When going on a staycation it is all too easy to forget that you still need travel insurance to protect you against an unforeseen holiday disasters. Our specialist UK policy includes coronavirus cover as well as offering additional benefits that are tailored to domestic travel. This includes:

• No upper age limits
• Available on Single and Multi-Trip policies.
• COVID cover included as standard*
• All the usual travel insurance benefits plus much more, such as cover for Event tickets, Property Damage cover and Attraction closure cover.
• We will pay up to £500 for the reimbursement of emergency call-out fees and labour charges including recovery to the nearest garage which are not covered by any other policy i.e. vehicle breakdown policy.

*Terms and Conditions apply, please check policy wordings for more information.

If you are an existing customer who purchased their policy before 14^th March 2020, please check your policy wording to see what cover was provided under your policy. You can find copies of policy wordings by purchase date by clicking here.

If you are an existing customer who purchased their policy between 14^th March 2020 and 24^th August 2020, all of our policies provide cover for:

• Emergency medical expenses if you contract COVID-19 during your trip.
• Cover for cancelling your trip if you are unfortunately made redundant after you booked your trip.

If you purchased a Diamond Single or Multi Trip policy on or after the 25^th August 2020, you will have:

• Cancellation cover if you, or anyone named on the policy, test positive for COVID-19 up to 14 days prior to travelling.
• Denied boarding cover if you, or anyone named on the policy, are refused entry on your return journey to the United Kingdom due to showing symptoms of COVID-19.
• Plus, much more –  click here for more details.

From 24^th September 2020 our Staycation Plus Single Trip and Multi Trip policies also include enhanced cover for COVID-19 –  click here for more details.

If you have purchased any policy on or after the 5th May 2021, you will have:

• Cancellation cover in the event that you have to isolate at home due to coronavirus.

To access copies of your policy documents, you can quickly register for your free customer area access by clicking here. Alternatively, for full details please visit our policy wording page.

If you have a Spectrum Single or Multi Trip policy, you can enjoy the following benefits:

• Enhanced COVID cover available on all our products
• Emergency medical cover of up to £10 million per person
• Cancellation cover in the event that you have to isolate at home due to coronavirus
• Reimbursement of any pre-booked events or excursions, which you cannot recover from any other source if you need to cancel your trip

Every three weeks the Government review the list of green countries. These are destinations deemed safe to visit and require no isolation once you return home. Bear in mind the list was up to date at the time of writing this, and may have since changed. For more information, click here.

The following countries are on the green list:

• Australia
• Brunei
• Falkland Islands
• Faroe Islands
• Gibraltar
• Iceland
• Israel and Jerusalem
• New Zealand
• Portugal (including the Azores and Madeira)
• Singapore
• South Georgia and South Sandwich Islands
• St Helena, Ascension and Tristan da Cunha

Countries can be added or taken off the green list with less than three weeks notice, if it is deemed unsafe to visit.

It is so important to protect your holiday against coronavirus and the best ways to do that are by; 1) staying up to date with government restrictions and 2) taking out a travel insurance policy which offers enhanced covid-19 cover.

Do keep in mind that when a policy covers coronavirus, this doesn’t mean in every scenario your claim would be approved. The policy wording explains in detail what can and cannot be covered – so read it thoroughly.

If you become unwell with coronavirus while you’re away, then we can cover up to £10 million in emergency medical expenses (as long as you haven’t travelled against the advice of the FCDO).

You can also get cover up to £5,000 should you or anyone else on the policy become unwell with coronavirus and need to return home early. Bear in mind that, should the country you’re visiting or returning to require quarantining after a positive test, then you would have to comply with these rules.

The price of travel insurance varies depending on where you’re going, how long for, how many people are on the policy and whether you want additional or higher cover levels. Our Diamond products provide our widest range of travel insurance protection (including cover for COVID-19 at no extra cost) and don’t have any excesses. For more information, click here.

If you or anyone on your policy tests positive for coronavirus 14 days prior to departure, then we can offer cancellation cover.

If you have taken a Diamond policy with us, then we can cover up to £5,000 including:

• Transport charges
• Accommodation costs
• Foreign car hire
• Pre-paid excursions booked before you go on your trip

If you are already away, then unfortunately you cannot take out a policy with us, as we can only cover trips starting and ending in the UK.

