support for a catastrophe risk insurance programme for these losses or simply provide this support directly to businesses from the general government budget. Governments could also consider whether it would be more cost-effective to access private insurance markets as a means to protect public finances rather than through a cost-share catastrophe risk insurance programme. An insurance programme would be most beneficial if it increases private market appetite for assuming pandemic-related risks, supports risk understanding and risk reduction and provides certainty to business regarding their coverage for future pandemic-related business interruption losses. ← 1. In the United Kingdom, for example, insurance companies have historically agreed to provide broad coverage for flood damage based on a commitment by government to make sufficient investment in flood risk mitigation.Pandemic risk insurance programme proposals. In many jurisdictions, policymakers, legislators and insurance organisations have established working groups, developed legislation and made various proposals on the establishment of pandemic risk insurance programmes. In some cases, these proposals have been published or reported in the media.Europe . EIOPA has developed an issues paper setting out some of the issues and options for establishing an insurance solution for addressing pandemic-related business interruption losses (“shared resilience solution”), based on discussions with representatives from the insurance industry and commercial insurance buyers. The issues paper outlines potential options for addressing risk assessment challenges (such as the modelling of non-damage business interruption (NDBI) risk) and incentivising risk prevention measures (through pricing and contractual terms) as well as some potential product design features to provide NDBI cover in the short or medium term (such as the choice of payment trigger, the scope or mandatory nature of the cover). The paper also sets out risk transfer approaches based on different mechanisms for risk sharing between insurers, reinsurers and governments at national or European level (EIOPA, 2020[71]). In February 2021, EIOPA issued a staff paper examining possible approaches to improving the insurability of pandemic business interruption risks, including through prevention measures, risk transfer to capital markets and by establishing a multi-peril solution for systemic risks (EIOPA, 2021[72]).The European Parliament, in its Report on a New Industrial Strategy for Europe, has called on the European Commission to “work towards the creation of a framework involving institutional investors, Member States and the EU, to cover the losses due to business interruption in case of a future pandemic” (European Parliament: Committee on Industry, 2020[73]). France. As noted above, the French Minister of Economy and Finances established a working group in April comprised of representatives from business and insurance associations, CCR and members of Parliament mandated to develop a framework for providing insurance for exceptional events, such as a global pandemic. The Fédération française de l’assurance, a member of the working group, has published its proposal for a CATEX (catastrophes exceptionnelles) programme to provide coverage for business interruption losses that result from a reduction in economic activity following an extraordinary event (pandemics, terrorist attack, natural catastrophe, etc.). Under the proposal, the coverage could be triggered by a state administrative action that resulted in the closure of businesses in a given geographic region for a specified amount of time and would apply to businesses directly affected by the administrative order as well as those indirectly affected as a result of reduced economic activity outside the specified region. The coverage would be attached to either commercial property or business interruption coverage and would be available to SMEs (TPE and PME in French). The coverage would provide lump-sum payments (i.e. without loss adjustment) and would be calibrated to replace gross business disruption costs net of salaries and profits. The coverage would be funded by a premium paid by SMEs and backed by the government based on the existing regimes for natural catastrophes and terrorism risk. As noted above, French insurers and reinsurers have indicated that they would provide EUR 2 billion in capacity based on an expectation that CCR would provide reinsurance for additional amounts (FFA, 2020[61]). It should be noted that, at the time of writing, the formal proposal of the working group has not been published and that other members of the group are reportedly developing alternative proposals (Ladbury, 2020[74]).Germany. The German Insurance Association (GDV) established an expert group from the insurance industry to develop potential models to address the economic impacts of pandemics. The GDV published a Green Paper in June 2020 proposing the establishment of a legal entity that would collect funds from policyholders (either directly as risk-based premiums or through a compulsory flat-rate levy attached to certain policies) and would make payments to policyholders in the event of a WHO-declared pandemic and/or the declaration of regional epidemic by the relevant German public authorities. Payments would be made to all businesses (flat-rate levy model) or those that paid premiums for coverage based on the amount of capital accumulated by the legal entity (including as a result of any reinsurance coverage acquired by the entity) – with the government providing a backstop for losses above the capacity of the legal entity (GDV, 2020[75]). According to the GDV, representatives of the business community have initially indicated that they would prefer a voluntary solution. Italy. Generali Group published a perspective on pandemic risk pooling in September 2020 that recommends the establishment of a public-private partnership to provide insurance protection against pandemic-related business interruption losses for SMEs, harmonised at the European-level. The mechanism would include an initial coverage that would potentially be funded by the insurance sector and could potentially be based on a mix of parametric triggers (Generali Group, 2020[76]). United Kingdom. In the United Kingdom, industry representatives have formed working groups to develop solutions to the business interruption protection gap for pandemic risk. A set of working groups have been established to develop a proposal to establish Pandemic Re which would create a government-backed reinsurance pool. The initiative includes broad participation from across the UK insurance sector and intended to submit a proposal to the UK government in late 2020. In addition, the Lloyd’s market has developed and published details on three proposed solutions to address various elements of the pandemic-related business interruption protection gap (Lloyd’s, 2020[77]). The proposals have been published as open-source frameworks for the design of programmes to deal with non-damage business interruption (including pandemics) in the short and longer-term:For the short-term, Lloyd’s has proposed the establishment of a ReStart programme that would pool capacity within the Lloyd’s market to provide business interruption coverage for small companies for future potential waves of COVID-19 (with the possibility to extend the scope of the programme to include SMEs more generally). For the medium and longer-term, Lloyd’s has proposed the establishment of Recover Re which would collect premiums (under a policy that lasts multiple years) to be used to make payments to policyholders for non-damage business interruption after an event, including the current COVID-19 pandemic as well future pandemics or other perils that lead to business interruption (without the physical damage that triggers such coverage in many commercial property policies). Policyholders would make continuous premium payments over many years to fund a pool that would provide this coverage. The role of government would be to provide a guarantee against policyholder premium payment defaults and, potentially, to fund payouts in the initial years before Recover Re accumulates sufficient capital.For the longer-term, Lloyd’s has proposed the establishment of Black Swan Re, a reinsurance pool backstopped by a government guarantee that would provide coverage for systemic non-damage business interruption losses. Under this proposal, the insurance industry layer would be relatively small at first but would increase over time (subject to loss experience). United States. In the United States, a legislative proposal to establish a federal pandemic risk reinsurance programme – the “Pandemic Risk Insurance Act of 2020” (PRIA) – has been introduced in Congress. The programme would operate in a similar way as the Terrorism Risk Insurance Program by providing a federal backstop for business interruption and event cancellation losses incurred by participating insurers as a result of a “covered public health emergency” (i.e. an event certified as such by the Secretary of Health and Human Services, such as a pandemic or infectious disease outbreak). Under the draft PRIA legislation, the private sector would take on some portion of the future pandemic risk. The federal reinsurance would cover 95% of losses above an individual participating insurers’ deductible once an industry loss threshold of USD 250 million was achieved – with an overall annual limit of USD 750 billion in annual payouts. The purchase and offering of the federally-reinsured coverage would be voluntary (Dawson and McCarty, 2020[78]), (Sclafane, 2020[79]). The legislation has been endorsed by a number of business and insurance associations, including Non-profit New York, the U.S. Travel Association, The National Retail Federation, the American Society of Association Executives, and the Council of Insurance Agents and Brokers (amongst others) (Office of Congresswoman Carolyn Maloney, 2020[80]). A group of US insurance associations (American Property Casualty Insurance Association (APCIA), the National Association of Mutual Insurance Companies (NAMIC) and the Independent Insurance Agents and Brokers of America (Big I)) have proposed the establishment of a Business Continuity Protection Program that would provide federal compensation for up to 80% of specific types of operating expenses (including payroll, employee benefits and other operating expenses) for up to three months following the declaration of an emergency. Businesses would need to purchase this protection in advance and would need to certify that: (a) the proceeds of the compensation will be used to retain employees and pay necessary operating expenses; and (b) that the business will implement all applicable federal guidance on health and safety measures during the health emergency. The protection could be acquired by any business incorporated in the United States on a voluntary basis. The private sector would not take on any of the future pandemic risk, and it would be completely backstopped by the U.S. federal government (NAMIC, APCIA and Big I, 2020[70]), (Hatler, Mihocik and Roman, 2020[81]). A “Pandemic Reinsurance Corporation” proposal has also been reported in the media although it does not appear to have been formally proposed as legislation. Under this proposal, reinsurance coverage would be made available for both small and large businesses although with small businesses receiving payouts based on a standard formula and large businesses receiving payouts calculated on an indemnity basis. The coverage would automatically be included in small business insurance policies (business owner policies or workers compensation policies) although large businesses would need to specifically acquire the coverage. The insurance industry would be responsible for approximately USD 15 billion of losses faced by small businesses and a similar amount for large businesses after a few years (Sclafane, 2020[82]).In early July, a large US property and casualty insurer (Chubb) released a proposal for establishing a Pandemic Business Interruption Program involving facilities for small companies and for medium and large companies. For small businesses, the programme would provide a fixed payment based on a multiple of payroll costs in the event of a government-declared pandemic and lockdown with a first layer of losses (beyond a deductible and up to USD 250 billion) co-insured by insurance companies and government (with the industry share increasing over time) and an excess layer of USD 500 billion funded by government. Policyholders would only be required to pay premium to cover the industry share of losses which would reduce the cost of this insurance. Companies would be required to opt-out of purchasing this coverage and, in doing so, would confirm that they will not have access to business interruption coverage or federal assistance programmes in the event of a pandemic. For medium and large companies, business interruption coverage could be acquired on a voluntary basis from private insurers who would cede a proportion of the risk (and premium) to a government reinsurer (Pandemic Re). Coverage would be limited to USD 50 million per policy and the industry retention would be limited to USD 15 billion initially and increasing over time (Chubb, 2020[83]). In December 2020, Zurich North America released a draft concept for providing financial protection against future pandemics. The proposed approach would provide business interruption coverage to businesses for essential expenses (up to 80% of expenses for three months, capped at USD 20 million per month) with a deductible (waiting period) chosen by the policyholder and reduced premium rates for smaller businesses. Insurers would be required to offer this coverage but can choose to cede 90%, 95% or 100% of the risk to government-backed reinsurance pools. The coverage would be triggered in the event of federal emergency disaster declaration, federal disaster declaration for the relevant state and a business shut down declaration made at the state level (Zurich (North America), 2020[84]). A coalition of US businesses (Business Continuity Coalition (BCC)) has also been established to advocate for an insurance coverage for future pandemic-related losses. The BCC is recommending the establishment of a pandemic risk insurance programme that would support the availability of affordable non-damage business interruption coverage as well as respond to emerging insurance coverage gaps in other lines of business such as event cancellation, workers compensation and general and employment practices liability. The coverage would be distributed by the insurance sector and available to businesses of all sizes with subsidised premium rates. Payments would be made on a parametric basis triggered by national health declaration and business closure orders made at the state-level. The programme would encourage insurers to assume some portion of the risk and make use of international reinsurance and capital markets to assume some of the risk taken by government (Business Continuity Coalition, 2020[85]). Table 1 provides a comparison of some of the common design features across the various proposals.Box.6. The scope for international cooperationCOVID-19 has become a truly global event that has created similar challenges for the insurance and reinsurance sector (and for policyholders) in almost every country around the world. Responding to these challenges will require a global response. There is a significant opportunity for countries to share lessons and experience from both existing catastrophe risk insurance programmes as well as from the analyses and examinations that are being invested in developing a response to COVID-19. There may also be opportunities to examine the potential benefits of risk-sharing arrangements across countries for the extreme events. For example, in the case of nuclear insurance, a number of national nuclear insurance pools have entered into reinsurance arrangements with other national nuclear insurance pools with the aim of ensuring sufficient overall capacity to address the losses from a major event (Nuclear Pools, n.d.[86]). Ultimately, international cooperation can support a response that meets the policy objectives of governments and the financial needs of businesses and their insurers.Table 1. Overview of selected pandemic risk insurance programme proposalsProposalDistributionType of coveragePerilsEligible policyholdersCoverage triggerGovernment involvementEIOPA (Europe)Insurance sector (bundled with other coverage)Non-damage business interruption (potentially parametric)PandemicSMEs (potentially)Not specifiedNational government (third risk layer)Europe (fourth risk layer)CATEX (Federation française des assureurs)Insurance sector (attached to commercial property or business interruption policies) Business interruption (resilience capital)Extraordinary events (cyber, terrorism, pandemic, etc.)No restrictionHealth emergency declaration and closure orderReinsurance provided by public reinsurer (CCR)GDV (Germany)Insurance sector (levy or policy extension) Business interruptionPandemic (or epidemic)No restrictionWHO/German authority declaration Government retrocession/guarantee (highest layer)ReStart (Lloyd’s)Insurance sectorBusiness interruptionCOVID-19Small companies (potentially all SMEs)Evidence of health emergency and revenue declineNo requirement for government backstopRecover Re (Lloyd’s)Insurance sector (stand-alone, multi-year policy)Non-damage business interruptionPandemic and other perilsNo restrictionEvidence of health emergency and revenue declineGovernment guarantee against default on future premium paymentsBlack Swan Re (Lloyd’s)Insurance sectorNon-damage business interruption (systemic event)Systemic risk perilsNo restrictionNot specifiedGovernment backstop for reinsurance poolPandemic Risk Insurance Act (United States)Insurance sector Business interruption and event cancellationPandemic and infectious disease outbreaksNo restrictionCertification by Secretary of Health and Human Services5% industry retention and 5% industry co-insurance above retentionBusiness Continuity Protection Program (APCIA, NAMIC, Big I – United States))Insurance sector (stand-alone policy)Business interruption PandemicNo restriction (although coverage amounts are smaller for larger companies)Health emergency declaration and closure orderGovernment would pay all claimsPandemic Business Interruption Program (Chubb – United States)Insurance sectorBusiness interruption PandemicSME programme and larger company programmePandemic declaration and closure order6% retention up to USD 15 billion (SME programme)5% retention up to USD 15 billion (larger companies)Industry share to increase over timeDraft concept for facilitating pandemic protection (Zurich North America – United States)Insurance sectorBusiness interruptionPandemicNo restrictionHealth emergency declaration and closure orderGovernment reinsurance pools that would assume 90%, 95% or 100% of risk (cedant chooses cession level)Business Continuity Coalition (United States)Insurance sectorBusiness interruption and event cancellationPandemicNo restrictionHealth emergency declaration and closure orderGovernment reinsurance for 95% of losses (first event) and 90% of losses (second event)Annex A. Catastrophe risk insurance programmes. In a number of countries, insurance programmes or pools have been established, usually with the support of the public sector, to provide insurance coverage for certain risks and/or for certain segments of the population.12 In many cases, these programmes have been established to provide affordable insurance coverage for risks that have been deemed uninsurable through private insurance markets – although in others, the programmes have been established in order to promote solidarity in terms of loss-sharing across regions. Since 2000, approximately 40% of all economic losses due to flood, storms and earthquakes in OECD countries have been incurred in countries (or regions) covered by catastrophe risk insurance programmes.13 Overview of catastrophe risk insurance programmes. Perils covered. Some of these programmes have a broad scope, covering multiple perils and lines of insurance. For example, the Consorcio de Compensación de Seguros (CCS) in Spain provides insurance coverage for residential and commercial property, motor vehicles as well accident and sickness against a broad range of both natural and man-made perils. Others are focused on specific (high-risk) perils (e.g. earthquake in Japan or wind in the US state of Florida), specific lines of business (e.g. residential property for natural hazards or commercial property in the case of terrorism) or even a particular exposed segment (e.g. residential property at high-risk of flooding in the United Kingdom). Type of coverage provided. There is a broad range of approaches to providing programme coverage. Some programmes offer direct (primary) insurance while others provide a reinsurance coverage. Many of the terrorism insurance programmes (and some natural catastrophe insurance programmes) are organised as co-insurance pools that collectively access reinsurance and (in some cases) a government backstop. The US Terrorism Risk Insurance Program is a federal backstop administered as a co-insurance arrangement that shares losses between the government and insurance companies at a defined ratio once losses exceed a specific threshold. Table A.1 provides an overview of the types of insurance programmes for catastrophe risk that have been established in OECD and a few non-OECD countries and territories. TableA.1. Catastrophe risk insurance programmes ProgrammeRisks coveredType of insurance Public sector involvementAustraliaAustralian Reinsurance Pool Corporation (ARPC)TerrorismReinsuranceARPC is a government enterpriseBackstop for losses above ARPC capacity and up to AUD 10 billionAustriaÖsterreichischer Versicherungspool zur Deckung von Terrorrisiken (OVDT)TerrorismCo-insurance/ ReinsuranceNoneBelgiumTerrorism Reinsurance and Insurance PoolTerrorismCo-insurance/ ReinsuranceBackstop for losses above TRIP capacity and up to EUR 300 millionDenmarkDanish Storm CouncilStorm surge and inland floodDirect insurance The Storm Council is a public entity that provides compensation for damages funded by a tax on fire insurance policies.Danish Terrorism Insurance Pool for Non-Life Insurance (TIPNLI)Terrorism (NBCR)Direct insuranceCoverage provided for up to DKK 15 billion FranceCaisse centrale de réassurance (CCR)Flood, earthquake, tsunami, landslide, mudslide, avalanche, subsidence and cyclonic winds; terrorism ReinsuranceCCR is a government entity backed by an unlimited government guaranteeGestion de l'Assurance et de la Réassurance des risques Attentats et actes de Terrorisme (GAREAT)TerrorismCo-insurance/ ReinsuranceGAREAT’s reinsurance coverage is provided by private reinsurers and CCR (government entity)GermanyExtremusTerrorismDirect insuranceBackstop for losses above Extremus capacity and up to EUR 6.48 billionIcelandNatural Catastrophe Insurance of Iceland (NTI)Volcanic eruptions, earthquakes, landslides, avalanches, floodDirect insuranceNTI is a government entity backed by an unlimited government guaranteeJapanJapan Earthquake Reinsurance (JER)Earthquake, volcanic eruptions, tsunamiReinsuranceLosses above a certain threshold are shared by the government and industryNetherlands Nederlandse Herverzekeringsmaatschappij voor Terrorismeschaden (NHT)TerrorismReinsuranceBackstop for losses above NHT capacity and up to EUR 50 millionNew ZealandEarthquake Commission (EQC)Earthquake, volcanic eruptions, tsunami, landslides, storm/flood (for land only)Direct insuranceEQC is a government entity backed by an unlimited government guaranteeNorwayNorsk NaturskadepoolFlood, storm, landslide, avalanche, volcanic eruption, earthquakeCo-insuranceEstablished by legislationSpainConsorcio de Compensación de SegurosFlood, earthquake, tsunami, volcanic eruption, windstorm, terrorism Direct insuranceCCS is a government entity backed by an unlimited government guarantee (although self-financed with its own capital and reserves)SwitzerlandKantonalen Gebäudeversicherungen (19 cantons) (e.g. Neuchâtel)1Flood, cyclone, hail, avalanche, landslide (as well as fire)Direct insuranceEstablished by legislationInterkantonale Rückversicherungsverband (IRV)Flood, cyclone, hail, avalanche, landslide (as well as fire)Reinsurance for cantonal insurersEstablished by legislationSchweizerische Pool für ErdbebendeckungEarthquakeDirect insurance (compensation)NoneSchweizerischer Elementarschadenpool of the private insurance sectorFlood, cyclone, hail, avalanche, landslideCo-insuranceNoneTurkeyTurkish Catastrophe Insurance Pool (TCIP)Earthquake, tsunami, landslide (and other perils triggered by earthquake)Direct insuranceTCIP has access to EUR 250 million in reinsurance provided by the government.United KingdomFlood ReFloodReinsuranceEstablished by legislationPool ReTerrorismReinsuranceBackstop for losses above Pool Re capacity (not sure if maximum)United StatesNational Flood Insurance Program (NFIP)FloodDirect insurance and risk management programNFIP is administered by the Federal Emergency Management Agency (a government agency)The NFIP collects premiums and has the authority to borrow from the US Treasury. NFIP has transferred part of its risk to private reinsurance companies and capital market investors Terrorism Risk Insurance ProgramTerrorismCo-insuranceFederal government backstop through co-insurance for losses above industry loss of USD 200 million with cap on overall losses of USD 100 billion annuallyCalifornia Earthquake AuthorityEarthquakeDirect insuranceEstablished by legislationCitizens Property Insurance Corporation (Florida)2Storm (wind)Direct insuranceCitizens is a state government entityFlorida Hurricane Catastrophe Fund (FHCF)Storm (wind)Reinsurance (reimbursement)Established by legislation and administered by a government agencyChinaChina Residential Earthquake Insurance Pool (CREIP)EarthquakeDirect insurance (co-insurance pool)The co-insurance pool is reinsured by a state-owned reinsurerIndiaIndian Market Terrorism Risk Insurance PoolTerrorismCo-insurance/ ReinsuranceThe co-insurance pool is reinsured by a state-owned reinsurerRomaniaPool-ul de Asigurare împotriva Dezastrelor Naturale (PAID)Earthquake, flood, landslide Direct insuranceGovernment is lender of last resort for losses beyond PAID’s financial capacityRussian FederationRussian Anti-Terrorism Insurance PoolTerrorism (and SRCC)Co-insurance/ ReinsuranceNoneAssistance for damaged and lost dwellings with priority of insurance indemnityFire, flood and other natural disastersCo-insurance/ReinsuranceLosses are shared by the government and industrySouth AfricaSasriaTerrorism (and SRCC) Direct insuranceSASRIA is a government entity although is not backstopped by an explicit guaranteeChinese TaipeiTaiwan Residential Earthquake Insurance Fund (TREIF)Earthquake, tsunami, landslide (and other perils triggered by earthquake)ReinsuranceTREIF may seek access to government collateral to support funding for losses beyond TREIF’s financial capacity Note: 1 As noted, there are public cantonal insurers in 19 Swiss cantons. The information provided in the table is for the Établissement cantonal d'assurance et de prevention in the canton of Neuchâtel (as an illustrative example). 2There are a number of other pooled and/or residual insurance arrangements for wind risk in other states, including Alabama, Georgia, Louisiana, Mississippi, North Carolina (the North Carolina Coastal Property Insurance Pool, formerly known as the Beach Plan), South Carolina and Texas (the Texas Windstorm Insurance Association).. Similar to Citizens in Florida, these programmes are aimed at making insurance coverage available to households that are unable to secure coverage in the private market.Source: (OECD, 2020[87]), (OECD, 2018[88]), (OECD, 2016[89]), (IFTRIP, 2017[90]), (World Forum of Catastrophe Programmes, n.d.[91])The different approaches lead to different outcomes in terms of: (i) achieving a broad level of coverage for catastrophe perils (or the specific peril targeted); (ii) improving the affordability of coverage for targeted perils; (iii) maximising the role of private markets; and (iv) providing incentives for risk reduction. The following section provides a brief discussion of good practices for achieving these outcomes.Achieving broad coverage for targeted peril(s). An obvious indicator of a catastrophe risk insurance programme’s success is the extent to which the intervention achieves broad coverage for the targeted peril(s), whether through the programme directly or in combination with coverage provided by the private insurance market. To achieve this, a number of countries impose requirements such as:Policyholders are required to purchase coverage for the targeted perils (e.g. Iceland, some Swiss cantons, Belgium for terrorism in some lines of business); Insurance companies are required to include coverage automatically (e.g. France, Spain, Australia for terrorism14) or make coverage available (e.g. Japan and California for earthquake, United States for terrorism); or Lenders are required to ensure that their borrowers are properly insured (e.g. United States for flood in designated high-risk flood zones). In general, the share of losses insured tends to be higher where the purchase of insurance is mandatory or where standard property policies are automatically extended to include coverage for the targeted peril(s) (New Zealand and Chinese Taipei in the case of earthquakes, France, Norway, Spain and Switzerland for the broader set of perils)15 (see Figure A A.1).Figure A A.1. Insured share of losses for perils covered by catastrophe risk insurance programmesNote: For the purposes of this calculation, catastrophe risk insurance programmes include Denmark (storm), France (storm, flood, earthquake), Iceland (storm, flood, earthquake), Japan (earthquake), New Zealand (earthquake), Norway (storm, flood, earthquake), Romania (storm, flood, earthquake), Spain (storm, flood, earthquake), Chinese Taipei (earthquake) and Turkey (earthquake) as well as Switzerland (flood and storm, depending on the canton that was mainly impacted) and the United States (flood, earthquake (California), and storm (if the main impacts occurred in Alabama, Florida, Georgia, Mississippi, North Carolina, South Carolina or Texas)). It should be noted that in France and Spain, only some storm events are covered by the catastrophe risk insurance programme as these programmes include a wind speed threshold.Source: OECD calculations based on (Swiss Re sigma, 2019[92]).Improving the affordability of coverage. By pooling a large share of a country’s exposure to a given peril (or set of perils), a catastrophe risk insurance programme might be able to achieve a lower aggregate cost of coverage than individual insurers could achieve on their own. Risk diversification. A single pool providing coverage for all of a country’s building stock, for example, would create a more diversified portfolio of risks than any insurance company could achieve on its own (without a 100% market share).16 An insurance company (or pool) with a higher level of risk diversification will have lower economic and (often regulatory) capital needs (other things equal) and can therefore offer lower pricing. Reduced cost of reinsurance . Also, the cost of reinsurance tends to decline as the level of diversification increases so the cost to reinsure a single (diversified) pool of risks should be lower than the aggregate cost of reinsuring multiple (less diversified) pools of risks – which also should contribute to lower pricing for the policyholder. Lower capital required . An assessment of the amount of capital required to protect against a 1-in-100 hurricane affecting eight US states was found to be 45% less (USD 71 billion instead of USD 130 billion) if the states pooled their risks rather than covering the risk independently (Dumm, Johnson and Watson, 2015[93]). The impact of a catastrophe risk insurance programme on improving affordability will be greatest where the programme is able to establish a highly diversified pool of risks. Limiting public sector exposure. An important objective of catastrophe risk insurance programmes should be to limit the exposure of the public sector to losses from the targeted peril – potentially by maximising the contribution of private markets to providing coverage. The catastrophe risk insurance programmes that have been established for various perils aim to achieve this objective through a variety of approaches.Coverage limits. Some programmes that provide government-backed direct insurance limit public sector exposure by placing ceilings on the amount of coverage available (New Zealand, Romania, Chinese Taipei, Turkey, United States (flood) – Japan’s Basic Earthquake Insurance policy is also limited although the government-backed coverage is provided through reinsurance). In some of these cases, coverage is limited to an amount that is significantly below the sum insured under the standard property insurance policy which limits the government’s potential exposure. In a few countries (e.g. New Zealand), the private market has developed coverage for amounts above the limits imposed by the catastrophe risk insurance programme although in most countries, losses above the basic coverage are often uninsured (see Figure A A.1). Risk selection. Programmes can also be made available only to policyholders who are not adequately served by the private market. The insurance coverage for terrorism provided by Extremus in Germany (which benefits from a government backstop) is only available as an endorsement for policies with sums insured above EUR 25 million as the market is able to provide coverage against terrorism for smaller coverage levels. Some US states have residual market mechanisms that act as insurers of last resort and will only accept policyholders that can demonstrate that they could not access coverage at a reasonable cost in the private market. Flexibility to leverage market capacity. Many programmes provide government-backed coverage as reinsurance (or as a backstop through co-insurance in the United States for terrorism) which usually means that, through the use of retention requirements, direct insurers will absorb most or all losses for smaller-scale events and only high loss events above the threshold would be covered by the programme. Some countries adjust the level of direct insurer retention over time, either based on specific measures of the capacity of the private market (e.g. Japan for earthquake) or with the aim of increasing the private market’s share of risk over time (Australia, United Kingdom, United States for terrorism, see Box A A.1). In the United States, the trigger for Terrorism Risk Insurance Act backstop is set at a level where direct insurers will often seek private reinsurance to cover losses below the programme trigger. Many of the catastrophe risk reinsurance programmes make reinsurance available but do not require direct insurers to make use of that reinsurance capacity (Australia, United States for terrorism, United Kingdom for terrorism and flood, France for natural catastrophe risk and for terrorism risk coverage for smaller companies) which allows direct insurers to retain the risk if they have sufficient capacity or transfer the risk to private market reinsurers. Returning risk to the market. Most catastrophe risk insurance programmes make use of private market reinsurance (for programmes that provide direct insurance coverage) or retrocession (for programmes that provide reinsurance coverage). Many of the terrorism (re)insurance programmes operate as co-insurance pools that jointly access reinsurance coverage from private reinsurance markets (Austria, Belgium, France, India, Russian Federation) while programmes providing reinsurance tend to access private retrocession markets to increase their claims-paying capacity for large (infrequent) events (Australia and United Kingdom for terrorism, Turkey for earthquake). Japan Earthquake Reinsurance retrocedes a part of its exposure back to direct insurers. As noted above, the pooling of risk prior to transferring that risk to the market can have cost-saving benefits.Box A A.1. Increasing the sharing of terrorism risk with private markets: Australia, United Kingdom and United StatesIn Australia, the United Kingdom and the United States, a number of changes have been made to terrorism (re)insurance programmes in order to increase the share of risk retained by (or transferred to) private (re)insurance markets:In Australia, deductibles (retentions) are established (per event) as a share of fire insurance premiums and subject to both a company minimum and maximum deductible and an industry-wide maximum deductible. Since 2007, the company-specific deductible has been increased to 5% of the company’s fire insurance premium (from 4%) and a minimum deductible of AUD 100 000 has been implemented. Maximum company and industry-wide deductibles have been increased from AUD 10 million to AUD 12.5 million and from AUD 100 million to AUD 200 million, respectively. ARPC has also developed a retrocession programme to increase its capacity to absorb losses before calling on the government guarantee. In the United Kingdom, a per event industry deductible is applied and has been increased from GBP 100 million to GBP 150 million. Pool Re has also transferred a significant amount of risk to retrocession markets in recent years.In the United States, the co-insurance provided under the Terrorism Risk Insurance Act is only available for events that lead to industry losses above USD 200 million (an increase from USD 100 million in 2015). Individual company deductibles have increased from 15% of TRIA-eligible premiums to 20% (i.e. premiums written in lines of business that are eligible for coverage under the Act) while the industry share of losses once the programme is triggered has increased from 15% to 20%.These changes have led to a significant increase in the share of losses that would be covered by private insurance companies and a corresponding reduction in government exposure. For example, based on an estimate of the losses incurred after the September 11th terrorist attacks and a simplified application of the programme triggers and thresholds in place in 2017, the amount of losses that would not be covered by the programmes (and left to be absorbed by policyholders or the state) would decline by approximately USD 4 billion in Australia, USD 2.7 billion in the United Kingdom and USD 800 million in the United States (see Figure A A.2).Figure A A.2. Estimated impact of terrorism (re)insurance programme changes on loss distributionNote: The distribution of losses was estimated based on insured loss estimates provided in (Swiss Re sigma, 2019[92]) and the terms of coverage of each terrorism insurance programme in 2017 and 2007 (or 2014 in the case of the United Kingdom). A number of simplifying assumptions were made, including: (i) that all reported losses fell within the scope of coverage of the programmes; and (ii) related to the market share of different primary insurers (required for the calculation of applicable deductibles in Australia, United Kingdom and United States – simplified with the assumption that only the 6 largest providers of commercial insurance faced losses). Source: OECD calculationsCeiling on government exposure. Another way to limit government exposure to losses for perils targeted by catastrophe risk insurance programmes is to establish a ceiling on the amount of losses that the government will absorb. Most programmes that apply a ceiling will force losses above the ceiling to be absorbed by policyholders on a pro rata basis (Australia, Netherlands and United States for terrorism). Some programmes also reduce the ultimate public exposure by allowing or requiring insurance companies to repay the government for any amounts paid.Providing incentives for risk reduction (directly or indirectly). Insurance will make a greater contribution to managing catastrophe risks if the process of transferring these risks supports risk management. Insurance can play an important role in improving risk management by supporting risk assessment/understanding and encouraging risk reduction.Use of modelling for risk management . The (re)insurance sector has developed a strong capacity for modelling the financial consequences of catastrophe risks, whether natural or man-made. This modelling capacity has broader (if underutilised) applications to other aspects of risk management, including for informing land-use planning and building code development as well as in decisions on investing in structural mitigation infrastructure. The need for private sector (re)insurers to accurately price and provision for the occurrence of catastrophe events has driven the development of the modelling industry which means that model availability and sophistication is generally highest where private (re)insurers play a large role in providing coverage for catastrophe perils. Programmes that maximise the role of private insurance markets are therefore more likely to support the development of a modelling industry and its derivative benefits.17 Pricing that reflects risk reduction. Pricing for insurance (or reinsurance) coverage that varies by level of risk should provide an incentive for policyholders (or insurers) to invest in risk reduction (or ensure underwriting discipline) in order to lower the cost of that coverage. While a number of catastrophe risk insurance programmes have implemented pricing that varies by risk zone or building type – none have implemented an approach to pricing their insurance, reinsurance or co-insurance coverage that provide significant incentives for reducing risk. Implementing variable pricing (and particularly, premium reductions for risk mitigation measures) is a challenge for many types of perils (and potentially impossible for some) although advances in modelling will continue to support the ability of these programmes to price their coverage based on more granular assessments of risk. Risk reduction pre-requisites. Some programmes include specific risk reduction requirements as part of programme design – which is particularly relevant in countries where important risk management decisions are made at different levels of government. For example, the US National Flood Insurance Programme is only made available in communities that have agreed to implement certain floodplain management techniques. In France, deductibles are increased for properties that face repetitive losses if the municipality has not implemented a risk reduction plan. In the United Kingdom, the reinsurance coverage made available through Flood Re is only available for properties constructed after 2009 which is meant to ensure that new developments only occur in areas where insurers are willing to provide coverage without Flood Re backing.References. 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Mamiko YOKOI-ARAI (✉ [email protected])Leigh WOLFROM (✉ [email protected])Notes. ← 1. In some countries (e.g. Germany), business interruption coverage may not require physical damage although pandemic-related exclusions may apply. ← 2. In Switzerland, for example, some policies were found to provide coverage for business interruption resulting from the presence of a virus or infectious disease but not in the context of a pandemic.← 3. The ACPR found that, in the case of the 93% of policyholders whose coverage would not respond to COVID-19-related business interruption losses, the vast majority had business interruption coverage that would only be triggered by physical damage to the insured’s property while only a few had policy wordings that excluded pandemic as a peril for the purposes of administrative business closures (ACPR, 2020[13]).← 4. Just under 13% of the 210 454 claims submitted remained open as of November 2020 (NAIC, 2020[15]).← 5. Gaps in coverage may exist (or may emerge as a result of COVID-19) across other lines of business (e.g. event cancellation, health or various liability coverages) which may also need to be addressed through through some form of catastrophe risk insurance programme. ← 6. Although, as noted above, insurers in a number of jurisdictions offer business interruption coverage that can be triggered without property damage and therefore any disputes are focused on other elements of the terms and conditions. For example, in Switzerland, many of the disputes are centred around whether a pandemic (rather than an epidemic or other infectious disease outbreak) precludes coverage in some policies.← 7. For the purposes of this assessment, it is assumed that insurance would cover 50% of estimated business revenue losses insured for one month and that insurers would achieve a 65% loss ratio (based on the average non-life loss ratio achieved by insurers in OECD countries). ← 8. The estimates are provided for a 1-in-100 year return period (as the last global respiratory disease pandemic occurred approximately 100 years ago) and a 1-in-35 year return period based on the potential for increased frequency (and consistent with estimates published by The Geneva Association of a 1-in-30 to 1-in-40 year return period (Schanz, 2020[104])).← 9. In many solvency requirement frameworks, insurers can reduce the amount of capital that they hold for a given level of liabilities to account for the level of diversification in their portfolio (as, for most perils, not all policyholders will be affected simultaneously). It would be difficult to demonstrate that liabilities for business interruption losses from an infectious disease outbreak with potentially global implications are diversified and should benefit from a capital requirement deduction. This lack of diversification applies especially for monoline insurers. For insurers with multiple lines of business, there is risk diversification between pandemic losses and losses from other lines such as earthquake, fire or motor.← 10. Not all infectious disease outbreaks will necessarily result in a global pandemic and therefore some diversification benefits may be possible to achieve.← 11. There has been very limited use of alternative risk transfer markets for the coverage of pandemic risks (and no experience focused on business interruption) which would likely lead to a higher cost for such coverage in the short-term. That said, Lloyd’s has recently indicated an interest in examining the potential for capital markets to provide capacity for pandemic-related business interruption coverage (Lloyd’s, 2020[77]).← 12. There are also a number of catastrophe risk insurance programmes that provide governments with a source of funding for emergency response and recovery, usually established on a regional basis in order to benefit from geographic diversification (e.g. CCRIF in the Caribbean and Central America, PCRIC in the Pacific Islands and SEADRIF in South East Asia). ← 13. OECD calculations based on (Swiss Re sigma, 2019[92]). For the purposes of this calculation, catastrophe risk insurance programmes include Denmark (storm), France (storm, flood, earthquake), Iceland (storm, flood, earthquake), Japan (earthquake), New Zealand (earthquake), Norway ((storm, flood, earthquake), Spain (storm, flood, earthquake) and Turkey (earthquake) as well as Switzerland (flood and storm, depending on the canton that was mainly impacted) and the United States (flood, earthquake (California), and storm (if the main impacts occurred in Alabama, Florida, Georgia, Mississippi, North Carolina, South Carolina or Texas)). It should be noted that in France and Spain, only some storm events are covered by the catastrophe risk insurance programme as these programmes include a wind speed threshold.