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COVID-19 (Coronavirus) Travel Cover

We’re just like you, so we understand your concerns about how COVID-19 could impact your travel plans, which is why on top of our current COVID-19 cover we are also offering an additional cover that you can opt to add on when you get a quote with us.

While our standard policies offer protection for specific issues relating to COVID-19, including cancellation, curtailment, medical and repatriation expenses, we’ve gone one step further with our enhanced COVID-19 PROTECT add on, which offers even greater levels of cover for even greater peace of mind for those travelling to Europe.

What Does COVID-19 PROTECT Cover?

We strive to provide the flexibility to allow you to tailor your policy perfectly to your needs. That way you can travel confidently knowing your policy will be there for you when you need it most.

In line with this you now have the option to add COVID-19 PROTECT cover which specifically insures you on your travels in Europe against a wider range of issues that could arise in relation to COVID-19. For example:

  1. You’ll be protected should you choose to travel against the advice of the Foreign, Commonwealth and Development Office (FCDO) as long as the advice is against all but essential travel solely as a result of COVID-19.
  2. If you are contacted by the UK Government’s Test and Trace service and have to self-isolate meaning you miss your pre-booked outward journey, you will be able to make claim for cancellation.
  3. After having your COVID-19 vaccination, if you should experience an adverse reaction within 14 days of your departure date and have been advised you’re not fit to travel, you would be protected if you take out this cover.

To see the complete terms and conditions of this cover please click here and read pages 83-84

You’ll also find below our dedicated COVID-19 FAQs which aim to clarify the key questions about what our policies do and don’t cover in relation to COVID-19.

But as always, if you need any help our team is available either by calling 0333 320 1240 or by using our contact form you can find here

FAQs

As we offer enhanced cover in the form of our COVID-19 PROTECT add on, the cover offered by our standard cover does differ and it’s important to be aware of these differences when buying your policy to ensure you get the right cover for your needs.

We've laid out some frequently asked questions relating to COVID-19 below, but if you have any questions please get in touch.

If the FCDO advises against travel what cover does your policy provide?

Standard Cover:

Our standard cover does not provide cover for any issue that may arise, and any subsequent claim will be rejected, where the FCDO has advised against all travel or non-essential travel to a particular country, island(s) or region, and you decide to travel anyway. If you believe your travel is essential, please email us at travel.sales@start-travel.uk so we can determine if your policy can cover you. If you do not contact us and travel anyway your policy will not cover you for any issue that may arise, and any subsequent claim under any section of the cover in the policy will be rejected.

COVID-19 PROTECT:

If you take out our COVID-19 PROTECT add on at the time you purchase your policy, and should you choose to travel to a European destination against the advice of the FCDO, your cover will be unaffected as long as the FCDO advice is against all but essential travel solely as a result of COVID-19.

What European countries will COVID-19 protect cover me for?

Unfortunately, we are unable to provide COVID-19 PROTECT cover for destinations outside of Europe. If you purchase a Single Trip policy for a country outside of Europe you will not be offered this cover. If you take out a Single Trip or Annual Multi Trip Policy and you purchase our COVID-19 PROTECT add on, you will be covered in the following countries only:

Albania, Andorra, Armenia, Austria, Azerbaijan, the Azores, Belarus, Belgium, Bosnia Herzegovina, Bulgaria, the Channel Islands, Croatia, Cyprus, the Czech Republic, Denmark, Egypt, Estonia, the Faroe Islands, Finland (including Lapland), France, Germany, Gibraltar, Greece (including the Greek Islands), Hungary, Iceland, Ireland (Republic), the Isle of Man, Israel, Italy, Kosovo, Latvia, Liechtenstein, Lithuania, Luxembourg, Madeira, Malta, Moldova, Monaco, Montenegro, Morocco, the Netherlands, North Macedonia, Norway, Poland, Portugal, Romania, the Russian Federation, San Marino, Serbia, Slovakia, Slovenia, Spain (including the Balearic Islands and the Canary Islands), Sweden, Switzerland, Tunisia, Turkey, Ukraine, the United Kingdom and the Vatican City.

Am I covered if I’m contacted by the Government’s test and trace and this means I can’t travel as planned?

Under our standard cover this wouldn’t be covered. However, with our COVID-19 PROTECT add on, should you be contacted due to the probability of you having contracted COVID-19 and are required to self-isolate for a period of time that prevents you from travelling as planned to a European destination, you will be able to make a claim for cancellation.

What cover is available if I suffer an adverse reaction to a COVID-19 vaccine prior to travel?