If you are someone that goes away frequently and often forgets about travel insurance until you’re away, then taking out a Multi-Trip policy whilst still in the UK might be your best option. This covers you for an unlimited number of trips across a 12-month period, meaning you don’t have to take out a travel insurance policy every time you go away.

If you are offered an alternative destination and/or dates by your travel agent or tour operator and you have a Single Trip policy, then we can change the dates of your travel insurance policy to match the new trip, so long as it is in line with our policy term and conditions. We will not charge an admin fee for this, but please be aware that there may be an increase in cost, for example if you extend your trip length or change the geographical area that you are travelling to etc.

Please note, we cannot move trip dates more than 12 months in advance from the date you originally purchased your policy. Please click here to amend your policy online.

If you’d like to upgrade your existing policy to include enhanced COVID-19 cover, click here to do so quickly and easily online (just look out for the green COVID COVER badge). We’ll re-send your new policy documents – It’s just that simple.

Please note: An additional cost may apply if you choose you upgrade your travel insurance policy to include enhanced COVID-19 cover.

Cover may be extended for the following reasons:

• If you are hospitalised, require medical treatment and are unable to fly.
• If your transport is disrupted or delayed.
• If you cannot return home for any reason beyond your control

Question not been answered? Click here, for more coronavirus FAQs.

• If your airline or tour operator cancels your trip, you will need to seek financial reimbursement directly from.
• If your airline or holiday provider has changed your travel dates, you can easily amend your single trip travel insurance cover dates using our amend your policy online application.
• If you are no longer traveling and haven’t made a claim on your policy you may be entitled to a refund. You can submit your policy cancellation using our online form.
• Before booking your trip, you should check the FCDO website to ensure your destination is safe to travel. Our policies do not cover you if you decide to travel against the FCDO’s advice.

Our policies will only provide cover if, at the time of travel, the FCDO, WHO, or any local government or authority have marked it as safe to travel. You will not be covered if you travel against the advice of the FCDO, WHO, or any local government or authority. Before booking your trip, you should check the FCDO website to ensure your destination is safe to travel.

I already have a travel insurance policy from Spectrum, am I covered for Coronavirus?

If you already have a Spectrum travel insurance policy and are concerned about Coronavirus and the impact it has on your policy, we have listed our most relevant FAQs that relate to your existing cover.

From the 14th March 2020, we are unable to provide cover if you have to cancel your trip for reasons relating to Coronavirus.

From the 25th August 2020, Spectrum Diamond policies will provide cover if you have to cancel your trip due to testing positive for COVID-19 up to 14 days prior to travelling.

When going on a staycation it is all too easy to forget that you still need travel insurance to protect you against an unforeseen holiday disasters. Our specialist UK policy includes coronavirus cover as well as offering additional benefits that are tailored to domestic travel. This includes:

• No upper age limits
• Available on Single and Multi-Trip policies.
• COVID cover included as standard*
• All the usual travel insurance benefits plus much more, such as cover for Event tickets, Property Damage cover and Attraction closure cover.
• We will pay up to £500 for the reimbursement of emergency call-out fees and labour charges including recovery to the nearest garage which are not covered by any other policy i.e. vehicle breakdown policy.

*Ts and Cs apply

If you are an existing customer who purchased their policy before 14^th March 2020, please check your policy wording to see what cover was provided under your policy. You can find copies of policy wordings by purchase date by clicking here .

If you are an existing customer who purchased their policy between 14^th March 2020 and 24^th August 2020, all of our policies provide cover for:

• Emergency medical expenses if you contract COVID-19 during your trip.
• Cover for cancelling your trip if you are unfortunately made redundant after you booked your trip.

If you purchased a Diamond Single or Multi Trip policy on or after the 25^th August 2020, you will have:

• Cancellation cover if you, or anyone named on the policy, test positive for COVID-19 up to 14 days prior to travelling.
• Denied boarding cover if you, or anyone named on the policy, are refused entry on your return journey to the United Kingdom due to showing symptoms of COVID-19.
• Plus, much more – click here for more details.