← 14. In Australia, this is achieved by the voiding of terrorism exclusions in the event that a terrorist incident is declared.← 15. In Romania and Turkey, there are requirements to purchase insurance coverage for earthquakes (as well as floods and landslides in Romania) although there are challenges in both countries in enforcing these requirements. ← 16. However, it should be noted that the establishment of a single pool for all risk also creates an accumulated exposure which would likely increase the need for public-sector backing.← 17. Catastrophe risk insurance programmes in some countries have also played a large role in supporting the development of catastrophe models for the perils that they cover, particularly where the peril is not widely covered by private insurance markets (e.g. terrorism). 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(2020), COVID-19 Business Interruption Cover - Test Case? Not In Ireland, Clyde & Co, https://www.clydeco.com/en/insights/2020/08/covid-19-business-interruption-cover-test-case-not (accessed on 2 September 2020).  Open URLReferences[44] Makhlouf, G. (2021), Managing risk, rebuilding resilience, https://www.centralbank.ie/news/article/speech-managing-risk-rebuilding-resilience-governor-gabriel-makhlouf-11-feb-2021 (accessed on 8 March 2021).  Open URLReferences[46] Williams, L. and E. Cabban (2020), COVID-19: (Australia) COVID-19 Business Interruption Claims May Not be Subject to Pandemic Exclusions, K&L Gates, https://www.klgates.com/COVID-19-Australia-COVID-19-Business-Interruption-Claims-May-Not-be-Subject-to-Pandemic-Exclusions-11-26-2020 (accessed on 10 March 2021).  Open URLReferences[47] Collins, S. (2020), “ICA considers options after Australian insurers lose BI test case”, Insurance Day. References[48] Dowding, T. (2020), “Australian insurers to bolster solvency positions following BI test case”, Commercial Risk, https://www.commercialriskonline.com/australian-insurers-to-bolster-solvency-positions-following-bi-test-case/ (accessed on 10 March 2021).  Open URLReferences[49] ICA (2021), Business Interruption test case, Insurance Council of Australia, https://www.insurancecouncil.com.au/issues-submissions/bi-test-case (accessed on 10 March 2021).  Open URLReferences[49] ICA (2021), Business Interruption test case, Insurance Council of Australia, https://www.insurancecouncil.com.au/issues-submissions/bi-test-case (accessed on 10 March 2021).  Open URLReferences[50] ICA (2021), Second Business Interruption Test Case, Insurance Council of Australia, https://insurancecouncil.com.au/media_release/plain/616 (accessed on 10 March 2021).  Open URLReferences[51] FCA (2020), FCA seeks legal clarity on business interruption insurance alongside package of measures to help consumers and small businesses, Financial Conduct Authority, https://www.fca.org.uk/news/press-releases/fca-seeks-legal-clarity-business-interruption-insurance (accessed on 11 May 2020).  Open URLReferences[52] Jones, H. and C. Cohn (2020), “British Regulator Enlists 8 Insurers in Pandemic Test Case of Business Interruption Cover”, Insurance Journal, https://www.insurancejournal.com/news/international/2020/06/01/570541.htm (accessed on 4 June 2020).  Open URLReferences[53] Le Marquer, A. (2020), COVID-19 Business Interruption Update: Further details of FCA Test Case, Fenchurch Law, https://www.fenchurchlaw.co.uk/covid-19-business-interruption-update-further-details-of-fca-test-case/ (accessed on 3 July 2020).  Open URLReferences[54] Saville, M. and L. Burgess (2020), Full Federal Court confirms broad operation of insurer’s pandemic exclusion clause, King & Wood Mallesons, https://www.kwm.com/en/au/knowledge/insights/full-federal-court-confirms-broad-operation-of-insurers-pandemic-exclusion-clause-20201221 (accessed on 10 March 2021).  Open URLReferences[55] Ladbury, A. (2020), “Risk managers will support creation of state-backed pandemic pools to plug coverage gap”, Commercial Risk, https://www.commercialriskonline.com/risk-managers-will-support-creation-of-state-backed-pandemic-pools-to-plug-coverage-gap/ (accessed on 21 April 2020).  Open URLReferences[56] Collins, S. and B. Norris (2020), “Rims supports moves to create pandemic insurance pools”, Commercial Risk, https://www.commercialriskonline.com/rims-supports-moves-create-pandemic-insurance-pools/ (accessed on 21 April 2020).  Open URLReferences[57] Ladbury, A. (2020), “GVNW teams up with brokers to propose state-backed pandemic solution”, Commercial Risk, https://www.commercialriskonline.com/gvnw-teams-up-with-brokers-to-propose-state-backed-pandemic-solution/ (accessed on 2 September 2020).  Open URLReferences[58] Direction générale du Trésor (2020), Installation d’un groupe de travail sur le développement d’une couverture assurantielle des événements exceptionnels, Ministère de l’Économie et des Finances, https://www.tresor.economie.gouv.fr/Articles/2020/04/22/covid-19-installation-d-un-groupe-de-travail-sur-le-developpement-d-une-couverture-assurantielle-des-evenements-exceptionnels (accessed on 27 April 2020).  Open URLReferences[59] Insurance Journal (2020), “UK Insurance Industry Leaders Form Steering Group to Propose Pandemic Response, Chaired by Catlin”, Insurance Journal, https://www.insurancejournal.com/news/international/2020/04/21/565589.htm (accessed on 27 April 2020).  Open URLReferences[60] EIOPA (2020), EU has key role in pandemic insurance: Interview with Gabriel Bernardino, Chairman of EIOPA, conducted by Hannah Brenton, Politico, European Insurance and Occupational Pensions Authority, https://www.eiopa.europa.eu/content/eu-has-key-role-pandemic-insurance_en (accessed on 10 July 2020).  Open URLReferences[61] FFA (2020), La Fédération Française de l’Assurance présente sa contribution au débat sur la création d’un régime de catastrophes exceptionnelles : le dispositif CATEX, Fédération Française de l’Assurance, https://www.ffa-assurance.fr/actualites/la-federation-francaise-de-assurance-presente-sa-contribution-au-debat-sur-la-creation-un (accessed on 8 July 2020).  Open URLReferences[13] ACPR (2020), Garantie « pertes d’exploitation » : l’état des lieux de l’ACPR, Autorité de contrôle prudentiel et de résolution, https://acpr.banque-france.fr/communications-de-lacpr-dans-le-contexte-de-la-pandemie-covid-19 (accessed on 3 July 2020).  Open URLReferences[63] OECD (2020), OECD Insurance Statistics (database), OECD, https://stats.oecd.org/Index.aspx?DatasetCode=INSIND.  Open URLReferences[8] Marsh (2020), Pandemic Risk Protection: Accelerate Recovery and Build Resilience Now Through Public-Private Partnership, Marsh LLC, https://coronavirus.marsh.com/us/en/insights/research-and-briefings/pandemic-risk-protection.html (accessed on 7 June 2020).  Open URLReferences[68] Collins, S. (2020), “Exclusions loom as D&O renewals impacted by pandemic”, Commercial Risk, https://www.commercialriskonline.com/exclusions-loom-as-do-renewals-impacted-by-covid-19/ (accessed on 21 April 2020).  Open URLReferences[61] FFA (2020), La Fédération Française de l’Assurance présente sa contribution au débat sur la création d’un régime de catastrophes exceptionnelles : le dispositif CATEX, Fédération Française de l’Assurance, https://www.ffa-assurance.fr/actualites/la-federation-francaise-de-assurance-presente-sa-contribution-au-debat-sur-la-creation-un (accessed on 8 July 2020).  Open URLReferences[69] FERMA (2020), FERMA calls for EU Resilience Framework for Catastrophic Risks, Federation of European Risk Management Associations, https://www.ferma.eu/ferma-calls-for-eu-resilience-framework-for-catastrophic-risks/ (accessed on 8 June 2020).  Open URLReferences[70] NAMIC, APCIA and Big I (2020), Insurance Trades Unveil Federal Pandemic Solution, American Property Casualty Insurance Association, http://www.pciaa.net/pciwebsite/Cms/Content/ViewPage?sitepageid=60933 (accessed on 7 June 2020).  Open URLReferences[71] EIOPA (2020), Issues Paper on resilience solutions for pandemics, European Insurance and Occupational Pensions Authority, https://www.eiopa.europa.eu/content/issues-paper-resilience-solutions-pandemics_en (accessed on 2 September 2020).  Open URLReferences[72] EIOPA (2021), EIOPA staff paper on measures to improve the insurability of business interruption risk in light of pandemics, European Insurance and Occupational Pensions Authority, https://www.eiopa.europa.eu/content/eiopa-staff-paper-measures-improve-insurability-of-business-interruption-risk-light-of_en (accessed on 10 March 2021).  Open URLReferences[73] European Parliament: Committee on Industry, R. (2020), Report on a New Industrial Strategy for Europe (A9-0197/2020), European Parliament. References[61] FFA (2020), La Fédération Française de l’Assurance présente sa contribution au débat sur la création d’un régime de catastrophes exceptionnelles : le dispositif CATEX, Fédération Française de l’Assurance, https://www.ffa-assurance.fr/actualites/la-federation-francaise-de-assurance-presente-sa-contribution-au-debat-sur-la-creation-un (accessed on 8 July 2020).  Open URLReferences[74] Ladbury, A. (2020), “French pandemic insurance scheme plans near completion: AMRAE”, Commercial Risk, https://www.commercialriskonline.com/french-state-and-insurers-moving-close-to-creation-of-pandemic-scheme/ (accessed on 3 July 2020).  Open URLReferences[75] GDV (2020), Green paper: Supporting the economy to better cope with the consequences of future pandemic events, Gesamtverband der Deutschen Versicherungswirtschaf, https://www.en.gdv.de/resource/blob/59854/079826b589006ed3bd4fc7a09e64cf1a/pandemiefonds-vorschlag-download-green-paper-data.pdf.  Open URLReferences[76] Generali Group (2020), Pandemic Risk Pooling: Generali’s perspective. References[77] Lloyd’s (2020), Supporting global recovery and resilience for customers and economies: the insurance response to COVID-19, Lloyd’s, https://www.lloyds.com/news-and-risk-insight/media-centre/coronavirus-updates-hub/supporting-global-recovery-and-resilience-for-customers-and-economies (accessed on 8 July 2020).  Open URLReferences[78] Dawson, T. and D. McCarty (2020), Federal Pandemic Risk Reinsurance Program: Updated Discussion Draft of Proposed Legislation, McDermott Will & Emery, https://www.mwe.com/insights/federal-pandemic-risk-reinsurance-program-updated-discussion-draft-proposed-legislation-covid/ (accessed on 7 June 2020).  Open URLReferences[79] Sclafane, S. (2020), “Federal PRIA Bill Officially Introduced for Biz Interruption, Event Cancellation”, Carrier Management, https://www.carriermanagement.com/news/2020/05/27/207112.htm (accessed on 7 June 2020).  Open URLReferences[80] Office of Congresswoman Carolyn Maloney (2020), Rep. Maloney Joins with Industry and Trade Association Leaders to Introduce the Pandemic Risk Insurance Act, Congresswoman Carolyn Maloney, https://maloney.house.gov/media-center/press-releases/rep-maloney-joins-with-industry-and-trade-association-leaders-to (accessed on 3 July 2020).  Open URLReferences[70] NAMIC, APCIA and Big I (2020), Insurance Trades Unveil Federal Pandemic Solution, American Property Casualty Insurance Association, http://www.pciaa.net/pciwebsite/Cms/Content/ViewPage?sitepageid=60933 (accessed on 7 June 2020).  Open URLReferences[81] Hatler, P., K. Mihocik and B. Roman (2020), US Federal Business Interruption Legislation Update: Federally Funded or Private/Public Partnership?, Squire Patton Briggs, https://www.lexology.com/library/document.ashx?g=b6769e1c-7b59-4c3e-a4af-9274294ff797.  Open URLReferences[82] Sclafane, S. (2020), “Proposed Pandemic Re Corp. Would Treat Small, Large Biz Interruptions Differently”, Carrier Management, https://www.carriermanagement.com/news/2020/06/04/207430.htm (accessed on 7 June 2020).  Open URLReferences[83] Chubb (2020), Business Interruption Program for Pandemic-related Losses, Chubb, https://www.chubb.com/us-en/about-chubb/pandemic-business-interruption-program.aspx (accessed on 10 July 2020).  Open URLReferences[84] Zurich (North America) (2020), Zurich’s draft concept for facilitating pandemic protection, https://www.zurichna.com/-/media/project/zwp/zna/docs/kh/pandemic/zurich-pandemic-risk-concept-powerpoint-final.pdf?la=en&rev=474a56fd3a6140cab37083773d2bfa83&hash=EBACB3CFE7D8D7ACB63CBBAA357AAC7B (accessed on 11 March 2021).  Open URLReferences[85] Business Continuity Coalition (2020), Statement of the Business Continuity Coalition to United States Senate Committee on Commerce, Science, & Transportation Subcommittee on Manufacturing, Trade, and Consumer Protection (Hearing on “Examining the Impact of COVID-19 on the Live Event Entertainment Industry”), https://download-files.wixmp.com/ugd/d2e71d_1434ddcabf6b4f459786ca68844237b1.pdf?token=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJpc3MiOiJ1cm46YXBwOmU2NjYzMGU3MTRmMDQ5MGFhZWExZjE0OWIzYjY5ZTMyIiwic3ViIjoidXJuOmFwcDplNjY2MzBlNzE0ZjA0OTBhYWVhMWYxNDliM2I2OWUzMiIsImF1ZCI6WyJ1cm46c2VydmljZTpmaWxlLmRvd25sb2FkIl0sImlhdCI6MTYxNTQ4MTg3MSwiZXhwIjoxNjE1NTE3ODgxLCJqdGkiOiIzOWJmZmQzNWMxNGEiLCJvYmoiOltbeyJwYXRoIjoiL3VnZC9kMmU3MWRfMTQzNGRkY2FiZjZiNGY0NTk3ODZjYTY4ODQ0MjM3YjEucGRmIn1dXX0.7nGSzBi9DjzYeOxLD_gER1UZIxmu (accessed on 11 March 2021).  Open URLReferences[86] Nuclear Pools (n.d.), Nuclear Pools: About Us, Nuclear Pools, https://www.nuclearpools.com/about-us (accessed on 8 July 2020).  Open URLReferences[87] OECD (2020), Insurance coverage for cyber-terrorism in Australia, Organisation for Economic Cooperation and Development and Australian Reinsurance Pool Corporation. 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References[93] Dumm, R., M. Johnson and C. Watson (2015), “An examination of the geographic aggregation of catastrophic risk”, Geneva Papers on Risk and Insurance: Issues and Practice, Vol. 40/1, pp. 159-177, http://dx.doi.org/10.1057/gpp.2014.20.  Open DOIReferences[92] Swiss Re sigma (2019), Natural catastrophes and man-made disasters: 1990-2018 (dataset), Swiss Re. References[13] ACPR (2020), Garantie « pertes d’exploitation » : l’état des lieux de l’ACPR, Autorité de contrôle prudentiel et de résolution, https://acpr.banque-france.fr/communications-de-lacpr-dans-le-contexte-de-la-pandemie-covid-19 (accessed on 3 July 2020).  Open URLReferences[15] NAIC (2020), COVID-19 Property & Casualty Insurance Business Interruption Data Call: Part 2 - Claim and Loss Information (November 2020), National Association of Insurance Commissioners. References[104] Schanz, K. (2020), An Investigation into the Insurability of Pandemic Risk, The Geneva Association, https://www.genevaassociation.org/research-topics/socio-economic-resilience/investigation-insurability-pandemic-risk-research-report (accessed on 14 November 2020).  Open URLReferences[77] Lloyd’s (2020), Supporting global recovery and resilience for customers and economies: the insurance response to COVID-19, Lloyd’s, https://www.lloyds.com/news-and-risk-insight/media-centre/coronavirus-updates-hub/supporting-global-recovery-and-resilience-for-customers-and-economies (accessed on 8 July 2020).  Open URLReferences[92] Swiss Re sigma (2019), Natural catastrophes and man-made disasters: 1990-2018 (dataset), Swiss Re. ╳DisclaimerThis paper is published under the responsibility of the Secretary-General of the OECD. The opinions expressed and the arguments employed herein do not necessarily reflect the official views of OECD member countries.This document, as well as any data and map included herein, are without prejudice to the status of or sovereignty over any territory, to the delimitation of international frontiers and boundaries and to the name of any territory, city or area.© OECD 2021The use of this work, whether digital or print, is governed by the Terms and Conditions to be found at http://www.oecd.org/termsandconditions.Tackling coronavirus (COVID-19) - Browse OECD contributions
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  • 8
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  • 7
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  • 6
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  • 6
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Result 7
TitleCoronavirus And Travel Insurance | MoneySuperMarket
Urlhttps://www.moneysupermarket.com/travel-insurance/coronavirus/
DescriptionTravel insurance providers offering COVID-19 cover. You can compare travel insurance policies with COVID cover included from the following providers: company ...
Date
Organic Position7
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H2WithAnchors
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Result 8
TitleBest Covid Travel Insurance 2022 – Forbes Advisor UK
Urlhttps://www.forbes.com/uk/advisor/travel-insurance/best-covid-19-travel-insurance-policies/
DescriptionUse our research at Forbes Advisor UK of over 30 insurers and 80 individual policies to find the best cover for you. Get travel insurance that covers you for coronavirus
Date3 days ago
Organic Position8
H1Best Covid-19 Travel Insurance Policies Of January 2022
H2Travel Update
What are the rules governing international travel into the UK?
Which countries can I visit?
Do any insurers provide cover for red countries?
Tips for a pandemic-proof holiday
What else can your insurance cover?
Methodology
Frequently Asked Questions (FAQs)
H3Coverwise
Southdowns
CoverForYou
Able2Travel
Coverwise
Esure
RAC
Sainsbury’s Bank
Southdowns
Take out travel insurance when you book
What to look for when buying travel insurance
Check the FCDO’s travel guidelines
Check if your destination has Covid-19 restrictions in place
What protection does cover for Covid-19-related risks offer?
Does my existing travel insurance policy cover Covid-19-related risks?
Is there curtailment cover for Covid-19-related risks?
What happens if I contract coronavirus overseas?
Can I get cover for my pre-existing medical conditions?
Will my insurer cover me if my airline goes out of business?
How do I claim on my travel insurance?
H2WithAnchorsTravel Update
What are the rules governing international travel into the UK?
Which countries can I visit?
Do any insurers provide cover for red countries?
Tips for a pandemic-proof holiday
What else can your insurance cover?
Methodology
Frequently Asked Questions (FAQs)
BodyBest Covid-19 Travel Insurance Policies Of January 2022 Candiece Cyrus Forbes Staff Published: Jan 6, 2022, 5:00pm Editorial Note: Forbes Advisor may earn a commission on sales made from partner links on this page, but that doesn't affect our editors' opinions or evaluations. Find out the latest news and views on the travel sector, including what’s happening with regard to rules, restrictions and the Covid-19 testing regime, by visiting our regular travel update Thinking about a Christmas trip or a skiing holiday? Maybe you’re already hatching ideas for travel in 2022… Whether you’re staying in the UK or heading overseas, the best travel insurance with cover for Covid-related risks included can provide peace of mind that you’ll have financial protection in the event of something going wrong. To help you find the best cover we’ve analysed 80 policies from 30 insurers and scored them based on how they will keep you protected should a Covid-19-related issue arise. Treatment abroad can be extremely expensive and costs would mount further if illness or injury meant it would be necessary to repatriate you to the UK. All the policies we reviewed have medical cover including repatriation costs. {{ showMobileIntroSection ? 'Read Less': 'Read More' }} {{ showSummarySection ? hideSummaryText : showSummaryText }} Coverwise Southdowns CoverForYou Able2Travel Coverwise Esure RAC Sainsbury’s Bank Southdowns Travel Update Tips for a pandemic-proof holiday What else can your insurance cover? Methodology Frequently Asked Questions (FAQs) FEATURED PARTNER OFFER Coverwise. 5.0 Our star ratings are based on a range of criteria and are determined solely by our editorial team. See our methodology for more information. Plan. Select Platinum Medical Cover. £20 million Cancellation Cover. £6,000 Compare Quotes Plan. Select Platinum Medical Cover. £20 million Cancellation Cover. £6,000 Why We Picked It Coverwise’s Select Platinum plan provides the top medical, cancellation and curtailment cover we found. Extra Details Cancellation Cover for Covid-related risks: Yes Pros & Cons Offers some of the highest levels of cover across the board including cancellation cover (£6,000) and curtailment cover (£6,000) and medical cover of £20 million. £2,000 provided in hospital benefit. A higher level of hospital benefit is available elsewhere but this plan is still generous in all areas. £50 excess levied on claims. Cancellation Policy Details Accepted Cancellation Scenarios Fall ill with COVID-19 Are subject to compulsory quarantine before departing from the UK Are required to self-isolate, preventing you from leaving your home in your country of residence due to COVID-19 Suffer bodily injury, illness, or an unexpected complication of pregnancy Any other reason listed under ‘What is covered’ in ‘Section A – Cancellation’ of your policy wording Rejected Cancellation Scenarios You cannot travel or you choose not to travel because the Foreign, Commonwealth and Development Office (FCDO) advises against travel to your destination due to a pandemic The cancellation claim is because you will have to quarantine upon return to the United Kingdom (or your country of residence) Your claim is caused by a reason not listed under ‘What is covered’ in ‘Section A – Cancellation of your policy wording Your claim is caused by another reason listed under ‘What is not covered’ in ‘Section A – Cancellation’ of your policy wording Medical Policy Details Accepted Medical Scenarios Emergency medical treatment due to injury, illness, disease (including COVID-19), or unexpected complication of pregnancy Compulsory quarantine due to COVID-19 or other infectious disease Additional accommodation and repatriation expenses should you be unable to travel home as planned, due to an illness, injury, or unexpected complication of pregnancy (whilst abroad or on a valid UK trip) Any other reason listed under ‘What is covered’ in ‘Section B – Emergency medical and other expenses’ of your policy wording Rejected Medical Scenarios The Travel Advice Unit of the FCDO (or other regulatory authority) are advising against all or all but essential travel to your destination when you depart on your trip and your claim is related to the specific reasons for the travel advice/restrictions For example, if the FCDO advice was issued: due to COVID-19 and you contract COVID-19 due to civil unrest and you are injured because of the civil unrest Your claim is caused by another reason listed under ‘What is not covered’ in ‘Section B Emergency medical and other expenses’ of your policy wording FEATURED PARTNER OFFER Southdowns. 5.0 Our star ratings are based on a range of criteria and are determined solely by our editorial team. See our methodology for more information. Plan. Select Platinum Medical Cover. £20 million Cancellation Cover. £6,000 Compare Quotes Plan. Select Platinum Medical Cover. £20 million Cancellation Cover. £6,000 Why We Picked It The plan ranked well for medical, cancellation and curtailment cover. Extra Details Cancellation Cover for Covid-related risks: Yes Pros & Cons Offers some of the highest levels of cover across the board including cancellation cover (£6,000) and curtailment cover (£6,000) and medical cover of £20 million. £2,000 provided in hospital benefit. A higher level of hospital benefit is available elsewhere but this plan is still generous in all areas. £50 excess levied on claims. Cancellation Policy Details Accepted Cancellation Scenarios Fall ill with COVID-19 Are subject to compulsory quarantine before departing from the UK Are required to self-isolate, preventing you from leaving your home in your country of residence due to COVID-19 Suffer bodily injury, illness, or an unexpected complication of pregnancy Any other reason listed under ‘What is covered’ in ‘Section A –Cancellation’ of your policy wording Rejected Cancellation Scenarios You cannot travel, or you choose not to travel because the Foreign, Commonwealth and Development Office (FCDO) advises against travel to your destination due to a pandemic The cancellation claim is because you will have to quarantine upon return to the United Kingdom (or your country of residence) Your claim is caused by a reason not listed under ‘What is covered’ in ‘Section A – Cancellation of your policy wording Your claim is caused by another reason listed under What is not covered’ in ‘Section A – Cancellation’ of your policy wording Medical Policy Details Accepted Medical Scenarios Emergency medical treatment due to injury, illness, disease (including COVID-19), or unexpected complication of pregnancy Compulsory quarantine due to COVID-19 or other infectious disease Additional accommodation and repatriation expenses should you be unable to travel home as planned, due to an illness, injury, or unexpected complication of pregnancy (whilst abroad or on a valid UK trip) Any other reason listed under ‘What is covered’ in ‘Section B – Emergency medical and other expenses’ of your policy wording Rejected Medical Scenarios The Travel Advice Unit of the FCDO (or other regulatory authority) are advising against all or all but essential travel to your destination when you depart on your trip and your claim is related to the specific reasons for the travel advice/restrictions. For example, if the FCDO advice was issued: due to COVID-19 and you contract COVID-19 due to civil unrest and you are injured because of the civil unrest Your claim is caused by another reason listed under ‘What is not covered’ in ‘Section B – Emergency medical and other expenses’ of your policy wording” FEATURED PARTNER OFFER CoverForYou. 4.0 Our star ratings are based on a range of criteria and are determined solely by our editorial team. See our methodology for more information. Plan. Premier Medical Cover. £15 million Cancellation Cover. £6,000 Compare Quotes Plan. Premier Medical Cover. £15 million Cancellation Cover. £6,000 Why We Picked It CoverForYou’s Premier plan ranked well for cancellation cover and curtailment cover. Extra Details Cancellation Cover for Covid-related risks: Yes Pros & Cons High levels of cancellation and curtailment cover (£6,000 each). Although this plan does not provide as much medical cover as its competitors above, it is still generous (£15 million). Medical excess (£50) and cancellation excess (£50) is payable on claims. A higher level of hospital benefit is available elsewhere but this plan is still generous in all areas. Cancellation Policy Details Accepted Cancellation Scenarios You fall ill with COVID-19 (or other Pandemic illness) at home and cannot travel. Covered as standard. Subject to medical certification / test result. No cover if symptoms or diagnosis occurred prior to your policy purchase You or a household member has to self isolate at home and cannot travel. Covered as standard. Subject to medical certification / test result. No cover if you were requested to isolate prior to your policy purchase New Government or other regulatory authority restrictions that did not exist at time of purchasing insurance/booking holiday are later introduced due to a non-pandemic illness and preventing you from travelling. Covered as standard New travel restrictions which did not exist at time of purchasing insurance/booking holiday are introduced by the Government in relation to a non-pandemic illness requiring you to quarantine upon arrival and you are no longer able to travel. Covered as standard You are due to stay with family. A family member who you are due to stay with has to self isolate due to pandemic illness You wish to cancel trip as you no longer have anywhere to stay. Covered as standard. Subject to medical certification / test result You have been made redundant and cannot afford to travel anymore. Covered as standard. There is no cover under your policy for circumstances known to you at the point of purchase Your airline goes into administration due to the pandemic. Covered as standard. Subject to your chosen level of cover including Scheduled Airline Failure Your travel provider (other than an airline) goes into administration due to the pandemic Covered as standard. Subject to your chosen level of cover including End Supplier Failure Rejected Cancellation Scenarios You are due to travel but the country to which you are travelling have since introduced a quarantine period upon your arrival. You no longer wish to travel and want to cancel your holiday. No cover. Your policy does not cover any claim due to quarantine requirements at your destination Government or other regulatory authority restrictions due to a pandemic were already in place at time of purchasing insurance / booking holiday and restrictions remain in place at time of departure preventing you from travelling. No Cover. There is no cover under yourpolicy for circumstances known to you at the point of purchase or to cancel the trip due to apandemic Current government restrictions are removed but are later reinstated due to COVID-19 pandemic (or other Pandemic illness) and prevent you from travelling. No Cover. Your policy does not cover cancellation due to a pandemic No government restrictions are in place at time of purchasing insurance/booking holiday. A new pandemic is declared and government restrictions are put in place and prevent you from travelling. No Cover. Your policy does not cover cancellation due to a pandemic Government restrictions are introduced due to a pandemic that do not restrict you from travelling to your destination but require you to be quarantined on return from your trip. You no longer wish to travel and want to cancel your holiday. No Cover. Your policy does not cover cancellation due to a pandemic or disinclination to travel You are due to travel but hear that there are a number of cases of a pandemic illness near where you are staying. You no longer wish to travel and want to cancel your holiday. No Cover. Your policy does not cover disinclination to travel You are or have recently been furloughed and no longer wish to travel. No Cover. Your policy does not cover disinclination to travel You booked your trip to attend a specific event (i.e. Wedding, Sporting Event, Trade Show) which has been cancelled. You no longer wish to travel and want to cancel your trip.No Cover. Your policy does not cover disinclination to travel for any reason (including due to event cancellation) You booked your flight and hotel separately. Your flight is proceeding as planned but your hotel has cancelled your booking, there are other hotels available but you do not wish to travel if you cannot stay at your originally planned hotel. No Cover Your policy does not cover disinclination to travel for any reason (including due to a change of venue) You are due to travel and your hotel advises that certain facilities may now be restricted or closed during your stay. You no longer wish to travel and want to cancel your holiday. No Cover. Your policy does not cover disinclination to travel for any reason (including lack of advertised facilities at your hotel or venue) Your holiday has been cancelled due to a pandemic and your provider is only offering you a voucher rather than a refund. No Cover. Your policy only covers irrecoverable  losses. Please note that in most cases you will have a legal right to a refund and should take the matter further with your provider You are due to travel to pre-booked accommodation as a group of households however local restrictions have limited the number of households that may stay in the same accommodation. You are unable to travel and want to cancel your holiday. (i.e. Three households have booked a cottage and government restrictions limit to two households in one accommodation). No Cover This is not an insured peril under your policy Medical Policy Details Accepted Medical Scenarios You fall ill with COVID-19 (or other Pandemic illness) abroad and need to be repatriated to the UK Covered as standard. No cover if travelling against government or other regulatory authority (i.e. FCDO) or medical advice You fall ill with COVID-19 (or other Pandemic illness) abroad and you need to extend your stay as a result of Coronavirus incurring additional costs. Covered as standard. No cover if travelling against government or other regulatory authority (i.e. FCDO) or medical advice FEATURED PARTNER OFFER Able2Travel. 4.0 Our star ratings are based on a range of criteria and are determined solely by our editorial team. See our methodology for more information. Plan. A2T Platinum CYTI Medical Cover. £10 million Cancellation Cover. £5,000 Compare Quotes Plan. A2T Platinum CYTI Medical Cover. £10 million Cancellation Cover. £5,000 Why We Picked It This plan offers generous cancellation and curtailment cover. Extra Details Cancellation Cover for Covid-Related Risks: Yes Pros & Cons Generous level of cancellation and curtailment cover (£5,000 each). Good amount of hospital benefit (£2,000) Lower level of medical cover (£10 million). Medical excess (£50) and cancellation excess (£50) is payable on claims. Cancellation Policy Details Accepted Cancellation Scenarios Pro-rata costs of the unused travel and accommodation costs (including unused pre-booked excursions up to a value of £100) that have been paid or where there is a contract to pay that cannot be recovered from anywhere else if the cancellation or curtailment of your trip is necessary and unavoidable as a result of you dying or you suffering accidental bodily injury, or you testing positive for Coronavirus (Covid-19) within 14 days of your trip departure date, or you being admitted to hospital due to testing positive for Coronavirus (Covid-19) since you purchased your policy or you suffering an unexpected Illness. Rejected Cancellation Scenarios Any claim if, at the time your policy starts or booking a trip, whichever was the later, any person on whom the trip depends including the person with whom you are travelling or have arranged to travel, a person with whom You have arranged to reside with temporarily, a relative, friend or business colleague had a medical condition for which he or she:• was receiving treatment at hospital (other than where they go to hospital for check-ups for a stable condition, at regular intervals which have been arranged beforehand);• was waiting for a hospital consultation, investigations or treatment (other than where they go to hospital for check-ups for a stable condition, at regular intervals which have been arranged beforehand);• had been given a terminal prognosis, or been told that their condition is likely to get worse in the next 12 months.• any claims arising directly or indirectly from Coronavirus (Covid-19):• if you do not have an official positive test result confirming your diagnosis within 14 days of your trip departure date, or you have not been admitted to hospital due to testing positive for Coronavirus (Covid-19) since you purchased your policy;• if you are advised to quarantine or you choose to self- isolate due to a person you have come into contact with having Coronavirus (Covid-19);• under ‘you are covered’ points b., c., d. or e.; if a medical professional advises you not to travel as you have underlying health conditions that place you ’at a higher risk’ from Coronavirus (Covid-19);• as a result of Foreign, Commonwealth & Development Office (FCDO) advice against all (or all but essential) travel to your intended destination;• as a result of local government restrictions or directives prohibiting or restricting entry (for example, self isolation, quarantine or lockdown measures) to your intended destination or on your return home;• any costs of Coronavirus (Covid-19) testing, unless you are admitted to hospital as an in-patient outside of your home country, as a result of an accident or illness that is covered under section 2 – emergency medical expenses and repatriation.• any claim directly or indirectly related to the fear or threat of a pandemic and/or epidemic, including but not limited to Coronavirus (Covid-19). Medical Policy Details Accepted Medical Scenarios Reasonable costs necessarily incurred as a result of you sustaining accidental bodily injury, unexpected illness (including with symptoms of or testing positive for Coronavirus (Covid-19)), or death during your trip in respect of;a. emergency medical, surgical and hospital treatment and transportation. At the sole discretion of our nominated emergency service, who reserve the right to make the final decision as to whether or not it is medically necessary, this also includes the cost of repatriation to your home country, by whatever means deemed medically necessary;b. additional travel and accommodation expenses (on a bed & breakfast basis) to enable you to return home if you are unable to travel as originally planned. A maximum amount of £2,000 per insured person applies if you have to extend your trip because you have tested positive for Coronavirus (Covid-19).c. additional travel and accommodation expenses (on a bed & breakfast basis) for a travelling companion to stay with you and accompany you home, or a relative or friend to travel from your home country to stay with you and accompany you home subject to you obtaining approval from our nominated emergency service prior to incurring any cost. This is extended for up to two people if you are under 18 years of age.d. returning your remains to your home or of a funeral in the country where you died, up to the equivalent cost of returning your remains to your home country.e. with the prior agreement of our nominated emergency service, your necessary additional travel expenses to return home following the death, injury or illness of a travelling companion insured by us or of your (or your travelling companion’s) relative or business colleague in your home country. Rejected Medical Scenarios Any directly or indirectly related claims if you or your travelling companions have any condition (including Coronavirus (Covid-19)) that has been suffered or for which medical advice (including routine check-ups), investigation, treatment or medication has been received within the 24 months prior to the date that this insurance was arranged or the date that you subsequently made arrangements for a trip (on an annual multi-trip policy) or you extended the original period of your insurance. We may agree not to apply the above or to accept this insurance at special terms but only if you supply us with details of your condition. Please contact Able2Travel on 01483 806825. Any costs of Coronavirus (Covid-19) testing, unless you are admitted to hospital as an in-patient outside of your home country, as a result of an accident or illness that is covered under section 2 – Emergency Medical Expenses and Repatriation. FEATURED PARTNER OFFER Coverwise. 4.0 Our star ratings are based on a range of criteria and are determined solely by our editorial team. See our methodology for more information. Plan. Select Gold Medical Cover. £20 million Cancellation Cover. £3,000 Compare Quotes Plan. Select Gold Medical Cover. £20 million Cancellation Cover. £3,000 Why We Picked It The plan offers generous medical cover and hospital benefit. Extra Details Cancellation Cover for Covid-Related Risks: Yes Pros & Cons Generous level of medical cover (£20 million) £2,000 provided in hospital benefit Lower levels of cancellation and curtailment cover (£3,000 each) Medical excess (£50) and cancellation excess (£50) payable on claims Cancellation Policy Details Accepted Cancellation Scenarios Fall ill with COVID-19Are subject to compulsory quarantine before departing from the UK Are required to self-isolate, preventing you from leaving your home in your country of residence due to COVID-19 Suffer bodily injury, illness, or an unexpected complication of pregnancy Any other reason listed under ‘What is covered’ in ‘Section A – Cancellation’ of your policy wording Rejected Cancellation Scenarios You cannot travel or you choose not to travel because the Foreign, Commonwealth and Development Office (FCDO) advises against travel to your destination due to a pandemic The cancellation claim is because you will have to quarantine upon return to the United Kingdom (or your country of residence) Your claim is caused by a reason not listed under ‘What is covered’ in ‘Section A – Cancellation of your policy wording Your claim is caused by another reason listed under ‘What is not covered’ in ‘Section A – Cancellation’ of your policy wording Medical Policy Details Accepted Medical Scenarios Emergency medical treatment due to injury, illness, disease (including COVID-19), or unexpected complication of pregnancy Compulsory quarantine due to COVID-19 or other infectious disease Additional accommodation and repatriation expenses should you be unable to travel home as planned, due to an illness, injury, or unexpected complication of pregnancy (whilst abroad or on a valid UK trip) Any other reason listed under ‘What is covered’ in ‘Section B – Emergency medical and other expenses’ of your policy wording Rejected Medical Scenarios The Travel Advice Unit of the FCDO (or other regulatory authority) are advising against all or all but essential travel to your destination when you depart on your trip and your claim is related to the specific reasons for the travel advice/restrictions. For example, if the FCDO advice was issued: due to COVID-19 and you contract COVID-19 due to civil unrest and you are injured because of the civil unrest Your claim is caused by another reason listed under ‘What is not covered’ in ‘Section B – Emergency medical and other expenses’ of your policy wording” FEATURED PARTNER OFFER Esure. 