Enhanced Travel Insurance now with COVID-19 cover

A greater level of protection

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Islands Millstream Travel Insurance policy now includes Covid-19 cover to help you stay protected. As this situation is ongoing it is vital that you have a policy that will respond to any Covid-19 disruption to your future travel plans.

Cover is now available for:

  • Cancelling your trip: You will be covered up to the policy limits for irrecoverable cost if you have to cancel your trip because you or your travel companions become ill with Covid-19 or if you are specifically asked to quarantine, for example through the track and trace system.
  • Your trip being interrupted: You will be covered up to the policy limits if your holiday is disrupted because you or your travel companions fall ill with Covid or you are specifically asked to quarantine.
  • Emergency medical help: You and your travel companions will be covered for emergency medical assistance if you fall ill with Covid.

What is not covered

There is no cover for your trip being interrupted or for emergency medical help if you travel against the advice of the Foreign, Commonwealth & Development Office (FCDO), unless it is pre-agreed as essential by insurers.

There will be no cover for cancellation or cutting your trip short if general quarantine restrictions are put in place, for example, if your town or city is locked down or the Government or local authority are asking the general public to self-isolate when returning from a high-risk country.

Our Travel Insurance Products

If you would like a quote on the above, or to discuss the benefits of our superior Bespoke travel insurance in confidence, get a quote today via the below product links.

FAQs

Have a question about our Travel insurance policies?
We may have the answer already. See answers to our most frequently asked questions below.

Am I covered for cancellation costs if the Foreign, Commonwealth & Development Office changes its advice and restricts travel to my destination?

No, unless the reason for the restriction is unrelated to COVID-19, due to the general policy exclusion for pandemics.

I am being asked to pay the final instalments of my holiday but I am uncertain my holiday will proceed due to COVID-19

You should contact your travel provider for advice. If your trip is cancelled because of the introduction of travel restrictions by the FCDO due to COVID-19, your travel provider should either refund your costs or rearrange your trip. You will not be able to claim for cancellation costs under these circumstances. However, if your concern is that you may contract COVID-19, then you will still have Cancellation and Medical expenses cover.

I am looking to book my holiday for the end of the year/next year. What are my travel insurance options?

Before booking any trip you should check the Foreign, Commonwealth & Development Office (FCDO) for advice for the area you wish to visit.  If you travel against FCDO advice, then there will be no cover under your policy. We also strongly recommend, you check the booking terms with your travel provider, who should be able to answer any queries about COVID-19.

I am unable to return home due to reasons beyond my control and my insurance is about to expire?

If your return is unavoidably delayed for an insured reason, the cover will be extended free of charge for up to 30 days maximum.

Instead of a refund my tour operator is offering the same trip at a later date. Can I defer my travel insurance?

Please note that if your trip is cancelled due to the introduction of travel restrictions by the FCDO due to COVID-19, then your travel provider should provide you with the option of a refund and you would not be obliged to accept a credit or voucher for future travel.

If your trip is deferred, then for annual multi-trip policies, we would agree to cover the deferred trip on the basis of the original booking as long as the destination and trip duration remains the same. Under our policies cancellation cover effects from the time of booking the trip, which will remain the original date, and all other sections come into effect once you leave or home or place of business to commence the trip.

My trip is essential but I need to travel against the Foreign, Commonwealth & Development Office advice?

All essential travel when travelling against FDCO advice must be pre-agreed by the insurers.

What happens if I’m told by government officials to quarantine before I travel?

You will be covered up to the policy limits for irrecoverable cost if you have to cancel your trip because you or your travel companions become ill with COVID-19 or if you are specifically asked to quarantine, for example through the track and trace system.

What happens if the Foreign, Commonwealth & Development Office changes its advice and restricts travel when I am already at my destination?

Your policy would not cover you in this situation due to the general pandemic exclusion. In this situation, you would need to contact your travel provider for advice and assistance.

What if I am asked to quarantine whilst on holiday?

You will be covered up to the policy limits if you are specifically asked to quarantine including, necessary accommodation expenses (room only) and travel expenses. You can contact the 24hr medical assistance line for advice and help.

Will I be covered if I catch COVID-19 whilst on holiday?

You will be covered up to the policy limits if your holiday is disrupted because you or your travel companions fall ill with COVID-19 or you are specifically asked to quarantine.  This includes emergency medical expenses, necessary accommodation expenses (room only), and travel expenses. You should contact the 24hr medical assistance line for advice and help if you require treatment for COVID-19.

Will you cover me if I have had COVID-19?

Yes, but you need to comply with the terms of our medical declaration. This may mean you will need to undergo a medical screening and pay an additional premium.

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