Our insurance can cover you to travel provided the Foreign, Commonwealth and Development Office (FCDO) is not advising against all, or all but essential travel to your destination and it is not on the red list.
All customers must follow the advice of the FCDO at the time of travel and for the duration of their trip. This includes returning to the UK if the FCDO changes their travel advice based on the risks presented at the time. https://www.gov.uk/foreign-travel-advice
Our policies provide cover for:
Emergency medical treatment and repatriation, when medically necessary, if you contract COVID-19 whilst abroad.
Cover for additional accommodation & transport costs if you are told to isolate abroad (limits apply) due to contracting Covid-19.
Cancellation if you are unable to travel because you contracted COVID-19 within 14 days of your departure date. This includes a positive pre-travel test. (Policies purchased on or after 16 October 2020 only).
There is no cover under any other section of the policy for anything caused by or relating to Covid- 19/Coronavirus/SARs-COV-2, any mutation of Covid-19/Coronavirus/SARs-COV-2 or any pandemic or fear or threat of any of the above.
Our policies will not provide cover if:
You are breaking regional or national lock down laws.
You travel to a destination where the Foreign, Commonwealth and Development Office (FCDO) is advising against all, or all but essential travel.
You travel to a destination which is on the government’s red list.
Our policies do not provide cover for:
Cancellation caused by a change to; FCDO travel advice, a country’s traffic light classification, or the rules on international travel, due to COVID-19 or any other pandemic.
Cancellation if your travel provider cancels or postpones your trip.
Cancellation if you have to self-isolated due to COVID-19
Denied entry to the country or territory you are travelling to.
Having to quarantine or isolate when you return to the UK (this includes hotel quarantine costs).
Having to purchase Covid-19 tests.
Schools Travel Insurance Q&As
We have shown below some common questions with our answers. This is not an exhaustive list and should you have a question not answered here please ask us a question using the link below. Please be aware that the policy wording together with the certificate
or schedule is the basis of the insurance contract which you should check when received.
Yes, if you choose the Wintersports option, which provides cover for Emergency medical and also include Ski Pack and Piste Closure. If you only choose Category C which also includes wintersports, this will only cover emergency medical whilst partaking
No cover for ski race training and racing or any competitive wintersports
On piste only. If you want off piste with a guide/instructor in recognised resort area, you must also choose Category C for additional emergency medical cover for that activity
If skiing in France and Switzerland (border on the mountain), must choose Europe 2 option, as Switzerland isn't in Option 1
There is cover for the insured person 18 years of age or under for pre-existing conditions, if traveling in UK and Europe
No cover for pre-existing medical conditions if aged 19 or over
There is no cover under the policy if the insured person 18 years of age or under travelling outside of Europe and has ever had any of the following conditions:
heart or circulatory related problem
stroke
cancer
any breathing problems
diabetes
irritable bowel disease
any health condition which has been treated in hospital or has been referred to a specialist in the last 6 month
There a three Activity Categories, A, B and C. Option A is covered as Standard.
Please obtain a quote to view the list of Activities under the 'Options' section