4.0 Our star ratings are based on a range of criteria and are determined solely by our editorial team. See our methodology for more information. Plan. Extra Med Medical Cover. £15 million Cancellation Cover. £5,000 Compare Quotes Plan. Extra Med Medical Cover. £15 million Cancellation Cover. £5,000 Why We Picked It The plan provides generous levels of cover. Extra Details Cancellation Cover for Covid-Related Risks: Yes, but only valid if you have had the recommended Covid vaccinations Pros & Cons Generous level of medical cover (£15 million). Generous level of cancellation and curtailment cover (£5,000 each). Medical excess (£70) and cancellation excess (£70) is payable on claims. Lower level of hospital benefit (£1,500). Cancellation Policy Details Accepted Cancellation Scenarios We provide to each Insured Person in total per insured journey, up to the sum insured shown in the Table of Benefits, following necessary and unavoidable cancellation of a insured journey as a result of:1. You, Your Relative, a member of Your household or travelling companion or a friend with whom You had arranged to stay has a diagnosis of COVID-19 within 14 days of Your booked departure date, as certified by a Medical Practitioner following a medically approved test showing a positive result for COVID-19.2. You being denied boarding on Your pre-booked outbound travel due to You contracting COVID-19, as certified by a Medical Practitioner following a medically approved test showing a positive result for COVID-19 or having a confirmed temperature above 38 degrees Celsius. Rejected Cancellation Scenarios There is no cover under cancellation if You contract COVID-19 and You have not had the recommended vaccination(s)when offered to You. (Consideration will given where You were medically unable to have the vaccination, and this is shown on your medical records. Medical Policy Details Accepted Medical Scenarios Trips outside the United KingdomWe provide to each insured person in total, up to the sums insured shown in the Table of Benefits, in the event of an unforeseen medical emergency during a trip inside the United Kingdom as a result of You contracting COVID-19, as certified by a medical practitioner following a medically approved test showing a positive result for COVID-19.What is Covered1. Emergency medical and repatriation expenses:a. Reasonable and necessary medical and hospital expenses, including the cost of ambulance transport where medically necessary to take you to hospital; andb. Returning you to the United Kingdom provided this is medically safe and authorised by us or our assistance company; andc. The cost of a medical escort where this is deemed necessary by us or our assistance company, in the event of your emergency repatriation to the United Kingdom; and2. Reasonable additional travel and accommodation expenses (room only) for you to extend your stay until you are medically fit to returnto the United Kingdom; and3. Reasonable additional travelling and accommodation expenses to repatriate you to the United Kingdom when you are denied boarding on Your pre-booked return travel due to you contracting COVID-19.4. Confinement benefit: a benefit payment of £30 for each complete 24 hour period up to £300 where you are ordered into self-isolation in your holiday accommodation by a relevant Government authority, as a result of you contracting COVID-19. Trips inside the United KingdomWe provide to each insured person in total, up to the sums insured shown in the Table of Benefits, in the event of an unforeseen medical emergency during a trip inside the United Kingdom of 2 or more consecutive nights in pre-booked accommodation as a result of You contracting COVID-19, as certified by a medical practitioner following a medically approved test showing a positive result for COVID-19.What is covered1. Extra transport and accommodation for you and one other person who stays with you, or who has to travel to you from within your home country and/or travel back with you, if this is necessary due to medical advice.2. your body or ashes to be transported home. Rejected Medical Scenarios There is no cover under Emergency medical & repatriation expenses if You contract COVID-19 and You have not had the recommended vaccination(s) when offered to You. (Consideration will given where You were medically unable to have the vaccination, and this is shown on your medical records. FEATURED PARTNER OFFER RAC. 4.0 Our star ratings are based on a range of criteria and are determined solely by our editorial team. See our methodology for more information. Plan. Black Travel Plus Medical Cover. £15 million Cancellation Cover. £5,000 Compare Quotes Plan. Black Travel Plus Medical Cover. £15 million Cancellation Cover. £5,000 Why We Picked It The plan provides generous medical, cancellation and curtailment cover. Extra Details Cancellation Cover for Covid-Related Risks: Yes Pros & Cons Generous level of medical cover (£15 million). Generous level of cancellation and curtailment cover (£5,000 each) . Good amount of hospital benefit (£1,500). Medical excess (£70) and cancellation excess (£70) payable on claims. Cancellation Policy Details Accepted Cancellation Scenarios The necessary and unavoidable cancellation as a result of you, your relative, a member of your household, travelling companion or a friend with whom you had arranged to stay has a diagnosis of COVID-19 within 14 days of your booked departure date, as certified by a medical practitioner following a medically approved test showing a positive result for COVID-19 You are denied boarding on your pre-booked outbound travel due to you contracting COVID-19, as certified by a medical practitioner following a medically approved test showing a positive result for COVID-19 Rejected Cancellation Scenarios Travel or accommodation costs where a credit or voucher has been provided in lieu of a cash refund Claims arising directly or indirectly from an outbreak of COVID-19 resulting in a national or local lockdown or any restrictions of movement affecting the area where your home is located, the country or specific area or event to which you were travelling to or through, existing or being publicly announced by the date you purchased, renewed or extended this insurance or at the time of booking any trip, whichever is later, or in the case of claims under subsection A, started your trip whichever was later Any claim where you are experiencing symptoms of COVID-19, or have been told to self-isolate at the time you purchased, renewed or extended this insurance, or at the time of booking any trip, whichever is later, or in the case of claims under sub-section A, started your trip whichever was later Your quarantine when it has been imposed on a community, geographic location or vessel imposed by a government or public authority Any claim made under the COVID-19 cover section in addition to a claim under either Section 1: Medical emergency and repatriationexpenses or Section 2: Cancellation and cutting short your trip of this policy Medical Policy Details Rejected Medical Scenarios Travel or accommodation costs where a credit or voucher has been provided in lieu of a cash refund Claims arising directly or indirectly from an outbreak of COVID-19 resulting in a national or local lockdown or any restrictions of movement affecting the area where your home is located, the country or specific area or event to which you were travelling to or through, existing or being publicly announced by the date you purchased, renewed or extended this insurance or at the time of booking any trip, whichever is later, or in the case of claims under subsection A, started your trip whichever was later Any claim where you are experiencing symptoms of COVID-19, or have been told to self-isolate at the time you purchased, renewed or extended this insurance, or at the time of booking any trip, whichever is later, or in the case of claims under sub-section A, started your trip whichever was later Your quarantine when it has been imposed on a community, geographic location or vessel imposed by a government or public authority Any claim made under the COVID-19 cover section in addition to a claim under either Section 1: Medical emergency and repatriation expenses or Section 2: Cancellation and cutting short your trip of this policy FEATURED PARTNER OFFER Sainsbury’s Bank. 4.0 Our star ratings are based on a range of criteria and are determined solely by our editorial team. See our methodology for more information. Plan. Premier Travel Plus Medical Cover. £15 million Cancellation Cover. £5,000 Compare Quotes Plan. Premier Travel Plus Medical Cover. £15 million Cancellation Cover. £5,000 Why We Picked It The plan provides generous cover across all areas. Extra Details Cancellation Cover for Covid-Related Risks: Yes, but only valid if you have had the recommended Covid vaccinations Pros & Cons Generous level of medical cover (£15 million). Generous level of cancellation and curtailment cover (£5,000 each). Medical excess (£70) and cancellation excess (£70) is payable on claims. Lower level of hospital benefit (£1,500). Cancellation Policy Details Accepted Cancellation Scenarios The necessary and unavoidable cancellation as a result of you, your relative, a member of your household, travelling companion or a friend with whom you had arranged to stay has a diagnosis of COVID-19 within 14 days of your booked departure date, as certified by a medical practitioner following a medically approved test showing a positive result for COVID-19 You are denied boarding on your pre-booked outbound travel due to you contracting COVID-19, as certified by a medical practitioner following a medically approved test showing a positive result for COVID-19 Rejected Cancellation Scenarios Travel or accommodation costs where a credit or voucher has been provided in lieu of a cash refund – Claims arising directly or indirectly from an outbreak of COVID-19 resulting in a national or local lockdown or any restrictions of movement affecting the area where your home is located, the country or specific area or event to which you were travelling to or through, existing or being publicly announced by the date you purchased, renewed or extended this insurance or at the time of booking any trip, whichever is later, or in the case of claims under sub-section A, started your trip whichever was later – Any claim where you are experiencing symptoms of COVID-19, or have been told to self-isolate at the time you purchased, renewed or extended this insurance, or at the time of booking any trip, whichever is later, or in the case of claims under sub-section A, started your trip whichever was later Your quarantine when it has been imposed on a community, geographic location or vessel imposed by a government or public authority Medical Policy Details Accepted Medical Scenarios Reasonable and necessary medical and hospital expenses, including the cost of the rescue service to take you to hospital; and Returning you to the UK provided this is authorised by us or the Medical Assistance Helpline; and The cost of a medical escort where this is deemed necessary by us or the Medical Assistance Helpline, in the event of your emergency repatriation to the UK; and Reasonable additional travel and accommodation expenses (room only) for you to extend your stay until you are medically fit to return to the UK; and Reasonable additional travelling and accommodation expenses to repatriate you to the UK when you are denied boarding on your pre-booked return travel due to you contracting COVID-19, as certified by a medical practitioner following a medically approved test showing a positive result for COVID-19; and Confinement benefit: a benefit payment of £30 for each complete 24 hour period up to £300 where you are ordered into self-isolation in your holiday accommodation by a relevant Government authority, as a result of you contracting COVID-19, as certified by a medical practitioner following a medically approved test showing a positive result for COVID-19 Confinement benefit: a benefit payment of £30 for each complete 24 hour period up to £300 where you are ordered into self-isolation in your holiday accommodation by a relevant Government authority, as a result of you contracting COVID-19, as certified by a medical practitioner following a medically approved test showing a positive result for COVID-19 Rejected Medical Scenarios Travel or accommodation costs where a credit or voucher has been provided in lieu of a cash refund Claims arising directly or indirectly from an outbreak of COVID-19 resulting in a national or local lockdown or any restrictions of movement affecting the area where your home is located, the country or specific area or event to which you were travelling to or through, existing or being publicly announced by the date you purchased, renewed or extended this insurance or at the time of booking any trip, whichever is later, or in the case of claims under sub-section A, started your trip whichever was later Any claim where you are experiencing symptoms of COVID-19, or have been told to self-isolate at the time you purchased, renewed or extended this insurance, or at the time of booking any trip, whichever is later, or in the case of claims under sub-section A, started your trip whichever was later Your quarantine when it has been imposed on a community, geographic location or vessel imposed by a government or public authority Any claim made under the COVID-19 cover section in addition to a claim under either Section 1: Medical emergency and repatriation expenses or Section 2: Cancellation and cutting short your trip of this policy FEATURED PARTNER OFFER Southdowns. 4.0 Our star ratings are based on a range of criteria and are determined solely by our editorial team. See our methodology for more information. Plan. Select Gold Medical Cover. £20 million Cancellation Cover. £3,000 Compare Quotes Plan. Select Gold Medical Cover. £20 million Cancellation Cover. £3,000 Why We Picked It The plan provides best-in-class medical cover with generous hospital benefit. Extra Details Cancellation Cover for Covid-Related Risks: Yes Pros & Cons Generous level of medical cover (£20 million). £2,000 provided in hospital benefit. Average level of cancellation and curtailment cover (£3,000). Medical excess (£50) and cancellation excess (£50) is payable on claims. Cancellation Policy Details Accepted Cancellation Scenarios Fall ill with COVID-19 Are subject to compulsory quarantine before departing from the UK Are required to self-isolate, preventing you from leaving your home in your country of residence due to COVID-19 Suffer bodily injury, illness, or an unexpected complication of pregnancy Any other reason listed under ‘What is covered’ in ‘Section A – Cancellation’ of your policy wording Rejected Cancellation Scenarios You cannot travel, or you choose not to travel because the Foreign, Commonwealth and Development Office (FCDO) advises against travel to your destination due to a pandemic The cancellation claim is because you will have to quarantine upon return to the United Kingdom (or your country of residence) Your claim is caused by a reason not listed under ‘What is covered’ in ‘Section A – Cancellation of your policy wording Your claim is caused by another reason listed under ‘What is not covered’ in ‘Section A – Cancellation’ of your policy wording” Medical Policy Details Accepted Medical Scenarios Emergency medical treatment due to injury, illness, disease (including COVID-19), or unexpected complication of pregnancy Compulsory quarantine due to COVID-19 or other infectious disease Additional accommodation and repatriation expenses should you be unable to travel home as planned, due to an illness, injury, or unexpected complication of pregnancy (whilst abroad or on a valid UK trip) Any other reason listed under ‘What is covered’ in ‘Section B – Emergency medical and other expenses’ of your policy wording Rejected Medical Scenarios The Travel Advice Unit of the FCDO (or other regulatory authority) are advising against all or all but essential travel to your destination when you depart on your trip and your claim is related to the specific reasons for the travel advice/restrictions. For example, if the FCDO advice was issued: due to COVID-19 and you contract COVID-19 due to civil unrest and you are injured because of the civil unrest Your claim is caused by another reason listed under ‘What is not covered’ in ‘Section B – Emergency medical and other expenses’ of your policy wording Travel Update. What are the rules governing international travel into the UK? The rules and restrictions on international travel have changed frequently, often at short notice, over the course of the pandemic. Travellers to and from the UK, including those returning to the UK from overseas, are often subject to different requirements according to their vaccination status, age, and which nation within the UK they are bound for. Visit this page for the latest information. You can find the latest government travel advice and rules here. Note also that countries you are planning to visit may have their own entry requirements and restrictions, so check before making arrangements and again before travelling. Which countries can I visit? The Foreign & Commonwealth Development Office (FCDO) issues advice on which destinations are safe to visit based on a range of factors, including those related to Covid-19.  It is important to check the FCDO’s advice for changes  before purchasing your holiday and travel insurance, and again before departing. If you travel against FCDO advice, your travel insurance is likely to be rendered invalid unless you bought it from a specialist insurer which specified that cover would be provided in your chosen destination. Note also that countries you are planning to visit may have their own entry requirements and restrictions, so check before making arrangements and again before travelling. Do any insurers provide cover for red countries? CoverForYou, Cedar Tree and Outbacker are among the insurers who provide cover for travel to Red list countries. The change to their existing and new single-trip and annual multi-trip policies came into effect 20 May. Cover varies as follows: FCDO advises against all travel  No cover FCDO advises against all but essential travel, and your travel is deemed essential Full cover FCDO advises against all but essential travel, and your travel is not essential Cover is provided, but excludes any claim arising, either directly or indirectly, from the reason the FCDO advice against travel is in place. Reasons for essential travel can include:  work charity work education elite sport legal proceedings property medical providing care, end of life and funerals weddings children elections or referendums Visiting friends or family, going on a personal holiday and going on a working/volunteering holiday are not deemed essential reasons for travel. Policyholders travelling to countries where the FCDO has advised against all but essential travel will be covered for claims not relating to Covid-19, such as tripping and breaking an ankle. Covid-19-related claims such as contracting the virus or accommodation becoming unavailable due to the pandemic will not be covered. Tips for a pandemic-proof holiday. Take out travel insurance when you book. It’s best to buy travel insurance at the same time as you book your holiday. This will ensure that you have cancellation cover straight away. What to look for when buying travel insurance. Travel insurance that reflects the realities of Covid-19 will provide extra cover such as: cancellation cover if you or someone in your party tests positive within 14 days of your departure date cancellation cover if a loved one dies of Covid-19 ahead of your departure date cancellation cover if you miss your flight because the results of a required Covid-19 test are not returned in time curtailment cover if you are not allowed entry into your destination country because of a failed test curtailment cover if you are required to enter quarantine while you are away. When reviewing what is on offer from various policies, look for sections of the policy documents or ‘key features’ literature that set out the extent of cover for Covid-19-related risks and choose accordingly. It’s worth paying attention to an exclusions that might apply, so you know what to expect. Many insurers have, say, three levels of cover, which might be presented as Bronze, Silver and Gold, and priced accordingly. A Bronze policy might, for example, provide cancellation cover up to £2,000, while the Gold version might go up to £5,000. You’ll then need to balance the required premium against the amount of cover that would give you adequate protection. Check the FCDO’s travel guidelines. It’s unlikely you will be covered for cancellation if the FCDO changes its advice on travel to your holiday destination, if an airline or travel company postpones your trip without offering a refund, or if a local or national lockdown prevents you from travelling. You won’t be able to claim for cancellation if you simply don’t want to travel (called ‘disinclination to travel’). If your flight is cancelled your airline should offer you a full refund or an alternative departure date. Check if your destination has Covid-19 restrictions in place. Bear in mind that some destinations insist on coronavirus testing before you leave the UK, or upon arrival, so check the rules of the country to which you’re going. If you need to quarantine while on holiday, you may be covered if it delays your return to the UK – again, check with your insurance provider. What else can your insurance cover? In addition to cover for medical treatment/ Covid-related risks, travel insurance will also cover: Baggage and possessions: You will be able to claim on your insurance if your baggage or any other possessions are lost, stolen or damaged. Scheduled airline failure insurance (SAFI): You will be reimbursed the cost of your flight if the airline should go bust. Personal liability: You will be covered for compensation claims made against you if you’re found responsible for causing injury, death or damage. Personal accident: If you are permanently disabled or killed in an accident, your policy will make a payment to you or to your estate. Legal expenses: Your insurer will help cover legal costs to pursue compensation or damages following personal injury or other disputed loss while you’re abroad. Excess: Most insurance policies require you to contribute a certain amount towards any claim you make, known as the excess. This sum will be deducted from your claim pay-out. Methodology. We used data from our travel insurance partner CYTI to score the following: Cover for cancellation due to Covid-19-related risks: We scored insurers five points if they offer some form of cancellation cover for Covid-19-related risks in addition to medical and curtailment cover Covid-19-related risks. Level of cancellation cover: We reviewed the level of cancellation cover provided under each policy. Insurers were awarded points on a scale of one to five with those offering the most generous pay-out for needing to cancel a holiday earning the maximum of five points. Level of cancellation excess: Policies were scored points on a scale of one to five. Those with less excess to pay earned more points. Level of curtailment cover: Policies were scored points on a scale of one to five. Those with a higher level of pay-out for needing to return home earlier than planned earned more points. Level of medical cover: Policies were scored points on a scale of one to five. Those with a higher level of pay-out for medical costs earned more points. Medical excess Policies were scored points on a scale of one to five. Those with less excess to pay earned more points. Hospital benefit: Policies were scored points on a scale of one to five. Those with higher levels of hospital benefit earned more points. The scores for each company were totalled, with special weighting given to cover for cancellation due to Covid-related risks. Companies with matching scores were ranked in alphabetical order. Each company has been awarded a Forbes Advisor star rating out of a total five stars. Frequently Asked Questions (FAQs). What protection does cover for Covid-19-related risks offer? Protection for Covid-19-related risks covers the cost of  your medical treatment and repatriation as a minimum. Some policies will additionally costs incurred if you needed to cancel your holiday due to Covid. The specific reasons insurers will accept for a Covid-related claim do vary, so be sure to check your policy for the details. Does my existing travel insurance policy cover Covid-19-related risks? There are no guarantees that your existing insurance policy will cover Covid-19-related risks. Check the details of your policy or contact your insurer for confirmation of the extent of cover provided. Is there curtailment cover for Covid-19-related risks? Certain policies have cover if a traveller needs to cut their trip short. The type of curtailment cover available varies depending on provider so be sure to check the details of your policy. What happens if I contract coronavirus overseas? Many insurance policies include medical cover should you fall ill with Covid-19 while abroad.  All the insurers available through our travel insurance comparison tool offer emergency medical and repatriation cover for Covid-19-related claims as standard. Check your policy. Can I get cover for my pre-existing medical conditions? Yes, certain policies will cover claims related to pre-existing medical conditions, but they tend to have higher premiums because of the greater risk of a claim being made. You will be expected to declare all your pre-existing medical conditions to your insurer so it can assess the potential risks associated with your condition. It’s imperative that you do not withhold any information from your insurer as doing so could invalidate any claim you make. Will my insurer cover me if my airline goes out of business? Only certain policies will cover you if your airline goes bust. The Air Travel Organiser’s Licencing (ATOL) which protects most air package holidays sold by travel businesses in the UK, also protects some flight bookings, typically when someone books flights (including UK domestic flights) but does not receive their tickets immediately. The Association of British Travel Agents (ABTA) also provides protection for package holidays to destinations in the European Economic Area (EEA) and cover for linked travel arrangements – the purchase of two or more travel services for one trip. There are exceptions to what ATOL and ABTA cover so do check their websites before travelling. How do I claim on my travel insurance? You should first bear in mind that insurers will only consider your claim after you have checked whether your holiday provider will offer a refund. If you accept a refund, vouchers or a credit note from your holiday provider you will not be able to claim from your insurer. Doing so is known as a ‘double claim’. If a refund from the holiday provider is out of the question you should contact your insurer to claim for all non-refundable costs. This may include flights and accommodation but also transfer and excursion costs, for example. Deadlines for claims should be stated in your policy. It may still be worth trying to claim even if the deadline has passed as some insurers have been more flexible with their deadlines during the pandemic. Information provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circumstances. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Past performance is not indicative of future results.Forbes adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our partners. Candiece Cyrus Forbes Staff I have been writing for newspapers, magazines and online publications for over 10 years. My passion is providing, in a way that is easily accessible and digestible to all, the knowledge needed for readers to not only manage their finances, but financially flourish.
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  • 8
  • 19 certified medical
  • 8
  • 8
  • result covid 19
  • 8
  • 8
  • purchased renewed extended
  • 8
  • 8
  • renewed extended insurance
  • 8
  • 8
  • extended insurance time
  • 8
  • 8
  • insurance time booking
  • 8
  • 8
  • time booking trip
  • 8
  • 8
  • trip whichever case
  • 8
  • 8
  • whichever case claim
  • 8
  • 8
  • started trip whichever
  • 8
  • 8
  • cover covid 19
  • 8
  • 8
  • civil unrest
  • 8
  • 8
  • medical excess
  • 8
  • 8
  • excess 50
  • 8
  • 8
  • cancellation excess
  • 8
  • 8
  • pre booked
  • 8
  • 8
  • departure date
  • 8
  • 8
  • directly indirectly
  • 8
  • 8
  • 19 certified
  • 8
  • 8
  • purchased renewed
  • 8
  • 8
  • renewed extended
  • 8
  • 8
  • extended insurance
  • 8
  • 8
  • time booking
  • 8
  • 8
  • whichever case
  • 8
  • 8
  • started trip
  • 8
  • 8
  • related risk pro
  • 7
  • 8
  • risk pro con
  • 7
  • 8
  • ill covid 19
  • 7
  • 8
  • 40 star rating
  • 7
  • 8
  • level cancellation curtailment
  • 7
  • 8
  • level medical cover
  • 7
  • 8
  • level hospital benefit
  • 6
  • 8
  • claim cancellation policy
  • 6
  • 8
  • scenario fall ill
  • 6
  • 8
  • cancellation scenario travel
  • 6
  • 8
  • foreign commonwealth development
  • 6
  • 8
  • commonwealth development office
  • 6
  • 8
  • development office fcdo
  • 6
  • 8
  • medical scenario travel
  • 6
  • 8
  • contract covid 19
  • 6
  • 8
  • pro con generou
  • 6
  • 8
  • con generou level
  • 6
  • 8
  • claim arising directly
  • 6
  • 8
  • arising directly indirectly
  • 6
  • 8
  • section started
  • 6
  • 8
  • section started trip
  • 6
  • 8
Result 9
TitleCoronavirus & Travel Insurance | comparethemarket.com
Urlhttps://www.comparethemarket.com/travel-insurance/content/corona-virus/
DescriptionDuring this coronavirus pandemic, making sure you have travel insurance is more important than ever. Read our guide to how the coronavirus might affect your travel insurance policy
Date3 Nov 2021
Organic Position9
H1Coronavirus and travel insurance
H2Does travel insurance cover pandemics?
Can I get a travel insurance policy that covers COVID-19?
Coronavirus (COVID-19) – Important Information
Customers with more serious pre-existing medical conditions
Will my travel insurance cover me if I go to an affected region?
If I cancel my trip, will a travel insurance claim cover my costs?
Can I add disruption cover to my existing policy?
Will the airline refund me if my flight is cancelled?
What if my airline cancels a flight to an area which doesn’t have ‘no travel’ advice?
I have travel booked. What do I need to check?
Entry restrictions for travellers
What if I want to go on holiday within the UK?
What should I do if I’m already on holiday in an affected region?
Will I be covered if I’m put in quarantine while abroad?
What can I do to protect myself when booking future holidays?
Can I buy travel insurance if I’m already on holiday?
Looking for a quote?
Find this helpful?
H3Related articles
H2WithAnchorsDoes travel insurance cover pandemics?
Can I get a travel insurance policy that covers COVID-19?
Coronavirus (COVID-19) – Important Information
Customers with more serious pre-existing medical conditions
Will my travel insurance cover me if I go to an affected region?
If I cancel my trip, will a travel insurance claim cover my costs?
Can I add disruption cover to my existing policy?
Will the airline refund me if my flight is cancelled?
What if my airline cancels a flight to an area which doesn’t have ‘no travel’ advice?
I have travel booked. What do I need to check?
Entry restrictions for travellers
What if I want to go on holiday within the UK?
What should I do if I’m already on holiday in an affected region?
Will I be covered if I’m put in quarantine while abroad?
What can I do to protect myself when booking future holidays?
Can I buy travel insurance if I’m already on holiday?
Looking for a quote?
Find this helpful?
BodyCoronavirus and travel insurance What does the COVID-19 pandemic mean to holidaymakers and how is the outbreak affecting insurance policies? Read on to find out more. Start a quote What does the COVID-19 pandemic mean to holidaymakers and how is the outbreak affecting insurance policies? Read on to find out more. Josh Daniels Head of Travel Insurance 9 minute read Do you know someone who could benefit from this article? Posted 3 NOVEMBER 2021 Does travel insurance cover pandemics? Some providers have restricted cancellation and travel disruption cover in policies bought after coronavirus was declared a pandemic on 11 March 2020. At Compare the Market, the policies we show you may cover claims related to COVID-19 for emergency medical and repatriation costs in line with your chosen policy. However, other types of claims related to COVID-19, such as cancellation, vary by provider, so we encourage you to check your policy before purchasing. When you compare with Compare the Market, you’ll see policies labelled as providing additional protection due to COVID-19 in the list of quotes. For a summary of what that includes, click on "More details". Related articles. Travel insurance Compare travel insurance for China Compare travel insurance for Asia Compare travel insurance for Hong Kong Compare travel insurance for Singapore Compare travel insurance for Italy Can I get a travel insurance policy that covers COVID-19? Yes, you can now get insurance that offers cover for disruption related to COVID-19, whether you’re holidaying in the UK or abroad. Such policies could include cover for: cancellation if you or anyone covered by the policy gets a positive coronavirus test in the two weeks before you travel medical costs if you get coronavirus while you are away additional transport and/or accommodation expenses if you fall ill with coronavirus while you are away Not all policies offer this kind of cover – not necessarily even from the same provider. So, if you’re looking for COVID-19 cover, you should: select the “More details” option within the yellow covid-19 information box on the quote results page  read the policy document carefully before you buy, so you can see exactly what is and isn’t covered. Once you have your comparison results, you can check the policy documents to see what COVID-19 cover is offered. Just select the “More details” button and then scroll down for “Full Policy Details” and select “Full Policy Wording”. Take a close look at the policy to make sure it offers you the cover you want, not just for coronavirus but for the usual things like baggage cover, flight delays or other issues. Please be aware that some policies now state that if you’ve chosen not to have the recommended vaccinations, then you won’t be covered for any COVID-19 related claims. This includes cancellation, curtailment, or emergency medical and repatriation expenses. The policy will also set out what evidence you’ll need to support any COVID-19 claim, to make sure your claim will be dealt with as quickly as possible. Coronavirus (COVID-19) – Important Information. Please check the UK red list for the latest red list travel information. The red list and quarantine hotel policy remains in place and the red list will be reviewed every three weeks, with restrictions being imposed if needed to protect public health. You still need to check the latest travel advice and entry requirements for each country you visit or transit through. This is to ensure you are aware of any specific requirements relating to entry and ensure travellers from the UK are permitted. Travel rules can potentially change at short notice, so it’s important to check the Foreign, Commonwealth & Development Office (FCDO) for the latest information. Travel within England, Scotland and Wales is permitted under the current guidelines, however public health rules and lockdown restrictions continue to vary, including entry restrictions for Northern Ireland. You can find the latest guidance here from the official tourism boards for England, Scotland, Wales and Northern Ireland respectively. Customers with more serious pre-existing medical conditions. When you declare medical conditions on our website, we’ll only show quotes from insurance providers who will cover all declared medical conditions, with no exclusions.  MoneyHelper has launched a directory of insurance providers who may be able to provide quotes over the phone if you have more serious medical conditions. Find more information at MoneyHelper or by calling them on 0800 138 7777. Will my travel insurance cover me if I go to an affected region? If you buy your insurance policy to cover a trip to a destination where the FCDO is advising against travel for your planned dates, then it’s likely that you won’t be covered. If you’ve already bought insurance and the FCDO subsequently changes its advice for your destination, then you might have some cover, but you’ll need to check with your insurance provider and possibly make a claim if you have to cancel. For those living in the UK, you must follow the FCDO advice for your destination, as well as any restrictions imposed by your local authority. It’s also unlikely that even policies including additional COVID-19 cover will cover you for the costs of a 10-day stay in a Government-mandated hotel if you have to quarantine on your return to the UK. Check with your insurance provider. Get country-specific travel advice from the FCDO. If I cancel my trip, will a travel insurance claim cover my costs? If you bought travel insurance with additional cover for COVID-19, and there are no Government or other regulatory authority restrictions on travel in place to your chosen destination, you may have some coverage for some costs if your trip has been affected due to the outbreak. For example, if you subsequently tested positive for COVID-19 and could no longer travel. It would be a different matter if the FCDO later changes it stance and no longer advises against travel to your destination on the date of your departure. In that situation, if you decided not to go, your decision would likely be classed as “disinclination to travel”. Then, it’s likely that you wouldn’t be covered by your travel insurance provider. Similarly, if you decided not to travel because of the risk of self-isolation rules coming into effect, it may also be regarded as “disinclination to travel”. If you have any concerns, then you should contact your insurance provider to understand your cover. Can I add disruption cover to my existing policy? This will depend on the individual travel insurance provider. You’ll need to contact them to ask. Will the airline refund me if my flight is cancelled? Yes, they should offer you a full refund or the chance to arrange an alternative flight to the same destination, but you may not be entitled to any other compensation. Of course, you may have paid out for other things, like hotels, which you might be able to claim for on your travel insurance. What if my airline cancels a flight to an area which doesn’t have ‘no travel’ advice? In this case, you should still be entitled to a refund or an alternative flight to the same destination. I have travel booked. What do I need to check? You’ll need to keep checking the FCDO advice for that destination to see what restrictions are in place. You can sign up for FCDO updates on specific destinations. Also keep checking with your travel provider. Entry restrictions for travellers . Many countries have introduced entry restrictions, barring entry for travellers from countries with high transmission rates, or travellers who haven’t been fully vaccinated. Foreign visitors may have to prove their vaccination status, or go into quarantine, with periods of self-isolation varying between destinations. Some countries have introduced screening and temperature checks at airports.  As different countries take different approaches, and with the situation changing rapidly, if you intend to travel, check the restrictions and quarantine/vaccination rules of your destination country, as well as any that would apply once you’ve returned to the UK.  What if I want to go on holiday within the UK? Travel within the UK is now allowed, which means you can go on holiday in the UK. However, each of the UK home nations makes their own rules about travel during the pandemic. Most restrictions have been lifted in England, Scotland and Wales. In Northern Ireland, up to 15 people from four households can stay together. Children aged 12 and under don’t count towards the total. However, the situation can change so we advise you to check the restrictions for where you want to travel before you leave. You can get travel insurance for holidaying in the UK with COVID-19 cover: for example, if you had to cancel because you tested positive in the two weeks before your holiday. But any insurance policy purchased to cover a trip while the local authority has instructed citizens not to travel will not be valid. You can find the latest guidance here from the official tourism boards for England, Scotland, Wales and Northern Ireland. What should I do if I’m already on holiday in an affected region? If no travel restrictions existed at the time of travel, you may be required to return to the UK or you may be allowed to continue your holiday and return as planned. Some providers will cover you as standard for both of these occurrences, so it’s important to read the details of any COVID-19 related cover before you buy a policy. Will I be covered if I’m put in quarantine while abroad? This varies by insurance provider. Some policies will automatically extend if your travel home is delayed for reasons out of your control, while others might not cover additional costs. Check with your insurance provider about your policy’s disruption cover for a clearer picture. What can I do to protect myself when booking future holidays? Comprehensive travel insurance should be a key consideration when planning a future holiday. Look for a policy that offers cover for COVID-19-related disruption to reimburse costs associated with cancellations, and protect you if you become unwell and need medical treatment for coronavirus while you’re away. Can I buy travel insurance if I’m already on holiday? Although you should arrange cover before you set off, you may be able to buy specialist travel insurance after you’ve departed. Your circumstances and whether you intend to make a claim will be taken into account and there may be a waiting period to prevent you from making an immediate claim. Compare the Market does not offer comparison for this type of insurance cover. Looking for a quote? Get a new travel insurance quote in minutes and you could start saving Get a quote Find this helpful? Then you'll like these... Coronavirus & Energy: A Guide to Covid-19 and Energy Bills Coronavirus and medical insurance Loans and coronavirus Compare travel insurance Get a quote
Topics
  • Topic
  • Tf
  • Position
  • travel
  • 48
  • 9
  • insurance
  • 38
  • 9
  • cover
  • 30
  • 9
  • policy
  • 28
  • 9
  • travel insurance
  • 23
  • 9
  • covid 19
  • 20
  • 9
  • covid
  • 20
  • 9
  • 19
  • 20
  • 9
  • provider
  • 14
  • 9
  • check
  • 12
  • 9
  • uk
  • 12
  • 9
  • restriction
  • 12
  • 9
  • coronaviru
  • 11
  • 9
  • destination
  • 11
  • 9
  • compare
  • 10
  • 9
  • claim
  • 10
  • 9
  • insurance provider
  • 9
  • 9
  • fcdo
  • 9
  • 9
  • quote
  • 9
  • 9
  • medical
  • 9
  • 9
  • holiday
  • 8
  • 9
  • related
  • 7
  • 9
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  • 7
  • 9
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  • 7
  • 9
  • compare travel insurance
  • 6
  • 9
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  • 6
  • 9
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  • 6
  • 9
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  • 6
  • 9
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  • 6
  • 9
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  • 6
  • 9
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  • 6
  • 9
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  • 6
  • 9
  • insurance policy
  • 5
  • 9
  • buy
  • 5
  • 9
  • flight
  • 5
  • 9
  • rule
  • 5
  • 9
  • covid 19 cover
  • 4
  • 9
  • england scotland wale
  • 4
  • 9
  • disruption cover
  • 4
  • 9
  • travel advice
  • 4
  • 9
  • 19 cover
  • 4
  • 9
  • red list
  • 4
  • 9
  • england scotland
  • 4
  • 9
  • scotland wale
  • 4
  • 9
  • northern ireland
  • 4
  • 9
  • medical condition
  • 4
  • 9
  • related covid 19
  • 3
  • 9
  • cover covid 19
  • 3
  • 9
  • covid 19 related
  • 3
  • 9
  • scotland wale northern
  • 3
  • 9
  • wale northern ireland
  • 3
  • 9
  • check insurance provider
  • 3
  • 9
  • insurance cover
  • 3
  • 9
  • compare market
  • 3
  • 9
  • related covid
  • 3
  • 9
  • cover covid
  • 3
  • 9
  • offer cover
  • 3
  • 9
  • policy offer
  • 3
  • 9
  • 19 related
  • 3
  • 9
  • entry restriction
  • 3
  • 9
  • wale northern
  • 3
  • 9
  • advice destination
  • 3
  • 9
  • check insurance
  • 3
  • 9
Result 10
Title
Urlhttps://www.zurich.co.uk/insurance/coronavirus/life-and-critical-illness-insurance-customers
Description
Date
Organic Position10
H1
H2
H3
H2WithAnchors
Body
Topics
  • Topic
  • Tf
  • Position
Result 11
TitleCoronavirus: Business interruption insurance - House of Commons Library
Urlhttps://commonslibrary.parliament.uk/research-briefings/cbp-8917/
DescriptionAn overview of how business interruption insurance policies have been interpreted in the context of the coronavirus pandemic
Date19 Nov 2021
Organic Position11
H1Coronavirus: Business interruption insurance
H2Documents to download
Demands for government action
The importance of policy wording
Disputes and legal action
The future
Documents to download
Related posts
H3Eye health and macular disease
NHS charges
Timeshares: common problems faced by UK owners
H2WithAnchorsDocuments to download
Demands for government action
The importance of policy wording
Disputes and legal action
The future
Documents to download
Related posts
BodyCoronavirus: Business interruption insurance Research Briefing Published Friday, 19 November, 2021 Research Briefing Business Consumers Diseases Finance Covid-19 Steve Browning An overview of how business interruption insurance policies have been interpreted in the context of the coronavirus pandemic. Documents to download. Coronavirus: business interruption insurance (463 KB , PDF) Download full report Download ‘Coronavirus: business interruption insurance’ report (463 KB , PDF) Business interruption insurance compensates policy-holders for costs arising from events that close or severely disrupt operations. The coronavirus pandemic has led to many claims, as well as disputes about whether and how far policies do (or should) provide cover for losses.Demands for government action. Many businesses wanted the Government to declare the novel coronavirus a notifiable illness and to order businesses to close. They expected that this would allow them to claim under business interruption policies. The UK Government made Covid-19 a notifiable disease on 5 March 2020 and advised many businesses to close on 16 March.The importance of policy wording. But the insurance industry warned that few policies were likely to provide cover, even if the Government forced businesses to close. Over the past decade or so, insurers had redrafted policy wording to exclude diseases not explicitly named. The Government and the industry advised businesses to refer to the specific wording of their policies. Businesses could also consider the other forms of support available.Disputes and legal action. Many policy-holders argue that the wording in their policies is not clear or seems to permit claims, although their insurers have argued the opposite. Small businesses can complain to the Financial Ombudsman Service (FOS) about this. The Financial Conduct Authority (FCA) has noted that few policy-holders are likely to be covered. It sought a judgment on a set of specific policy wording from the High Court. The court delivered its judgment in September 2020, largely ruling in favour of policy-holders. In January 2021, after an appeal, the Supreme Court also found in favour of policy-holders. There are however continuing disputes about calculating payouts, notably on how to take account of government support offered during the pandemic.The future. Some commentators noted that the scale of the disruption is such that the industry would not in any event be able to cover the losses. This might, they argue, be a case where the State should take charge, or at least seek a public-private partnership. Share this Share this with FacebookShare this with Facebook TwitterShare this with Twitter LinkedInShare this with LinkedIn EmailShare this with Email Close share panel × Documents to download. Coronavirus: business interruption insurance (463 KB , PDF) Download full report Download ‘Coronavirus: business interruption insurance’ report (463 KB , PDF) Related posts. Eye health and macular disease. A debate has been scheduled in Westminster Hall on Tuesday 11 January at 9.30am on eye health and macular disease. The debate will be opened by Jim Shannon MP. Diseases NHS charges. House of Commons Library briefing on NHS charges. DiseasesHealth servicesMedicine Timeshares: common problems faced by UK owners. This briefing paper provides an overview of EU and UK regulation of timeshares and other long-term holiday products. Consumers
Topics
  • Topic
  • Tf
  • Position
  • business
  • 16
  • 11
  • policy
  • 14
  • 11
  • business interruption
  • 8
  • 11
  • coronaviru
  • 8
  • 11
  • interruption
  • 8
  • 11
  • insurance
  • 8
  • 11
  • business interruption insurance
  • 7
  • 11
  • interruption insurance
  • 7
  • 11
  • download
  • 6
  • 11
  • government
  • 6
  • 11
  • coronaviru business interruption
  • 5
  • 11
  • coronaviru business
  • 5
  • 11
  • policy holder
  • 5
  • 11
  • holder
  • 5
  • 11
  • close
  • 5
  • 11
  • wording
  • 5
  • 11
  • download coronaviru business
  • 4
  • 11
  • 463 kb pdf
  • 4
  • 11
  • download coronaviru
  • 4
  • 11
  • 463 kb
  • 4
  • 11
  • kb pdf
  • 4
  • 11
  • disease
  • 4
  • 11
  • briefing
  • 4
  • 11
  • 463
  • 4
  • 11
  • kb
  • 4
  • 11
  • pdf
  • 4
  • 11
  • report
  • 4
  • 11
  • business close
  • 3
  • 11
  • policy wording
  • 3
  • 11
  • 19
  • 3
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  • diseas
  • 3
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  • claim
  • 3
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  • cover
  • 3
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  • uk
  • 3
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  • industry
  • 3
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  • court
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  • charge
  • 3
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  • share
  • 3
  • 11
Result 12
TitleBusiness Insurance ABI
Urlhttps://www.abi.org.uk/products-and-issues/topics-and-issues/coronavirus-hub/business-insurance/
DescriptionThe spread of Coronavirus is unprecedented in modern times, and insurers understand this is an incredibly difficult time for families and businesses
Date
Organic Position12
H1Business Insurance
H2How does business insurance work?
What is business interruption insurance?
How do businesses purchase business interruption cover?
What do business interruption policies generally cover?
Does standard business interruption insurance provide cover for businesses who are not able to operate due to the effects of COVID-19?
Does a 'notifiable disease' extension to business interruption cover my business for COVID-19?
Are there any other extensions to business interruption that may provide cover?
How are insurers supporting businesses that can now reopen?
I have already received central Government support, how will this impact any insurance claim?
If my business isn't able to operate because of COVID-19, should I just cancel my insurance policy?
Do cyber insurance policies cover working from home/remote working and any particular cyber incidents which may arise from this situation either through the actions of individuals, e.g. phishing emails, inadvertent data leak?
H3
H2WithAnchorsHow does business insurance work?
What is business interruption insurance?
How do businesses purchase business interruption cover?
What do business interruption policies generally cover?
Does standard business interruption insurance provide cover for businesses who are not able to operate due to the effects of COVID-19?
Does a 'notifiable disease' extension to business interruption cover my business for COVID-19?
Are there any other extensions to business interruption that may provide cover?
How are insurers supporting businesses that can now reopen?
I have already received central Government support, how will this impact any insurance claim?
If my business isn't able to operate because of COVID-19, should I just cancel my insurance policy?
Do cyber insurance policies cover working from home/remote working and any particular cyber incidents which may arise from this situation either through the actions of individuals, e.g. phishing emails, inadvertent data leak?