With our COVID-19 PROTECT add on, should you experience an adverse reaction to a COVID-19 vaccine in the two weeks before your scheduled departure date and are advised that you are no longer fit to travel by a medical practitioner, you will be able to make a claim for cancellation should your destination be in Europe. However, this is not the case under the standard cover provided by our policy.

I'm unable to complete my COVID-19 vaccination course and this means I can’t travel. Am I covered?

Under the COVID-19 PROTECT add on only, if you or your travelling companion are unable to complete your COVID-19 vaccination course before your scheduled departure date due to suffering an unforeseen illness you may make a claim for cancellation. This only applies if you have the taken out the additional cover at the time of buying your Start Travel policy and isn’t covered as standard.

Am I covered if I have to cancel my travel plans due to having to isolate following a positive test for COVID-19?

As part of our standard cover provided by our policy if you, a relative, a member of your household or travelling companion or friend with whom you had arranged to stay with has a positive diagnosis of COVID-19, certified by a medical practitioner, within 14 days of your booked departure, each insured person will be covered for cancellation costs up to the sum shown in the table of benefits.

Am I covered if someone in my family tests positive for covid-19 and I have to cancel my travel arrangements due to having to isolate?

If you, a relative, a member of your household or travelling companion or friend with whom you had arranged to stay with has a positive diagnosis of COVID-19, certified by a medical practitioner, within 14 days of your booked departure, each insured person will be covered for cancellation costs up to the sum shown in the table of benefits. This is included as part of our standard policy cover.

What cover is there if I test positive for covid-19 while I'm on holiday?

If you test positive whilst on holiday you will be covered for emergency medical treatment and repatriation if necessary. You will also be covered for additional travel and accommodation (room only) if you need to extend your stay until you are fit to return to the UK. This is included as part of our standard cover.

Will my medical expenses be covered if I fall ill with covid-19 while I'm on holiday and need to seek medical assistance?

You will be covered for emergency medical treatment and repatriation if you contract COVID-19 while abroad. This is included as part of our standard cover.

Am I covered if I’m travelling for business?

Your policy may cover you for permitted business travel (see government advice on permitted travel as this is subject to ongoing review and may be different depending on where you live). A business trip can be defined as a journey specifically taken for work purposes and doesn't include daily commutes, leisure trips or holidays. Please email us at travel.sales@start-travel.uk to confirm that your cover is still valid.

Am I covered if my travel is deemed essential?

Advice from the Foreign Commonwealth & Development Office (FCDO) with respect to specific countries and regions may refer to "advice against all but essential travel". The FCDO however does not define what is Essential travel. If the FCDO advises against all travel or non-essential travel to a particular country, island(s) or region, and you decide to travel anyway, this policy will not cover you for any issue that may arise, and any subsequent claim will be rejected. If you believe you travel is essential, please email us at travel.sales@start-travel.uk so we can determine if your policy can cover you. If you do not contact us and travel anyway your policy will not cover you for any issue that may arise, and any subsequent claim under any section of cover in the policy will be rejected.

If you have purchased our Enhanced COVID-19 PROTECT add on you will be covered if you travel against the advice of the FCDO, provided that advice is against all but essential travel because of COVID-19. If however the FCDO advice is in respect of any other reason other than COVID-19 then this policy will not cover you for any issue that may arise.

Am I covered if I have to cancel my travel plans because national lockdown/tier restrictions mean I can no longer take my trip?

You are not covered under your insurance policy, or the COVID-19 Protect add on if national lockdowns or tier restrictions cause you to cancel your trip. If you are due to travel during the period of lockdown then you should seek a refund from the airline, tour operator, travel agency or carrier you booked with.

I've chosen not to have a covid-19 vaccination. Does this effect my cover in any way?

This does not impact the cover provided by our standard policy. However, if you take out our COVID-19 PROTECT add on and you contract COVID-19 and you have not had the recommended vaccination(s) you may not be covered and this may impact your ability to make a claim (consideration will be given where you were medically unable to have the vaccination, and this is shown in your medical records).

Do I need to have had the total amount of recommended vaccinations before travel to be covered by COVID-19 PROTECT?

You must complete your course of vaccinations as recommended by your medical Practitioner unless a medical condition determines otherwise in which case you should contact us to see if cover can be provided.

