Best Covid-19 Travel Insurance Policies Of 2022

This competitively-priced policy will pay out if you need to cancel your trip due to you or anyone insured on the policy contracting Covid within 14 days of your planned departure date. And it will pay out up to £4,000 in cancellation fees against an affordable excess of £99.

During your trip, you’ll be covered for the cost of emergency Covid-related medical treatment should you contract the virus. Note however, this is only where you are up-to-date with all Covid vaccination requirements (unless your medical records show you are not eligible or exempt).

If you need to cut short your trip due to Covid and return home to the UK, you’ll also remain fully insured.

The policy stands if you decide to go ahead with your trip against FCDO advice. However, only to the parts of Europe stated in the policy document, and only if FCDO advice against travel is related solely to Covid.

Read the policy’s full terms and conditions.

This policy covers trips to specified locations, where the FCDO has advised against all or all but essential travel if the sole reason is Covid. And if you must cancel your trip due to you or a travelling companion contracting the virus within 14 days of departure, you are still covered.

If there’s no advice from the FCDO against travel on departure, but this changes while you’re away and you are not instructed to return home, Covid cover also still applies.

You’ll get the standard cover for medical treatment for Covid while you’re away, too.

And, albeit unlikely, this is also one of few policies that you can claim on if your airline goes bust due to the virus. Bear in mind that similar protection is available via your credit card, even if you only used it to pay for the deposit for your holiday.

A generous £5,000 is provided for cancellation on this policy, and there’s an excess of a minimal £50 to pay should you claim.

Read the policy’s full terms and conditions.

This policy pays out for cancellation if you or a travel companion falls ill with Covid, or a family member is hospitalised or dies from the virus before the start of your trip.

It includes £15 million for emergency treatment and arrangements to get you back home and £3,000 for cancellation or curtailment – the latter of which also applies to unused excursion costs if you’re ordered to self-isolate while abroad, and the costs associated with cutting your trip short should a relative die from the virus while you’re away.

The policy also provides cover if you are denied boarding on departure, due to detected Covid symptoms. But under no circumstances will this policy cover you if you travel against the FCDO’s advice.

A £99 excess is levied on eligible claims.

Read the policy’s full terms and conditions.

As well as covering emergency medical treatment for Covid whilst on your trip, this policy will pay up to £5,000 in cancellation cover if you contract the virus.

You’ll be protected up until the last minute as this policy covers the event of being denied boarding at the airport (or cruise terminal) due to detected Covid symptoms.

If you are due to stay with a family member or friend on your trip, who has contracted the virus, you will also be covered to cancel. And, while arguably less of a risk, the policy will pay out if the airline or tour operator goes bust as a result of Covid.

However, there is no cover if you are travelling against FCDO advice.

The excess is joint cheapest on our list at £50.

Read the policy’s full terms and conditions.

Whether you need to cancel your trip, or cut it short, due to contracting Covid, this policy has you covered. That’s in addition to covering medical and repatriation fees incurred, if you fall ill while away.

The cover is invalidated if you travel against FCDO advice. However, if FCDO advice for your destination changes during your trip and you are not officially instructed to return home, cover will continue.

You can claim in the increasingly unlikely event your operator or airline goes into administration due to the virus, though similar protection is attached to your credit card, even if you only used it to pay the deposit for your holiday.

Up to £5,000 for trip cancellation is included in this policy. An excess of £75 applies to eligible claims.

Read the policy’s full terms and conditions.

Take out this policy, and you will be covered for emergency treatment while away and trip cancellation if you contract Covid before your departure date. It also allows you to claim for cancellation if an immediate relative is hospitalised or dies from Covid, or someone you were planning to stay with while away, dies from Covid.

While cover also extends to cancellation due to a travel companion dying from the virus, you will not be covered if they fall ill from Covid before departure. However, you can claim if they contract the virus while on holiday, causing you to cut your trip short.

This policy does not cover any form of travel against the FCDO’s advice. Up to £3,000 is provided for cancellation, and a £95 excess is payable on claims.

Read the policy’s full terms and conditions.

Underwritten by AXA, this policy is pretty Covid-comprehensive.

For little over £33, it provides cover if you contract Covid, or if a family member you were due to stay with while away falls ill from the virus, and needs to self-isolate, causing you to cancel your holiday.

This is in addition to covering the cost of emergency Covid-related medical treatment whilst at your destination, as well as your operator or airline going bust due to the virus. If you used a credit card to pay for even a deposit on your holiday, you will find it provides similar protection.

Unlike many travel insurance policies, this one also offers cover if you are denied boarding at the airport (or cruise terminal) due to detected Covid symptoms.

While the policy will not be valid if there is FCDO advice in place against travel to the country when you make your booking, if it changes during your stay you can continue your holiday fully insured (providing you have not been officially required to return to the UK).

The policy offers a low excess of £50 should you need to make a claim, and includes up to £3,000 in cancellation costs.

Read the policy’s full terms and conditions.

This policy covers you if you are unable to travel due to contracting Covid.

So long as there was no Covid-related FCDO advice in place against the destination at the point you left, you will be covered for Covid medical claims – even if advice changes once you have arrived.

If you choose to travel against FCDO advice, you will remain covered but only for losses outside of reasons related to the travel advice. For example, if the advice was Covid-related and you travelled anyway, you would not be covered for Covid.

Accepted reasons for cutting your holiday short include boarding being denied due to you showing symptoms of Covid, and the death of a relative from the virus.

If you need to make a claim, the policy comes with a low £50 excess.

Read the full policy’s full terms and conditions.

As well as cancellation cover prior to your trip and medical cover while you are away for Covid-related emergencies, this policy will pay out if the operator or airline goes bust due to the virus. That said, risks of that are arguably diminishing while paying even just the deposit by credit card offers similar protection.

You’ll also be covered if you need to cut short your trip due to contracting Covid after you’ve arrived.

*While the policy will not be valid if you travel against FCDO advice, if advice on the destination changes while you are away, you will be covered if you wish to continue your trip as planned (so long as you have not been officially advised to return home).

The policy offers up to £10m medical cover, £3,000 for baggage cover and £3,000 cover for cancellation. The excess, if you need to make a claim, is £75.

Read the policy’s full terms and conditions.

This policy will pay out if you or anyone insured on the policy is unable to go on your trip due to contracting Covid.

It will also cover Covid-related medical expenses once at your destination, and associated costs should you need to extend your trip to self-isolate, or if you need to cut your trip short due to the death of a family member from Covid.

It offers £3,000 for cancellation while the excess, if you need to make a claim, is £95.

Read the policy’s full terms and conditions.