BodyBusiness Insurance The spread of COVID-19 is unprecedented in modern times, and insurers understand this is an incredibly difficult time for families and businesses. No country in the world is able to provide widespread pandemic insurance, and the UK is no exception. For this type of cover to be available and affordable, would require a very significant subsidy from the government - given the scale of business disruption we have seen with the COVID-19 pandemic. Instead, standard commercial insurance policies – the type the vast majority of businesses purchase – provide cover against a wide range of day to day risks including damage caused by fire, flood, theft and accidents involving employees. Every day, insurers action claims of £22m to firms through business insurance policies, supporting millions of firms across the UK each year and ABI members expect to pay up to £2.5 billion for COVID-19 insurance claims incurred in 2020 according to the latest estimates. Where there are valid claims, ABI members are working tirelessly to support their customers, through the swift payment of valid claims, interim payments to their customers, and providing clear and quick answers to their questions.  Following the publication of the Supreme Court judgment in the business interruption insurance test case, the ABI has received questions about what the verdict means for businesses around the UK. Find out what the verdict means for your business. ABI Principles for Handling Business Interruption Claims related to COVID-19 While the majority of customers will not have purchased cover for the effects of COVID-19 on their business, where cover does apply, ABI members have a clear set of principles for the handling of these claims to reassure customers at this uncertain time, clarifying and reinforcing existing best practice in claims handling. Business interruption claims can, in general, be complex to assess and determine quantification.  They often require a clear understanding of the business and how it was operating before the interruption, however, insurers are experienced in dealing with these issues and in supporting their customers through this process. Business interruption claims can require specialist expertise, so insurers will ensure clear, accurate and timely communication with customers when dealing with these claims. Insurers will support their customers throughout the claims process, with dedicated teams of experts and appropriate resources to manage the volume and complexity of COVID-19 business interruption claims. Insurers will clearly explain to their customers what information is needed to enable the swift assessment and quantification of their business interruption claim. Insurers recognise that cash flow is critical for the survival of businesses at this time. Where a customer’s policy covers certain losses for business interruption as a result of COVID-19, insurers will pay the claim as soon as they receive evidence to support this. Insurers will seek, where possible, to make interim or part payments where claims are ongoing. These interim or part payments will flow from the claim and evidence presented, helping to relieve some of the more immediate pressures that customers are facing Where an insurer receives evidence in support of a valid claim for business interruption that clearly shows that the policy limit for the claim will be exceeded, they will make payment to the customer up to the maximum policy limit for that claim without undue delay. Insurers will promote a culture of providing timely support to their customers, with the involvement and oversight of senior or executive level representatives where appropriate, enabling business customers with cover to put plans in place to deal as best they can with the most pressing issues. Where an insurer reaches a decision not to pay a claim, they will notify their customer promptly and set out their reasons in full in plain English. This should include details of the insurer’s complaints procedure. Where customers are not satisfied, their complaints will be dealt with by insurers promptly and be considered by a person or persons with expertise in the subject matter who was not involved in the original decision. Where a firm is unable to resolve a complaint, customers will be given clear information about their option to take their complaint to the Financial Ombudsman Service and/or seek independent legal advice. Business Insurance Q&A How does business insurance work? Commercial insurance is generally an advised sale where businesses make informed choices about the type of cover they need. An adviser or broker will work with the business and advise on the appropriate insurance to suit its needs. A very small number of businesses may have a policy in place that specifically provides cover for contingency business interruption arising from notifiable diseases, such as Coronavirus, where its premises have been contaminated. However, as set out by the FCA, this cover is unlikely to cover pandemics, and insurers, therefore, have no obligation to payout. Insurance policies are tailored to the needs of the individual business. It is not a one size fits all approach, as the insurance needs of no two businesses are the same. Standard commercial insurance policies provide cover against a wide range of risks. This can include damage caused by fire, flood, losses by theft, accidents involving employees and the need for temporary trading premises in certain circumstances (following damage that makes it impossible to continue trading at the existing premises, e.g. due to a severe flood or fire). Insurers are supporting their policyholders through this difficult time, and significant effort is being made to pay valid claims as quickly as possible, deal with customers' queries and insurers are working to be as flexible as possible. What is business interruption insurance? Business interruption insurance covers a business for loss of income during periods when they cannot carry out business as usual due to damage caused by a specific set of perils that will be specified in the policy. It aims to replace certain losses sustained by the business during the period of the disruption. These perils can include damage to the premises caused by incidents such as a fire, flooding or other physical damage.  The insurance may compensate the business for any increased running costs and/or shortfall in profits as the result of the event, up to a certain limit that is set out in the policy. How do businesses purchase business interruption cover? Business interruption insurance is usually offered as an optional extra to business insurance packages, which combine a number of different policies under one premium. It can also be offered as an optional extra to buildings and contents insurance policies in some cases. Most businesses purchase a package of insurance from a broker who will work with them to ensure that they have the appropriate cover for their needs. What do business interruption policies generally cover? Most policies will provide cover if the premises or equipment are damaged by a named peril, such as a fire, flood or storm, and also often for the breakdown of essential equipment.  Some policies may also cover business interruption as a result of people not being able to access the business due to specific circumstances (such as the police cordoning off an area due to an event such as terrorism, a fire, or the risk of a collapsing building etc.). In many cases, this is known as 'restricted access' cover or 'non-damage business interruption' cover and is usually an add on to a standard policy that can cost more. Does standard business interruption insurance provide cover for businesses who are not able to operate due to the effects of COVID-19? Standard business insurance policies are designed and priced to cover standard risks. They are therefore very unlikely to provide cover for the effects of global pandemics, and insurers would have no obligation to pay out claims in relation to the COVID-19 pandemic. This includes forced closure by the authorities. Businesses may have chosen to purchase cover that will specifically provide for business interruption arising from notifiable or infectious diseases. For specific notifiable disease extensions, cover may apply if other policy conditions are met. However, this type of extension is not commonly included as standard. Furthermore, the likely costs to businesses of cover that would consist of more unusual risks – such as those posed by new diseases – would be prohibitive. Does a 'notifiable disease' extension to business interruption cover my business for COVID-19? Most notifiable disease extensions cover specific diseases that will be named in the cover. These are diseases that are well known and understood. If the policy does not allow for all human infectious diseases, then cover is unlikely to apply. Some notifiable disease extensions are more general and do not specify certain diseases. In these cases, business interruption cover for COVID-19 may apply if COVID-19 is present at the premises and all policy conditions are met. If you are unsure about what your policy covers your business for, check with the broker you purchased the policy from or your insurer if you purchased it directly. Are there any other extensions to business interruption that may provide cover? Some coverage may exist if the business has purchased a 'non-damage, denial of access' extension to a business interruption policy. Again, purchase of these extensions tends to be rare, and this is not generally covered under standard business interruption policies. Generally, 'denial of access' cover applies to cordoned off areas and the loss of trade resulting from a denial of access to the premises (e.g. as a result of a police cordon). If a business is forced to close or is told to shut by an appropriate authority or is cordoned off, this could trigger a claim under a 'non-damage, denial of access' business interruption extension if the infectious disease cover is unspecified or if it includes COVID-19. How are insurers supporting businesses that can now reopen? As Government restrictions begin to be lifted, certain businesses are able to open again. Alongside complying with government guidance regarding safety measures and social distancing, your insurer may be able to provide you with sector-specific guidance to help you reopen safely. If your business is able to open, but you have chosen not to reopen, you should contact your insurer to advise them that your premises remains unoccupied. If a business is still required to temporarily close due to government COVID-19 restrictions, insurers will be flexible around the period of unoccupancy specified in the policy document. However, the lifting of travel restrictions will mean that in most cases you are able to resume checking on your unoccupied premises regularly and carrying out normal risk management processes and you should do so unless prevented by any government or local restrictions. If you are unable to visit your premises, or there are any specific requirements as part of your insurance contract that you are unable or unlikely to be able to comply with (such as on-site security), speak to your insurer or insurance advisor/broker. Restrictions will differ between England, Scotland, Wales and Northern Ireland and you should check you are adhering to the law and guidance of the relevant administration. I have already received central Government support, how will this impact any insurance claim? The ABI members listed below have made it clear that they will not be deducting the Local Authority Grant, the Small Business Grant and the Leisure/Retail/Hospitality grants, Local Restrictions Support Grant (closed), Local Restrictions Support Grant (open), Additional Restrictions Grant (ARG) and the Local Restrictions Support Grant (LRSG (Closed) Addendum),or their equivalents in Scotland, Wales and Northern Ireland, from any Covid-19 claims payments. In the minority of cases where this has already happened, each firm concerned will review these claims and reach out to claimants in relation to adjusting the settlement accordingly. The firms are:  Ageas, Allianz, Aviva, Axa XL Axa, Chubb, Covea, Direct Line Group, Ecclesiastical, Hiscox, NFU Mutual, QBE, RSA, Zurich, The FCA has given clear guidance to firms on how they should approach any decisions on a case by case basis. Anyone concerned should contact their broker or insurer in the first instance. As a general principle when assessing claims, insurers would not expect customers to claim for losses to income that have already been compensated from elsewhere. If my business isn't able to operate because of COVID-19, should I just cancel my insurance policy? Business insurance helps to protect business owners and independent professionals against everyday risks, such as accidents in the workplace and associated public liability, stock or premises damage, legal costs and cyber-attacks. There are also some types of insurance that a business is legally obliged to have, such as employer's liability and commercial motor insurance. Even in a time when a business may be unable to operate as usual due to the impacts of COVID-19, it's important that businesses remain covered for standard risks, many of which may be more likely when the property is unoccupied, such as vandalism of the property, theft of stock or equipment, or even loss of information or damage to IT systems and networks.  Every day insurers pay out £22 million to help firms cope with these unwelcome events. It would be a terrible outcome for a business without adequate insurance cover to experience significant damage while temporarily closed, which would delay their ability to get back up and running once permitted to do so.  Do cyber insurance policies cover working from home/remote working and any particular cyber incidents which may arise from this situation either through the actions of individuals, e.g. phishing emails, inadvertent data leak? In general, the cover provided by cyber insurance policies will be unaffected, and policies will cover working from home/remote working. Cyber incidents such as phishing emails or inadvertent data leak will continue to be covered as normal. Some insurers may require their policyholders to notify them, so it is prudent to contact your insurance provider directly to check your cyber insurance cover is still adequate. Businesses should continue to follow the advice produced by the National Cyber Security Centre on secure home working to ensure cybersecurity remains at a high level and IT systems are protected during these difficult times.
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Result 13
TitleCoronavirus, life insurance and Critical Illness cover: what will and won’t pay out? | Odyssey
Urlhttps://www.odysseywealth.co.uk/blog/coronavirus-life-insurance-and-critical-illness-cover-what-will-and-won%E2%80%99t-pay-out
DescriptionWith more than 1.8 million confirmed cases of coronavirus worldwide and fears that up 80% of the UK population will fall ill as a result of the global pandemic, many people are looking to their insurance providers to clarify what will and won’t be covered. If you have not received any clarification directly from your insurer, then here are a few facts that may help you
Date
Organic Position13
H1Coronavirus, life insurance and Critical Illness cover: what will and won’t pay out?
H2Testimonials
H3
H2WithAnchorsTestimonials
BodyCoronavirus, life insurance and Critical Illness cover: what will and won’t pay out? With more than 1.8 million confirmed cases of coronavirus worldwide and fears that up 80% of the UK population will fall ill as a result of the global pandemic, many people are looking to their insurance providers to clarify what will and won’t be covered. If you have not received any clarification directly from your insurer, then here are a few facts that may help you understand your current position. What does life insurance cover? Whilst there are many different types of life insurance, strictly speaking, they should all do one important job – pay out if you die during the term of the policy. This relies on you having kept up to date with your premiums, answered all the application questions honestly, and, if you have a term life insurance policy, that you are within the covered period.  All life insurance policies will contain some special circumstances under which they will not pay. These, however, will vary from policy to policy. To be sure exactly which exemptions apply to your policy, you must take a detailed read through your policy documents or contact your provider for clarification. Some, for example, will not pay out if you are deemed culpable for your own death in some way. However, the life insurance companies who have so far issued statements have all made it clear that they will be honouring all policies where death occurs due to the coronavirus pandemic. What do the life insurance companies say about coronavirus? In common with other major insurance providers, Zurich say that if a customer holding a Zurich life insurance policy dies of coronavirus, they will pay out following their “normal claims process and assessment”. Aviva are also clear they will be paying out. “With the news that Covid-19, more commonly known as coronavirus, is spreading across the UK we want to give you clarification around our claims and underwriting position. “We're continuing to pay all valid claims and committed to giving you access to valuable protection insurance. We remain a market-leading protection insurer for claim paid amounts.” Vitality state that “Covid-19 or any other infectious disease which results in the plan holder dying, will be covered.” Beagle Street have stated the same. While some insurers have not yet issued any statement regarding the Covid-19 outbreak, those who have make it clear that there is no pandemic or epidemic exclusion for life insurance. This means if you have a current life insurance policy and you have continued to pay your premiums, your beneficiaries should receive a pay out if you die from Covid-19 or related complications. What about Critical Illness cover? When it comes to Critical Illness cover, however, things become a bit less straightforward. Generally, insurers have been saying that they will not pay out on Critical Illness cover as a result of coronavirus because it is not a specified illness under the terms of their policy. They also state that most people who contract it go on to make a full recovery which is, thankfully, true. However, around 5% of those infected face critical illness as a result of contracting the virus, including respiratory failure, septic shock and multiple organ failure. Additionally, medical professionals are now saying that some of those who are infected with Covid-19 and who do not die from it, do suffer from what are most likely to be lasting lung conditions. Under these circumstances, you may be able to make a claim, but this will depend on the exact wording of your policy. Zurich, in answer to enquiries on this question, have stated that: “Coronavirus is not a specified ‘Critical Illness’ on Zurich’s policy. “Under our ‘Respiratory Failure – Of Specified Severity’ definition, it is possible a claim might be presented but the opinion of our Claims and Medical Officer is that the coronavirus is unlikely to produce the permanent symptoms or impairment to lung function required to meet this definition. “We will consider any such claims presented on the basis of the individual circumstances.” In response to enquiries from members of the public who are understandably confused and worried, the Association of British Insurers (ABI) have attempted to bring some clarity. Their advice is that customers should expect insurers to treat any claim for coronavirus in the same way they would treat other claims for Critical Illness cover. They also advise customers to note that Critical Illness cover is only paid out where it falls under the specific set of criteria laid down in the ABI Guide to Minimum Standards for Critical Illness Cover. All Critical Illness policies are required under these minimum requirements to cover heart attack, stroke and cancer, but beyond that, policies can and do vary. It may be that one policy covers for coma, respiratory failure and kidney failure – which may come about in the most serious Covid-19 cases – while others will not. In other words, the only way to be sure what your Critical Illness policy will cover you or your loved ones for is to read your policy terms and conditions, or check directly with your insurer. It may be that while coronavirus infection itself is not a covered condition on any Critical Illness policy, the complications that can arise from it, are.  Contacting your insurer If you have any further questions about your policy cover, then you should in the first instance consult your insurer. Be warned, however, that their phone lines may be very busy at the moment, so it may be better to check their website for information. Most providers have updated their websites to include answers to specific questions about Covid-19 for worried customers. The ABI provides some reassurance that while this is a particularly difficult time for claimants and insurers alike, they are doing everything in their power to keep their operations running as efficiently as possible and to offer clear and up-to-date information to their customers. If you have any questions about the life or Critical Illness cover you have in place, please get in touch with us. Please note: All details are correct as of 24th March 2020 and are taken from each insurance company’s website. Testimonials. I am very comfortable with the service and the way my finances have been set up. Richard of Hemel Hempstead Has always provided clear, understandable and timely advice on pensions. David from London   CALL US NOW   T: 03452 411102 T: 01908 380505 Alternatively send an email enquiry Request a Call Back Data protection You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with the Data Protection Act 2018. For more information on how we protect and deal with your personal information, please refer to our Privacy Notice. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone.   The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers based in the UK. Odyssey Wealth Management Ltd, Registered Office: Home Ground Barn, Pury Hill Business Park, Alderton Road, Towcester, NN12 7LS. Registered in England number; 08756989    
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Result 14
TitleCovid-19 Vaccine and Life Insurance
Urlhttps://www.thetimes.co.uk/money-mentor/article/covid-vaccine-life-insurance/
DescriptionFollowing claims on social media around whether the Covid-19 vaccine affects life insurance policies, we explore the facts. Find out more
Date18 Oct 2021
Organic Position14
H1The facts about the Covid-19 vaccine and life insurance
H2Is my life insurance void if I haven’t had the Covid-19 vaccine?
What if I have a bad reaction to the Covid-19 vaccine?
Life Insurance, sorted
Am I eligible for life insurance if I have had the coronavirus?
Will my life insurance pay out if I die from Covid-19?
Can I claim on critical illness cover for Covid-19 hospitalisation?
Covid-19 insurance scams to be aware of
H3Share:
Read next
What insurance do you need if you’re self-employed?
Buying life insurance through your business
Is over-50s life insurance a good idea?
Want to become financially fit?
You’re now subscribed to our Couch to £5K newsletter. Happy saving!
H2WithAnchorsIs my life insurance void if I haven’t had the Covid-19 vaccine?
What if I have a bad reaction to the Covid-19 vaccine?
Life Insurance, sorted
Am I eligible for life insurance if I have had the coronavirus?
Will my life insurance pay out if I die from Covid-19?
Can I claim on critical illness cover for Covid-19 hospitalisation?
Covid-19 insurance scams to be aware of
BodyThe facts about the Covid-19 vaccine and life insurance By gabriellag updated October 18, 2021 Share:. TwitterFacebookLinkedInEmail Life insurance This article contains affiliate links that can earn us revenue* Life insurance is taken out by people who want to financially protect their loved ones should they die sooner than expected. Recently a bogus message caused alarm, claiming that people who’d had the Covid-19 vaccination would be invalidating their life insurance. But this is not the case, as we explain below. This article covers: When life insurance pays out in relation to the Covid-19 vaccineWhether you are eligible for life insurance if you’ve had Covid-19 Insurance scams to watch out for Is my life insurance void if I haven’t had the Covid-19 vaccine? The Covid vaccine is recommended but not compulsory With the government and the World Health Organisation advising people to take an approved vaccine as soon as it is offered, what will happen to your insurance if you don’t take the vaccine? It is a legitimate question but the answer is fairly standard: the vaccine, whether you take it or not, will not have an impact on your level of cover. In other words, the vaccine is recommended but is not compulsory. And so life insurance can provide a cash lump sum in the event of your death or becoming diagnosed with a critical illness – irrespective of your Covid-19 vaccine status. For any queries about the vaccine, the NHS Covid-19 vaccine page is a good starting place. What if I have a bad reaction to the Covid-19 vaccine? So much hope hangs on the success of the vaccine programme and our ability to return to normal if the jabs manage to bring an end to the pandemic. But the long-anticipated rollout has not been without its concerns. From mild flu symptoms and sore arms to dangerous blood clots, the vaccine does come with the potential for adverse effects in individuals.  The more dramatic potential side-effects are very rare. But if you are unlucky and suffer a bad reaction, will your insurance pay out? There isn’t a simple answer to this. It will depend on the terms of your insurance policy. Everyone is different and all providers base their approach to claims on individual circumstances. No insurer has come out and said they won’t cover this eventuality. So it will all come down to what you have agreed and the individual company’s guidelines. According to the consumer group Which?, none of the leading insurers it contacted said having the jab would have an impact on people’s life cover. Find out more: Do I really need life insurance? and if you are looking for a life insurance policy, let our online tool below help you. Life Insurance, sorted. Get free, independent advice online Suitable quotes from the whole market of insurers And help applying for cover, when you’re ready Get started here Advice is provided by online broker for life insurance, Anorak, which is authorised and regulated by the Financial Conduct Authority (843798), and its registered address is 24 Old Queen Street, London, SW1H 9HA. The advice is free to you. Anorak and Times Money Mentor will each earn commission from the insurer if you go on to buy a policy. Times Money Mentor operates as an Introducer Appointed Representative for Anorak. Times Money Mentor and Anorak are independent and unaffiliated companies. Am I eligible for life insurance if I have had the coronavirus? Despite initial fears about the impact of the pandemic on insurance, life insurance companies have still offered policies during the Covid-19 outbreak.  But will they accept you if you have had the virus? Yes – simply having had the coronavirus, and recovered, isn’t enough to affect your risk profile or have an impact on your ability to get life insurance. If it has been in the past 30 days, however – and the same caveat applies if you have self-isolated, had coronavirus symptoms or been in contact with someone who has tested positive – your application will be paused. Then you can reapply when you have fully recovered or after the insurer’s postponement period. This can be up to three months.  If you have an existing life insurance policy and die from Covid, in most cases this is covered If you are applying for life insurance, you should expect to be asked a number of questions about the coronavirus. This includes whether you: Have tested positiveAre currently in self-isolationHave had any long-term health conditions as a result of contracting the coronavirus. If you are suffering from “long Covid” – with any continuing respiratory or other problems – this will be taken into account. It will be treated like any pre-existing condition.  Another point to consider is lead times. Many insurance companies are running with reduced staff or staff working from home, which can hinder response times. Find out more: How does mortgage life insurance work? Will my life insurance pay out if I die from Covid-19? Insurers are keen to publicise the figures when it comes to coronavirus-related payouts. Around £202m was paid out in 2020 to families who lost someone to Covid, according to the Association of British Insurers. That’s £553,000 a day. The general consensus is that if you have an existing life insurance policy and die from Covid, in most cases this is covered and payments are made. Of course, there are always exceptions and some specialist policies may be different. It is always worth a conversation with your insurer to confirm what is covered. Most big insurers have released statements confirming their willingness to pay. Aviva, for example, says death claims arising from Covid-19 would be paid. Can I claim on critical illness cover for Covid-19 hospitalisation? Covid-19 is not specified as a critical illness by most insurers. But many say that if complications arise as a result of the virus and they lead to conditions that are listed in a policy – kidney, liver or heart failure, for example – then a claim could be made (subject as always to terms and conditions). As with many situations, all claims will be considered based on individual circumstances. There are also certain policies that cover stays in intensive care. So if a Covid hospitalisation were to lead to ICU, the person may be covered.  While critical illness cover may not come into play for some people, income protection insurance could help you to meet costs and mitigate loss of earnings if you are unable to work due to incapacity. Most policies have a deferred period of 30 days after you have stopped work. As many people recover from Covid relatively quickly, this won’t apply. But for anyone suffering from long Covid, this could help. Find out more: Guide to joint policy life insurance Covid-19 insurance scams to be aware of. Scammers often take advantage of crises. And with an issue as fast-moving as the pandemic, they have been able to capitalise on the widespread uncertainty. According to a recent Fraud Report from insurer Aviva, suspicious emails, texts and phone calls related to health insurance have risen by 16% since before the pandemic. Meanwhile life insurance scams are up 10%. A typical approach involves a cold call telling customers that it is time to review their policy. Often they will offer lower premiums but leave people with a worthless policy because the cover is so limited. If they aren’t offering a review, scammers are calling people and simply offering Covid life insurance. The insinuation is that existing life insurance won’t cover them. The advice from insurers and the Financial Conduct Authority is to never accept the offer of a product on the basis of an unexpected phone call, email or text message –  even if it might appear to be from a genuine source such as a company with which you already have insurance. Never feel pressured into a quick purchase and don’t give personal details to someone you don’t know. If you want to review your policy, speak to your own insurance provider and do your own research into the market.  If something sounds too good to be true, it probably is. *All products, brands or properties mentioned in this article are selected by our writers and editors based on first-hand experience or customer feedback, and are of a standard that we believe our readers expect. This article contains links from which we can earn revenue. This revenue helps us to support the content of this website and to continue to invest in our award-winning journalism. For more, see How we make our money and Editorial promise Read next . What insurance do you need if you’re self-employed? What insurance do you need if you’re self-employed? . Life insurance Buying life insurance through your business Buying life insurance through your business . Life insurance Is over-50s life insurance a good idea? Is over-50s life insurance a good idea? . Life insurance Want to become financially fit? . Join our Couch to £5K challenge this January — six weekly newsletters to help you reach your financial goals. By entering your details, you agree these will be used according to our privacy policy. When you subscribe, you will also receive our weekly newsletter too. You can unsubscribe, although if you do you will stop receiving both newsletters You’re now subscribed to our Couch to £5K newsletter. Happy saving! . Success Want to become financially fit? Join our Couch to £5K challenge this January — six weekly newsletters to help you reach your financial goals. By entering your details, you agree these will be used according to our privacy policy. When you subscribe, you will also receive our weekly newsletter too. You can unsubscribe, although if you do you will stop receiving both newsletters You’re now subscribed to our Couch to £5K newsletter. Happy saving! . Success By entering your details, you agree these will be used according to our privacy policy. When you subscribe, you will also receive our weekly newsletter too. You can unsubscribe, although if you do you will stop receiving both newsletters
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Result 15
TitleHow has Coronavirus (Covid-19) impacted Life Insurance? | Cavendish Online
Urlhttps://www.cavendishonline.co.uk/news/how-has-coronavirus-covid-19-impacted-life-insurance
DescriptionInsurers are trying to underwrite applications without the need for additional information from GPs or requesting you attend a nurse medical screening where they can
Date
Organic Position15
H1How has Coronavirus (Covid-19) impacted Life Insurance?
H2One of the most frequently asked questions we have been recieving is:
H3New Life Insurance customers and new Life Insurance applications
Impacts on underwriting
Existing customers - Life Insurance claims
H2WithAnchorsOne of the most frequently asked questions we have been recieving is:
BodyHow has Coronavirus (Covid-19) impacted Life Insurance?HomeNewsHow has Coronavirus (Covid-19) impacted Life Insurance?Back to NewsOne of the most frequently asked questions we have been recieving is:. "Has Covid-19 impacted on Life Insurance and the application process?"Ultimately, Covid-19 has impacted on all of our lives in one way or another, so it should come as no suprise that it has affected the Life Insurance application process too. To help clarify the situation, we have broken the areas that have been affected into 'New customers & new applications', 'Impacts on underwriting' and 'Existing customers - claims'. In addition to this, you can find out more about how Cavendish Online is continuing to operate in these unprecedented times by clicking here. New Life Insurance customers and new Life Insurance applications. Since the outbreak of Covid-19, many life insurance companies have introduced new questions to their application forms. This has been done in order to establish and manage the insurance risks it poses. The questions that they are asking are to establish if someone has: Coronavirus symptoms (for example a new continuous cough and/or a high temperature)Been advised to self-isolateTested positive for CoronavirusHad direct contact with someone who has tested positive for or suspected to have Coronavirus.If you have a recent history of any of these then it's likely that any application may be postponed.Please also be aware that providers are increasingly withrawing their 'Free cover' during underwriting. Please refer to the provider Key Features Document for more information regarding this. Impacts on underwriting . ***UPDATED 23/04/2020***Insurers are all too aware of the strain that Coronavirus is currently placing on our NHS. To our knowledge, Insurers are trying to underwrite applications without the need for additional information from GPs or requesting you attend a nurse medical screening where they can.Unfortunately, there will be some cases where this simply is not possible. Due to the unprecedented events that are unfolding, we understand that there will likely be delays in response times from GPs who have been contacted for additional information from Insurers.There are also going to be delays in medical examinations and nurse screenings taking place for the time being, as many of the screening teams are following Government advice to practice social distancing. Some providers are now arranging for screenings to be done remotely (for instance via video call), where possible. We also understand that it's proving difficult for some people to obtain cover where the sum assured (how much cover you'd like to secure) is over certain limits which would normally cause the provider to request additional medical information automatically. If you think the above might apply to you, or if you have medical disclosures, a hazardous occupation or dangerous hobbies you may wish to speak to an adviser. They will conduct research on your behalf and assess who the most suitable providers are for your specific needs.An adviser may also be able to suggest alternative ways of obtaining the cover your require, without the need for additional medical information being requested or by facilitating alternative arrangements. We will continue to monitor what life insurance providers are doing regarding underwriting and endeavour to keep you up to date with any developments.Existing customers - Life Insurance claims. Claims against existing life insurance plans should not be impacted at all as the underwriting at the time of placing their policy live would not have known of this coming risk. Coronavirus claims will be made against the terms and conditions of the existing plan and the usual claims terms.We do not know of any plans that have contained exclusions in relation to pandemics or the contraction of a virus in a foreign country, so long as you have accurately declared any previous/ expected foreign travel.One note specifically regarding Income Protection policy claims is that usually the Insurer would get written confirmation from your GP that you are unable to work due to accident or illness. If this confirmation isn’t available, for example you are having to self-isolate, insurers are working hard to agree alternatives to ensure that they can pay claims quickly.From all at Cavendish Online, we hope that you and your loved ones stay safe and healthy during these difficult times. We would also urge everyone to follow Government advice during these unprecedented events to support the NHS and the safety and wellbeing of others. The Cavendish Online Team Share this post facebooktwitterlinkedingoogleplusWoodford funds update. Prev article Your questions: Life insurance and the impact of the Coronavirus pandemic. Next article Sign up to our newsletter© 2022 Cavendish Online is authorised & regulated by the Financial Conduct Authority (Ref 469385).Cavendish Online is registered in England No. 04045709. Registered Office: Cavendish Online, 20 Cathedral Yard, Exeter, EX1 1HB. Telephone 03456 442544.  The cookie settings on this website are set to 'allow all cookies' to give you the very best experience.If you continue without changing these settings, you consent to this - but if you want, you can change your settings by clicking 'Cookie Settings' Cookie Settings Analytical ActiveInactive Non-essential ActiveInactiveAccept and closei
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Result 16
TitleCoronavirus (COVID-19) Travel Insurance - UK's Most Trusted
Urlhttps://www.staysure.co.uk/coronavirus-travel-insurance/
DescriptionBuy COVID-19 Travel Insurance including cancellation cover, up to unlimited medical expenses & repatriation on all policies. No upper age limit
Date
Organic Position16
H1Coronavirus travel insurance
H2Thanks for making us No1on Trustpilot
What’s covered with COVID-19 holiday insurance?
Cancellation cover before you go
Cover during your holiday
Making a change to your policy
Know before you go
Why Choose Staysure?
Stay in control of your account with My Staysure
Policies that suit your needs
What's Covered?
Optional extras
Optional Extras
Excellent
People also asked
H3"...with Staysure you get much more than just peace of mind..."
H2WithAnchorsThanks for making us No1on Trustpilot
What’s covered with COVID-19 holiday insurance?
Cancellation cover before you go
Cover during your holiday
Making a change to your policy
Know before you go
Why Choose Staysure?
Stay in control of your account with My Staysure
Policies that suit your needs
What's Covered?
Optional extras
Optional Extras
Excellent
People also asked
BodyCoronavirus travel insurance Choose a travel insurance policy that covers you for COVID-19. With up to unlimited medical expenses and generous cancellation cover, you can travel with confidence.   Find out more below and when you’re ready, get your quote today. Get Quote New Year Sale! 20 % off 1 Quote: NY20 at checkout -Offer ends 31/1/22 Get Quote Thanks for making us No1on Trustpilot. We've got more Trustpilot reviews rated 'Excellent' than any other travel insurance provider! Trustpilot Introduction Why Staysure? Medical Conditions What's covered? Optional Extras Reviews Related Documents What’s covered with COVID-19 holiday insurance? Time to dip your toes back in the water? When you’re ready to book your next holiday abroad, we’ve got you covered with award-winning travel insurance with Covid cover. All new single trip and annual travel insurance policies with us include COVID-19 cover at no extra cost. We’ll even cover any pre-existing medical conditions you may have. So, if the FCDO says it’s safe to travel to your destination, you can enjoy your holiday with peace of mind. You can also get a discount of 10% on COVID-19 test packages with our travel insurance policies. Cancellation cover before you go. Cancellation cover protects you: If you have COVID-19 within 14 days of travelling* If you’re told to self-isolate by the government’s Test & Trace system If you can’t complete your vaccine course due to other illnesses, or you have an allergic reaction to the vaccine that would stop you travelling If your travelling companion(s), people you live with, or people you’re staying with on holiday are diagnosed with COVID-19 within 14 days of travel** If you’re denied boarding with a positive test for COVID-19 or have a confirmed temperature above 38 degrees Celsius If there is a  hospitalisation or death of a close relative or member of your household from COVID-19 Cover during your holiday. Emergency medical expenses cover when abroad^ Repatriation cover to help you get back home^ Cover for additional accommodation and transport, if deemed necessary by our medical officer Additional daily benefit if you are ordered to self-isolate in your holiday accommodation if you have COVID-19 Cover for cutting your trip short after hospitalisation or death of a close relative or member of your household from COVID-19 If you get COVID-19 and need help, you can be covered as long as you’ve declared your pre-existing medical conditions. Our enhanced COVID-19 cancellation cover (above) applies to all new policies bought from 29 April 2021, as long as you’ve had your recommended COVID-19 vaccinations.  If you bought your policy before 29 April 2021, please check your policy document to see what COVID-19 cover is included. Making a change to your policy. If you need to, you can change your single trip policy start date as long as it falls within 18 months from the date you bought your policy, or 24 months if you bought your policy from 29 April 2021, subject to age and medical acceptance†. (There may be a charge for changes to your policy.) Find out more about how we can help if your trip is affected by coronavirus. Know before you go. Before you travel, always check: The Foreign Office (FCDO) say it’s safe to travel to your destination. Your destination’s government advice, safety guidelines and entry requirements. The travel rules for returning to England, Scotland, Wales or Northern Ireland. Important: FCDO travel advice and travel rules issued by the government are two separate pieces of advice. Get Quote Why Choose Staysure? Emergency medical cover abroad for COVID-19 Easy to access and amend your policy online We’ve given over 8m people peace of mind Data covers Jan 2005 - Jan 2021 Get 10% off COVID-19 tests for travel with a new policy "...with Staysure you get much more than just peace of mind...". Watch Denise and Michael's story and see how we help our customers. Stay in control of your account with My Staysure. You can make changes to your policy, online and in your own time with My Staysure. We know you don’t always want to wait in call queues. So if you need to make changes, like updating traveller details or renewing a policy that isn’t changing, visit your My Staysure account. You can also find some handy travel tips on our lifestyle page, including our guide to travelling after the coronavirus lockdown. Policies that suit your needs. No upper age limit Cover for pre-existing medical conditions Simple online quote process Optional extras available Over 80 sports and activities included What's Covered? Basic Comprehensive Medical emergencies and repatriation Up to £5 million Unlimited Cancellation Up to £500 Up to £5,000 Cutting your holiday short Up to £500 Up to £5,000 Baggage claims Up to £300 Up to £2,500 Cash lost or stolen Up to £250 Up to £500 Personal liability - Up to £2 million Legal protection cover - Up to £25,000 End Supplier Failure - £3,000 Excess £85-£100 £65 Basic Comprehensive Medical emergencies and repatriation Up to £5 million Unlimited Cancellation Up to £500 Up to £5,000 Cutting your holiday short Up to £500 Up to £5,000 Baggage claims Up to £300 Up to £2,500 Cash lost or stolen Up to £250 Up to £500 Personal liability - Up to £2 million Legal protection cover - Up to £25,000 End Supplier Failure - £3,000 Excess £85-£100 £65 Optional extras. Terrorism Cancellation Cover Available on Comprehensive policies only Be covered for choosing to cancel your holiday if there has been a terrorist act in the past 42 days within 40 miles of where you’re going on holiday. FCDO do not have to advise against travel in order to make a claim. Cruise Plus Cover Available on Comprehensive policies only Off on a cruise holiday? This covers things like not being able to dock at a scheduled port due to bad weather, and cabin confinement. Excess Waiver Available on Comprehensive policies only If you need to make a claim, having an Excess Waiver means you won’t have to pay any excess from your own pocket for each item you’re claiming for. This can’t be added retrospectively and does not apply to Terrorism Cancellation, Car Hire Excess Waiver or Gadget cover. Single Item Cover Available on Comprehensive policies only This option increases your single item, Personal Baggage cover beyond the standard £400, up to £1,000. To do this you’ll need to describe the item you’re covering and Single Item cover can’t be added retrospectively. Optional Extras. Travel Disruption Cover Offers additional cover up to £5,000 for cancelling or cutting your trip short if the FCDO... Read more European FCDO Travel Advice Extension Travel to Europe even if the FCDO advises against all but essential... Read more 100 Day Upgrade If you're aged 70 or under, you can extend your 50 day trip duration limit to 100 days for one... Read more Golf Cover Specialist cover for your golf equipment, emergency equipment hire, and non-refundable golfing... Read more Single Item Cover This add-on increases cover for a single item beyond the standard £400 limit, up to £1,000... Read more Cruise Plus Cover Add Cruise Plus Cover to your Comprehensive policy to enjoy generous cover limits for missed... Read more Connecting Flight Cover If you're taking a connecting flight to reach your destination or home, our Connecting Flight... Read more Winter Sports Provides emergency medical cover when taking part in winter sports. This add-on covers you for... Read more Gadget Cover Cover for an unlimited number of gadgets up to a £1,000 limit. Protects you against accidental... Read more Terrorism Cancellation Cover This add-on gives you the flexibility to cancel your holiday if there... Read more Excess Waiver This add-on removes the need to pay any excess for each item you’re claiming for. Cover can’t... Read more Car Hire Excess Waiver Cover for car hire excess or deposit reimbursement charged by the car hire company up to... Read more Personal Liability Up to £2,000,000 cover for legal costs and liabilities as a result of accidental property damage... Read more × Loading... Available with: Excellent. 4.7 Based on 165932 reviews on Trustpilot by Edwards "Have used Staysure Travel Insurance for a few years. Have always found the staff friendly, helpful and courteous whether discussing a renewal or dealing with a claim. Would definitely recommend." by Heather Mycock "Easy to renew and reduce my cover as I’m travelling less this year. I have 3 long term chronic conditions well controlled by tablets and I consider myself well and active. I am happy with the price too." by Chrissy "Having used Staysure Insurance before they were my first choice when booking another trip. Very happy with the cover provided and how easy the website is to navigate. Would highly recommend." People also asked. Do I need to have both doses of the COVID-19 vaccine or booster jabs for valid cover? To be covered, you need to have received all doses of the COVID vaccine that you’ve been offered, including any booster jabs. You can also be covered if you can’t have the vaccine due to a medical exemption. If you have refused any doses of the COVID vaccine or any booster jab, then you won’t be covered for COVID related claims. What if I want to go on holiday in the UK during the COVID-19 pandemic? If your destination is safe to travel to, your trip should be covered by UK travel insurance as long as you have pre-booked and paid for at least two consecutive nights of accommodation. What am I not covered for with COVID-19 holiday insurance? Not wanting to travel Buying a policy after receiving a positive COVID-19 test result or waiting for a result when your trip starts within 14 days The cost of any COVID-19 tests or results that might be needed to travel Your GP or medical practitioner advising you not to travel due to existing health conditions Quarantine costs on arrival back to the UK, if necessary Costs incurred as a result of any change of the current travel lists Do I need to declare medical conditions on my travel insurance? While you can’t yet declare COVID-19 as a pre-existing condition, it’s important to let us know about any other pre-existing medical conditions you may have. Don’t worry, you can still be covered for cancellation and medical expenses if you develop coronavirus at home or abroad. You can declare your conditions through our online medical screening process, which is a straightforward set of questions for us to understand how your medical conditions affect you. Or, you can complete the medical screening over the phone. Covering your conditions will help you to avoid large medical bills if you need treatment abroad - including treatment for COVID-19. Failure to declare any pre-existing medical conditions may affect the validity of your policy if you need to claim. Which destinations can I get covered for? You should be covered to visit most destinations across the globe, as long as the country you’ve chosen is safe to visit. To check your destination is safe to visit, take a look at the FCDO’s travel advice. The FCDO’s advice may change, so make sure you check it’s safe to travel before you set off. If the FCDO, World Health Organisation or local authorities have advised against all or all but essential travel to your destination, it wouldn’t be safe for you to travel. If you travelled against the FCDO’s advice, your policy would become invalid and wouldn’t cover you if you needed to claim. Even if advice changes while you’re on holiday, you won’t be covered if your destination was listed as unsafe when you travelled. Will my travel insurance cover the costs of COVID-19 testing? Travel insurance only covers the cost of unexpected events and emergencies. COVID-19 testing has become a routine procedure for many countries, so it isn’t covered by your travel insurance. You can get 10% off COVID-19 tests from Randox Health with new travel insurance policies, though. Get Quote Related Documents Policy Documents Key Facts Previous Versions Claims Whenever you need us, our 24/7 claims team is here for you. View claims information 100% of claims are progressed to decision stage within 2 days of receiving all documents * Subject to medical certification / test result. No cover if symptoms or diagnosis occurred prior to your policy purchase. ** No cover if your relative was already hospitalised before you left on your trip. ^ Cover only applies for newly diagnosed cases while travelling. † To be eligible for the 24 month lead time you need to have bought your policy from 29 April 2021, be 75 years old or under and have a medical score of below 6. Our Covid Cover is rated superior by an independent consumer group. 1 - Discount applies to base price only, does not include medical or add ons. Offer ends 31/1/22 Based on more Trustpilot reviews than any other travel insurance provider. Back to Top By using Staysure, you consent to cookies that make your browsing experience better.
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  • cover
  • 55
  • 16
  • travel
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  • covid
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  • 29 april 2021
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Result 17
TitleTravel Insurance | Help and support | Post Office
Urlhttps://www.postoffice.co.uk/help-support/travel-insurance
DescriptionGet the help and answers you need about Post Office Travel Insurance. New policies come with coronavirus cover as standard to help protect and give you peace of mind when it’s safe to travel
Date
Organic Position17
H1Travel Insurance
H2Manage your policy online
Travel Insurance - My account
How to contact us
General enquiries for all policies 0330 123 3690*
To make a claim
Policy numbers beginning with TC - 0333 333 9702*
Policy numbers beginning with TE - 01403 330 233
Emergency medical assistance
Policy numbers beginning with TC - 0203 865 3074
Policy numbers beginning with TE
H3Help and Support
Travel Insurance with Covid-19 cover
Common questions about coronavirus cover
Need help with something else?