Where can I get more information about travel and the coronavirus?

www.gov.uk/foreign-travel-advice

www.legislation.gov.uk/ukdsi/2018/9780111168479/contents

www.who.int/emergencies/diseases/novel-coronavirus-2019/travel-advice

travelhealthpro.org.uk/news/499/novel-coronavirus-covid-19-general-advice-for-travellers


starttravel.co.uk is arranged and administered by Taurus Insurance Services Limited, www.taurus.gi, and is underwritten by Great Lakes Insurance SE.

starttravel.co.uk is a trading style of Call Assist Limited which is authorised and regulated by the Financial Conduct Authority, Firm Registration Number 304838. Registered address: Axis Court, North Station Road, Colchester, Essex CO1 1UX. Registered in England and Wales. Registered number: 03668383

Taurus Insurance Services Limited is an insurance intermediary licenced and authorised in Gibraltar by the Financial Services Commission under Permission Number 5566 and authorised to passport general insurance intermediary services into the UK. Taurus are registered with the Financial Conduct Authority in the UK under registration number 444830. Great Lakes Insurance SE is a German insurance company with its headquarters at Königinstrasse 107, 80802 Munich. UK Branch office: 10 Fenchurch Avenue, London, EC3M 5BN, company number SE000083. Great Lakes Insurance SE, UK Branch, is authorised and regulated by Bundesanstalt für Finanzdienstleistungsaufsicht. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website.

3 Star 4 Star 5 Star
Cover Sums Insured Excess Sums Insured Excess Sums Insured Excess
Emergency medical and repatriation expenses
- Hospital confinement benefit


- Mugging Hospitalisation benefit


- Emergency dental treatment
- Additional transport and accommodation expenses in the United Kingdom
- Funeral expenses
£10,000,000

£20 per 24 hours up to £500

£20 per 24 hours up to £500

£250
£1,000

£1,000
£100

Nil


Nil


£100
Nil

Nil
£10,000,000

£50 per 24hours up to £1,500


£50 per 24hours up to £1,500


£400
£2,000

£5,000
£50

Nil


Nil


£50
Nil

Nil
£15,000,000

£50 per 24hours up to £2,000


£50 per 24hours up to £2,000


£1,000
£3,000

£5,000
Nil

Nil


Nil


Nil
Nil

Nil
Cancellation £1,000 £100 £2,500 £50 £5,000 Nil
Curtailment and loss of holiday £1,000 £100 £2,500 £50 £5,000 Nil
Personal accident
- Death (aged 18 – 64)
- Death (under 18 or over 64)
- Loss of limb(s) or sight or permanent total disablement (aged 18-64)
- Loss of limb(s) or sight or permanent total disablement (under 18 or over 64)

£5,000
£1,000
£5,000

£1,000


Nil
Nil
Nil

Nil


£10,000
£2,500
£10,000

£2,500


Nil
Nil
Nil

Nil


£20,000
£5,000
£20,000

£5,000


Nil
Nil
Nil

Nil

Personal possessions
- Single item limit
- Valuables
£1,000
£200
£200
£100
£100
£100
£2,000
£250
£250
£50
£50
Nil
£3,000
£750
£1,000
Nil
Nil
Nil
Personal money
Cash
£200
£200
£100
£100
£400
£300
£50
£50
£400
£400
Nil
Nil
Passport and other documents £200 £100 £250 £50 £300 Nil
Gadget
Acciental damage, theft, malicious damage and loss
Single item, pair or set
Unauthorised use
£1,000

£500
£1,000
£100

£100
Nil
£2,000

£500
£1,000
£50

£50
Nil
£3,000

£750
£1,000
Nil

Nil
Nil
Enhanced Gadget (Optional)
Acciental damage, theft, malicious damage and loss
Single item, pair or set
Unauthorised use
£1,000

£500
£1,000
£100

£100
Nil
£2,000

£750
£1,000
£50

£50
Nil
£3,000

£1,000
£1,000
Nil

Nil
Nil
Baggage delay on outward journey Nil Nil £25 after each 12 hours of delay up to £250 Nil £50 after each 12 hours of delay up to £500 Nil
Missed departure £300 £100 £500 £50 £750 Nil
Travel delay and abandonment
Travel delay benefit

Abandonment after 12 hours delay
£25 per 12 hours up to £250
£1,000
Nil

£100
£35 per 12 hours up to £350

£2,500
Nil

£50
£50 per 12 hours up to £500

£5,000
Nil

Nil
Extended travel disruption (optional)
A. Cancellation or Curtailment
B. Aleternative accomodation

