Coronavirus Cover is Included with a Free Spirit Policy
Coronavirus cover is included with Free Spirit policies if an insured person has to cancel their trip due to being taken ill with or testing positive for Coronavirus.
Free Spirit Coronavirus Cover Levels:
1. Super cover – up to £2,500
2. Super Duper cover – up to £5,000
This is in addition to the existing cover as summarised below:
- Emergency Medical & Associated Expenses, found in section B1, B2 & B3 of the policy.
3. Emergency medical and associated expenses up to £10m.
4. Repatriation home if considered medically necessary.
5. Additional travel and accommodation expenses.
6. Additional cover on your return home following hospitalisation abroad.
7. UK trip Non-Medical Cover: up to £10,000 for non-medical and other expenses incurred within the UK.
- Overseas Hospital Benefit, found in section C of the policy.
For each insured person this cover will pay as specified in your policy schedule, under your selected cover option:
8. £30 per 24 hours up to £1,000 Super cover
9. £50 per 24 hours up to £1,500 Super Duper cover
This is payable if you’re admitted as a hospital in-patient in a public hospital abroad during the period of your trip. It’s in addition to the fees and charges paid under Section B1 A Emergency medical and associated expenses.
Important FCDO Advice in relation to Coronavirus
Remember that there’s no cover if you travel against the government or other regulatory authority (i.e. The Foreign, Commonwealth & Development Office (FCDO) advice.
If your travel provider intends to run your holiday as planned, we would urge you to insist that the dates are moved, as we cannot cover you if you travel while the FCDO advises against non-essential travel. However, if the FCDO advises against your chosen destination, read here about a product that can cover you.
Free Spirit policies include coronavirus cover, which allows you to travel abroad safe in the knowledge that you have cover in place if you should fall ill with COVID.
From making continuous developments to our cover levels, to ensure it’s best suited to travel (both in the UK and overseas), we can assure you that our Free Spirit policies will provide Coronavirus cover to protect you if you catch coronavirus outside the UK.
We believe that everyone has the right to travel, no matter their age or medical condition. So when the government states it’s safe to travel, we can give you the confidence to do so.
Which Free Spirit policies include Coronavirus Cover?
Am I covered with a Free Spirit policy in the UK?
All our policies include Coronavirus cover as standard if an insured person has to cancel their trip due to being taken ill with or testing positive for Coronavirus. Learn more about our UK Holiday Insurance policy here.
What am I not covered for with Free Spirit Coronavirus Cover?
- Any payment when you are in a private hospital or clinic.
- No cover will be provided for state hospital benefit if it’s not mentioned in the policy conditions or exclusions.
- Any costs of Coronavirus testing, unless you are admitted to hospital as an inpatient.
There is no cover under this insurance:
- For unrecoverable costs unless you provide evidence that you have been unable to travel to or enter any country because you have tested positive for Coronavirus. You must provide the result of a test carried out by a testing provider who has self-certified as meeting the UK Government’s minimum standards for general population testing services.
- For any unrecoverable costs if you are unable to provide evidence from a doctor confirming that you have contracted Coronavirus;
- If you cancelled your trip because:
– you chose to quarantine or isolate as a result of exposure to an infectious or contagious disease including Coronavirus; or
– you simply did not want to travel or had a fear of travelling.
For more information download and read the Free Spirit policy in full.
Read a summary of the cover we can provide specifically in relation to Coronavirus here.
Coronavirus Travel Rules
When you travel abroad always ensure you understand the:
- Public health requirements of your destination country.
- Restrictions on re-entering the UK.
- Check with your airline to see if face masks are mandatory
Coronavirus Cover FAQS
We have prepared some FAQs to guide you through some of the questions and concerns you may have related to your travel insurance:
Our general advice to policy-holders is:
- Take guidance as provided by the FCDO and adhere to its advice.
- View the latest information and advice for the public on the outbreak of coronavirus from the Department of Health and Social Care.
- Follow any travel restrictions that are advised by any government or public/health authority you’re visiting.
- Book with a tour operator or provider that can provide access to discounted testing kits.
- Purchase a package trip because legal protection will be included and your holiday will be protected.
- To speak with your travel provider regarding any possible change(s) to your travel itinerary.
- Continue to monitor any further advice as may be provided.
- To get through airport security quicker by print everything on paper, so it can be easily checked and scanned.
- The National Travel Health Network and Centre has also produced general advice on preparing for foreign travel and how individuals can help reduce the spread of respiratory viruses during the COVID-19 outbreak.
7 Web Pages for Information about Travel and Coronavirus:
- World Health Organisation coronavirus information & updates page
- Why Do We Need a COVID Vaccine Passport For Travel?
- Your COVID Travel Guide for an Anxiety Free Holiday
- Where can I travel after the COVID vaccine?
- Travel With Confidence With Free Spirit’s Safe Travel Advice
- Where Can I Travel While Restrictions Are In Place?
- Worldometer coronavirus global statistics
Although we have the freedom to travel once more, Coronavirus has not gone away. Therefore, we’ll continue to monitor the situation and provide further updates if and when they arise.