Mortgages
Life Insurance
Savings
H2WithAnchorsManage your policy online
Travel Insurance - My account
How to contact us
General enquiries for all policies 0330 123 3690*
To make a claim
Policy numbers beginning with TC - 0333 333 9702*
Policy numbers beginning with TE - 01403 330 233
Emergency medical assistance
Policy numbers beginning with TC - 0203 865 3074
Policy numbers beginning with TE
BodyTravel Insurance Check the latest on our services, how to manage your policy online and get answers to common questions about our cover Travel Insurance with Covid-19 cover . Our latest policies offer extra protection and reassurance in light of the Covid-19 outbreak. Once travel’s again permitted and your destination’s safe to visit, they’ll give you all this Covid-19 cover:   Before you go: Cancellation within 14 days of your trip should you test positive  Cancellation if a close relative^ passes away after testing positive for Covid-19  Curtailment if you test positive for Covid-19 at your outward departure point and are not allowed to go on your trip  Missed departure while waiting for test results* (negative result included, you must arrive at your departure point within the time stated, and the testing is to take place at your departure point)  While you’re travelling: Curtailment if you test positive upon arrival at your destination**  Curtailment if you test positive for the virus or are medically quarantined for 24+ hours whilst in destination**  Curtailment if a close relative^ passes away from Covid-19 back at home  Emergency medical and additional expenses, including getting you home  There’s NO cover for: Travelling against Foreign, Commonwealth & Development Office (FCDO) advice or any Government restrictions (including UK lockdowns or travel bans)  Changes to FCDO or local Government travel advice while you’re away  Not wanting to travel for fear of catching Covid-19  Unlimited costs (each level of cover has a maximum benefit)  Buying a policy after receiving a positive Covid-19 test result or waiting for a result when your trip starts within 14 days  Following general advice from a government to self-isolate, including any quarantine requirements upon re-entering the UK  The cost of any medical tests or results  Your GP or medical practitioner advises not to travel due to existing health conditions. For more details check the answers to common questions below and the full policy wordings so you’re in no doubt what’s covered. Remember, your cover won’t be valid if you travel against FCDO advice on international travel and Government guidance on travel within the UK. This can change often and at short notice, so please check it regularly and again before you go.   *Not available on Economy ** Economy, Standard and Premier levels of cover only ^ Close relative: Your spouse, civil partner, or the person with whom you are permanently cohabiting in a marriage-like relationship, son, daughter (including adopted or foster child), mother, father, sister, brother, grandmother, grandfather, grandchild, fiancé(e) and next of kin, including the same in law and step-relations. Interested in Travel Insurance with Covid-19 cover? Get a quote Manage your policy online. From your computer, smartphone or tablet. down-arrow icon chevron-right icon Travel Insurance - My account . Log into travel insurance account plus icon minus icon chevron-right icon Common questions about coronavirus cover. Where can I travel to and will my insurance cover it? Our "Where can I go on holiday?" guide answers this question in more detail, with links to the most up to date sources of official guidance on where you can travel to in this time of Covid-19 and what's required of you if you do. This includes any requirements for Covid-19 testing and quarantine when visiting different destinations, and whether they're affected by your vaccination status. The key thing to remember is that if the Foreign, Commonwealth and Development Office (FCDO) advises against all or all but essential travel to your destination but you travel there anyway, you'll invalidate your travel insurance policy. If there's no such advice in place, your travel insurance should cover you for the trip as set out in the terms of your policy. Check the latest FCDO travel advice regularly to make sure you'll be covered if you go. Do I need a coronavirus test before I travel? Many countries now require a certificate from an officially recognised testing centre that confirms you’ve tested negative for coronavirus, or that you’re double vaccinated and your last vaccination was more than 2 weeks ago. Whatever your vaccination status, if you’re returning from a country you’re allowed to visit you’ll need to test yourself for Covid-19 when you arrive in the UK – twice if not fully vaccinated – and self-isolate if the result is positive. Our “Where can I go on holiday?” article summarises the current general requirements for testing and quarantine, where needed. For the very latest information, including specific requirements for your destination, always check the FCDO travel advice page. It has dedicated pages for all countries and territories that include what’s needed to enter them. Testing must be conducted at the traveller’s expense and the prices can vary, so shop around for prices from reputable UK test providers. Make sure you allow plenty of time to take the tests and get the results, so you don’t risk a wait that could delay or prevent your trip altogether. Will my travel insurance be valid if I travel? It's important to note the FCDO advice and the red list are two separate things, controlling two separate issues: FCDO advice determines if you can safely travel to a destination or not. As such, it also determines whether your travel insurance policy will be valid The red list is a UK government list of countries from which people travelling to the UK are subject to the tightest restrictions, including the need to quarantine on arrival, to minimise the risk of coronavirus and its variants spreading here. A country may not be on the red list for re-entry requirements but could have FCDO advice in place advising against essential travel, for example due to terrorist activity or natural catastrophe there. Equally, a destination might be on the red list and have no official FCDO advice against travel there, in which case your travel insurance policy may still be valid. You must always check the latest lists before you book. Scroll down the page to see all of the information available, regardless of the list your destination is on now. And check the local entry requirements for your destination too. What’s covered by existing policies bought between 17 June and 5 September 2020? Policies sold from 17 June 2020 to the 5 September 2020 cover trips to any international destination to which the FCDO hasn’t advised against or all or all but essential travel when the time comes to go. They’ll also cover trips within the UK if Government guidance allows it at the time. These policies cover Covid-19-related illness while you’re away, paying your costs for emergency medical treatment or transport home. But there’s no other cover for Covid-19 or any related or mutated form of Covid-19, under any other section of the policy. If you bought a policy within these dates, you won’t be able to claim for costs due to cancelling or cutting short your trip due to Covid-19. Please check if your airline, tour operator or travel company can move your trip. We can look at moving the period your policy covers by up to 1 year from your original purchase date. The above is subject to the terms, conditions and benefit limits of your policy. Can I travel to a red list country and will my travel insurance cover it? Whether your travel insurance will cover your trip to a specific destination is determined by the FCDO’s advice on international travel, not necessarily by the list that destination is placed on in relation to Covid-19. If, for example, a red country has no advice against all or all but essential travel in place from the FCDO, your policy will still be valid and your trip there covered. But you will still need to take the tests required for red list countries and isolate at a government hotel on your return to the UK, paying the associated costs. None of those expenses are covered under the policy. If there is advice against travel in place from the FCDO and you travel against it, your policy won’t cover the trip. The same will be true if a country is deemed safe from a coronavirus point of view but the FCDO advises against travel for another reason, such as a natural catastrophe – the policy won’t cover the trip. That said, it’s likely that red list countries will also have FCDO advice against travel or all but essential travel – in which case trips there wouldn’t be covered. The simplest way to confirm if your policy will be valid is to check the latest FCDO advice for your specific destination. Please note that any local government restrictions must be adhered to also. What happens if my destination is placed on the red list? If your destination is placed on the red list before you travel contact your tour operator, flight and/or accommodation provider to see if they can move your trip. We’ll happily move the start date of your Single-trip Travel Insurance policy by up to 12 months from the original purchase date. If you wish to extend the duration of your Single-trip policy, change your trip destination or you have a new or changed medical condition, you may have to pay a bit more. Please call us on 0330 123 3690 to arrange these changes. If your destination moves to the red list while you’re away, there’s no cover for curtailment costs if you cut your trip short, including any expense of getting you back home early. If this happens, please contact your airline to see what support is available. There’s also no cover for any additional costs for testing or quarantine, whether at home or in a government hotel. If you need these, you’ll need to cover the costs yourself, so it’s worth considering this possibility if you’re booking a trip to a country that could be placed on the red list. What if the FCDO advice for my destination changes while I’m there? Suppose you buy a new policy, travel to a destination for which there is no FCDO advice against travel, but the advice changes while you’re there to avoid all or all but essential travel there. If the reason for the change was something other than Covid-19, you can claim for unused travel and accommodation costs from the date it changed. If it’s coronavirus-related, you won’t be able to claim. Check your policy wording, terms and conditions for more details. Can I claim for cancellation on my travel insurance policy? For policies sold from 17 June to 5 September 2020, there is no cover for cancellation due to Covid-19. For policies taken out from 6 September 2020, cancellation in relation to Covid-19 is covered if: You test positive for the virus within 14 days of travel A close relative^ or someone you were going to stay or travel with passes away after testing positive for Covid-19 There’s no cover for cancellation if: The FCDO changes its travel advice to advise against all but essential travel to your destination for a Covid-19 related reason If this happens, please contact your airline and/or tour operator to see if it’s possible to change the dates of your trip or switch to a different destination. Always check your travel insurance policy terms and conditions. ^Close relative: Your spouse, civil partner, or the person with whom you are permanently cohabiting in a marriage-like relationship, son, daughter (including adopted or foster child), mother, father, sister, brother, grandmother, grandfather, grandchild, fiancé(e) and next of kin, including the same in law and step-relations. Will I be covered if I want to cut my trip short due to Covid-19? For policies purchased from the 6th September 2020, should a close relative test positive with Covid-19 and pass away during your trip, you are able to curtail and claim back any unused costs. Please ensure to contact the Emergency Medical phone line for assistance. Cutting your trip short for fear you may catch a coronavirus such as Covid-19 is not a valid reason to claim and won’t be covered. We suggest you first contact your travel provider to see if you can be moved to a different area. If your airline cancels a planned flight, cutting your trip short, they must pay for meals, overnight accommodation and get you a replacement flight as soon as possible. They’re not liable if you cut the trip short but your original flight is still scheduled to operate. If a tour operator cuts short your trip, they’re obliged to get you home as soon as possible, paying for up to three more nights’ accommodation if needed. My airline/tour operator/travel company/accommodation provider has cancelled my trip. Can I claim? If your travel or accommodation providers cancel, please contact them first. If an airline or tour operator cancel your flight or trip, they must reimburse you or provide an alternative. If you’ve booked independently, some accommodation and car parking providers won’t give refunds. So, if you booked with a credit or bank card, contact your card issuer first to see if you’re covered. If you’re able to rearrange your travel plans, we’ll happily transfer your cover to your new trip dates up to 12 months from your original policy purchase date. Have a non Covid-19 question? Get answers about the regular features of our cover. More Travel Insurance FAQs How to contact us. down-arrow icon chevron-right icon General enquiries for all policies 0330 123 3690*. Monday to Friday 9am to 5:30pm Or use our travel insurance enquiry form To make a claim. Call Monday to Friday 9am to 5pm  down-arrow icon chevron-right icon Policy numbers beginning with TC - 0333 333 9702*. You can submit a claim online here Or email [email protected] down-arrow icon chevron-right icon Policy numbers beginning with TE - 01403 330 233. You can submit a claim online here Or email [email protected] Emergency medical assistance. Available 24 hours a day down-arrow icon chevron-right icon Policy numbers beginning with TC - 0203 865 3074. down-arrow icon chevron-right icon Policy numbers beginning with TE . From anywhere except USA, Canada or Mexico +44 (0) 1403 289 163 From the USA or Canada +1 877 324 0460 toll free From Mexico +1 819 780 0644 chevron-right icon down-arrow icon Need help with something else?   Here’s where to get answers and support with these related products and services.   Mortgages. Manage your mortgage account online, contact us for support or read our FAQs. Mortgages help Life Insurance. Contact us, find answers or claim on an existing policy, or get in touch about a new one. Life Insurance help Savings . Get help and support with Savings, Bonds and ISA accounts from Post Office. Savings help ^ Immediate/close relative: your spouse, civil partner or the person you permanently cohabit with in a marriage-like relationship; your son, daughter (including adopted or foster child), mother, father, sister, brother, grandmother, grandfather, grandchild, fiancé(e); and your next of kin, including the same in-law and step-relations.   * Calls to 03 numbers will cost no more than calling a standard geographic number starting with 01 or 02 from your fixed line or mobile and may be included in your call package dependent on your service provider. Calls may be monitored or recorded for training and compliance purposes.  
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Result 18
TitleCoronavirus update
Urlhttps://www.allianz.co.uk/coronavirus.html
DescriptionCoronavirus update for customers
Date
Organic Position18
H1
H2Key information for customers
H3Contacting Allianz
Our latest updates for:
Useful links
Follow us
H2WithAnchorsKey information for customers
BodyWarning: You are using an outdated Browser, Please switch to a more modern browser such as Chrome, Firefox or Microsoft Edge. Open with Edge Help and Contact COVID-19 Latest Search Search Cancel GO Help and Contact Coronavirus (COVID-19) information . Key information for customers . In line with the latest UK government guidance regarding the Coronavirus (Covid 19) pandemic, we've updated our information and FAQs. Contacting Allianz . Our teams remain fully operational on a working from home or hybrid basis. We have started a limited programme of reopening some offices with a small number of colleagues returning but this will only continue cautiously, in line with any local and national health and safety recommendations and requirements. Any colleagues who have exhibited significant symptoms are self-isolating and any colleagues who have been in close proximity to these individuals have also been asked to self-isolate  as per government guidelines. Please continue to contact us via email and phone. We also have inbound and outbound postal processes in place that mean we can receive, send and process your postal documents. We continue to process your instructions as quickly as possible and can now accept cheques, however there may be a delay in processing these. Our preferred option at this time would be electronic payments (BACS, CHAPS). Our latest updates for: . brokers engineering inspection Allianz legal protection Allianz Musical Insurance Payment of premiums If you require support as a direct result of COVID-19, please contact your broker to discuss your needs and what assistance may be available. Under some circumstances an adjustment to the cover required may be available and / or we may be able to assist with deferred payments. Please do not cancel your Direct Debit Instruction as this may trigger our automated default process, which could result in the cancellation of your policy. If you are experiencing financial difficulties you may wish to seek financial advice. The Money Advice Service has created a Money Navigator Tool to assist with getting started and their website includes details of free advice services. The Financial Services Authority has also published information for consumers dealing with financial difficulties during coronavirus. Business interruption claims The FCA Test Case Appeal concluded on 15 January 2021. Although Allianz was not a defendant in the case we welcome the clarity the judgment provides and have continued to make payments on claims where we believe there is valid cover. Allianz has contacted all affected customers regarding how the judgment affects their claim. Please see our Claims page which details our claims processes and contacts by line of business. We are experiencing higher volumes of traffic than usual through our phone lines and would encourage customers to notify claims online via our website. If you are a Fleet Manager, the easiest way to notify a new Fleet claim is via the Allianz Claims Hub. You can also track progress of all existing motor claims. Fleet Drivers can also notify fleet claims via our Allianz Notify app. If you are a Fleet Manager and don’t yet have access to the Allianz Claims Hub, please request access for your business using our online form. Q: What evidence is required of covid at the premises? A: The FOS have ruled that it is for the customer ("the claimant") to provide evidence which supports their claim. Although there were many cases of Covid-19 in the UK in March 2020, there was not widespread testing and many other viruses with similar symptoms, such as flu and colds, continued to circulate. For us to determine that, on the balance of probabilities, there was a person with Covid-19 at the premises in the relevant period prior to the interruption, we would require good evidence that Covid-19 was present and not another disease. Commercial motor policies and NHS volunteering We’re aware that many of our Commercial Motor customers will want to support people in their communities who are impacted by COVID-19, including the NHS Volunteer responder scheme. If you or one of your employees uses their company vehicle for voluntary purposes (non-payment) to transport medicine or groceries to support others or for the activities of an NHS volunteer responder, subject to your permission and any existing conditions (such as driving restrictions), your cover will not be affected. You do not need to contact us to update documents or extend your cover. Cover will not be affected by the end of the Covid-19 restrictions. If you have any questions regarding your policy coverage and what may or may not be covered, please contact your insurance broker who can discuss your terms and conditions in detail.  Travel insurance For all Allianz travel insurance queries please visit the Allianz Assistance information page for further information regarding the impact of Conronavirus (COVID-19). Find out more Legal matters relating to COVID-19 If your policy from Allianz includes legal expenses cover, you also have access to our TALK Legal helpline, which can provide advice on a wide variety of topics that may be relevant in the current circumstances. To help you find what you’re looking for more quickly, we’ve listed frequently asked questions relating to COVID-19.  If you can’t find what you’re looking for, policyholders can call our legal advice line on 0370 241 4140 about any legal matter. Lines are open 24 hours a day, 7 days a week. Allianz representative site visits As we resume site surveys where they can be done in a COVID-19 secure manner, customer and employee safety remains our highest priority. We’ve produced customer guidance outlining our approach to remote and site surveys, what it means for you and the additional control measures we’re taking to keep our engineers and investigators safe and mitigate the risk of spreading COVID-19. COVID-19: LOSS CONTROL ENGINEER SITE VISITS – CUSTOMER GUIDANCE COVID-19: CLAIMS INVESTIGATOR SITE VISITS – CUSTOMER GUIDANCE COVID-19: MOTOR ENGINEER SITE VISITS – CUSTOMER GUIDANCE Useful links . Association of British Insurers (ABI) - business insurance and Covid-19 World Health Organisation (WHO) - Covid-19 Gov UK - Coronavirus Follow us .
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Result 19
TitleFAQs About Insurance Claims Amid Coronavirus Pandemic
Urlhttps://www.aarp.org/money/budgeting-saving/info-2020/insurance-policies-during-coronavirus-faq.html
DescriptionHere are some answers to your questions about health, auto and other insurance policies and claims during the pandemic
Date9 Nov 2021
Organic Position19
H1AARP Answers: Your Insurance Coverage and the Coronavirus
H2The latest on auto, home, life and health policies during the outbreak
H3
H2WithAnchorsThe latest on auto, home, life and health policies during the outbreak
BodyAARP Answers: Your Insurance Coverage and the Coronavirus The latest on auto, home, life and health policies during the outbreak. by Andy Markowitz, AARP, Updated November 9, 2021 eternalcreative/Getty Images En español . Will my life insurance policy cover COVID-19? Yes. As long you have an active life insurance policy in good standing, your beneficiary or beneficiaries will get a death benefit should you die of coronavirus-related complications. In addition, your insurer cannot change your premiums or your health classification because you have or had COVID-19 or are at higher risk of exposure due to your job or recent travel to a virus hot spot. Claims on social media that life insurance companies will not pay off on a policy if the customer received a COVID-19 vaccine are "entirely false," according to the American Council of Life Insurers. "Life insurers do not consider whether or not a policyholder has received a COVID vaccine when deciding whether to pay a claim," the trade group said in a statement on its website. "Nothing has changed in the claims-paying process as a result of COVID-19 vaccinations."  What if I don't have life insurance? Can I get it during the pandemic? Yes. Insurers continue to offer new whole life and term life policies. “We have seen an increase in life insurance applications, perhaps as a result of the pandemic,” says Gina Morss-Fischer, a public affairs specialist at State Farm. However, getting covered could take longer, particularly if you are in a high-risk group, have recently traveled to a hot zone or had COVID-19 yourself. “It has become relatively common for survivors of COVID-19 to have their life insurance application be postponed for 30 days and provide medical records or other valid evidence that they are fully recovered,” says Eloise Spinello, a life insurance expert with online insurance marketplace Policygenius. Nationwide, for example, will consider a policy for someone who tested positive for COVID-19, but did not need hospitalization, once they’ve been symptom-free for 30 days. If the applicant was hospitalized, the waiting period is six months, a company spokesperson says. Age is a risk factor for COVID-19 — are life insurers taking that into account? Some are. Several large insurers restricted sales of new life policies for older adults. For example, Prudential, Lincoln National, Protective Life and Securian have suspended or postponed policy applications for people age 80 and over. Spinello says some companies have loosened age restrictions put in place early in the pandemic “as they’ve gained more information and data about what constitutes a higher COVID-19 risk.” Mutual of Omaha, for example, initially suspended sales of fully underwritten life policies (which require a medical exam) for those age 70 and over but has since raised the cut-off age to 80. “Insurers will continue to evaluate the situation as more data becomes available, and they are watching the vaccine rollout closely,” Spinello says. Could the outbreak affect my long-term care (LTC) insurance? According to Genworth, which issues LTC policies, premiums for existing policies can’t be raised for specific customers due to individual circumstances. However, rates can be subject to periodic group increases based on an insurer’s claims history, or actuarial projections for future claims. For example, using claims or actuarial data, insurers can ask state regulators to let them increase LTC premiums for groups of similar policyholders in that state. Any changes arising from the outbreak “wouldn’t happen immediately, as the insurers need time to do the proper research and analysis to verify necessary rate changes,” Policygenius CEO Jennifer Fitzgerald says. “As of now, we have not seen any impact on [existing] long-term care policies because of coronavirus.” The outbreak could have an effect if you are looking to purchase a new LTC policy. As with life insurance, age and health status can affect whether you qualify for long-term care insurance and what you pay. LTC insurers may take into account whether you are at elevated risk or have tested positive for COVID-19 in assessing a policy application. Are auto and home insurers offering policyholders any financial relief? Many did in the earlier stages of the pandemic. With most Americans sheltering in place and staying off the roads, major auto insurers provided partial refunds on premiums to customers in the spring and summer of 2020. While those companies have resumed normal billing, many offer help on a case-by-case basis to auto and home policyholders facing coronavirus-related financial hardship — for example, you may be able to request a flexible payment plan or other relief. In addition, some states have issued guidelines on billing leniency for insurance customers during the pandemic. Check your insurance company’s coronavirus web page or contact your state’s insurance department to learn about your options, and talk to your insurer before skipping any payments. Will it take longer for auto and home claims to get processed? Possibly. Many insurance claims involve person-to-person contacts that may be restricted or affected during the pandemic. For example, insurers may not be able to send an adjuster to investigate a home or auto claim. Wait times to get an agent on the phone may be longer. Third parties that play a role in damage claims, such as contractors and car repair shops, may be closed or keeping limited hours. “Because of this, one of the big things we’re seeing changing is how consumers file claims, both for home and auto insurance,” Fitzgerald says. “Some insurers are transitioning to allowing their policyholders to file virtual claims.” My small business was shut down by the pandemic. Will insurance cover my losses? It depends on the terms of your policy. Talk to your insurance company or broker, but be prepared for bad news: Even if your insurance includes “business interruption” coverage, it might not cover losses from the outbreak. Business interruption coverage is typically tied to physical damage from a cause you are insured for, such as a fire or hurricane. Absent such damage, it can be difficult to press a claim, says Shannon O’Malley, a partner in the Dallas office of the national law firm Zelle LLP, who wrote in-depth analysis of the issue early in the pandemic. In addition, many business policies explicitly exclude claims arising from a virus or communicable disease, or don’t address those causes, which can effectively mean the same thing. A flurry of lawsuits filed by businesses ranging from restaurants and hair salons to Major League Baseball teams have challenged insurance companies’ denial of COVID-related claims, but state and federal courts are largely finding for the insurers, according to tracking by the University of Pennsylvania’s Carey Law School. Even if a policy includes “civil authority” provisions related to a government order to close, these typically require that the order arise from physical damage caused by a covered event, O’Malley says. Claims on this basis are complex and contingent on individual circumstances; consider consulting an attorney well versed in insurance law to discuss your situation. Will my health insurer make me pay anything if I need coronavirus treatment? It depends on your health plan. Most large insurers waived cost-sharing for COVID-19 testing and treatment for most of 2020 and into 2021, but more than 4 in 5 were applying copays, coinsurance and deductibles for some of these services by the end of October, according to a Kaiser Family Foundation analysis. Regardless of your insurer, you should not have to pay anything out of pocket for federally approved COVID-19 vaccines.  More information is available from insurers’ websites. If your provider is not listed, call your health plan’s customer service number to find out about its coronavirus response. Aetna: No cost-sharing for diagnostic testing to determine whether treatment is needed, or for antibody tests ordered by a physician or medical professional. The waiver does not apply to tests for the purpose of returning to work or school, except as required by law. Cost-sharing is in effect for treatment for COVID-19. Anthem: No out-of-pocket costs for doctor-ordered COVID-19 testing and test-related visits. Copays, coinsurance and deductibles apply for COVID-19 medical care, according to the terms of your health plan. Blue Cross/Blue Shield: Blue Cross/Blue Shield is an association of member companies that operate independently, and COVID-19 cost-sharing policies may differ from state to state. Use the map at the Blue Cross/Blue Shield coronavirus web page to check on procedures in your state. Cigna: No out-of-pocket costs for COVID-19 diagnostic tests, or for diagnostic office visits with an in-network provider, through the end of the federally declared public health emergency, which currently runs until Jan. 16, 2022. There is cost-sharing for COVID-19 treatment. Health Care Services Corporation (HCSC): No cost-sharing for FDA-approved COVID-19 diagnostic tests or for testing-related visits with in-network providers until the end of the public health emergency. Out-of-pockets costs apply for COVID-19 treatment. Humana: COVID-19 diagnostic tests are 100 percent covered for Medicare Advantage plan holders in all circumstances and for members insured through employer plans if the test is ordered by a health care professional. Out-of-pockets costs for COVID-19 treatment are waived for the 2021 plan year for Medicare Advantage members, but standard copays, coinsurance and deductibles apply for people with employer plans. Kaiser Permanente: No-cost testing is available to members. COVID-19 treatment is subject to your policy's cost-sharing provisions. United Healthcare: No out-of-pocket costs for FDA-approved diagnostic tests ordered by a health care professional, or for testing-related visits, during the federal public health emergency. Standard cost-sharing applies for COVID-19 treatment with one exception: Medicare Advantage clients with a positive diagnosis can receive monoclonal antibody treatment at no cost through 2021. Is Medicare covering COVID-19 vaccines, testing and treatment? Medicare will pay all costs for any federally authorized COVID-19 vaccine and for testing ordered by a doctor or other health care provider. There will be no out-of-pocket costs, whether you have Original Medicare or a Medicare Advantage plan. People with original Medicare who are hospitalized for COVID-19 treatment will still have deductibles and copays. If you have a supplemental Medigap plan, it may cover these costs. If you have Medicare Advantage, out-of-pocket costs for hospital and outpatient treatment vary by plan. Contact your Advantage plan provider. You'll find more information in our AARP Answers on Medicare and the coronavirus. What about Affordable Care Act (ACA) health plans? Plans purchased through the ACA marketplace are required to cover emergency services and hospitalization, and that would apply to such treatment for COVID-19. You may incur out-of-pocket costs, depending on your plan. Some major providers of ACA plans, such as Centene and Molina Healthcare, have waived cost-sharing on coronavirus treatment for marketplace customers. Ask your plan provider about its coverage. For more information, see the AARP Answers on ACA insurance and the coronavirus. I don't have health insurance. Can I get covered? You may be able to get Medicaid, the federal-state health care program for low-income people, or an ACA plan. Medicaid enrollment is open all year. More than 4 million people have signed up since the start of the pandemic, according to data from the U.S. Centers for Medicare & Medicaid Services (CMS). Eligibility is based primarily on income and differs by state — contact your state's Medicaid program for information. ACA plans in most states are sold through the federal marketplace, which operates this year from Nov. 1 to Dec. 15. Several states also plan to maintain open enrollment beyond the federal period, in some cases into late January. Check with your state's exchange for information.   Outside of your state's open enrollment window, you can sign up for an ACA plan if you qualify for a special enrollment period due to a life-changing event, such as a loss of previous health coverage. Some health insurers sell short-term policies with low premiums, but these offer limited benefits and, unlike with Medicaid and ACA plans, you can be turned down for a preexisting condition. Closely read and carefully consider a short-term plan's provisions before signing up. Editor’s note: This story has been updated to reflect new COVID-19 information. Also of Interest. 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The provider\u0027s terms, conditions, and policies apply.","created_user_role":"","is_no_end_date":"","advertisement_flag":"","disclaimer_label":"","disclaimer":"","merchant_logo":"","show_phone_number_above_cta":false,"merchant_phone_label":"or, call Marcus at","merchant_phone":"1-833-956-2277","howto_redeem_label":"How to Access","howto_redeem_expired":"Renew to Learn More","howto_redeem_expired_2":"Renew to Learn More","howto_redeem_expired_link":"https://appsec.aarp.org/mem/renew","howto_redeem_expired_link_2":"https://appsec.aarp.org/mem/renew","howto_redeem_non_member":"Join to Learn More","howto_redeem_non_member_2":"Join to Learn More","howto_redeem_non_member_link":"https://secure.aarp.org/applications/membershipChallenge/showChallengeForm.action?appName\u003daccount","howto_redeem_non_member_link_2":"https://secure.aarp.org/applications/membershipChallenge/showChallengeForm.action?appName\u003daccount","howto_redeem_anonymous":"Join to Learn More","howto_redeem_anonymous_2":"Join to Learn More","howto_redeem_anonymous_link":"https://appsec.aarp.org/mem/join?campaignid\u003dUASMBP1\u0026intcmp\u003dEWHERE-MBCHAE-LP-MMA-JOIN","howto_redeem_anonymous_link_2":"https://appsec.aarp.org/mem/join?campaignid\u003dUASMBP1\u0026intcmp\u003dEWHERE-MBCHAE-LP-MMA-JOIN","howto_redeem_already_registered_anon_label":"Already a member?","howto_redeem_already_registered_anon":"Login now.","howto_redeem_already_registered_nonmember_label":"Already a member?","howto_redeem_already_registered_nonmember":"Link your membership","howto_redeem_already_registered_nonmember_link":"https://secure.aarp.org/applications/membershipChallenge/showChallengeForm.action?appName\u003daccount","howto_redeem_already_registered_anon_link":"https://login.aarp.org/online-community/loginform.action","howto_redeem":"Learn More","howto_redeem_2":"Learn More","howto_redeem_url":"https://www.marcus.com/us/en/personal-loans/AARP-loans?arid\u003d%3cuniqueid\u0026chl\u003dag\u0026cid\u003dupd\u0026lid\u003dmb\u0026prd\u003dpl\u0026schl\u003dari","howto_redeem_url_2":"","show_redeem_cta_2":false,"howto_redeem_desc":"Complete an application at the Marcus website or by phone.","is_redeemable_in_person":"","howto_redeem_in_person":"","howto_redeem_cta_phone":"","howto_redeem_phone_instructions":"","howto_redeem_online_instructions":"","show_state_availability":"","state_availability_text":"SEE AVAILABILITY IN YOUR STATE","cardlinked_flag":"","ty_interstitialText":"Thanks for visiting aarp.org! Come back again to check out all of the AARP Member Benefits and unlock the full power of membership.","ty_ctaText":"Continue","ty_socialMissionFlag":"","hideRestrictionsTab":"","hideLeavingAARP":"","hide_lto":"","lto_model_heading":"Limited Time Member Offers","lto_model_heading_spanish":"Ofertas para socios por tiempo limitado","lto_advertisement":"Member Exclusive Advertisement","lto_advertisement_spanish":"Anuncios publicitarios exclusivos para socios","lto_daysleft":"Days Left","lto_daysleft_spanish":"Días restantes","geoloc_experience_type":"full_location","geoloc_tab_label":"Locations","geoloc_tab_label_spanish":"Ubicaciones","geoloc_hide_tab":"true","geoloc_find_location_label":"Find a Location","geoloc_find_location_label_spanish":"Encuentre una ubicación","geoloc_tab_hint_text":"Enter an address, city, or ZIP","geoloc_tab_hint_text_spanish":"Ingresa tu dirección, ciudad o código postal","geoloc_search_icon":"","geoloc_total_results_label":"Result(s)","geoloc_total_results_label_spanish":"Resultado(s)","geoloc_see_more_button_text":"See More","geoloc_see_more_button_text_spanish":"Ver más","geoloc_see_more_label_text":"See More","geoloc_see_more_label_text_spanish":"Ver más","geoloc_see_more_limit_option":"","geoloc_provider_link_cta":"Learn more about this benefit by visiting the provider website","geoloc_provider_link_cta_spanish":"Obtenga más información sobre este beneficio visitando el sitio web del proveedor","geoloc_provider_link_cta_url":"","geoloc_provider_legal_info":"You will leave AARP.org and go to the website of a trusted provider. The provider’s terms, conditions, and policies apply.","geoloc_provider_legal_info_spanish":"Dejarás el sitio de AARP y accederás al de un proveedor confiable. Aplican los términos, las condiciones y políticas del proveedor. Este sitio web podría no estar disponible en español.","geoloc_no_results_view_message":"There are no locations within a 100 mile radius. Please try another location","geoloc_no_results_view_message_spanish":"No hay ubicaciones dentro de un radio de 100 millas. Intenta con otra ubicación","geoloc_mobile_list_cta":"LIST VIEW","geoloc_mobile_list_cta_spanish":"VISTA DE LA LISTA","geoloc_mobile_list_cta_url":"","geoloc_mobile_map_cta":"MAP VIEW","geoloc_mobile_map_cta_spanish":"VISTA DEL MAPA","geoloc_mobile_map_cta_url":"","geoloc_mobile_button_cta":"VIEW MORE","geoloc_mobile_button_cta_spanish":"VER MÁS","geoloc_mobile_button_cta_url":"","geoloc_show_results_within_label_text":"Show results within","geoloc_show_results_within_label_text_spanish":"Mostrar resultados dentro","geoloc_miles_label_text":"Miles","geoloc_miles_label_text_spanish":"Millas","geoloc_hide_see_more_button":"false","geoloc_hide_see_more_button_spanish":"false","rewardId":"","hide_r4g_badge":"","redemption_content":"","authentication_code_provider":"","authentication_code_provider_2":"","pixel_view_offer_value":"NY5_pHF-","pixel_learn_more_value":"NY5_0UIx","is_redeemable_only_in_person":false,"offer_keywords":["marcus goldman sachs","personal loan","financial help","no-fee loans","savings on personal loans"],"offer_keywords_spanish":["marcus goldman sachs","Préstamo personal","Ayuda financiera","Préstamos sin cargo","Ahorros en préstamos personales"],"deeplink_url":"/benefits-discounts/?offer\u003dpersonal-loans-from-marcus-by-goldman-sachs","deeplink_param_value":"personal-loans-from-marcus-by-goldman-sachs","offer_page_path":"/benefits-discounts/all/personal-loans-from-marcus-by-goldman-sachs/","offer_page_data":"/content/aarpe/en/home/benefits-discounts/all/personal-loans-from-marcus-by-goldman-sachs/_jcr_content/.dataview.json","offer_page_modal":"/benefits-discounts/all/personal-loans-from-marcus-by-goldman-sachs.modalview/","evol_offer_page_path":"/benefits/all-offers-a-z/evol.personal-loans-from-marcus-by-goldman-sachs/","evol_offer_page_modal":"/benefits/all-offers-a-z/evol.modalview.personal-loans-from-marcus-by-goldman-sachs/","dbr_offer_id":"7d0528543841282fb5317151984e0f3d","image_alt_text":"Smiling senior man newspaper glasses","vertical_image_alt_text":"Smiling senior man newspaper glasses","provider_logo_alt_text":"Digital Banking and Investing Logo","provider_image_alt_text":"","offer_date_status":"n/a","image_url_width":"1140","image_url_height":"641","image_cdn_uri":"https://cdn.aarp.net/content/dam/aarp/benefits_discounts/providers/marcus-by-goldman-sachs/1140x641-marcus-by-goldman-sachs-personal-loans-man-smiling-green-shirt-glasses-newspaper-feb-2020.imgcache.rev7b3634afa7528a861b2a86a6ec2bbcb9.jpg","vertical_image_cdn_uri":"https://cdn.aarp.net/content/dam/aarp/benefits_discounts/providers/marcus-by-goldman-sachs/258x334-marcus-by-goldman-sachs-personal-loans-man-smiling-green-shirt-glasses-newspaper-feb-2020.imgcache.revafd0a6ca0085f9e22060873c75a931d4.jpg","vertical_image_url_width":"258","vertical_image_url_height":"334","provider_image_cdn_uri":"","provider_logo_cdn_uri":"https://cdn.aarp.net/content/dam/aarp/benefits_discounts/providers/marcus-by-goldman-sachs/450x450-digital-banking-and-investing-from-marcus-by-goldman-sachs-logo.imgcache.rev9480d5ba4a8965ec618360336f358eed.jpg","provider_image_width":"","provider_image_height":"","provider_logo_width":"450","provider_logo_height":"450","authentication_code_provider_url":"","authentication_code_provider_2_url":"","tags":[{"tagID":"dbr:finances","title":"Finances","svgPathCdn":"https://cdn.aarp.net/content/dam/aarp/benefits_discounts/icons/icon-retirement e654.imgcache.revb2af031567fe1504be85021aef1ce698.svg","name":"finances","deeplink_url":"/benefits-discounts/?category\u003dfinances","deeplink_param_value":"finances","get_offers_url":"/etc/aarp/dbr/ws.api/offers/finances.json","sub_tags":[{"tagID":"dbr:finances/banking-investments","title":"Banking \u0026 Investments","name":"banking-investments","deeplink_url":"/benefits-discounts/?category\u003dfinances-banking-investments","deeplink_param_value":"finances-banking-investments","get_offers_url":"/etc/aarp/dbr/ws.api/offers/finances-banking-investments.json"}]}],"ltos":[],"lto_daysleft_start_control":30,"master_brand":"personal-loans-from-marcus-by-goldman-sachs","analytics_brand":"Marcus by Goldman Sachs | Personal Loans from Marcus by Goldman Sachs®","analytics_offerid":"personal-loans-from-marcus-by-goldman-sachs","category_list":"finances","subcategory_list":"finances-banking-investments","dbr_offer_type":"discount","offer_timing":"anytime","parent_offer_page_path":"","append_aid_paramter":"","taxonomy_general_category":"money","taxonomy_level_1":"personal-finances"},"parentOfferJson":{}}]} Technology & Wireless AT&T Members can save monthly on qualified AT&T wireless plans learn more See more Technology & Wireless offers > {"hideCategory":false,"useAlternateLanguage":false,"headlineIconAltText":"","listItems":[{"categoryTitle":"Technology \u0026 Wireless","categoryUrl":"/benefits-discounts/?category\u003dtechnologyandwireless","categoryDeeplinkParam":"technologyandwireless","isLimitedTimeOffer":false,"offerJson":{"offer_id":"10042","offer_title":"AT\u0026T Signature Program","offer_short_title":"","offer_short_description":"Members can save monthly on qualified AT\u0026T wireless plans","modified_on":1538397840,"created_on":1477663080,"featured_offer":"80","last_updated_by":"Gretchen Quiteles","offer_description":"\u003cp\u003eMembers can learn how to save up to $10 per line per month on the AT\u0026amp;T Unlimited Elite®\u0026nbsp;plan, plus receive up to $45 in waived activation and upgrade fees.