This insurance policy will ONLY provide cover for claims as a result of pandemic and/or epidemic, including but not limited to Coronavirus within the following sections:
Section A (Cancelling your trip), Section B1 (Medical and other expenses outside of the United Kingdom), Section B2 (Expenses within the United Kingdom), Section C (Cutting your trip short) and Section L (End supplier failure including scheduled airline failure); provided that you have received the recommended number of doses of an approved Coronavirus vaccine 14 days prior to your trip commencing. This vaccination requirement shall not apply where you were ineligible for vaccination, or unable to receive the vaccine for medical reasons, and this is shown in your medical records.
Please be aware: There is no cover under this policy if (having no symptoms of Coronavirus and/or not testing positive for Coronavirus) you are advised to quarantine or you choose to self-isolate due to a person you have come into contact with having Coronavirus.
Foreign, Commonwealth & Development Office (FCDO) advice
This insurance policy will not cover you to travel to a specific country or to an area where, prior to your trip commencing, the Foreign, Commonwealth & Development Office (FCDO) have advised against all (or all but essential) travel. This exclusion does not apply where your destination is within Europe 1 or Europe 2 (see the definition of ‘Geographical Areas’ within the policy wording) and where the Foreign, Commonwealth & Development Office (FCDO) have advised against all (or all but essential) travel solely due to the Coronavirus risk.
It is your responsibility to check the latest advice from the FCDO prior to commencing your trip,
which you can find at Foreign travel advice - GOV.UK .
Medical conditions that we cannot cover
We are unable to provide any cover for any medical condition for which you, or anyone else to be covered by this policy, have not received a diagnosis, are on a waiting list for or have knowledge of the need for surgery, treatment or investigation at a hospital, clinic or nursing home.
There is no cover provided for cruises unless you have selected and paid the appropriate additional premium and cover is shown on your policy certificate. In any event, there is no cover for cargo or container ship travel.