C. Enforced stay
Delayed benefit

Additional travel expensives
Prescription medication
£1,000
£1,000


£150 per day up to £1,500
£2,000
£200
£100
£100


Nil

Nil
Nil
£2,500
£2,500


£150 per day up to £1,500

£2,000
£200
£50
£50


Nil

Nil
Nil
£5,000
£5,000


£150 per day up to £1,500

£2,000
£200
Nil
Nil


Nil

Nil
Nil
Personal liability £2,000,000 £100 £2,000,000 £50 £2,000,000 Nil
Hijack Nil Nil £150 per day up to £1,500 Nil £200 per day up to £2,000 Nil
Legal cost and expenses £25,000 Nil £25,000 Nil £25,00 Nil
Financial failure cover
Schedule airline failure
End supplier failure
£1,000
Nil
Nil
Nil
£2,500
£2,500
Nil
Nil
£2,500
£2,500
Nil
Nil
Winter sports (optional)
A. Winter sports equipment - loss, theft or damage
Replacement or repair
Hire of replacement equipment

B. Winter sports equipment - delay
Hire of replacement equipment
C. Ski pass - loss or theft
D. Ski pack - illness or injury
E. Ski pack or alternative resport - piste closure
F. Travel disruption - avalanche or landslide
£500
£20 per day up to £300


£20 per day up to £300
£200
£20 per day up to £300
£20 per day up to £300

£300

£100
Nil


Nil
£100
Nil
Nil

Nil

£750
£30 per day up to £450


£30 per day up to £450
£250
£30 per day up to £450
£30 per day up to £450

£450

£50
Nil


Nil
£50





£1,000
£40 per day up to £600


£40 per day up to £600
£300
£40 per day up to £600
£40 per day up to £600

£600

Nil
Nil


Nil
Nil
Nil
Nil

Nil

Golf (optional)
A. Golf Equipment - loss, theft or damage
Replacement or repair
Single item limit
B. Hire of replacement equipment
C. Green fees
D. Hole in One
£1,000
£300
£25 per day up to £250
£25 per day up to £250
£50
£100
£100
Nil
Nil
Nil
£1,500
£400
£40 per day up to £400
£40 per day up to £400
£75
£50
£50
Nil
Nil
Nil
£2,000
£500
£50 per day up to £500
£50 per day up to £500
£100
Nil
Nil
Nil
Nil
Nil
Pet care
Kennel and cattery fees
£25 per day up to £250 Nil £40 per day up to £400 Nil £50 per day up to £500 Nil
Wdding and civil partnership ceremonies (optional)
A. Ceremonial items - loss, theft or damage
Ceremonial Attire
Ceremonial Gifts
Ceremonial Gifts - cash
Ceremonial Rings
Single item limit
B. Restaging photographs, video and digital media
C. Replacement photographs, video and digital media
£1,000
£500
£150
£500
£250
£500

£500

£100
£100
£100
£100
£100
£100

£100

£1,500 per person
£750
£150
£750
£375
£750

£750

£50
£50
£50
£50
£50
£50

£50

£2,000 per person
£1,000
£150
£1,000
£500
£1,000

£1,000

Nil
Nil
Nil
Nil
Nil
Nil

Nil

Cruise (optional)
A. Missed port
B. Cabin confinement
C. Unused excursions
D. Increased personal baggage limits
Single item limit
Valuables limit
E. Evening wear

£1,000 per person
£500
£150
£2,500
£500
£500
Nil

£100
£100
£100
£100
£100
£100
Nil

£1,500 per person
£750
£150
£3,000
£750
£750
£100

£50
£50
£50
£50
£50
£50
£50

£2,000 per person
£1,000
£150
£3,500
£1,000
£1,000
£150

Nil
Nil
Nil
Nil
Nil
Nil
Nil
COVID-19
Cancellation
Curtailment
Emergency medical and repatriation expenses
£1,000
£1,000
£10,000,000

£100
£100
£100

£2,500
£2,500
£10,000,000

£50
£50
£50

£5,000
£5,000
£15,000,000

Nil
Nil
Nil

Rental vehicle excess waiver (optional)
Excess/Deposit
Roof
Windscreen, windows and sunroof
Undercarriage
Tyres (for Repalcement)
Tyres (for replair)
£2,000
£600
£800
£500
£100 each tyre
£50 each tyre
Nil
Nil
Nil
Nil
Nil
Nil
£2,000
£600
£800
£500
£100 each tyre
£50 each tyre
Nil
Nil
Nil
Nil
Nil
Nil
£2,000
£600
£800
£500
£100 each tyre
£50 each tyre
Nil
Nil
Nil
Nil
Nil
Nil
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