\u0026nbsp;\u003c/p\u003e","redemption_type":"yes","starts_on":1538366400,"created_by":"asi_admin1","country_code":"US","tab_label_offer_details":"Details","tab_label_restrictions":"Disclosures","restrictions_label":"Disclosures","restrictions":"\u003cp\u003e\u003cb\u003eAT\u0026amp;T Signature Program Disclaimers\u003c/b\u003e\u003c/p\u003e\u003cp\u003e\u003cb\u003eAT\u0026amp;T SIGNATURE PROGRAM DISCOUNTS: \u003c/b\u003eAvailable to qualified employees, students \u0026amp; other authorized individuals associated with eligible companies, universities \u0026amp; other sponsoring organizations with a qualifying service agreement (Business Agreement). Must validate eligible online or provide valid employee badge/paystub, student ID, or other approved proof of eligibility in authorized retail store \u0026amp; subscribe to service under an individual responsibility account for which the qualifying individual is personally liable. Discount subject to Business Agreement \u0026amp; may be interrupted, changed, or discontinued without notice. Additional restrictions apply. \u003cb\u003e\u003cu\u003eCredits/Discounts\u003c/u\u003e\u003c/b\u003e: Start w/in 2 bill cycles after service activation \u0026amp; eligibility confirmed.  Applied after application of any available credit. \u003cb\u003e\u003cu\u003eService discount\u003c/u\u003e\u003c/b\u003e:  Req’s AT\u0026amp;T Unlimited Elite plan. $10 discount applied after the application of any available Autopay, paperless bill, only on phone lines 1 – 5. Any additional phone lines added over 5 and up to max of 10 reduces all phone line (including lines 1-5) discounts to $5/mo. per phone line. May not be stackable w/other offers, credits or discounts. \u003cb\u003e\u003cu\u003eExclusions\u003c/u\u003e\u003c/b\u003e: Military, Veterans, First Responders, Massachusetts Public Sector Employees, AT\u0026amp;T employees, EMO, IMO and FirstNet customers. May not be combinable with other select offers or promotions.  \u003c/p\u003e\u003cp\u003e\u003cb\u003e \u003c/b\u003e\u003c/p\u003e\u003cp\u003e\u003cb\u003eAT\u0026amp;T UNLIMITED ELITE® PLAN:\u003c/b\u003e All AT\u0026amp;T wireless services subject to terms and conditions in the Consumer Service Agreement (\u003ca data-overlay-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-default-element-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-displayoverlay\u003d\"displayOverlay\" title\u003d\"AT\u0026amp;T Website\" href\u003d\"https://www.att.com/legal/terms.consumerServiceAgreementInformation.html\" target\u003d\"_blank\" rel\u003d\"noreferrer\"\u003eatt.com/csa\u003c/a\u003e). Phones only. Advertised monthly price includes monthly plan charge for talk, text and data \u0026amp; monthly per-line phone access charge for access to such services.  \u003cb\u003eOTHER RESTRICTIONS \u0026amp; FEES:\u003c/b\u003e Activation/upgrade fee per line (up to $45) \u0026amp; deposit may apply.  \u003cb\u003eAutoPay \u0026amp; Paperless Bill Discount:\u003c/b\u003e Monthly discount $10 per phone line when active \u0026amp; enrolled in both. AT\u0026amp;T employees, retirees \u0026amp; IMO consumers are not eligible for the AutoPay and Paperless bill discount. Discount starts w/in 2 bill cycles. Credit card may be required (except for MA, PA and ND). Pay full plan cost until discount starts. \u003cb\u003eUNLIMITED DATA:\u003c/b\u003e For use in the United States (the “Domestic Coverage Area” or “DCA”), Mexico and Canada. \u003cb\u003eDATA RESTRICTIONS\u003c/b\u003e: 2G off-net data speeds may apply. All AT\u0026amp;T service is subject to AT\u0026amp;T network management policies. See \u003ca data-overlay-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-default-element-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-displayoverlay\u003d\"displayOverlay\" title\u003d\"AT\u0026amp;T Website\" href\u003d\"https://about.att.com/sites/broadband\" target\u003d\"_blank\"\u003eatt.com/broadbandinfo\u003c/a\u003e for details. \u003cb\u003e5G SERVICE\u003c/b\u003e: Requires a compatible 5G device. 5G service is not available everywhere. See \u003ca data-overlay-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-default-element-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-displayoverlay\u003d\"displayOverlay\" title\u003d\"AT\u0026amp;T Website\" href\u003d\"https://www.att.com/5g/consumer/\" target\u003d\"_blank\"\u003eatt.com/5Gforyou\u003c/a\u003e for details.  \u003cb\u003eVIDEO STREAMING:\u003c/b\u003e Includes Stream Saver feature which allows you to stream higher definition video (up to 4K UHD) in Standard Definition on compatible devices (unless video provider has opted out). Stream Saver will not recognize all video content. Ability to stream and video resolution may vary and be affected by other factors. To enjoy access to higher definition video on compatible devices and when available, you can turn it off or back on at any time at \u003ca data-overlay-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-default-element-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-displayoverlay\u003d\"displayOverlay\" title\u003d\"AT\u0026amp;T Website\" href\u003d\"https://att.com/myatt\" target\u003d\"_blank\"\u003eatt.com/myatt\u003c/a\u003e or call 611.  Restrictions apply. Details at \u003ca data-overlay-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-default-element-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-displayoverlay\u003d\"displayOverlay\" title\u003d\"AT\u0026amp;T Website\" href\u003d\"https://www.att.com/offers/streamsaver/\" target\u003d\"_blank\"\u003eatt.com/streamsaver\u003c/a\u003e. \u003cb\u003eActiveArmor\u003csup\u003eSM\u003c/sup\u003e Advanced Security: \u003c/b\u003eCompatible device required. You must download the AT\u0026amp;T Mobile Security app and AT\u0026amp;T Call Protect app and accept their terms and conditions for full App functionality. May not detect all threats. May inadvertently block wanted calls; settings can be adjusted in the App. \u003cb\u003ePersonal ID:\u003c/b\u003e May not detect all compromises or leaks of your personal data. \u003cb\u003eSafe Browsing:\u003c/b\u003e May not detect all suspicious websites. Details at \u003ca data-overlay-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-default-element-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-displayoverlay\u003d\"displayOverlay\" title\u003d\"AT\u0026amp;T Website\" href\u003d\"https://www.att.com/security/\" target\u003d\"_blank\"\u003eatt.com/activearmor\u003c/a\u003e. \u003cb\u003eMOBILE HOTSPOT:\u003c/b\u003e Requires compatible device. Includes up to 40GB per line per month. After 40GB, mobile hotspot speed slowed to max of 128Kbps for the rest of bill cycle.  After this, mobile hotspot data usage, will be impacted and not fully functional. \u003cb\u003eUNLIMITED TALK:\u003c/b\u003e Phones only. Includes calls w/in and between DCA, Mexico \u0026amp; Canada. You may be charged for calls to special or premium service numbers and calls to other countries. For rates, see \u003ca data-overlay-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-default-element-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-displayoverlay\u003d\"displayOverlay\" title\u003d\"AT\u0026amp;T Website\" href\u003d\"https://www.att.com/international/long-distance/?tab\u003d1\" target\u003d\"_blank\"\u003eatt.com/worldconnect\u003c/a\u003e. \u003cb\u003eUNLIMITED TEXT:\u003c/b\u003e Compatible phone and rate plan required. Includes unlimited messages up to 1MB in size within and from DCA, Mexico and Canada.  For texting to other countries, see \u003ca data-overlay-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-default-element-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-displayoverlay\u003d\"displayOverlay\" title\u003d\"AT\u0026amp;T Website\" href\u003d\"https://www.att.com/support/article/wireless/KM1231660\" target\u003d\"_blank\"\u003eatt.com/text2world\u003c/a\u003e. Messages sent through applications may incur data or other charges. \u003cb\u003eAdvanced Messaging:\u003c/b\u003e Not available for use in Mexico and Canada. Other restrictions apply \u0026amp; can be found at \u003ca data-overlay-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-default-element-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-displayoverlay\u003d\"displayOverlay\" title\u003d\"AT\u0026amp;T Website\" href\u003d\"https://www.att.com/features/advanced-messaging/\" target\u003d\"_blank\"\u003eatt.com/advancedmessaging\u003c/a\u003e. \u003cb\u003eLIMITS:\u003c/b\u003e Max 10 devices on Unlimited Your Way plan group.  These plans may not be eligible for additional discounts, including but not limited to Signature discounts. AT\u0026amp;T employees \u0026amp; retirees may not be eligible for certain benefits, offers, and discounts associated with these plans. \u003cb\u003eADDITIONAL MONTHLY FEES \u0026amp; TAXES:\u003c/b\u003e Apply per line \u0026amp; include Regulatory Cost Recovery Fee (up to $1.50), Administrative Fee ($1.99) \u0026amp; other fees which are not government-required surcharges as well as taxes. Additional one-time Fees may apply. See \u003ca href\u003d\"https://www.att.com/legal/terms.otherWirelessFeeSchedule.html?url\u003dhttps%3A%2F%2Fwww.att.com%2Fmobilityfees\u0026amp;data\u003d04%7C01%7CDCromer%40aarp.org%7C467c55d7776f4155322508d94615b04a%7Ca395e38b4b754e4493499a37de460a33%7C0%7C0%7C637617881238409823%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C1000\u0026amp;sdata\u003dlUnYovABIOkW%2FQsi1DGnNPi87wHsbhmVR6gOT%2FKnCd4%3D\u0026amp;reserved\u003d0\" target\u003d\"_blank\" data-overlay-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-default-element-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-displayoverlay\u003d\"displayOverlay\" title\u003d\"AT\u0026amp;T Website\" rel\u003d\"noreferrer\"\u003eatt.com/mobilityfees\u003c/a\u003e for more details.\u003c/p\u003e\u003cp\u003e\u003cb\u003e \u003c/b\u003e\u003c/p\u003e\u003cp\u003e\u003cb\u003eHBO MAX: \u003c/b\u003eAccess HBO Max through HBO Max app on compatible device (sold separately) or on hbomax.com using compatible browser with your AT\u0026amp;T log-in credentials. New AT\u0026amp;T customers: visit \u003ca data-overlay-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-default-element-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-displayoverlay\u003d\"displayOverlay\" title\u003d\"AT\u0026amp;T Website\" href\u003d\"https://att.com/myatt\" target\u003d\"_blank\"\u003eatt.com/myatt\u003c/a\u003e to create your account and obtain log-in credentials. \u003cb\u003eUse of HBO Max is subject to its own terms and conditions, see \u003ca data-overlay-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-default-element-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-displayoverlay\u003d\"displayOverlay\" title\u003d\"HBO MAX website terms of use\" href\u003d\"https://www.hbomax.com/terms-of-use\" target\u003d\"_blank\"\u003ehbomax.com/terms-of-use\u003c/a\u003e for details. \u003c/b\u003eIf you have residential DIRECTV (excluding Puerto Rico), AT\u0026amp;T TV, U-Verse TV or AT\u0026amp;T TV NOW, HBO channels and On Demand will also be added on that TV platform. May be billed and then credited (excluding PREMIER package on AT\u0026amp;T TV and AT\u0026amp;T TV NOW) on that TV platform within 2 bills.  \u003cb\u003eProgramming and content subj. to change and benefit may be modified, discontinued or terminated at any time without notice. \u003cu\u003eLOST ELIGIBILITY\u003c/u\u003e: \u003c/b\u003eUpon cancellation of eligible wireless plan you may lose access to HBO Max. \u003cb\u003e\u003cu\u003eLIMITS\u003c/u\u003e\u003c/b\u003e: Access to one HBO Max account per AT\u0026amp;T account holder. May not be stackable w/other offers, credits or discounts. \u003cb\u003eAT\u0026amp;T employees and retirees are not eligible for the HBO Max Add-on offer.\u003c/b\u003e To learn more, visit \u003ca data-overlay-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-default-element-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-displayoverlay\u003d\"displayOverlay\" title\u003d\"HBO Max website for AT\u0026amp;T \" href\u003d\"https://www.att.com/hbo-max/\" target\u003d\"_blank\"\u003eatt.com/hbomax\u003c/a\u003e. HBO Max is only accessible in the U.S. and certain U.S. territories where a high-speed broadband connection is available.  HBO MAX is used under license.\u003c/p\u003e\u003cp\u003e\u003cb\u003e \u003c/b\u003e\u003c/p\u003e\u003cp\u003e\u003cb\u003eAll offers, programming, promotions, pricing, terms, restrictions \u0026amp; conditions subject to change \u0026amp; may be modified, discontinued, or terminated at any time without notice\u003c/b\u003e.\u003c/p\u003e\u003cp\u003e©2021 AT\u0026amp;T Intellectual Property. All rights reserved. AT\u0026amp;T, the AT\u0026amp;T logo, all other AT\u0026amp;T marks contained herein are trademarks of AT\u0026amp;T Intellectual Property and/or AT\u0026amp;T affiliated companies.\u003c/p\u003e","offer_status":"Active","national_offer_flag":"yes","language_code":"EN","offer_type":"EverGreen","asi_category":"ASI Shopping","line_of_business":"ASI discounts","merchant_name":"","marketing_details":"","member_exclusive_flag":"no","parent_brand":"","source_name":"AT\u0026T","alternate_source_name":"","business_id":"30003","offer_video_thumbnail":"","image_url":"/content/dam/aarp/benefits_discounts/providers/att/1140x641-att-man-phone-scarf-blazer-balcony-mar-2020.jpg","vertical_image_url":"/content/dam/aarp/benefits_discounts/providers/att/258x334-att-man-phone-scarf-blazer-balcony-mar-2020.jpg","provider_image":"/content/dam/aarp/benefits_discounts/asi/offers/ATT/ATTAARPBrandingPage755x192.jpg","provider_logo":"/content/dam/aarp/benefits_discounts/providers/a-t-and-t/450x450-att-logo.jpg","offer_video_path":"","offer_copy_video_path":"","interstitial_title":"","interstitial_desc":"You\u0027ll leave AARP.org and go to the website of a trusted provider. The provider\u0027s terms, conditions, and policies apply.","created_user_role":"","is_no_end_date":"","advertisement_flag":"","disclaimer_label":"","disclaimer":"","merchant_logo":"","show_phone_number_above_cta":false,"merchant_phone_label":"","merchant_phone":"","howto_redeem_label":"How to Access","howto_redeem_expired":"Renew to Learn More","howto_redeem_expired_2":"Renew to Learn More","howto_redeem_expired_link":"https://appsec.aarp.org/mem/renew?campaignid\u003dUMBC117AT\u0026hbm\u003dt\u0026intcmp\u003dMBCHAE-AUTH-RENEW\u0026offer\u003datt\u0026referrer\u003dhttps%3A%2F%2Fwww.att.com%2Fshopservlets%2Firulanding%3FiruToken%3DRIoTrGvHZHu2ly3uHnpnHb1iiuc8LpvuYIjOjJOJDyUO8KOJAEpv1PgPOG1pJlVzoDYAF8YNT7osObZiZdf7Pg%253D%253D%26src%3DMyAttSales","howto_redeem_expired_link_2":"https://appsec.aarp.org/mem/renew","howto_redeem_non_member":"Join to Learn More","howto_redeem_non_member_2":"Join to Learn More","howto_redeem_non_member_link":"https://appsec.aarp.org/mem/join?campaignid\u003dUMBC117AT\u0026hbm\u003dt\u0026intcmp\u003dMBCHAE-AUTH-JOIN\u0026offer\u003datt\u0026referrer\u003dhttps%3A%2F%2Fwww.att.com%2Fshopservlets%2Firulanding%3FiruToken%3DRIoTrGvHZHu2ly3uHnpnHb1iiuc8LpvuYIjOjJOJDyUO8KOJAEpv1PgPOG1pJlVzoDYAF8YNT7osObZiZdf7Pg%253D%253D%26src%3DMyAttSales","howto_redeem_non_member_link_2":"https://secure.aarp.org/applications/membershipChallenge/showChallengeForm.action?appName\u003daccount","howto_redeem_anonymous":"Join to Learn More","howto_redeem_anonymous_2":"Join to Learn More","howto_redeem_anonymous_link":"https://appsec.aarp.org/mem/join?campaignid\u003dUMBC117AT\u0026hbm\u003dt\u0026intcmp\u003dMBCHAE-AUTH-JOIN\u0026offer\u003datt\u0026referrer\u003dhttps%3A%2F%2Fwww.att.com%2Fshopservlets%2Firulanding%3FiruToken%3DRIoTrGvHZHu2ly3uHnpnHb1iiuc8LpvuYIjOjJOJDyUO8KOJAEpv1PgPOG1pJlVzoDYAF8YNT7osObZiZdf7Pg%253D%253D%26src%3DMyAttSales","howto_redeem_anonymous_link_2":"https://appsec.aarp.org/mem/join?campaignid\u003dUASMBP1\u0026intcmp\u003dEWHERE-MBCHAE-LP-MMA-JOIN","howto_redeem_already_registered_anon_label":"Already a member?","howto_redeem_already_registered_anon":"Login to your account. ","howto_redeem_already_registered_nonmember_label":"Already a member?","howto_redeem_already_registered_nonmember":"Link your membership","howto_redeem_already_registered_nonmember_link":"https://secure.aarp.org/applications/membershipChallenge/showChallengeForm.action?appName\u003daccount","howto_redeem_already_registered_anon_link":"https://login.aarp.org/online-community/loginform.action?custom\u003dMBC\u0026offer\u003datt\u0026referrer\u003dhttps%3A%2F%2Fwww.att.com%2Fshopservlets%2Firulanding%3FiruToken%3DRIoTrGvHZHu2ly3uHnpnHb1iiuc8LpvuYIjOjJOJDyUO8KOJAEpv1PgPOG1pJlVzoDYAF8YNT7osObZiZdf7Pg%253D%253D%26src%3DMyAttSales","howto_redeem":"Learn More","howto_redeem_2":"Learn More","howto_redeem_url":"https://www.att.com/offers/discount-program/aarp/","howto_redeem_url_2":"","show_redeem_cta_2":false,"howto_redeem_desc":"Present your AARP membership card in-store or use your AARP login to shop on the AT\u0026T website.","is_redeemable_in_person":"true","howto_redeem_in_person":"","howto_redeem_cta_phone":"","howto_redeem_phone_instructions":"","howto_redeem_online_instructions":"","show_state_availability":"","state_availability_text":"SEE AVAILABILITY IN YOUR STATE","cardlinked_flag":"","ty_interstitialText":"Thanks for visiting aarp.org! Come back again to check out all of the AARP Member Benefits and unlock the full power of membership.","ty_ctaText":"Continue","ty_socialMissionFlag":"","hideRestrictionsTab":"","hideLeavingAARP":"","hide_lto":"","lto_model_heading":"Limited Time Member Offers","lto_model_heading_spanish":"Ofertas para socios por tiempo limitado","lto_advertisement":"Member Exclusive Advertisement","lto_advertisement_spanish":"Anuncios publicitarios exclusivos para socios","lto_daysleft":"Days Left","lto_daysleft_spanish":"Días restantes","geoloc_experience_type":"full_location","geoloc_tab_label":"Locations","geoloc_tab_label_spanish":"Ubicaciones","geoloc_hide_tab":"","geoloc_find_location_label":"Find a Location","geoloc_find_location_label_spanish":"Encuentre una ubicación","geoloc_tab_hint_text":"Enter an address, city, or ZIP","geoloc_tab_hint_text_spanish":"Ingresa tu dirección, ciudad o código postal","geoloc_search_icon":"","geoloc_total_results_label":"Result(s)","geoloc_total_results_label_spanish":"Resultado(s)","geoloc_see_more_button_text":"See More","geoloc_see_more_button_text_spanish":"Ver más","geoloc_see_more_label_text":"See More","geoloc_see_more_label_text_spanish":"Ver más","geoloc_see_more_limit_option":"","geoloc_provider_link_cta":"Learn more about this benefit by visiting the provider website","geoloc_provider_link_cta_spanish":"Obtenga más información sobre este beneficio visitando el sitio web del proveedor","geoloc_provider_link_cta_url":"","geoloc_provider_legal_info":"You will leave AARP.org and go to the website of a trusted provider. The provider’s terms, conditions, and policies apply.","geoloc_provider_legal_info_spanish":"Dejarás el sitio de AARP y accederás al de un proveedor confiable. Aplican los términos, las condiciones y políticas del proveedor. Este sitio web podría no estar disponible en español.","geoloc_no_results_view_message":"There are no locations within a 100 mile radius. Please try another location","geoloc_no_results_view_message_spanish":"No hay ubicaciones dentro de un radio de 100 millas. Intenta con otra ubicación","geoloc_mobile_list_cta":"LIST VIEW","geoloc_mobile_list_cta_spanish":"VISTA DE LA LISTA","geoloc_mobile_list_cta_url":"","geoloc_mobile_map_cta":"MAP VIEW","geoloc_mobile_map_cta_spanish":"VISTA DEL MAPA","geoloc_mobile_map_cta_url":"","geoloc_mobile_button_cta":"VIEW MORE","geoloc_mobile_button_cta_spanish":"VER MÁS","geoloc_mobile_button_cta_url":"","geoloc_show_results_within_label_text":"Show results within","geoloc_show_results_within_label_text_spanish":"Mostrar resultados dentro","geoloc_miles_label_text":"Miles","geoloc_miles_label_text_spanish":"Millas","geoloc_hide_see_more_button":"false","geoloc_hide_see_more_button_spanish":"false","rewardId":"","hide_r4g_badge":"","redemption_content":"","authentication_code_provider":"","authentication_code_provider_2":"","pixel_view_offer_value":"","pixel_learn_more_value":"","is_redeemable_only_in_person":false,"offer_keywords":["AT\u0026T","cell phone","Unlimited plan","cell phone discounts","phone 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Result 20
TitleCOVID-19: your life insurance
Urlhttps://www.bma.org.uk/advice-and-support/covid-19/your-health/covid-19-your-life-insurance
DescriptionA joint statement from BMA and Association for British Insurers and guidance on reviewing your arrangements for life insurance and income protection during the pandemic
Date27 Aug 2021
Organic Position20
H1COVID-19: your life insurance
H2BMA and ABI joint statement
Seeking independent financial advice
Getting life insurance and/or income protection if you have recently had COVID
What insurers will ask
If you have a positive antibody test
Getting a mortgage
Will my life or critical illness insurance policy pay out for coronavirus?
H3
H2WithAnchorsBMA and ABI joint statement
Seeking independent financial advice
Getting life insurance and/or income protection if you have recently had COVID
What insurers will ask
If you have a positive antibody test
Getting a mortgage
Will my life or critical illness insurance policy pay out for coronavirus?
BodyCOVID-19: your life insurance A joint statement from BMA and Association for British Insurers and guidance on reviewing your arrangements for life insurance and income protection during the pandemic. Location: UK Audience: All doctors Updated: Friday 27 August 2021 Many doctors and healthcare workers will be reviewing their arrangements for life insurance and/or income protection, or making new applications mindful of the impact that the COVID-19 pandemic is having on the healthcare profession. The BMA was made aware of some reports of doctors encountering difficulty when applying for such policies. We firmly believe that healthcare workers should not be disadvantaged compared to others when applying for insurance policies. Upon hearing of these reports, the BMA immediately undertook extensive work with our financial partner Chase de Vere. They contacted the majority of insurers to determine how they assess the risks from COVID-19 when people apply for insurance policies. These investigations revealed that although there was an intention on the part of insurers to treat healthcare workers fairly, some of the questions they asked had the potential to lead to some difficulties for healthcare workers. This was predominantly because not only are they more likely to come into contact with those with COVID-19, but they are also more likely to undergo PCR (antigen) and antibody testing. Consequently, the BMA has been in constructive dialogue with the ABI (Association of British Insurers) and we are in agreement that healthcare workers should not suffer any additional barriers when applying for insurance policies.   BMA and ABI joint statement. Having discussed the issue in detail, the BMA and ABI are clear that there should be no detriment to healthcare workers and no one should be discouraged from having a test. Each application for life insurance and income protection will be assessed on an individual basis, regardless of profession, and focussed on the person’s health and severity of any symptoms at the time. A positive test for COVID (either a PCR or antibody test) should not delay an application as long as the individual has recovered and been back at work for the required period. BMA and ABI joint statement We will continue to work with the ABI to ensure that the approach taken by insurers when assessing applications form healthcare workers remains appropriate in a rapidly changing environment and this does not lead to any difficulties for healthcare workers.   Seeking independent financial advice. Independent financial advice Whether you're seeking guidance on your savings and investments, or you're starting to think about retirement, our financial experts Chase de Vere Medical can help. Chase de Vere services To further support members we have produced the following guidance. In addition, you are strongly advised to seek independent financial advice if you are applying for a new life insurance or income protection policy. This is to ensure you are fully informed before making any decisions, and to help you find the best product to suit your circumstances. The BMA has partnered with Chase de Vere and has been working with them on this issue, but BMA members are under no obligation to use the services of Chase de Vere.   Getting life insurance and/or income protection if you have recently had COVID. Most insurers are typically deferring (rather than refusing) applications for those who have recently had COVID-19. They will normally require the applicant to be back to their usual work pattern and symptom free for a minimum period before considering the application. In the case of a mild infection, most insurers will specify that you need to be symptom free for a month but if you have been very unwell, admitted to hospital or suffered any complications, they may ask that you have been well and symptom free for three months. This decision to defer an application is based primarily on compatible symptoms regardless of whether you have had a positive test or not and applies in all cases, not just doctors. If your application is deferred, this does not mean you cannot apply again in the future and there should be no detriment as a result of the deferment.   What insurers will ask. When applying for these policies you will be required to complete a medical questionnaire. The form that insurers use will typically ask four questions about COVID-19: Have you had COVID-19 symptoms in the last month? Have you had to self-isolate in the last month Have you tested positive for COVID-19 in the last month? Have you had confirmed contact with someone with COVID-19 in the last month? If the answer is 'yes' to any of questions 1-3 a postponement in the application process is likely to be applied in order to allow time for full recovery. However, for frontline healthcare workers the response to question 4 will be looked at differently by the insurer as they acknowledge that they are more likely to be in contact with someone with COVID-19 and that PPE will be worn. This may result in more questions being asked for clarification around the circumstances (for example you may be asked a subsequent question about PPE). If it is confirmed that it is work related contact, then this is unlikely to result in any detriment in the application or in a higher premium being paid. We have heard of some examples where insurance brokers and financial advisors have not been aware that insurers don’t consider healthcare contacts with COVID positive patients as a reason to automatically defer policies. If you are told that your application has been deferred for this reason you should query it and state that the BMA has received confirmation from insurers on this.   If you have a positive antibody test. As noted in the joint BMA/ABI statement, a positive PCR or antibody test will not delay the application if you have fully recovered from COVID and have been symptom free for the required period. In addition, it is essential that healthcare workers are not discouraged from having an antigen test if they think they have symptoms of COVID, in order to prevent transmission to other healthcare workers and patients.   Getting a mortgage. You do not need life insurance, critical illness cover or income protection insurance to get a mortgage. While protecting your mortgage against death, critical illness and loss of income through ill health are highly recommended, a mortgage provider will not require these policies to be put in place in order for you to get a mortgage.  If you are a member of the NHS pension scheme you will also be entitled to death in service and ill-health retirement benefits.   Will my life or critical illness insurance policy pay out for coronavirus? If you or a loved one has to make a claim on a life insurance policy as a result of COVID-19, it should be handled like any other life insurance claim and would be paid subject to the usual policy terms and conditions. COVID-19 in itself is not classed as a 'critical illness' so it is highly unlikely that a critical illness policy will pay out if you develop non-complicated COVID illness. If, however as a result of COVID-19 you develop a condition that is classed as a critical illness then you should be able to claim on your policy. It is recommended that you check your own policy conditions. These policies are separate from the government backed COVID life assurance scheme for doctors and healthcare workers in England and Wales and the death in service benefits of the NHS pension scheme. Need help? For questions about any aspect of your working life, our advisers are here to help you. Call - 0300 123 1233 Email - [email protected] Webchat - talk to an adviser Opening times: 8am - 8pm Monday to Friday, and 9am - 5pm on Saturdays. Copy link Copied Download / print webpage You might also be interested in Independent financial advice Whether you're seeking guidance on your savings and investments, or you're starting to think about retirement, our financial experts Chase de Vere Medical can help. 5 November 2021 COVID-19: life assurance scheme We outline how the scheme works, who it's for, eligibility criteria, how to claim, and how it relates to existing death in service benefits. 24 August 2021 Don't ask me again No thanks Proceed
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Result 21
TitleBest Covid travel insurance 2022 | Evening Standard
Urlhttps://www.standard.co.uk/esmoney/travel-insurance/best-covid-travel-insurance-uk-b932220.html
DescriptionLooking to travel this year? It’s likely you will need travel insurance with Covid-19 cover. We rank the top 5 travel insurance policies for pandemic travel
Date3 days ago
Organic Position21
H1Best Covid travel insurance 2022
H2Follow us:
1. Coverwise - 5/5 stars
2. Southdowns - 5/5 stars
3. CoverForYou - 4/5 stars
4. Coverwise - 4/5 stars
5. Insure For - 5/5 stars
Methodology
Holidays 2022: What you need to do
What protection does travel insurance provide?
FAQs
Compare Travel Insurance Quotes
H3Check the requirements at your destination - and coming back to the UK
Check the red list
Buy insurance when you book
Check if your travel insurance policy includes Covid-19 cover
Follow government advice
Can I buy travel insurance including cover for Covid-19-related risks with a pre-existing condition?
Can I buy travel insurance including Covid-19 cover for travel within the UK?
What if I contract coronavirus overseas?
What if the country I am due to visit has moved from the green list to amber or red?
How do I get the NHS Covid pass?
What if my airline goes out of business?
How do I make a travel insurance claim?
H2WithAnchorsFollow us:
1. Coverwise - 5/5 stars
2. Southdowns - 5/5 stars
3. CoverForYou - 4/5 stars
4. Coverwise - 4/5 stars
5. Insure For - 5/5 stars
Methodology
Holidays 2022: What you need to do
What protection does travel insurance provide?
FAQs
Compare Travel Insurance Quotes
BodyBest Covid travel insurance 2022 UnsplashBy Kevin Pratt06 January 2022Planning your next getaway? While the shadow of Covid-19 still lingers, it is important we take whatever steps we can to protect the money we spend on our holidays in case we have to cancel or cut short our stay overseas. And, of course, we want the best protection against the cost of falling ill while we’re away. This is where travel insurance with cover for Covid-19-related risks comes in. In August 2021, we analysed the market to find what we think are the top five policies available.All the policies we reviewed have full medical cover including repatriation costs. Coverwise1. Coverwise - 5/5 stars. Plan: Select Platinum. Medical cover: £20 million. Cancellation cover: £6,000. Reason for selectionCoverwise’s Select Platinum plan provides the top medical cover we found with no excess payment due if a claim is made.ProsOffers market leading levels of coverNo excess levied on claimsConsHigher hospital benefit is available elsewhere but at £2,000 this plan is still generousCompare Travel Insurance QuotesSouthdowns2. Southdowns - 5/5 stars. Plan: Select Platinum. Medical cover: £20 million. Cancellation cover: £6,000. Reason for selectionThis plan also ranked highly for medical cover with no excess levied on claimsProsOffers market leading levels of coverNo excess levied on claimsConsHigher hospital benefit is available elsewhere but at £2,000 this plan is still generousCompare Travel Insurance QuotesCoverForYou3. CoverForYou - 4/5 stars. Plan: Premier. Medical cover: £15 million. Cancellation cover: £6,000. Reason for selectionThe policy ranks highly for cancellation and curtailment coverProsHigh levels of cancellation and curtailment cover (£6,000 each)Relatively high level of medical cover at £15 millionConsExcess payable on medical and cancellation claims (£50)Compare Travel Insurance QuotesCoverwise4. Coverwise - 4/5 stars. Plan: Select Gold. Medical cover: £20 million. Cancellation cover: £3,000. Reason for selectionProvides generous medical cover and hospital benefit.ProsHigh level of medical cover£2,000 hospital benefitConsLower amount of cancellation and curtailment cover relative to competitorsCompare Travel Insurance Quotes 5. Insure For - 5/5 stars. Plan: Premier. Medical cover: £10 million. Cancellation cover: £5,000. Reasons for selectionOffers market leading levels of hospital benefit and generous cancellation and curtailment coverProsGenerous level of hospital benefitHigh level of cover for cancellation and curtailmentConsLower level of medical cover relative to competitorsCompare Travel Insurance QuotesMethodology. Using data from our travel insurance partner CYTI, we assessed policies on the following:Cover for Covid-19-related risks: We looked at whether policies offer some form of cancellation cover in addition to medical and curtailment cover, to protect against Covid-related risks. Cancellation cover: We looked at the cancellation cover provided to identify the most generous limits.Cancellation excess: The lower the excess, the higher we rated the policy. No -excess policies scored best. An excess is the amount deducted from any successful claim.Curtailment cover: Here we favoured policies which provide a higher level of cover to those who need to cut their holiday short.Medical cover: The policies which performed best were those with a higher level of pay-out for medical costs.Medical excess: Again, we favoured policies charging a low or zero excess.Hospital benefit: Policies scored highly if they offered higher levels of this cover than other contracts.To arrive at our top-5 ranking, we combined the scores for each company, giving added weight to policies providing cancellation cover, in addition to medical and curtailment cover for Covid-19-related risks. Holidays 2022: What you need to do. Check the requirements at your destination - and coming back to the UK. Certain destinations require visitors to have evidence of a recent negative test (or there may be testing on arrival), of a Covid-19 vaccination or recovery from the virus.If you fall ill while abroad, you should be covered by the medical expenses section of your insurance. Should you have to delay your return to the UK because you are ill or because you need to quarantine while away, your policy may cover your out-of-pocket expenses. Check your policy for details.Bear in mind that, depending on where you have travelled to and from and the restrictions in force at the time, you may be required to take Covid-19 tests or even enter quarantine on your return to the UK. This could be at your home or in a government-sanctioned quarantine hotel. You would be responsible for the costs of tests and your accommodation, if applicable, so it is important to factor these into your calculations - especially if you are travelling with your family or in another group.Find out more about travel rules for returning to the UK.Check the red list. On 4 October, the UK government reduced its traffic light system of travel, that had been in operation since 17 May 2021, to a two-tier categorisation of countries.The Red list remains for territories deemed as high-risk in relation to Covid-19. All other countries are grouped as Rest of the World. The list is reviewed every three weeks with countries moved from one category to another should their status alter during that period.Find out about which countries are on, or have been removed, from the red list, and the rules to follow if you are returning from a red list country.Buy insurance when you book. One of the most important features of travel insurance is cancellation cover. Getting insured straight away means cancellation protection is in place from the get-go.There are many reasons why you might need to cancel your trip, regardless of Covid-19, including illness, bereavement, divorce and redundancy. But the issues associated with the pandemic have made it even more important to have a policy that includes Covid-19 risks as reasons why it will pay out if you need to cancel.Check before you buy your insurance that it provides cover for the destination you have in mind, and also look at what it says about possible changes in the cover provided if the Covid status of the destination changes before you travel.Check if your travel insurance policy includes Covid-19 cover. Nearly all (99%*) of insurance policies now include cover for risks linked to Covid-19 should you need medical treatment for the virus or need to cut your holiday short due to a Covid-19-related issue.Many also include cover which allows you to make a cancellation claim should the virus stop you from taking your holiday. Almost 100% (95%*) cover cancellation due to a positive Covid test and 48%* accept cancellation claims due to needing to self-isolate.Also 53%* will offer protection should you be denied boarding on your outward journey, but only 4%* will provide the same if you’re denied boarding on your return.The specific circumstances for which you can claim vary between travel insurers. Check the details of a policy carefully before buying to avoid any potential for misunderstanding. If necessary, check with the provider directly.Follow government advice. It’s vital you check the government website for the latest travel guidance. Few insurers will cover you if you travel against the advice of the Foreign, Commonwealth & Development Office (FCDO) . These include:Avanti Travel InsurancebattlefaceCedar TreeChurchillCoverForYouDirect LineOutbackerStaysureVoyager InsuranceYou are even less likely to be covered for cancellation of your holiday due to changes in the FCDO’s advice. Only 3%* of policies provide cover in this circumstance. These include policies from the following providers:Avanti Travel InsuranceChurchillDirect LineIf your holiday or flight is cancelled by your tour operator or airline, you should be offered a refund or alternative arrangements. Your policy will not pay out if you are able to get your money back by another method.*Data from financial information business DefaqtoWhat protection does travel insurance provide?Travel insurance policies typically cover the following as standard:Medical expenses: Pays forhospital treatment or medical bills if you fall ill or have an accident.Personal liability: Meets the cost of claims made against you, if you’re found responsible for causing injury, death or damage while you’re awayCancellation, curtailment and missed departures: Covers you against a holiday being cut short, or you end up not going away.Baggage and personal belongings: Covers claims for loss or theft of belongings. If items are stolen, these should be reported to the local police and an incident number obtained. Your policy may also stipulate that you should use a hotel safe if one is available.There are various other reasons why you might need to claim on your travel insurance, including:Gadgets Claim for the loss, theft or damage done to devices, such as mobile phones, tablets and laptops.End supplier failure Reimbursement in the event your hotel, travel company, or airline goes into administration.Scheduled airline failure insurance (SAFI): You will be reimbursed the cost of your flight if the airline should go bust.Personal accident: Your policy will make a payment to you or to your estate if you are permanently disabled or killed in an accident while on holiday. Note, however, that some policies specify that they will not pay out if such an incident occurs if you are intoxicated through alcohol or drugs. Legal expenses: If you become embroiled in a legal dispute while you are away, your policy may contribute towards your legal costs, and you may be given access to expert legal advice.FAQs. Can I buy travel insurance including cover for Covid-19-related risks with a pre-existing condition?It depends on the provider but, yes, it is possible. Cover for Covid-19-related risks might include cancelling a trip because someone on the policy tested positive for coronavirus prior to travel, or for medical costs should coronavirus be contracted while away. Premiums tend to be more expensive for pre-existing conditions and the more severe the condition, the dearer the cover becomes. Check specific policy details before you buy.Can I buy travel insurance including Covid-19 cover for travel within the UK?Yes, a range of insurers provide this sort of cover for domestic travel. Again, the aim is that it pays out on cancelled trips should anyone named on the policy contract Covid-19 before going away.What if I contract coronavirus overseas?Assuming you’ve got the requisite cover, contact your provider immediately and inform them. Your policy should meet the expenses of any medical support that’s required. It may also pay out on any additional costs incurred, say, through having to quarantine abroad, or paying extra accommodation expenses for fellow travellers also named on the policy. To avoid nasty surprises, check your policy details before travelling.What if the country I am due to visit has moved from the green list to amber or red?Typically, travel insurance policies relate to the FCDO’s advice on travel rather than the traffic light system. If your holiday destination has moved from the green to the amber or red list, check whether the FCDO’s advice regarding travelling there has changed too.Most insurers will not cover you for cancellation if the FCDO changes its advice on travel to your holiday destination.Exceptions include travel insurers CoverForYou, Cedar Tree and Outbacker, but check for limitations and exclusions on policies.How do I get the NHS Covid pass?As well as allowing entry to some events and venues in the UK, the NHS Covid pass (or ‘vaccination passport’) is required for travel to certain destinations overseas. To get one for travel abroad, you must be aged 16 or over, and have received one of the following:two doses of the Moderna, AstraZeneca or Pfizer vaccineone dose of the Janssen vaccineproof of natural immunity shown by a positive PCR test result for COVID-19, lasting for 180 days after the date of the positive test and following completion of the self-isolation period.Your vaccinations must have taken place in England.You will typically receive your NHS Covid Pass within 24 hours of having your vaccination but it can take up to five days for your records to be updated.You can access your NHS Covid pass via the NHS app or website, or request that you are sent a Covid Pass letter on the NHS website.More information can be found on the gov.uk website.What if my airline goes out of business?Airline failure is rarely covered under most standard travel insurance policies, so check your policy details. However, if your booking came with ATOL protection you are guaranteed a refund and you would also be found an alternative flight home.How do I make a travel insurance claim?When you head off on your travels, remember to pack your travel insurance policy number as well as relevant emergency contact information. Should a crisis arise, keep receipts for anything relevant you paid for, so that your paperwork is in good shape for when you make a claim. Where applicable, get your insurer to agree to medical treatment before it’s carried out. Report lost or stolen items to the police within 24 hours of them going missing.Compare Travel Insurance Quotes. Choose from 100+ policies. It’s free, quick and simple.Get A Quote
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Result 22
TitleCovid-19 travel insurance
Urlhttps://www.allianz-assistance.co.uk/travel-insurance/Covid-19-travel-insurance.html
DescriptionOur new product now covers you for a range of different pandemic and epidemic travel-related issues
Date
Organic Position22
H1Our new policy: What is covered for COVID-19?
H2What are the new offerings?
How to ensure you have the right cover
H3Which policies are changing?
What is an EHIC or GHIC and what can it offer you?
Does your bank or credit card company provide cover?
Are you covered by ABTA or ATOL?
Popular insurance types that may interest you
Travel Insurance for people with Medical Conditions
Travel Insurance for Seniors
Annual Travel Insurance
Sports & Leisure Travel Insurance
Single Trip Travel Insurance
Other products available from Allianz Assistance
Family Travel Insurance
Golf Travel Insurance
Ski & Winter Sports Travel Insurance
Need help? Call us on: 0371 200 0428
Frequently Asked Questions
Make A Claim?
Policy Documents
H2WithAnchorsWhat are the new offerings?