From 24^th September 2020 our Staycation Plus Single Trip and Multi Trip policies also include enhanced cover for COVID-19 –  click here for more details.

If you have purchased any policy on or after the 5th May 2021, you will have:

• Cancellation cover in the event that you have to isolate at home due to coronavirus.

To access copies of your policy documents, you can quickly register for your free customer area access by clicking here. Alternatively, for full details please visit our policy wording page.

If you have a Spectrum Single or Multi Trip policy, you can enjoy the following benefits:

• Enhanced COVID cover available on all our products
• Emergency medical cover of up to £10 million per person
• Cancellation cover in the event that you have to isolate at home due to coronavirus
• Reimbursement of any pre-booked events or excursions, which you cannot recover from any other source if you need to cancel your trip

Every three weeks the Government review the list of green countries. These are destinations deemed safe to visit and require no isolation once you return home. Bear in mind the list was up to date at the time of writing this, and may have since changed. For more information, click here.

The following countries are on the green list:

• Australia
• Brunei
• Falkland Islands
• Faroe Islands
• Gibraltar
• Iceland
• Israel and Jerusalem
• New Zealand
• Portugal (including the Azores and Madeira)
• Singapore
• South Georgia and South Sandwich Islands
• St Helena, Ascension and Tristan da Cunha

Countries can be added or taken off the green list with less than three weeks notice, if it is deemed unsafe to visit.

It is so important to protect your holiday against coronavirus and the best ways to do that are by; 1) staying up to date with government restrictions and 2) taking out a travel insurance policy which offers enhanced covid-19 cover.

Do keep in mind that when a policy covers coronavirus, this doesn’t mean in every scenario your claim would be approved. The policy wording explains in detail what can and cannot be covered – so read it thoroughly.

If you become unwell with coronavirus while you’re away, then we can cover up to £10 million in emergency medical expenses (as long as you haven’t travelled against the advice of the FCDO).

You can also get cover up to £5,000 should you or anyone else on the policy become unwell with coronavirus and need to return home early. Bear in mind that, should the country you’re visiting or returning to require quarantining after a positive test, then you would have to comply with these rules.

The price of travel insurance varies depending on where you’re going, how long for, how many people are on the policy and whether you want additional or higher cover levels. Our Diamond products provide our widest range of travel insurance protection (including cover for COVID-19 at no extra cost) and don’t have any excesses. For more information, click here.

If you have purchased a policy with us, then if you or anyone on your policy tests positive for coronavirus 14 days prior to departure, we can offer cancellation cover.

We can cover up to £5,000 including:

• Transport charges
• Accommodation costs
• Foreign car hire
• Pre-paid excursions booked before you go on your trip

If you are already away, then unfortunately you cannot take out a policy with us, as we can only cover trips starting and ending in the UK.

If you are someone that goes away frequently and often forgets about travel insurance until you’re away, then taking out a Multi-Trip policy whilst still in the UK might be your best option. This covers you for an unlimited number of trips across a 12-month period, meaning you don’t have to take out a travel insurance policy every time you go away.

If you are offered an alternative destination and/or dates by your travel agent or tour operator and you have a Single Trip policy, then we can change the dates of your travel insurance policy to match the new trip, so long as it is in line with our policy term and conditions. We will not charge an admin fee for this, but please be aware that there may be an increase in cost, for example if you extend your trip length, change the geographical area that you are travelling to, or move the trip dates more than 12 months from the date you originally purchased your policy.

Please note, we cannot move trip dates more than 18 months in advance from the date you originally purchased your policy. Please click here to amend your policy online.

If you’d like to upgrade your existing policy to include enhanced COVID-19 cover, click here to do so quickly and easily online (just look out for the green COVID COVER badge). We’ll re-send your new policy documents – It’s just that simple.

Please note: An additional cost may apply if you choose you upgrade your travel insurance policy to include enhanced COVID-19 cover.

Cover may be extended for the following reasons:

• If you are hospitalised, require medical treatment and are unable to fly.
• If your transport is disrupted or delayed.
• If you cannot return home for any reason beyond your control

Question not been answered? Click here, for more coronavirus FAQs.