Covid-19 - What's covered under M&S Travel Insurance?

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Under the terms of your policy it is essential you check the Foreign, Commonwealth and Development Office (FCDO) website for your destination before you book your trip. FCDO travel advice sets out Covid-19 guidance and support and other risks that you may face if you travel abroad. Advice is under constant review and for travel to some countries and territories the FCDO continues to advise against all non-essential international travel. Countries have different entry requirements, for example, you may require a negative Covid-19 test or proof of vaccination and some are still refusing entry. There may also be a requirement for you to quarantine on arrival or return.

You will not be covered for any claim, if you travel against FCDO advice if you renewed or purchased a new M&S Travel Insurance policy on or after 17 January 2021.

M&S Club Rewards with insurance customers: if you took out cover or booked your trip on or after 8 February 2021, you are not covered for travel that goes against the advice of the FCDO or the local authorities in the area you want to travel.

Stay up-to-date with the latest foreign travel advice.

What would be considered as essential travel?

Provided you can evidence that the reason for your trip is essential you would be covered to travel. We would not consider a holiday or leisure trip as essential travel. This is in line with current government guidelines for Covid-19 and the FCDO. Urgent family commitments (for example to provide care for vulnerable dependants or for compassionate reasons) would be considered essential.

Red, Amber & Green Traffic light system for return to the UK

It is essential that you check the entry requirements for return to the UK- the Traffic light system. England, Wales, Scotland and Northern Ireland have slightly different rules and you need to be aware of the rules that apply to you .

FCDO and Traffic light questions

Will I be covered to travel to a country if FCDO advice against travel is in place?

Your Travel Insurance will not cover you if you decide to travel against FCDO advice.

For M&S Travel Insurance customers: This exclusion will apply to all new policies and policies renewed on or after 17 January 2021 – please check your policy documents.

M&S Club Rewards with insurance customers who took out cover or booked a trip on or after 8 February 2021 are not covered for travelling against FCDO advice. Please check your policy documents.

Will I be covered to travel to a country on the red, amber or green watchlist?

Yes. Your cover remains in place if you decide to travel to a country on the red, amber or green watchlist providing, you are not travelling against FCDO advice – please see links above for the latest advice. This is subject to the policy terms and exclusions which can be found on your policy document.

Am I covered to cancel my trip if the country I am travelling to changes from the green list to the green watch list or amber and red lists?

The policy does not cover changes to the traffic lights. You should first contact your travel or accommodation provider to discuss your options. However, in view of the changing circumstances, if you cannot travel because of the quarantine restrictions and are unable to reschedule, you will need to contact Aviva to see if your claim can be considered.

Claims will not be considered if the traffic light quarantine restriction, entry restrictions or FCDO advice were in place at the time you booked your trip or purchased your cover (whichever is later).

Am I covered to cancel my trip if entry restrictions are imposed on the country I am travelling to (for example, border closures or quarantine)?

You should contact your travel or accommodation provider to discuss your options in the first instance.

However, if you are unable to reschedule your trip, you are able to claim providing there were no entry restrictions, or FCDO advice in place at the time of booking the trip or purchasing your cover (whichever is later).

Quarantine and Self-Isolations

If the country I am in goes onto the red list unexpectedly, will you cover costs for hotel quarantine on return to the UK?

Yes, hotel quarantine costs on return to the UK are covered, as long as the country was not already on a green / amber watch list about to be changed to red, and there was no FCDO advice in place at the time you left the UK.

Am I covered if I’m unexpectedly quarantined at an airport and can’t continue my trip because of a medical assessment, temperature check or test result?

Yes, if you unexpectedly have to quarantine, your policy will cover additional travel and accommodation costs to enable everyone insured under the policy to return home, providing a return trip was booked. Your policy will also cover the costs for any accommodation you aren’t able to use.

Please check the entry requirements to your destination before you book your trip as you will not be covered if you are unable to meet the entry requirements which were in place when you booked.

If I get Covid-19 or I’m advised to self-isolate before I travel, am I covered?

Yes, you're covered for cancelling your trip.

Please also read question 2 under the Covid-19 and Vaccination section.

If I’m advised to self-isolate while I’m abroad, am I covered?

Yes, as long as you have not travelled against FCDO advice, you're covered for emergency medical treatment and additional charges for accommodation and travel costs if you have to stay after the date you were due to return home, up to the limits shown in your policy documents.

If I’m advised to self-isolate while I’m on a UK holiday, am I covered?

Yes, as long as you have not travelled against local government lockdown/restrictions you are covered for additional charges for accommodation and travel costs if you have to stay after the date you were due to return home, up to the limits shown in your policy documents.

Covid-19 and Vaccinations

Am I covered for medical treatment if I catch Covid-19 whilst abroad?

Yes, you will be covered for emergency medical treatment abroad, as long as you have not travelled against FCDO advice. Please also read question 2 below.

I’ve previously been diagnosed with Covid-19. Do I need to tell you and how will this affect my cover?

Cover will depend on the severity of your symptoms and if you were admitted to hospital, referred for investigations or received any medication or treatment. You should check the Your Health section of your policy booklet to find out what you need to tell us. You must disclose medical conditions as stated in the policy terms and conditions.

Am I covered if I can’t travel because I haven’t received my Covid-19 vaccinations?

There is no cover under the policy if you can’t travel because you’ve not had the Covid-19 vaccinations. You should contact your travel provider to see if you can reschedule your trip. If you booked your trip before vaccination was a requirement and you cannot reschedule, then get in touch with the Aviva claims team who will consider your circumstances.

Please check the UK quarantine requirements for your return home (traffic light system) and the entry requirements to your destination on the FCDO website before you book your trip. You will not be covered if these requirements were in place when you booked.

Proof of cover

My tour operator has asked me to provide proof of insurance, where can I get this?

M&S Travel Insurance: If you have been asked to provide proof of insurance to your tour operator or cruise provider, and require written confirmation, your policy schedule and policy wording contain all the required information. Please check your policy wording.

M&S Club Rewards with insurance: If you have been asked to provide proof of insurance to your tour operator, and require written confirmation you can request this by visiting the dedicated Aviva webpage.

Refunds – M&S Travel Insurance only

If I cancel my travel insurance policy, can I get a refund?

The terms and conditions on your policy don’t normally allow you to get a refund if you cancel before the end of your policy. Due to the current exceptional circumstances, refunds may be considered. To discuss this, you should contact Customer Services using the telephone number in your policy booklet.

If you’ve made a claim or think you may need to make a claim in this policy year, you won’t be eligible for a refund on your policy.