How to ensure you have the right cover
BodyOur new policy: What is covered for COVID-19? GET A QUOTE We know that times have been hard recently. At Allianz Assistance, we understand the importance of feeling completely safe and at ease when you travel. That’s why we’ve worked during the pandemic to make some changes to our travel insurance products, giving you access to better pandemic and epidemic protection, including some cover for Coronavirus-related claims. We want you to be fully prepared before travelling abroad and be completely aware of what you are covered for with your travel insurance policy. Our new product now covers you for a range of different pandemic and epidemic travel-related issues, but please be aware that you will not be covered if you travel to a country against the advice of the World Health Organization (WHO), Foreign, Commonwealth and Development Office (FCDO) or any other local authority.  So, what would you be covered for under our new offering and how can it benefit you when you travel? GET A QUOTE Which policies are changing? . We have enhanced our Single Trip, Backpacker and Annual multi-trip travel insurance policies to now include cover for a wider range of claims relating to global pandemics and epidemics. All of these policies can provide you with the protection that you deserve when you go on a trip. Go to our Travel Insurance page to look at our policies and get a quote for your next trip away from home. GET A QUOTE What are the new offerings? . COVID-19 has put our lives on pause for many months, so now that travel restrictions are beginning to be lifted, you can finally get your break away. Our new travel insurance offering helps provide that extra reassurance for those of you who are travelling whilst COVID-19 is still present across the world.  Our new policy provides cover for the following: If you contract an epidemic or pandemic disease or are subject to compulsory quarantine whilst on your trip If you fall ill with an epidemic or pandemic disease (including COVID-19) or are required to quarantine as a result of your exposure to the disease, you will be covered for medical costs incurred as a result if you are outside the UK when falling ill. We will also provide cover for cutting short your trip, repatriation and/or extending your trip if you aren’t well enough or able to travel home as planned. Our policies will also cover the cost for one member of your travel party to stay abroad with you, where medically necessary, until you are fit enough to return home. It is important that you contact our 24-hour medical emergency helpline for advice and assistance if you are admitted to hospital or are unable to travel home as planned. If you need to cancel your trip Cancellation cover will apply if your trip is cancelled because you or your travel companion either have symptoms or are diagnosed with an epidemic or pandemic disease (such as COVID-19), There is also cover if you or your travel companion are required to quarantine (self-isolate) as a result of your individual circumstances, such as being requested to by the NHS Test and Trace service.  You won’t need to take a test to prove that you have the virus, but you will need to provide a Doctor’s certificate to confirm your symptoms or diagnosis, or evidence that you’ve been instructed to self-isolate via the NHS or via the government’s ‘Test and Trace’ programme. If you are unable to travel due to a general quarantine being placed across a region or nation, then this cover does not apply.  Cover is provided for specified individual events only. If you need to take care of or be with a loved-one You are also covered for cancellation or cutting short your trip if one of your, or your travel companion’s close relatives (such as a parent, child, sibling or grandparent) falls seriously ill due to an epidemic or pandemic disease (including COVID-19) and you or your travel companion are advised not to travel as a result. Similarly to general cancellation, you will need to provide a Doctor’s certificate to support your claim. If you are denied boarding If you, or someone that you are travelling with, are denied boarding of your pre-booked public transport by order of the carrier, the government or a public authority as a result of you or your travelling companion displaying symptoms of a contagious disease (including an epidemic or pandemic disease, such as COVID-19), we will provide cover for any unused and unrecoverable trip costs. We will require you to provide written confirmation of the denied boarding order from the carrier when you make a claim.  We know the importance of feeling safe and protected during your holiday, perhaps now more than ever. Browse our Travel Insurance policies today to see if they are suitable for you and your individual needs. For more information about the new level of cover, visit our comprehensive FAQs page . Here we answer many questions you might have about your policy. GET A QUOTE How to ensure you have the right cover . What is an EHIC or GHIC and what can it offer you? . Having a European Health Insurance Card (EHIC) or Global Health Insurance Card (GHIC) will entitle you to the government-provided healthcare of the European Union country you are visiting, lowering the medical costs you would normally expect to pay. Although this is a good addition to take on holiday, having a travel insurance policy as well could provide you with further protection and peace of mind whilst you are abroad. Our travel insurance policies can protect you against many unforeseen eventualities. Does your bank or credit card company provide cover? . A lot of bank accounts or credit cards come with varying levels of travel insurance cover. Although some may be comprehensive and suitable for most trips, they may not cover you for everything you have planned whilst you’re away. If you have adventurous plans or unusual excursions booked for your trip, you might not be covered. Make sure you look into the travel insurance policy that you have before every trip, to make sure it’s suitable for you and your plans. Purchasing a holiday using a credit card means you are often protected by Consumer Protection cover that is offered on purchases when a provider defaults and you are unable to receive your goods (or in this case, go on your holiday). This means that, in most cases, you can get your money returned to you before going on your trip. Are you covered by ABTA or ATOL? . If you have booked a holiday through a tour operator or travel agent, it may be worth checking if you are covered by ABTA (Association of British Travel Agents) or ATOL (Air Travel Organiser’s License). This type of cover means that your package holiday is protected if, for example, the travel company providing your holiday arrangements or the travel agent themselves fail financially or close down. Your travel agents will be able to tell you if your holiday is ABTA or ATOL protected. Alternatively, use the links provided to check your cover at home. TRAVEL FAQS   . Popular insurance types that may interest you . Travel Insurance for people with Medical Conditions . From 5th May 2021 we will no longer be offering travel insurance policies to cover people’s pre-existing medical conditions. This is only a temporary measure while we make improvements to our online booking engine. Please keep an eye on the Allianz Assistance website in the future so you are aware when we are able to offer this additonal cover again. MORE INFORMATION Travel Insurance for Seniors . Age shouldn’t be a barrier to travel. If you’re looking to take a holiday in your golden years, take a look at our travel insurance for seniors.  MORE INFORMATION Annual Travel Insurance . If you’re planning on taking more than one holiday this year, buying Annual travel insurance can help you to save time and money.   MORE INFORMATION Sports & Leisure Travel Insurance . Many sports and leisure activities are covered on our standard travel insurance policies at no additional premium. From 5th May 2021 we will not be able to provide cover while you take part in riskier Category 2 and Category 3 sports and leisure activities like kite surfing and rugby. This is only a temporary measure while we make improvements to the booking engine of our website. Please keep an eye on the Allianz Assistance website in the future so you are aware when we are able to offer this additional cover again.  MORE INFORMATION Single Trip Travel Insurance . Just taking the one trip this year? Then our Single Trip travel insurance  is perfect. You can relax – knowing you’re covered.    MORE INFORMATION Other products available from Allianz Assistance . Family Travel Insurance . Protect the family with Allianz Assistance. Whichever way you like to holiday, get insured for your next family trip with our comprehensive cover.  MORE INFORMATION Golf Travel Insurance . From 5th May 2021 while we can still cover you under the standard sections of our travel insurance policy while on a Golf holiday, we will not be able to offer the additional cover previously provided by the Golf optional extra section. This is only a temporary measure while we make improvements to the booking engine of our website. Please keep an eye on the Allianz Assistance website in the future so you are aware when we are able to offer this additional cover again. MORE INFORMATION Ski & Winter Sports Travel Insurance . Whether you’re a seasoned skier or a first-timer, our Winter Sports and Ski cover offers protection when you hit the slopes.   MORE INFORMATION Need help? Call us on: 0371 200 0428 . Monday to Friday, from 9am to 5pm Frequently Asked Questions . Do you have questions about our product or services? Find the answer in the FAQs SEARCH THE FAQs Make A Claim? . Mon-Fri 8am-6pm MAKE A CLAIM Policy Documents . Instant access to all our policy documents POLICY DOCUMENTS Alternative Cover Options For Pre-existing Medical Conditions If you have a pre-existing medical condition that we are unable cover under our own policies, you may be able to obtain an alternative travel insurance policy through one of the providers featured in the Money and Pensions Service (MaPS) directory of specialist travel insurance providers for people with serious medical conditions. Do take time to study and compare the terms and conditions to ensure you have the cover you need. To contact the Money Advice Service for further details of the directory Call: 0800 138 7777 (lines are open Monday to Friday, 8am to 6pm) or Email: [email protected]          Products Travel Insurance Breakdown Cover Extended Warranty Car Hire Excess Insurance Help and Advice FAQs Travel RSA Claims Policy Documents About Us Contact us Corporate Site Careers Who we are Secure Workplace (COVID-19)
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Result 23
TitleForeign travel insurance - GOV.UK
Urlhttps://www.gov.uk/guidance/foreign-travel-insurance
DescriptionIf you’re travelling abroad, it's important to take out appropriate travel insurance before you go
Date
Organic Position23
H1Foreign travel insurance
H2Cookies on GOV.UK
What to consider when you buy travel insurance for you and your family
Policy exclusions
Insurance for extended periods of travel
Insurance if you live abroad or go for work or study
Support for British nationals abroad
Part of Travel abroad: step by step
COVID-19 vaccinations
Is this page useful?
H3Step 1: Plan your trip
Step 2: Get your passport, visas and permits ready
Step 3: Get travel insurance and check if you need vaccinations or inoculations
Step 4: Travel safely during COVID-19
Step 5: Going through border control
Step 6: When you're abroad
Step 7: Before you return to the UK
Step 8: After you arrive in the UK
H2WithAnchorsCookies on GOV.UK
What to consider when you buy travel insurance for you and your family
Policy exclusions
Insurance for extended periods of travel
Insurance if you live abroad or go for work or study
Support for British nationals abroad
Part of Travel abroad: step by step
COVID-19 vaccinations
Is this page useful?
BodyForeign travel insurance If you’re travelling abroad, it's important to take out appropriate travel insurance before you go. From: Foreign, Commonwealth & Development Office Published 22 March 2013 Last updated 3 December 2021 — See all updates Print this page If you travel internationally you should buy appropriate travel insurance before you go. If you already have a travel insurance policy, check what cover it provides for coronavirus-related events, including medical treatment and travel disruption, and any planned activities such as adventure sports. If you are choosing a new policy, make sure you check how it covers these issues. If you do not have appropriate insurance before you travel, you could be liable for emergency expenses, including medical treatment, which may cost thousands of pounds. For example: Situation Cost If you fall in Spain and break your leg, you will need hospital treatment and flights £15, 000 If you have a quad bike accident in Greece, and you need surgery and flights back to the UK £30, 000 If you have a stomach bug or infection treated in a hospital in the USA and need new return flights £100, 000 You should buy your travel insurance as soon as possible after booking your trip. Read the small print, and familiarise yourself with any exclusion clauses for the policy. When you travel, make sure you take your insurance policy details with you, including the policy number and your insurer’s emergency assistance telephone number. Share your policy details with people you’re travelling with and friends or family at home, in case they need to contact your insurance company on your behalf. The Association of British Insurers (ABI) represents over 200 insurance companies. Read ABI’s advice on travel insurance, including how COVID-19 can affect it, and their guide on choosing the right travel insurance policy. In addition to making sure you have appropriate insurance, you should check and sign up to travel advice for your destination. What to consider when you buy travel insurance for you and your family. emergency treatment and hospital bills can be expensive. Check whether your policy covers treatment in public or private hospitals emergency transport, such as an ambulance, is often charged separately to other medical expenses, and emergency travel home on medical grounds can also be expensive pre-existing medical conditions: declare existing conditions or pending treatment or tests so that you are covered if anyone gets ill during your trip. Failing to declare something may invalidate your travel insurance all activities you may undertake on holiday, such as sports or adventure tourism (you may need specialist insurance for some activities). Also consider all the places you intend to visit, even if you are in transit, in case anyone needs emergency treatment in another country cruises generally require an additional level of cover because it is more difficult to get to hospital for treatment. Check the booking conditions of the operator you plan to sail with repatriation costs if you or a family member die abroad getting home after medical treatment if you cannot use your original ticket reasonable costs for a family member or friend to stay with you, or travel out to accompany you home, if required 24-hour assistance helplines to offer support and advice about appropriate treatment COVID 19 cover for if you or family members cannot travel to the UK because you/they test positive for COVID during your travel. Check your insurance covers additional costs such as alternative flights, accommodation and COVID tests. You should also check your insurance provides cover if you cannot reach your final destination during transit due to COVID-19 within Europe, some insurers may waive any excess on medical treatment if you use a European Health Insurance Card (EHIC) or UK Global Health Insurance Card (GHIC). Check the terms of your policy or contact your insurer to see if this is the case. EHIC and GHIC allow you to access state-provided medically necessary healthcare within the EU and Switzerland on the same terms as residents of these countries. Note that EHIC and GHIC are not alternatives to travel insurance as they do not cover any private medical healthcare costs, repatriation or additional costs such as mountain rescue in ski resorts. Find out more about the EHIC and GHIC, including how to apply for one free of charge ATOL is a consumer protection scheme for air holidays and flights, managed by the Civil Aviation Authority (CAA). Some insurance policies do not provide cover for when airlines or suppliers go out of business. Choose an ATOL-protected holiday or a travel insurance policy that includes airline or supplier failure cover Policy exclusions. Check how an insurance policy covers: alcohol and drugs: most travel insurance policies do not cover events that happen after you have drunk excessive alcohol or taken recreational drugs or other substances high risk destinations: many travel insurance policies will not cover travel to a high risk destination where the Foreign, Commonwealth & Development Office (FCDO) advises against all but essential travel or all travel. Check your policy wording and the relevant country travel advice pages before booking your trip and buying insurance mental health conditions: some policies may exclude cover for treatment related to a pre-existing mental health condition. For more guidance see foreign travel advice for people with mental health issues age restrictions: check whether there are any age-related restrictions if you are buying an annual policy. The Money Advice Service provides guidance on how to choose the right level of cover, get the best deal, and make a travel insurance claim. It also has specific guidance for travellers over the age of 65 or with pre-existing medical conditions sports such as bungee jumping, jet skiing, winter sports or skydiving: these are not usually included in standard policies. Use of quad bikes and hire of mopeds is also usually not covered driving overseas: check Driving abroad. If you’re hiring a car, check what cover the hire company provides. If you are driving your own vehicle, check your motor insurance policy to see what it covers terrorist acts: most policies offer only limited cover for terrorist acts. As a minimum, make sure your policy covers you for emergency medical expenses and travel home if you are caught up in a terrorist attack. Some travel insurers offer policy add-ons to provide additional cover if there is a terrorist attack in your destination. This may include cancellation cover, if your destination is affected by a terrorist attack before your trip and you decide you no longer wish to travel other incidents: some policies only offer limited cover for claims related to or caused by a natural disaster (such as an earthquake or tropical cyclone) or civil unrest. You may also not be covered for some claims that arise from an incident (such as strikes or other industrial action) that was known publicly when you booked your trip and/or bought your travel insurance policy Insurance for extended periods of travel. ‘Long-stay’ travel insurance can cover extended periods of continuous travel. Check carefully the maximum duration allowed in any policy you consider buying to ensure that it meets your needs. Make sure that the entire policy meets your needs, including specific activities and work (paid or unpaid) you may undertake. Insurance if you live abroad or go for work or study. Travel insurance is not intended for permanent residence abroad. If you live overseas, or you’re planning to move to a different country to live, work or study, you should consider your insurance needs carefully. Local law may require you to have medical insurance, including as part of a visa application. Read the healthcare guidance in the Living in guide for the country where you live to ensure you have the right healthcare arrangements for your circumstances. You can buy private medical insurance for UK expatriates. You can also buy insurance from local providers overseas. You should always check policies carefully, including seeing whether you could transfer medical cover if you re-locate to other countries in future. Support for British nationals abroad. Support for British Nationals Abroad explains how the FCDO can provide support to British nationals if things go wrong abroad. Published 22 March 2013 Last updated 3 December 2021 + show all updates 3 December 2021 Reviewed and updated guidance in full. 1 November 2021 Updated guidance on using an EHIC or GHIC to access healthcare in Switzerland. 19 July 2021 Updated to reflect new rules for travelling to amber list countries. 17 May 2021 Updated COVID-19 section on new rules for international travel from 17 May. 26 March 2021 Updated to reflect current COVID-19 travel guidance 5 March 2021 New link to the declaration form for international travel (for England), from 8 March. 13 February 2021 Edited grey box at top of page to provide further information on requirements coming into affect from 15 February 5 February 2021 From 15 February you will need to quarantine in a government-approved hotel if you arrive in the UK from countries on the travel ban list. 16 January 2021 Updated with new requirements coming into effect from 4am on 18 January 2021. 12 January 2021 Updated with information on pre-departure testing for everyone travelling into England and Scotland. 5 January 2021 Updated to reflect latest UK COVID-19 restrictions. 31 December 2020 Updated the section on travel to Iceland, Liechtenstein, Norway and Switzerland, to reflect changes from 1 January 2021. 29 December 2020 Updated ‘Travel to the EU’ section to reflect that UK-issued European Health Insurance Cards (EHIC) will still be accepted in EU countries, with different guidance for people travelling to Norway, Iceland, Liechtenstein and Switzerland from 1 January 2021. 20 December 2020 Updated COVID-19 travel guidance 1 December 2020 Updated to reflect the latest Tier-based COVID-19 rules for England 4 November 2020 Updated to reflect the 5 November national restrictions for England relating to travel 16 October 2020 Updated EU travel section with information on EHIC validity 3 July 2020 New information on making sure your travel insurance covers you for coronavirus-related events 7 January 2020 Update to contents including addition of new segments; travel insurance after starting travel or changing your plans, making a travel insurance claim, other financial protection and if you’re not covered. 22 March 2019 Added information on financial protection of package holidays. 20 March 2019 Information on the use of European Health Insurance cards (EHIC) in the event of a no deal added to the EU Exit update section 19 December 2018 EU Exit update with advice on checking insurance coverage when travelling to Europe after the UK leaves the EU. 25 October 2017 Content and format changes 26 July 2017 Inclusion of Association of Travel Insurance Intermediaries (ATII) information. 11 July 2017 Updated information on travel insurance 22 March 2013 First published. Contents Print this page Part of Travel abroad: step by step . Step 1: Plan your trip . Find out how to travel abroad from England during coronavirus (COVID-19) There are different rules if you're: travelling abroad from Scotland travelling abroad from Wales travelling abroad from Northern Ireland Check foreign travel advice for the country you're travelling to or transiting through Find out what you need to do: to drive abroad if you're disabled to take your pet dog, cat or ferret abroad Step 2: Get your passport, visas and permits ready . How much time you need on your passport depends on the country you're visiting. Check the entry requirements for the country you want to travel to. Check your passport has enough time left on it for the country you're visiting Renew or replace your passport Get a passport for your child You may also need a visa to enter some countries. Check if you need a visa or permit Step 3: Get travel insurance and check if you need vaccinations or inoculations . You are currently viewing: Get travel insurance Use your NHS COVID Pass to prove you're vaccinated Check what vaccinations or inoculations you may need on the TravelHealthPro website Step 4: Travel safely during COVID-19 . Find out how to travel safely in the UK during COVID-19 Check guidance for safer air travel during COVID-19 Step 5: Going through border control . You may need to show paperwork such as your passport or visa. You may also need a negative COVID-19 test result or to demonstrate your COVID-19 vaccination status at the point of entry. Check the entry requirements for the country you are travelling to or transiting through Step 6: When you're abroad . Follow the local COVID-19 restrictions Find out what to do if: you need to access healthcare in the EU you're in a crisis abroad you're arrested abroad you're a victim of a crime abroad Step 7: Before you return to the UK . Check what you need to do before you travel to England and after you arrive during COVID-19 There are different COVID-19 rules if you're: entering Scotland entering Wales entering Northern Ireland Find out what to do if you want to: bring goods into the UK bring food, plants or animal products into the UK for personal use Step 8: After you arrive in the UK . Check what you need to do before you travel to England and after you arrive during COVID-19 Follow the latest COVID-19 restrictions when you're in England There are different COVID-19 rules if you're: entering Scotland entering Wales entering Northern Ireland You may also need to declare goods and pay tax and duty to UK customs. Check if you need to declare goods and pay tax and duty COVID-19 vaccinations. Book your coronavirus vaccination and booster dose on the NHS website Is this page useful? Maybe Yes this page is useful No this page is not useful Thank you for your feedback Report a problem with this page
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Result 24
TitleAviva health insurance - Coronavirus updates - Aviva
Urlhttps://www.aviva.co.uk/help-and-support/coronavirus/health-insurance-customers/
DescriptionWe understand that you may be concerned about how the current situation may affect your health insurance. Find out more and how you can get in touch here
Date
Organic Position24
H1Coronavirus: health insurance
H2Coronavirus latest
We’re here to help
Your questions answered
How to get in touch
Our COVID-19 pledge
Download the MyAviva app
Coronavirus and our other policies
Login or register
H3Call us
Email us
Make a claim
New policies
Manage your policy with MyAviva
Life, critical illness and income protection
Savings and investments
Pensions and retirement
Workplace pensions
H2WithAnchorsCoronavirus latest
We’re here to help
Your questions answered
How to get in touch
Our COVID-19 pledge
Download the MyAviva app
Coronavirus and our other policies
Login or register
BodyCoronavirus: health insurance Everything you need to know at this time Coronavirus latest . From mid-December 2020, there were increasing cases of COVID-19 and this started to put the NHS under extreme pressure in some areas of the country. The NHS began using more of the private hospital capacity again, pausing the return to the normal pre-pandemic levels of activity seen in November and December 2020. Since February 2021, we’ve seen the availability and accessibility of private healthcare increase. We are now seeing almost normal levels of available capacity and activity. We understand you will be concerned how the reduced availability of private healthcare might affect your health insurance policy. That’s why we’ve provided clarification in the Your questions answered section below. We’re here to help . If you’re struggling financially due to COVID-19 and need help, we can defer your monthly payment for up to three months. Please remember that you’ll need to pay back the premium when the deferral period ends. If you have any questions or would like help identifying alternative options to better suit your current needs and budget, we’re here to help. Please contact us on 0800 092 4590 to discuss your individual situation and we’ll do our best to support you. Calls may be monitored and/or recorded. Calls to 0800 numbers from UK landlines and mobiles are free. Your questions answered . Policy cover and benefits What cover is available for testing, screening or treatment for COVID-19? . There are currently two types of test available – polymerase chain reaction (PCR) and antibody tests. Does the policy cover vaccinations and vaccination side effects? . A vaccination is a preventative measure, rather than a treatment for an acute condition, so is not covered under the policy. Likewise, we don’t cover any side effects you may experience after the vaccination as they are a consequence of an event not covered under your policy terms. What’s covered? . If you are about to undergo private medical treatment, we’ll pay for you to have a PCR test if required to identify whether you have the virus. A study published in The Lancet suggests there is a material increase in risk in going through elective surgery if an individual tests positive for the virus 1. By funding the test, we’re able to help your doctor decide whether it’s safe to continue with your treatment. Testing before surgery also helps protect the medical team and control the risk of infection in the hospital. We will pay for you to have a PCR and/or antibody test if your specialist recommends it as a tool to support a diagnosis. This depends on the policy terms and conditions. It falls within the out-patient benefit limit, so if you don’t have out-patient cover, we won’t pay for the PCR test. If you have COVID-19 symptoms, we will also reimburse the cost of a PCR and/or antibody test under your GP referred benefits cover - if you have it - on our Solutions product, if your GP recommends it. What’s not covered? . We don’t pay for self-referral for PCR testing as a screening tool. While you might find it helpful to know if you have COVID-19 or not, if you do have symptoms, your testing, care and support would be provided by the NHS. Similarly, we don’t cover self-referral for antibody testing if you are asymptomatic. There are several reasons for this. While the main issue relates to reliability and the risk this could pose the individual, we believe there are also social issues such as inequality to consider. I haven’t been able to use my policy as I usually would, yet I’ve been paying the premiums. Will you recognise this by increasing some of my benefit limits? . No, the benefit limits for your policy will remain the same. However, we will look at each case affected by delays caused by the COVID-19 pandemic. What if COVID-19 exacerbates an underlying condition? . This is a novel virus, but with each passing day we are learning more about its potential impact on individuals. If you have underlying conditions that are exacerbated by COVID-19, we’ll manage your care in line with policy terms and conditions in the usual way. The NHS’s decision to use more of the capacity of the private hospitals may affect access to some of my benefits. What can I still claim for? . The terms and conditions of our policies haven’t changed, so your cover will still apply. During the peak times of the pandemic, it was harder to access certain care. However, we’re now seeing availability of private hospitals going back to pre-pandemic levels. If I’m having care for COVID-19 at a private hospital under the NHS hospital, can I still claim NHS cash benefit? . Yes, absolutely. If you’re under NHS care, we will pay any valid claims for NHS cash benefit, no matter whether you’re in an NHS hospital or a private one. Does the six-week option stop me from claiming NHS cash benefit if I am admitted to hospital for treatment for COVID-19? . No, in response to the COVID-19 pandemic, we have waived the six-week option for NHS cash benefit claims relating to hospital admissions for COVID-19. If your policy includes an NHS cash benefit and you’re under NHS care for COVID-19, you can claim the NHS cash benefit in line with the terms and conditions of your policy. If your hospital admission is not related to COVID-19, the six-week option will still apply in the usual way to NHS cash benefit claims. I am in the military full time or as a reservist and have been called up to support the government in response to the current COVID-19 crisis. Will my policy cover me for any eligible treatment I may need that occurs as a result of this support? . Your PMI would normally exclude military activity in any form, but we recognise the current climate presents a number of challenges to ourselves and the country. As such, we won’t apply this exclusion should you be called to support the government in the fight against COVID-19 as we will not classify this as military activity. This means you will be able to access eligible treatment if you need it as a result of COVID-19 service. Would my policy cover me for any treatment abroad? . Some policies include cover for emergency overseas treatment, although this is being removed as policies renew from 1st March 2021. If you currently have access to emergency overseas cover, this will remain in place until renewal. Can I use the Aviva Digital GP app in the current crisis? . Since the COVID-19 pandemic began, more and more people are using the Aviva Digital GP app. We’re currently managing a significant volume of appointments each month. We are meeting the additional demand, with the majority of customers speaking with a GP the same day. During this uncertain time, please continue to use Aviva Digital GP as usual for any non-COVID-19 related illnesses or questions. We are here to help, particularly when it may be harder to get into your usual primary care practice, or you may be self-isolating and unable to go out. If you have any symptoms or questions regarding COVID-19, please follow the latest guidance at: nhs.uk/coronavirus. Will you cover physiotherapy sessions carried out remotely by video conference? . We cover video consultations under the terms and conditions of your policy, provided they are with a practitioner recognised by us and the physiotherapist has the ability to do this. We will pay up to the limits in our fee schedule. I’ve been asked to attend a video/telephone/remote consultation. How much will you pay? . We cover video, telephone and remote consultations under the terms and conditions of your policy, provided they are with a practitioner recognised by us and in relation to eligible treatment. We will pay up to the limits in our fee guidelines. I’m approaching renewal. Will the terms remain the same? . From 1 March 2021, terms and conditions may have changed on some products. We will keep an eye on the situation and update our position in light of any relevant developments. If you’d like to discuss anything regarding your policy, contact us on: 0800 092 4590 Lines are open Monday to Friday 9am to 5pm. We may monitor and/or record calls to and from Aviva. If I cancel my policy now, and take out a new one after the COVID-19 pandemic has passed, how might this affect my claims or premium in the future? . If you’re thinking of cancelling your policy, please call us on: 0800 092 4590 and we’ll discuss the best solution for you and your future ability to make claims. Lines are open Monday to Friday 9am to 5pm. We may monitor and/or record calls to or from Aviva. How do I cancel my policy? . If you’re thinking of cancelling your policy, please contact us on: 0800 092 4590. Lines are open Monday to Friday 9am to 5pm. We may monitor and/or record calls for and from Aviva. Accessing treatment Will I be able to claim without a GP referral during the current crisis? . GP referrals will still be required in most cases. The easiest way to get a GP referral would be through Aviva Digital GP, if you have access to this app. Otherwise you should contact the NHS through your usual methods. However, you don’t need a GP referral for some benefits, including our BacktoBetter service for musculoskeletal conditions and the Mental Health Pathway, available on Solutions. If I’m admitted to a private hospital suffering from COVID-19, will I be admitted as an NHS patient? . Yes, you will. If you’re admitted to a private hospital under these circumstances, you’ll be under NHS care. Will you help me find a specialist who can see me face to face? . Yes, we will. Where it is clinically appropriate, specialists will always see patients face to face. I am facing delays with my claim. Can you help me find an alternative specialist or hospital? . Yes, we can help you find another specialist at a hospital that is taking new patients. If you offer me an alternative specialist, will I have to start my claim again from the beginning? . If you move to a different specialist, that specialist will want to see any diagnostic results you have. If they can’t access those results for any reason, you may have to repeat the tests. I don’t yet have a diagnosis for a condition I’m suffering from. Am I still covered to have investigations carried out privately? . If your policy terms provide cover for the investigations you need and you are able to arrange these privately, then these would be covered as usual. I’m concerned about going to an alternative hospital/facility as there may be an increased risk of COVID-19 infection. . Please be assured that all the hospitals and medical facilities we partner with are doing everything possible and taking every precaution to reduce the risk of COVID-19 infection. I’m feeling stressed about this situation – can I speak to someone? . If you are a policyholder or member aged 16 or over and are feeling stressed then you can call our Stress Counselling Helpline on: 0800 158 3349. Calls may be monitored and/or recorded. Calls to 0800 or 0808 numbers from UK landlines and mobiles are free. Alternatively, you can contact a GP through the Aviva Digital GP app or your local NHS GP. Will you pay for my PCR test if my child is admitted to hospital? . We will pay for one parent to have a PCR test if a child aged under 18 is admitted to hospital for surgery. Current claims I’m currently receiving care in a private hospital; will you continue to cover me? . The terms and conditions of our policies haven't changed. If your treatment is available privately, your cover will still apply. I have a claim in progress. Will I still be covered? . We will continue to process your claim in line with your policy terms and conditions and cover limits. Premiums and payments Do I still need to pay my premiums? . If you want to keep your cover in place, you need to pay your premiums. I’m having financial difficulties due to the effect of the COVID-19 pandemic, and can’t afford to pay my premiums. What should I do? . If you’re struggling financially due to COVID-19 and need help, we can defer your monthly payment for up to three months. Please remember you’ll need to pay back the premium when the deferral period ends. If you have any questions or would like help identifying alternative options to better suit your current needs and budget, please call or email us: 0800 092 4590. We are open Monday to Friday 9am to 5pm. We may monitor and/or record calls to and from Aviva. Email us at [email protected] or chat to us using Live Chat on MyAviva. I’m concerned I might become ill and be unable to contact you. If this happens and my policy is automatically renewed, can I contact you later to cancel it? . We will renew your policy on the due date, but if you want to cancel it, please get in touch and we’ll do that for you. Business health insurance questions What would happen if my employer cancels my private health insurance? Is there any way to keep my cover? . Yes, you can continue cover by switching to an individual policy and arranging to pay your premiums as an individual. However, the terms, conditions and levels of cover may be different to the ones you had through your employer’s cover. You can discuss this further by contacting our Customer Management Team on: 0800 092 4590. Lines are open Monday to Friday 9am to 5pm. We may monitor and/or record calls to and from Aviva. You need to make sure you do this within 45 days of your employer’s cancellation to keep your current underwriting. I am being made redundant. Can I continue my private medical insurance policy as an individual? . Yes, you can continue cover by switching to an individual policy and arranging to pay your premiums as an individual. However, the terms, conditions and levels of cover may be different to the ones you had through your employer’s cover. You can discuss this further by contacting our Customer Management Team on: 0800 092 4590. Lines are open Monday to Friday 9am to 5pm. We may monitor and/or record calls to and from Aviva. You need to make sure you do this within 45 days of your employer’s cancellation to keep your current underwriting. Our COVID-19 pledge As you’re extending the pledge period, will you pay interest on top of the pledge payment? . As we now anticipate making the final COVID-19 pledge payment in 2023, later than we expected, we’ll increase the amount we may pay by 20%. If we bring the payment date forward, we may reassess this. How do I know you are not profiting from the COVID-19 situation? . Grant Thornton UK LLP has independently reviewed our decision to extend the timeframe of the Pledge and has made the following statement: Grant Thornton UK LLP has independently reviewed Aviva Health UK Limited’s decision to extend the timeframe of its COVID-19 Pledge until the end of 2022. We have reviewed Aviva Health UK Limited’s reasoning for this decision and the information currently available. Based on this, whilst there is continuing uncertainty around the ongoing impact of COVID-19 and the disruption to claims, we are satisfied that its decision to extend the timeframe of its COVID-19 Pledge until the end of 2022 is appropriate and in line with the principles underlying the Pledge. Is it possible that you will extend the pledge period again? . We hope not to do this, but we can’t predict what may happen with this situation. Please read our COVID-19 pledge to understand more about why we’ve extended the pledge period (PDF 91 KB) When do you expect to make the pledge payment? . Currently we can’t put a time on this, but we’ll continue to keep you informed and contact you with an update as soon as we can. I pay by cheque every year but would like the pledge payment sent to me by a different method. Is that possible? . We’ll pay using the payment method you used to pay your latest premium. When will you tell me more about the situation with the COVID-19 pledge payment? . We’ll be in touch when we have more information to share. How to get further help If you still have questions after reading these FAQs, please contact us on: . 0800 092 4590 Lines are open Monday to Friday 9am to 5pm. We may monitor and/or record calls to and from Aviva. It’s worth checking if we’ve updated this document since you last downloaded it. We’re revising it frequently as the situation progresses, so please click the link again to see if we’ve added an answer to the question you have. How to get in touch . Our call centres are experiencing huge demand right now. So if you need to call us about your policy, we may take a little longer than usual to answer. Choose the right option for you below. Call us . If you have an urgent query about your health insurance policy, call us on 0800 068 3827. Lines are open Monday to Friday 9am to 5pm 2. Email us . If you need to make updates to your policy, or have a non-urgent query about your policy, use our health insurance email enquiries forms. Make a claim . You can make a claim in MyAviva, or you can call us on 0800 068 5821. Lines are open Monday to Friday 9am to 8pm, Saturday 9am to 4pm and Sunday 10am to 3pm 2. New policies . Go to our health insurance page to find out how to get a quote. Our COVID-19 pledge . Life doesn’t always go to plan, but you can count on us in your time of need. Read our pledge here Manage your policy with MyAviva . You can find policy information and make changes through your secure online account. View your policies Update your details Make a claim Log in to MyAviva Register now Download the MyAviva app . The MyAviva app is just a tap away. Visit the iTunes App Store or Google Play Store to get started. Mobile data charges may apply. Download on the Apple App Store Download on the Google Play Store Coronavirus and our other policies . If you have another type of policy with us, or you’re interested in taking one out, find out what you need to know in the current situation. Life, critical illness and income protection . Explore protection support Savings and investments . Explore investment support Pensions and retirement . Explore retirement support Workplace pensions . Explore workplace pension support Login or register. Log in or Register
Topics
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Result 25
TitleHoliday & Travel Insurance with Coronavirus Cover | LV=
Urlhttps://www.lv.com/travel-insurance
DescriptionAnnual or single trip travel insurance policies now includes trip cancellation due to coronavirus (covid-19) diagnosis, repatriation and medical costs
Date
Organic Position25
H1Travel insurance
H2From around the world trips, to city breaks and even golf holidays, our travel insurance comes highly recommended.
So, what does our travel insurance cover?
Travel insurance with coronavirus cover
However you like to holiday, we've got travel insurance policies and a range of cover options to suit you
See how our travel insurance compares
Section cover
How much will travel insurance cost?
Travel insurance to cover an existing medical condition
awards and recognition
Have we tantalised your travel taste buds? Read through our related travel insurance articles
What our jet-setting customers say about our travel insurance cover..
Now sit back, relax and start your quote
H3Why choose LV= travel insurance?
More about LV= travel insurance
Check out our range of optional extras
Our policy documents
Travel insurance FAQs
Holiday destination guide
EHIC and GHIC - everything you need to know
Guide to golf cover
Travel insurance and your staycation
H2WithAnchorsFrom around the world trips, to city breaks and even golf holidays, our travel insurance comes highly recommended.
So, what does our travel insurance cover?
Travel insurance with coronavirus cover
However you like to holiday, we've got travel insurance policies and a range of cover options to suit you
See how our travel insurance compares
Section cover
How much will travel insurance cost?
Travel insurance to cover an existing medical condition
awards and recognition
Have we tantalised your travel taste buds? Read through our related travel insurance articles
What our jet-setting customers say about our travel insurance cover..
