The insurance industry, like so many others, has adapted following the emergence of COVID-19. Travellers who were forced to cancel their trips but were not protected by the Package Travel and Linked Travel Arrangements Regulations 2018 were usually relying on their insurance policies to refund lost monies. As these cancellations were due to changes in official travel advice, such claims were often refused on the grounds of policy exclusions.
Fast forward to 2022 and it is possible to obtain comprehensive travel insurance that protects against COVID-19 disrupting your plans. Most policies do not exclude COVID-19 from medical expenses and repatriation cover, however you may want to consider policies which go further and cover
- the price of your holiday in the event that a positive PCR test prior to departure forces you to change plans;
- the price of your holiday if you feel a disinclination to travel due to increasing risks in your destination;
- the cost of any extended stays in your destination in the event that you test positive for COVID while you are away.
In our opinion, while there is still uncertainty, a small additional cost for this extra protection is money well spent.