Coronavirus and your Home & Legacy travel insurance

Posted on: 18 March 2020

We understand that at this time you will be concerned about your health and the health of your loved ones. And you may even be thinking about what level of protection your travel insurance provides – especially if you are due to be travelling soon, or are abroad already.

On 11th March 2020 the World Health Organisation (WHO) upgraded the coronavirus outbreak to a worldwide pandemic.

What does this mean for Home & Legacy Worldwide Multi-trip Travel Insurance policyholders?

What is covered:

  • If you are already abroad and you travelled in line with the Foreign & Commonwealth Office (FCO) advice available at the time of travelling; should you fall ill with Coronavirus / COVID-19 our cover will be provided to you under the emergency medical expenses section of your policy.

Find out how to make a claim.

What is not covered:

  • Now that Coronavirus / COVID-19 has been declared a pandemic by the WHO, the policy no longer covers claims made if you are ill in the UK with Coronavirus / COVID-19 before you are due to travel, such as cancellation claims.

The following scenarios are also excluded:

  • If you fall ill after travelling to a country or area for which the FCO have advised people not to travel to.
  • Cancellation costs if you feel disinclined to travel to an area that is not listed on the FCO’s website.
  • Curtailment costs should you want to return home early from a trip to a country or area that is not listed on the FCO’s website.

Please also be aware:

For new sales, including policy renewals or customers looking to add travel insurance to their existing Home & Legacy home insurance:

  • No cover will be provided for any claim/ loss arising from or attributable to Coronavirus/ COVID-19 including trips that are pre-booked.

Please note these changes in our travel policy.

We would like to send all of our customers and partners, and all of your loved ones, best wishes at this time.