As we start to see the opening of borders and the FCDO lifting travel bans across some popular destinations, for some of us the urge to travel is back on the agenda for 2020. However, the world of travel will no doubt be a different place due to the Coronavirus pandemic. Therefore, we wanted to make it clear what cover our Spectrum travel insurance products will provide in relation to Coronavirus.
All of our products will provide cover for emergency medical treatment and medical expenses if you or anyone named on your policy contracts COVID-19 whilst on your trip.
As of 25th August 2020, Spectrum Diamond policies will provide additional cover in relation to Coronavirus, including trip cancellation if you or anyone named on the policy tests positive for COVID-19 14 days before travelling.
If you are an existing Spectrum customer and are concerned about how your policy may be impacted due to COVID-19, please read our Coronavirus FAQs.
Travel Insurance for COVID-19
For some of us, travelling after lockdown and with the Coronavirus pandemic in the back of our minds can be daunting. At Spectrum, we want to reassure our customers that your health is our first priority. That’s why all of our policies are designed to cover you, should you or anyone named on the policy falls ill with the Coronavirus during your trip and require emergency medical assistance. Our policies also provide repatriation cover, so that should it be medically necessary for you to come home, we’ll arrange that too.
Our Diamond Products now come with additional benefits in relation to coronavirus:
- Enhanced COVID cover available on Diamond policies only.
- Coronavirus cancellation cover, if you or anyone named on the policy tests positive for COVID-19 14 days prior to travel
- Cover if you or anyone named on the policy is denied boarding at the airport on your inbound flight due to detected symptoms of coronavirus.
- Protection if your airline goes into administration due to the pandemic.
- Reimbursement of any pre-booked events or excursions, which you cannot recover from any other source if you need to cancel your trip.
- £0 policy excess if you need to make a claim
- Gadget Protection up to £3000 included if your gadgets are lost, stolen or damaged.
- Emergency Medical Cover of up to 10million per person.
- Available on both Single and Multi-Trip policies.
Is Coronavirus cover included for domestic trips?
If you are travelling on a domestic trip to enjoy a well-deserved staycation you will find comfort knowing Spectrum offers specialist staycation cover on our “Staycation Plus” policies. Our staycation product includes enhanced cover for coronavirus that offers additional benefits that are tailored to domestic travel, including:
- Cancellation cover if you or anyone named on your policy test positive for Covid-19, 14 days before you are due to travel.
- Cover for denied boarding on domestic flights as a result of showing symptoms of COVID-19.
- Cover to come home early from your trip as a result of getting coronavirus.
- 24/7 access to a UK based GP at any time during your trip.
Why Choose Spectrum Travel Insurance?
24/7 Emergency Helpline
100+Activities Covered FREE
Up to
£10m Medical Cover Per Person
Up to
£10,000 Cancellation Cover Per Person
*Single Trip from pricing is based on three nights in France, for a 35-year-old, individual traveller on a Diamond policy
*Annual Multi trip from pricing is based on three nights in France, for a 35-year-old, individual traveller on a Diamond policy
Countries that are safe to travel and covered by our policies
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.
Useful Information Relating to coronavirus and your travel insurance:
- 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.