Now sit back, relax and start your quote
BodyTravel insuranceGoing away? Take our Defaqto 5 Star rated travel insurance with you**Defaqto 5 Star rated Premier policy Get a travel quoteYour saved travel quote Get a travel quote From around the world trips, to city breaks and even golf holidays, our travel insurance comes highly recommended. . 9.0out of 10Read 2,645 reviews Why choose LV= travel insurance?Our flexible, affordable travel insurance protects you against cancelled holidays and up to 10 million pounds emergency medical cover. We'll consider all pre-existing medical conditions and there's no upper age limit on single trips. So, what does our travel insurance cover?Choose from our essential or premier policies to find the cover for you.Very good website to use and great price for travel insurance!!Our essential policy includes all of this as standard: A 15% discount when you buy our travel insurance online Up to £10million emergency medical cover Travel insurance with coronavirus cover We'll cover your medical and repatriation costs if you fall ill with coronavirus (COVID-19). Find out what's covered with our coronavirus cover Up to £5,000 holiday cancellation cover If you have to cancel your holiday, cut it short or cancel any activities/excursions for a reason that wasn't your fault e.g. due to illness No upper age limit on single trips We provide cover to travellers over 65 (life begins at 60, after all)  24-hour UK-based helpline if you need us while you’re away You can also make a claim 24/7 online  Group and family travel insurance We'll insure up to ten people on one policy  All pre-existing medical conditions considered Including diabetes and high blood pressure. Just tell us when you take out your policy Cruise cover included as standard With our annual policies. Happy sailing! If you choose our Defaqto 5 Star rated Premier policy you'll get all of the above plus all all of this: Cover for delays and cancellations after 24 hours Including bad weather, terrorism, drones, ash clouds or strikes – all the things we can’t control Up to £1,000 if you miss your pre-booked transport Like missing your flight because of a delayed train (it happens!) Up to £10,000 cancellation cover If you have to cancel your holiday, cut it short or cancel activities/excursions for a reason that wasn't your fault e.g. due to illness Very good website to use and great price for travel insurance!! Travel insurance with coronavirus cover. We’ve made some important changes to our cover for new customers and existing customers renewing with us. Some examples of what we'll cover: Medical and repatriation costs if you become unwell with any coronavirus (including COVID-19) or contagious disease If your trip or holiday has to be cancelled because you or a travelling companion are diagnosed with any coronavirus (including COVID-19) or contagious disease and are unable to travel Emergency repatriation costs to bring you home if the Foreign, Commonwealth and Development Office (FCDO) impose travel restrictions (while you're at your destination), either in the UK or at your destination, and has requested you to return to the UK Some examples of what we don't cover: Costs because you decided to cancel your trip or holiday if you don’t want to travel due to any coronavirus (including COVID-19) or contagious disease Costs because the FCDO or public authorities have imposed travel restrictions or a lockdown Additional transport or accommodation costs after you left home because the FCDO imposed travel restrictions or lockdown either in the UK or at your destination. Find out more by visiting our COVID-19 support page However you like to holiday, we've got travel insurance policies and a range of cover options to suit you. Single trip travel insurance. This cover is ideal if you're only going away once this year. We’ll cover you for a single trip of up to: 366 days if you’re under 65 years of age, 90 days if you’re between 65 and 79 years old and 31 days if you’re aged 80 or over.More about single trip coverAnnual multi trip travel insurance. Fancy a few mini breaks? So do we! This cover is ideal if you're going away twice or more this year. We'll cover you for up to 90 days away at a time and it may even save you time and money. So, grab the calendar and get planning!More about annual multi tripFamily and group travel insurance. Going in a group or as a family? We'll cover up to ten people per travel policy and we'll even treat you to a 15% online discount. So all you need to do is decide who to invite!More about family and group travel insuranceWinter sports and ski cover. Adding our winter sports cover to your LV= travel policy means you're covered for emergency medical expenses, personal accident and personal liability on a range of winter sports activities. So, whether you ski or board, we've got you and your gear covered.More about winter sports and ski insuranceCruise cover. We actually include cruise cover as standard on our annual multi-trip policy, but we can add cruise cover to your single trip policy too if you only need cover for a one off. Sea legs at the ready? All aboard!More about cruise coverBaggage cover. You can relax knowing your baggage, belongings and cash are covered for damage or theft. Off on a golfing holiday? We'll cover your golf clubs or hired equipment too! So, what time's tee off?More about baggage cover See how our travel insurance compares. Travel insurance provider LV= Admiral  Axa Direct Post Office Money Level of cover used for comparison Premier Platinum Gold  Premier Defaqto 5-Star rated Online discount available Cancellation limit £10k £5k £5k £5k Personal liability excess £0 £50 £50 £50 Lost or stolen valuables £500 £400 £500 £300 Lost driving licence £500 £500 £500 £400 Travel insurance provider LV= Admiral  Axa Direct Post Office Money Level of cover used for comparison Premier Platinum Gold  Premier Defaqto 5-Star rated Online discount available Cancellation limit £10k £5k £5k £5k Personal liability excess £0 £50 £50 £50 Lost or stolen valuables £500 £400 £500 £300 Lost driving licence £500 £500 £500 £400 Sourced from insurers websites and policy booklets as of August 2021 Section cover. Section of cover Essential policy max limit per person Premier policy max limit per person Excess per claim Cancellation / abandonment after delays £10,000 £90 Additional transport and accommodation costs £1,000 Delay at your departure point (Limit for each 12 hours of delay) £250 (£25) Bankruptcy of travel provider £10,000 Activities included Standard only Adventure and standard N/A  Maximum trip length on annual multi trip policies (age restrictions apply) 31 days 90 days Cancelling your trip before you travel, eg due to illness £5,000 £10,000 £90 Cancelling excursions or activities while on your trip, eg due to illness £5,000 £10,000 £90 Cutting short/cancelling your trip after you've travelled, eg due to illness  £5,000 £10,000 £90 Emergency medical expenses (excluding UK cover)  £10 million £90 Personal liability £2 million   Personal accident £25,000   Legal advice & expenses (up to £50,000 per policy) £25,000   Section of cover Essential policy max limit per person Premier policy max limit per person Excess per claim Cancellation / abandonment after delays £10,000 £90 Additional transport and accommodation costs £1,000 Delay at your departure point (Limit for each 12 hours of delay) £250 (£25) Bankruptcy of travel provider £10,000 Activities included Standard only Adventure and standard N/A  Maximum trip length on annual multi trip policies (age restrictions apply) 31 days 90 days Cancelling your trip before you travel, eg due to illness £5,000 £10,000 £90 Cancelling excursions or activities while on your trip, eg due to illness £5,000 £10,000 £90 Cutting short/cancelling your trip after you've travelled, eg due to illness  £5,000 £10,000 £90 Emergency medical expenses (excluding UK cover)  £10 million £90 Personal liability £2 million   Personal accident £25,000   Legal advice & expenses (up to £50,000 per policy) £25,000   More about LV= travel insurance. What's not covered? Destinations we’ve not agreed to cover Claims relating to a pandemic (including COVID-19), except where cover has been expressly stated. Find out more. Cancellation due to you not wishing to travel Pre-existing medical conditions unless we’ve agreed to cover  Delay (Essential), or delay under 12 hours (Premier) Holiday cancellation due to delays (Essential) Refreshment costs for delays under 12 hours (Essential and Premier) Read our most common examples of what's not covered in our claims considerations guide Optional extrasCheck out our range of optional extras. Baggage We cover your all-important personal items. From baggage to belongings, and even your cash. You’ll get…  £3,000 (including a £500 single item limit and total valuables limit) with the Premier policy £2,000 (including a £300 single item limit and total valuables limit) with the Essential policy  And finally, £500 for money, including £300 cash (on Premier and Essential policies) Winter sports and ski cover Before you take off down a slope, make sure you’re well protected if you land with a bump! We’ll cover…  Emergency medical expenses Personal accident Personal liability Find out more about winter sports and ski coverPolicy documents Our policy documents. You can get these and other documents from us in Braille, large print or audio by dropping us a line. Travel insurance policy document (PDF 649 KB) Travel insurance product information document (PDF 89KB) How we use your personal information (PDF, 147KB) Travel Essential activities document (PDF 55KB) Travel Premier activities document (PDF 65KB) Travel insurance FAQs. Are there any age restrictions on your travel insurance policies?The single trip policy has no upper age limit. Our annual policy is only available to travellers who are aged 79 and under. You can also choose from two different levels of cover - Essential or Premier. The maximum trip length under an annual multi-trip Premier policy is 90 days or 31 days under an Essential annual multi-trip policy. On a single trip if you're between 65 and 79, the maximum trip length is 90 days or 31 days if you're 80 or over. > Read our over 50's travel guide > Read our over 65's travel guide > Read our over 70's travel guide > Read our over 75's travel guide > Read our over 80's travel guide Will my European Health Insurance Card (EHIC) still be valid after Brexit?Your European Health Insurance Card (EHIC) is still valid after 31 December 2020 until your card expires, so remember to take it with you if you travel. If you don’t have one, you can now apply for a Global Health Insurance Card (GHIC). From the 1 January 2021 the GHIC and EHIC is accepted in all EU countries but not Norway, Iceland, Switzerland or Liechtenstein. The EHIC or GHIC entitles you to reduced cost or free state healthcare in the countries you visit. However, not all medical costs are covered by these health agreements, so your travel insurance will cover you for all other medical expenses, including bringing you home if you're too unwell to complete your trip. An LV= travel insurance policy provides up to £10 million emergency medical cover outside the UK as well as things like: Lost costs if you need to cancel or cut a trip short due to illness Transport costs to get you home if you can't use your original scheduled transport arrangements due to illness The costs for someone to arrange for someone to travel to you if it's medically necessary For more updates on Brexit and your travel insurance policy, check our dedicated Brexit page.    Do I need travel insurance for a UK trip/staycation?You should consider cover buying travel insurance to cover the unexpected. Travel insurance will cover you for: Cancellation if you or your travelling companion becomes ill or injured and can’t travel Transport costs to get you home or transferred by ambulance to a hospital near your home should you fall ill whilst away Baggage claims – if you selected this cover  Do you offer backpack travel insurance?Although we don't have a specific backpacker policy, LV= travel insurance is suitable for a backpacking holiday. If you're under 65, our single trip policy covers trips up to 366 days long and can be bought up to one year in advance of the trip start date*. You can also add optional baggage, personal belongings and money cover to your policy too, in case your things get lost or stolen while you're away. *If you're 65 or over, we can cover trips up to 90 days. If you decide to return home before your cover end date, the cover will end. If your backpacking trip involves different trips to and from the UK, then our annual multi-trip policy could be more suitable as it can cover individual trips up to 90 days long so long as you select our Premier level of cover and you are under 80 years of age.What if the FCDO advises against travel to my destination while I'm there?If, after travelling to your destination, the FCDO advice is to leave the area you're staying in, then you're covered to cut your trip short. If this situation arises, please contact our 24 hour assistance helpline on +44 1243 621 537 (01243 621 537 from the UK). If the FCDO advice is simply against travelling to the destination you are already in, there is no cover to cut your trip short; however, you can call the 24 hour helpline if you need any help or advice. Is emergency prescription medication covered under LV= travel insurance?If you run out of prescription medication because you were unable to return home as planned we can cover the costs of additional medication. If you've taken out optional baggage cover and you lose your medication, we'll cover the cost of replacing it. Full details can be found on Your Document of Travel Insurance. . What happens if my baggage is delayed, lost or stolen?If your baggage is delayed or lost in transit, you should tell the company that is transporting your baggage within 24 hours of discovery and ask them to complete a Property Irregularity Report or provide you with a baggage loss receipt. If you have chosen to add our baggage cover to your policy and your baggage is delayed for more than 12 hours from when you arrive at your destination, your policy provides cover for the purchase of necessary items: up to £250 on our Essential policy and up to £500 on our Premier policy. If you have cruise cover, the cover limits include the cost of couriering your baggage to your cruise vessel if it has already left the port. If your baggage is stolen, you should report this to the local police within 24 hours of discovering the theft and obtain a written report. You can claim up to £2,000 on our Essential policy and up to £3,000 on our Premier policy for stolen or lost items. There is a single item limit and total valuables limit of £300 on Essential and £500 on Premier. If your baggage is lost, you should report the loss to an appropriate person depending on where the loss occurs; for instance, if you lost a ring while in a restaurant, you'd report that to the manager of the restaurant, if you lost a ring while in your accommodation you'd report that to the manager or owner of the accommodation. You must obtain written evidence that you have reported the loss.    How do I make a claim with LV= travel insurance?To make a claim on your LV= travel insurance, visit our travel claims hub or call us on 0800 707 6967 Lines open: Mon-Fri 8am - 8pm Saturday and Bank Holidays 9am - 5pm Sunday 10am - 4pm Calls will be recorded. For Text Phone first dial 18001 If you need emergency assistance call our 24/7 helpline on 01243 621 537 From outside the UK: +44 1243 621 537 Depending on what section of your policy you're claiming under, you may need to give us certain types of information or evidence; for example, your original trip booking invoice and travel documents showing the dates and times of travel, evidence that losses or thefts have been reported, or evidence of ownership and value of goods . Please see the relevant section of your policy for more information on what documents you may need.Have another question?Haven't found what you're looking for? No worries, you can read all our travel insurance FAQs in our FAQ hub.   How much will travel insurance cost?Many factors can affect the price you pay.  Remember, sometimes the cheapest travel insurance may not offer the most comprehensive cover. Here's what we take into account:  Where you're travelling to. If you're going abroad, you'll likely need to pay a bit more for your cover than if you're caravanning in Cardiff. How long you're going for. When you go on longer holidays, your travel insurance is likely to be more expensive.  Who you're travelling with. Insurers will consider the age and medical history of everyone in your group. Medical conditions. You're likely to pay less for your insurance if you don't have a medical condition. What activities you'll be doing. It normally costs a bit more to cover certain activities - like skiing and other winter sports. Currency fluctuations. When the pound is weak against foreign currencies, it costs insurers more to settle claims with companies or services based overseas. The rising cost of medical treatments. Medical expenses can cost hundreds of thousands of pounds in other countries.  What's going on in the world. Factors outside your control like COVID-19 (coronavirus) or natural disasters will often impact the price of your travel insurance. Legislative changes. Governmental changes to taxation will also push up the price of your travel insurance. More about how we work out the cost of travel insurance Travel insurance to cover an existing medical condition. If we can't cover your medical condition, or the premium is higher than you expected, help is still available…The Financial Conduct Authority (FCA) have worked with firms to create a Medical Cover Firm Directory. The directory lists all the firms that may be able to provide a policy to cover your medical conditions. You can find this directory on the Money Advice Service's website, or give them a call on 0800 138 7777. Open hours Mon - Fri 8am to 6pm. awards and recognition. Travel with us and you're in safe hands Defaqto 5 Star rated Premier policy  Have we tantalised your travel taste buds? Read through our related travel insurance articles. Holiday destination guide. From the beaches of Portugal to the hot springs of Iceland, whatever your ideal holiday is, we've got it covered in our holiday destination guide EHIC and GHIC - everything you need to know. Hoping to travel to Europe soon? Make sure you have your EHIC or GHIC in place. Our guide explains it all for you Guide to golf cover. Off on a golfing trip? Make sure you've got cover in place to protect your own golfing gear and any you've hired. Find out more in our golf cover guide. Travel insurance and your staycation . Staycation may be the new vacation but you'll still want to consider travel insurance. Check out our staycation guide to see what's what.  What our jet-setting customers say about our travel insurance cover...Excellent easy to use website, offers clear instructions on what is or what isn't covered making choice easy and very competitive priceLooking for something else? Perhaps these links can help: > How we calculate your travel premium > See our travel customer reviews > Read our travel magazine > Travel insurance glossaryExcellent easy to use website, offers clear instructions on what is or what isn't covered making choice easy and very competitive price Now sit back, relax and start your quote. Get a travel quoteYour saved travel quote LV= travel insurance is rated 9 out of 10 based on 2645 customer reviews independently verified by Reevoo
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Result 26
TitleCoronavirus (COVID-19) and your insurance | AXA UK
Urlhttps://www.axa.co.uk/coronavirus/
DescriptionThe latest information from AXA on how coronavirus (COVID-19) affects your insurance
Date
Organic Position26
H1Coronavirus: help and support
H2Make changes to your policy 24/7
Working with businesses and communities to support the cause
Supporting our customers, people and communities
More information about coronavirus
H3Return to office
Joining forces with others via the C-19 Business Pledge
#AXASolidarityResponse – join our global challenge
Helping local communities
H2WithAnchorsMake changes to your policy 24/7
Working with businesses and communities to support the cause
Supporting our customers, people and communities
More information about coronavirus
BodyCoronavirus: help and support “Coronavirus is disrupting our lives in ways we’ve never seen before. With lockdown restricting people’s movements, our teams across the country have changed their ways of working. I’m incredibly proud of how my colleagues have adapted to this situation to continue supporting our customers. I want to thank them all for their commitment and reassure our customers that we will do everything we can to help.” We’re still experiencing a high volume of calls meaning you may have to wait longer than usual to speak to one of our agents. We’re working hard to support you These are unsettling times for everyone, and the health of our customers and staff remains priority. We want to reassure you that whilst we are all doing things slightly differently right now, we’re doing everything we can to keep you updated on how coronavirus (COVID-19) affects your insurance. To help answer your questions, we’ve pulled together some guidance below for each of our policies and continue to update these pages as things develop. Car - help and advice Travel - help and advice Business - help and advice Home - help and advice Van - help and advice Landlord - help and advice Healthcare - help and advice FCA announcements - business interruption Make changes to your policy 24/7. If things change at work or at home you can make any necessary changes quickly and easily in your AXA account: Add or remove optional covers such as legal assistance Change personal details or update your contact details Let us know your circumstances have changed Add or remove people on your policy such as drivers or employees Changes may affect the cost of your premiums but you’ll be able to see them instantly online, and decide whether you want to go ahead. Manage your policy Make a claim Working with businesses and communities to support the cause. We’ve partnered with Business in the Community who, in response to the COVID-19 crisis, are helping to match communities in need of help with businesses that can offer support. Find out more Supporting our customers, people and communities. Return to office. 3 July 2020 With Government restrictions easing for many, we continue to remain cautious and the welfare of our people remains a priority for us. Joining forces with others via the C-19 Business Pledge. 12 May 2020 During this difficult time, businesses have a responsibility to support colleagues, customers and wider communities throughout the outbreak and we’re doing everything we can to play our part. #AXASolidarityResponse – join our global challenge. 7 May 2020 Join AXA’s global challenge in the fight against #COVID19. For each post of thanks to healthcare workers across social using #AXASolidarityResponse, unlock €5 to support intensive care units across 60 countries. Helping local communities. Corporate Social Responsibility 21 May 2020 We’ve donated £72,000 to 36 great causes helping the most vulnerable members of society. More information about coronavirus. To keep up to date with the general situation, please read the information the UK Government is sharing with the public. For detailed transport and travel guidance please refer to the UK Government's designated webpage. And consult the NHS website for health advice. We will continue to monitor and update the information as it develops.
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Result 27
TitleCOVID-19 Travel Insurance | Avanti Travel Insurance
Urlhttps://www.avantitravelinsurance.co.uk/covid-travel-insurance
DescriptionCOVID-19 travel insurance. Covid cover included with all new policies. Specialists in covering people with medical conditions. Get a quote today
Date
Organic Position27
H1Travel Insurance for Covid
H2How Covid travel insurance can help leave the worry at home
Before you travel
Flexibility to change details online
We'll cover you for Covid
How Covid Cover can restore peace of mind
What am I covered for with Covid Cover?
Table of benefits
Do I need to have had all of my Covid jabs to be covered?
Ready? Set? Let’s get your travel insurance
H3Cancellation cover
24/7 medical support
You’re in control
Unlimited medical expenses
H2WithAnchorsHow Covid travel insurance can help leave the worry at home
Before you travel
Flexibility to change details online
We'll cover you for Covid
How Covid Cover can restore peace of mind
What am I covered for with Covid Cover?
Table of benefits
Do I need to have had all of my Covid jabs to be covered?
Ready? Set? Let’s get your travel insurance
BodyTravel Insurance for Covid. Get your quote Trustpilot New Year Sale - Save 20% off your base price† Use code: NYS20 at checkout Cancellation cover. Up to £7,500 per person with our Deluxe policy. 24/7 medical support. Practical help when you need it. You’re in control. View and update your policy online in your own time. Unlimited medical expenses. Generous emergency medical cover with our Deluxe policy. How Covid travel insurance can help leave the worry at home. Covid travel insurance can ease the worries and what-ifs you may have when it comes to travel after lockdown. Embrace your next adventure, knowing we’ll be there 24/7 if the unexpected happens and you need a helping hand. We understand that travel might feel different to what we’re used to right now. That’s where we come in. Covid Cover is included with all our new policies, just as long as the FCDO says it’s safe for you to travel. Now, isn’t that what you’d call peace of mind? To make it easier for you to get travelling again, we’ve even teamed up with Randox Health to give you 10% off Covid-19 tests when you buy a new travel insurance policy with us. Before you travel. It’s hard to keep up with the ever-changing travel news at the moment. To make it easier for you to stay up to date, here’s what you need to look out for: FCDO advice for the country you’re travelling to Entry requirements for your destination The current travel list guidelines for what you need to do when you come home Flexibility to change details online. When you buy a policy from us, you can manage it yourself by logging in to your My Avanti account. Here you can: access policy documents update traveller details change your single trip dates (limits apply) renew an annual policy if you have no changes to make and more. If you have questions about Covid-19 and how it affects your holiday plans, visit our Covid-19 help page. We'll cover you for Covid. Travel insurance that covers you against Covid, home and away. We said we’d always be by your side - we meant it. That’s Travel Reassurance. How Covid Cover can restore peace of mind. COVID-19 meant Mrs Bakker1 had no choice but to cut her holiday short. She was insured with a different travel insurance provider at the time and was disappointed how they handled her claim. Thankfully, her sister-in-law recommended us after she had to cancel her own holiday and was impressed with how we managed her claim. Now insured with us, Mrs Bakker can leave her worries at home, knowing she’ll be well protected with personalised cover on her next adventure. After all, if something goes wrong, we always aim to put it right. What am I covered for with Covid Cover? All new travel insurance policies with us include Superior rated coronavirus cover* – and for not a penny more! Buy a new policy from 29 April 2021 and you’ll be covered for: COVID-19 related emergency medical expenses when abroad Cancelling your trip if you are diagnosed with COVID-19 up to 14 days before departure Cancelling your trip if you’re told to self-isolate by the government’s Test & Trace system Cancellation and repatriation cover if you’re denied boarding with a positive test for COVID-19 or a confirmed temperature above 38 degrees Celsius Cancelling your trip if you can’t complete your vaccine course due to other illnesses or have an allergic reaction to the vaccine that would stop you travelling Cancelling or cutting your trip short after hospitalisation or death of a member of your household from COVID-19 Your travelling companion(s), people you live with, or people you’re staying with on holiday being diagnosed with COVID-19 up to 14 days before your departure Repatriation to help you get back home Additional accommodation and transport if deemed necessary by our medical officer Daily benefit if you are ordered to self-isolate in your holiday accommodation if you have COVID-19 It’s important to understand that Covid Cover will only protect you for newly diagnosed cases of coronavirus when abroad. We cannot offer cover if you showed symptoms or were diagnosed with COVID-19 before you arranged your travel insurance policy with us. Table of benefits. EssentialsClassicDeluxeCancellation and cutting your holiday short£1,000£5,000£7,500Medical emergency and repatriation£5 million£10 millionUnlimitedDiscounted COVID-19 tests10% off10% off10% offPersonal baggage£1,000£2,000£3,000Missed departure-£1,000£1,500End Supplier Failure cover-£2,500£2,500Money and passport cover£300£500£600Personal liability£2 million£2 million£2 millionExcess£150£75nil See more cover levels Important Documents Policy Wording Key Facts IPIDs Do I need to have had all of my Covid jabs to be covered? As long as you’ve had all of the Covid-19 vaccines you’ve been offered, you should be covered. If you haven’t been offered some doses yet or you’re medically exempt then you can also be covered. If you’ve refused any doses of the vaccine or haven’t been able to have a dose you’ve been offered, you won’t be covered. Trustpilot Ready? Set? Let’s get your travel insurance. Talk to us today on 0800 888 6195, or you can get a quote online. Get your quote By using Avanti, you consent to cookies that make your browsing experience better.
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Result 28
TitleSchengen Travel Visa Insurance – Europe Travel Insurance
Urlhttps://www.schengenvisainfo.com/schengen-visa-insurance/
DescriptionLearn more about Schengen visa insurance requirements. Get your travel insurance Certificate online in minutes. Accepted by all EU consulates
Date
Organic Position28
H1Schengen Travel Visa Insurance – Europe Travel Insurance
H2Schengen Visa Insurance Requirements
Travel Insurance Is a Must When Applying for a Schengen Visa
Who Must Purchase Travel Health Insurance for Europe?
Who Provides Schengen Travel Insurance?
How Much Does Schengen Insurance Cost?
Travel Insurance for Seniors Travelling to Europe
Coronavirus & Travel Insurance Restrictions
Do Schengen Visa Insurance Plans Cover COVID-19?
Helpful Tips About Europe Visa Insurance
What Does Europe Travel Health Insurance Policy Usually Cover?
Should Travel Visa Insurance Policy Cover All Schengen Area Countries?
What Is Presumably Excluded or Optional In a Common Schengen Insurance Policy?
How To Find Cheap Travel Visa Insurance for Europe?
Why Do We Suggest You Choose Axa, Mondialcare or Europ Assistance as Your Travel Insurance Partner When Travelling to Europe?
What is travel health insurance?
What are the common restrictions and limitations?
How do I book Schengen travel visa insurance from the USA or UK?
H3What if the embassy asks for a Schengen insurance certificate with COVID protection?
Can I extend my European travel health insurance if I need to prolong my trip due to COVID-19 travel restrictions?
If I need to prolong my trip due to a closure of the airport or due to official travel restrictions, can I extend my European travel health insurance?
Which nationals are required to purchase travel insurance for a Schengen visa?
Is travel health insurance mandatory for visa-free third-country nationals entering the Schengen Area?
Should we choose travel insurance with a 0 EUR deductible?
More Europe Travel Insurance Guides
H2WithAnchorsSchengen Visa Insurance Requirements
Travel Insurance Is a Must When Applying for a Schengen Visa
Who Must Purchase Travel Health Insurance for Europe?
Who Provides Schengen Travel Insurance?
How Much Does Schengen Insurance Cost?
Travel Insurance for Seniors Travelling to Europe
Coronavirus & Travel Insurance Restrictions
Do Schengen Visa Insurance Plans Cover COVID-19?
Helpful Tips About Europe Visa Insurance
What Does Europe Travel Health Insurance Policy Usually Cover?
Should Travel Visa Insurance Policy Cover All Schengen Area Countries?
What Is Presumably Excluded or Optional In a Common Schengen Insurance Policy?
How To Find Cheap Travel Visa Insurance for Europe?
Why Do We Suggest You Choose Axa, Mondialcare or Europ Assistance as Your Travel Insurance Partner When Travelling to Europe?
What is travel health insurance?
What are the common restrictions and limitations?
How do I book Schengen travel visa insurance from the USA or UK?
BodySchengen Travel Visa Insurance – Europe Travel InsuranceWhen visiting Europe, travellers should be able to handle and financially cover medical services in case of an accident, injury or any other sudden event.To take care of unexpected expenses that arise while travelling, having travel insurance has been proven to help travellers with financial support and comfort to continue their travel journey without worries.Schengen Visa Insurance Requirements. Medical insurance for a Schengen visa must meet the following criteria:A minimum coverage of at least 30,000 EUR (equivalent to 35,290 USD as of August 2021).It should cover all member states of the Schengen Area.Cover any expenses which might arise in connection with repatriation for medical reasons, urgent health attention and/or emergency hospital treatment or death.Travel insurance companies AXA and Europ Assistance provide the mandatory insurance certificate required when applying for a Schengen visa.Even though travel health insurance is worth having for all travellers to Europe, not everyone is required to have it. A travel insurance policy is a mandatory requirement only for travellers who need to apply for a Schengen visa. This group of travellers is always required to have the needed coverage for the entire period of their stay in Europe, regardless if they go there for business, tourism, studying, holidays, or for other reasons.Foreign travellers visiting Europe who enjoys visa-free travel to the Schengen zone can get their preferred travel insurance policy if they want to and while it is highly recommended – they are not required to.Travel insurance plans Schengen Plus from Europ Assistance and Europe Travel from AXA not only provide the mandatory insurance certificate needed for a Schengen visa but, also offer extended coverage wherever you travel in the Schengen area or in the EU. The countries covered include the Schengen area, plus EU countries: Bulgaria, Romania, Croatia, Cyprus and Ireland.Travel Insurance Is a Must When Applying for a Schengen Visa. Extract from “Regulation (EC) No 810/2009 of the European Parliament and of the Council of 13 July 2009”, which entered into force on April 5 of 2010:“… Applicants for a uniform visa for one or two entries shall prove that they are in possession of adequate and valid travel medical insurance to cover any expenses which might arise in connection with repatriation for medical reasons, urgent medical attention and/or emergency hospital treatment or death, during their stay(s) on the territory of the Member States. The insurance shall be valid throughout the territory of the Schengen Area Member States and cover the entire period of the person’s intended stay or transit. The minimum coverage shall be EUR 30,000” (…)Who Must Purchase Travel Health Insurance for Europe?Anyone travelling temporarily to Europe from a country that is subject to visa requirements, be it individual visitors or group visitors, tourists, or business travellers.The Europe travel health insurance policy can easily be purchased online from AXA or Europ Assistance at a very low cost.Who Provides Schengen Travel Insurance?First and foremost, the health insurance policy that you might already possess through your employment contract might cover international medical emergency expenses, however, there are usually limitations to this what is covered. Therefore, one shall be well aware of what to expect and what not to expect when having a medical issue in Schengen territory.Usually, travellers purchase an individual Schengen travel insurance policy for the days planned to spend in Europe at the rightful insurance provider.Make sure the company you choose is licensed and accepted in the Schengen country you are planning to travel to.We recommend buying Schengen visa insurance from AXA or Europ Assistance. All these companies are accepted by European Embassies and Consulates worldwide. You can also cancel it free of charge if you present proof that your visa has been rejected.How Much Does Schengen Insurance Cost?The cost of Schengen travel insurance varies from company to company. Here are the premiums from AXA Schengen.Duration of travelAXA Low Cost (Schengen area only) AXA Europe Travel (Extended protection, Schengen + EU countries) up to 8 days20 €30 €up to 15 days36 €55 €up to 31 days56 €74 €up to 45 days65 €103 €up to 62 days73 €117 €up to 90 days89 €152 €up to 180 days168 €271 €Find out moreFind out moreFor more information about choosing the best Schengen insurance plan for your needs, please visit the AXA website or Europ Assistance.Travel Insurance for Seniors Travelling to Europe. If you are looking to buy travel insurance for seniors, read our article “Travel Insurance for Senior Citizens & Pensioners Travelling to Europe“.Coronavirus & Travel Insurance Restrictions. The World Health Organization (WHO) on March 11, 2020, declared COVID-19 a pandemic.Do Schengen Visa Insurance Plans Cover COVID-19?Yes, some Schengen insurance policies cover COVID-related illness, provided that when you travel, you respect the laws and regulations of your country’s government and the World Health Organization (WHO). COVID-19 insurance covers the following:Health emergencies related to COVID-19, including medical treatment, medication, and hospitalization.PCR test (sometimes).Expenses related to quarantine requirements, such as accommodation, are not covered.The amount of COVID insurance coverage depends on the specific policy. For example, AXA Schengen covers your medical and repatriation costs if you fall ill with COVID-19 and “related illnesses”, whereas MondialCare covers all medical consequences of contracting COVID-19 as well a positive PCR test (but not a negative one).Some insurance companies, on the other hand, do not cover any expenses related to epidemics or pandemics, including COVID-19, under any circumstances.Whether an insurance company covers COVID will be stated in their policy features and terms and conditions, so make sure you read the fine print well.What if the embassy asks for a Schengen insurance certificate with COVID protection?If your insurance policy includes Schengen protection, then it should state so on the certificate. If your insurance certificate does not explicitly state that you have COVID protection, you could ask your insurer to provide you with one that does.Can I extend my European travel health insurance if I need to prolong my trip due to COVID-19 travel restrictions?If your trip in Europe is extended due to COVID travel bans, and your travel insurance is about to expire, you can purchase a new insurance policy or renew your existing one. You will, of course, have to pay an additional charge. Check with your travel insurance company regarding their rules on the extension or renewal of a policy.If I need to prolong my trip due to a closure of the airport or due to official travel restrictions, can I extend my European travel health insurance?Each travel insurance company applies its own rules. Get in touch with their customer service/support team to know the details. It should be possible to either get a refund for your current policy or being able to extend your current travel policy.Helpful Tips About Europe Visa Insurance. As aforementioned, before purchasing another travel insurance policy for your upcoming travel to Europe make sure that the one you already have doesn’t cover or alleviate any international health emergency costs.In case your policy does cover some international medical costs carefully check the restrictions and limitations to the travel insurance policy.If you are travelling by car in the Schengen region and cannot afford to pay crazy amounts of money in case of an unpredictable car accident – or simply you are not willing to give all that money away, you should consider purchasing combined travel insurance including health matters as well as valuable possessions.Depending on the travel destination the risk of illness varies with the changes in the climate or the natural habitat (unfamiliar microbe residents). It’s highly recommended for people with preexisting conditions like allergies, for example, to carry their medical file from their personal physician describing the condition and the drugs prescribed to maintain it. In case one has a chronic disease, again, it’s smart to be carrying the prescribed drugs in the amount needed for the days spent travelling in Europe.What Does Europe Travel Health Insurance Policy Usually Cover?A good travel insurance policy for Europe should cover the following costs:Medical emergency (accident or sickness) while in the Schengen AreaEmergency evacuationRepatriation of remainsReturn of a minorTrip cancellationTrip interruptionAccidental death, injury or disablement benefitOverseas funeral expensesLost, stolen or damaged baggage, personal effects or travel documentsDelayed baggage (and emergency replacement of essential items)Flight connection missed due to airline schedule crashTravel delays due to weatherHijackingUsually, the insurers cover pregnancy-related expenses, if the travel occurs during the first trimester. After that, insurance coverage varies from insurer to insurer.Travel Medical Insurance policies for travelling to Europe that fulfil Schengen Visa requirements can be purchased online directly on AXA website, MondialCare or Europ Assistance.Should Travel Visa Insurance Policy Cover All Schengen Area Countries?Yes, travel health insurance policy should cover all member states: Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden and Switzerland.What Is Presumably Excluded or Optional In a Common Schengen Insurance Policy?Every travel insurance company is different; however, there are ones that offer to cover additional costs if necessary. If not, additional insurance must be purchased to cover explicit costs like:Preexisting conditions (e.g. Asthma, diabetes)Sports with an element of risk (e.g. skiing, scuba diving)Travel to high-risk countries (e.g. Due to war, natural disasters or acts of terrorism)Acute onset of pre-existing conditions – It means a sudden and unexpected occurrence of pre-existing medical conditions without any prior warning from a health care professional. If you have pre-existing conditions, make sure to get this coverage to protect you against any emergency situation that arises due to pre-existing conditions in spite of taking care.How To Find Cheap Travel Visa Insurance for Europe?Finding the right cheap travel visa insurance for Europe calls for individual and more in-depth research. This means having to search online on your own for the appropriate travel insurance policy. It is recommended that you make a comparison of products and companies before you decide which company has the cheapest and the best travel insurance for the Schengen visa.Something not to be confused about is the price, as not all low-cost travel insurance policies contain low-quality services and not all expensive insurance plans have a high-quality offer. That is why, the safest way to properly choose amongst boundless offers of travel insurance companies, is by choosing not the cheapest travel insurance, but the policy which covers all the areas as required by the Schengen visa application requirements.Why Do We Suggest You Choose Axa, Mondialcare or Europ Assistance as Your Travel Insurance Partner When Travelling to Europe?All these companies are top leaders in the travel insurance industryThey meet all Schengen visa requirementsIdeal forVisitors or guests (visitor visa)Business travellers (business visa)Tourists (tourist visa)Group visitors (visitor visa for travel groups)Immediately download your Insurance Certificate / LetterReimbursement in case of visa refusal (free of charge subject to presentation of proof that a visa has been refused)Getting your travel visa insurance from Europ Assistance, AXA Assistance or MondialCare will allow you to fully enjoy your travel to the Schengen Area and Europe with peace of mind.Which nationals are required to purchase travel insurance for a Schengen visa?Nationals and passport holders of any of the following countries are required to buy travel insurance in order to be able to apply for a Schengen visa.AfghanistanGabonOmanAlgeriaGambiaPakistanAngolaGhanaPapua New GuineaArmeniaGuineaPalestinian AuthorityAzerbaijanGuinea-BissauPhilippinesBahrainGuyanaQatarBangladeshHaitiRussiaBelarusIndiaRwandaBelizeIndonesiaSao Tome And PrincipeBeninIranSaudi ArabiaBhutanIraqSenegalBoliviaJamaicaSierra LeoneBotswanaJordanSomaliaBurkina FasoKazakhstanSouth AfricaBurma/MyanmarKenyaSouth SudanBurundiKosovoSri LankaCambodiaKuwaitSudanCameroonKyrgyzstanSurinameCape VerdeLaosSwazilandCentral African RepublicLebanonSyriaChadLesothoTajikistanChinaLiberiaTanzaniaComorosLibyaThailandCongoMadagascarTimor-LesteCote D’ivoireMalawiTogoCubaMaldivesTongaDem. Rep. Of CongoMaliTunisiaDjiboutiMauritaniaTurkeyDominican RepublicMongoliaTurkmenistanEcuadorMoroccoUgandaEgyptMozambiqueUzbekistanEquatorial GuineaNamibiaVietnamEritreaNepalYemenEthiopiaNigerZambiaFijiNigeriaZimbabweNorth KoreaNorthern Mariana’sBuy now the required medical travel insurance protection for your Schengen Visa at a very low cost from Europ Assistance, AXA Schengen or MondialCare.What is travel health insurance?The concept of travel health insurance relates to cover your medical expenses in case of an injury or unexpected sickness that arises during your trip. In case you are wondering if you need health insurance when travelling to a foreign country depends on the desired destination as well as the ability to personally cover any health care needs during the stay out in a certain foreign country.However, travel insurance is a must for most people, especially the elderly, people who have predetermined medical conditions and are bound to constant therapy or most importantly if the traveller’s destination happens to be an underdeveloped region.Apart from medical expenses, travel insurance is destined to cover different losses suffered during the trip, including one’s own country as well as internationally. Unexpected happenings like lost luggage, cancellation of your flight at the last moment, travel agency or accommodation bankruptcy will most definitely ruin your trip. Therefore, a travel insurance policy is designed to provide also cancellation insurance by means of a full or partial refund.Whether you are travelling once or several times during a short period of time, the travel insurance policy will match and cover the exact number of the days spent in the international territory, in this case, the Schengen territory, the price ranging accordingly.What are the common restrictions and limitations?As previously mentioned there are travel insurance companies that don’t provide coverage for a preexisting condition internationally. In case you have a condition prior to your departure to Europe, you’ve consulted a doctor and are already on treatment and you’ve decided to travel out of the country, in this case, you are not prone to any medical cost alleviations via your insurer. However, if one is proclaimed fit to travel having the condition under control, most commonly the travel insurance is ought to cover an unexpected emergency related to the condition when travelling in an international domain, an acute onset of the preexisting condition.Sports – Participation in high-risk activities such as extreme sports e.g., scuba diving, skydiving, etc., can be excluded.War – Policies may exclude coverage for injuries caused by war when travelling to an endangered war zone.Duration – Many policies specify a time limit for coverage (e.g., 60 days) and the costs differ accordingly.Suicide in an international or domestic domain is excluded from any insurance policy as well as self-inflicted injuries.In the case of any substance abuse, drugs or alcohol, domestic or international the medical expenses won’t be covered by your insurance policy.Is travel health insurance mandatory for visa-free third-country nationals entering the Schengen Area?Travel medical insurance is not mandatory for visa-free third-country nationals. Nonetheless, it is highly recommended to get one in case of travel to the Schengen countries.You can buy medical travel insurance protection for Europe at a very low cost from MondialCare, Europ Assistance or AXA Schengen.How do I book Schengen travel visa insurance from the USA or UK?If you are applying for a Schengen visa in the USA or UK, you can book travel insurance online directly from MondialCare, Europ Assistance or AXA.Once you purchase your Europe visa insurance policy, you will be able to download the insurance policy letter that has to be submitted with the Schengen visa application.For more information about European visa requirements and the application process for US, UK, Canadian and Australian residents, please read the following articles:How to apply for a visa to Europe from the UKHow to apply for a visa to Europe from the USAHow to apply for a visa to Europe from CanadaHow to apply for a visa to Europe from AustraliaShould we choose travel insurance with a 0 EUR deductible?It is not a strict requirement to get a Schengen travel visa insurance with 0 EUR deductible, however, we strongly suggest that you get one without a deductible.More Europe Travel Insurance Guides. France Travel Insurance Guide, Spain Travel Insurance Guide, Germany Travel Insurance Guide, Italy Travel Insurance Guide, Switzerland Travel Insurance Guide, Travel Insurance by Europ Assistance, AXA Schengen Insurance, Travel Insurance from the UK HomeSchengen AgreementSchengen CountriesWho needs a Schengen Visa?Schengen Visa Types & ValidityTourist VisaVisitor VisaBusiness VisaTransit VisaStudent VisaVisa for Cultural / Sports / Religious EventVisa for Official VisitsWorking VisaMedical VisaVisa Application RequirementsAustria VisaBelgium VisaDenmark VisaEstonia VisaFinland VisaFrance VisaGermany VisaGreece VisaHungary VisaIceland VisaItaly VisaLatvia VisaLithuania VisaMalta VisaNorway VisaPoland VisaPortugal VisaSlovakia VisaSlovenia VisaSpain VisaSweden VisaSwitzerland VisaThe Czech Republic VisaThe Netherlands VisaHow to Apply for a Schengen Visa?Schengen Visa InsuranceSchengen Visa FeesETIASEU Latest NewsEU Travel RestrictionsSchengen Visa StatisticsPrivacy PolicyCookie PolicyTerms and Conditions & Legal DisclaimerAbout UsImprintCopyright © 2013 - 2021 SchengenVisaInfo.com. All Rights Reserved.
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Result 29
TitleHow Is the Coronavirus Affecting Life Insurance? - ValuePenguin
Urlhttps://www.valuepenguin.com/life-insurance-coronavirus-faq
DescriptionIf COVID-19 has you wondering whether to get a life insurance policy or request assistance on your premium payments, there are a number of options to consider
Date
Organic Position29
H1How Is the Coronavirus Affecting Life Insurance?
H2Does life insurance cover COVID-19?
Has COVID-19 made it harder to get a new life insurance policy?
What steps have life insurance companies taken in response to the coronavirus?
Will COVID-19 have an impact on life insurance requirements in the long term?
Does the current coronavirus pandemic make it more important to have life insurance?
H3Find Cheap Life Insurance Quotes in Your Area
Life Insurance Policies
Life Insurer Reviews
Life Insurance Basics & Resources
H2WithAnchorsDoes life insurance cover COVID-19?
Has COVID-19 made it harder to get a new life insurance policy?
What steps have life insurance companies taken in response to the coronavirus?
Will COVID-19 have an impact on life insurance requirements in the long term?
Does the current coronavirus pandemic make it more important to have life insurance?
BodyHow Is the Coronavirus Affecting Life Insurance? How Is the Coronavirus Affecting Life Insurance? by Sterling Price updated Dec 8, 2021 As the coronavirus pandemic continues to threaten the health of people in almost every community on the planet, it's natural for more people to consider the relevance of life insurance in the current situation. Does coverage apply to a death caused by COVID-19? Has life insurance gotten more expensive? Should I apply for life