Your travel insurance and Covid-19

Aashima Praveen

 · March 27, 2020  · 03/27/2020

Q1. Am I covered for emergency medical expenses if I contract Covid-19 whilst travelling outside my country of residence?

For Standard Pay-per-Day users: Yes. Emergency medical treatment costs are covered provided that before you departed on your trip, there was not already a directive advising the general public against all or against all but essential travel or against travel to that location

For Standard Annual Multi Trip users: Yes. Emergency medical treatment costs are covered provided that before you departed on your trip, there was not already a directive advising the general public against all or against all but essential travel or against travel to that location

For Premium or Metal users: Yes. Emergency medical treatment costs are covered provided that before your trip started, you were and are not travelling against the travel advice issued by the government of your country of residence.

Q2. If I contract Covid-19 outside of my country of residence is there any amount of money that I have to pay under my Revolut travel insurance policy?

For Standard Pay-per-Day users: Yes. For all claims under the Emergency overseas medical assistance and expenses section, there is an excess of £75. The excess means that this is the first amount of any claim for which you are responsible to pay.

For Standard Annual Multi Trip users: Yes. For all claims under the Emergency overseas medical assistance and expenses section, there is an excess of £75. The excess means that this is the first amount of any claim for which you are responsible to pay.

For Premium or Metal users: Yes. For all claims under the emergency medical expenses section, there is an excess of £50. The excess means that this is the first amount of any claim for which you are responsible to pay.

Q3. Am I covered for emergency medical expenses if I contract Covid-19 whilst travelling inside my country of residence?

For Standard Pay-per-Day users: No. Cover for emergency medical treatment costs only applies outside your country of residence.

For Standard Annual Multi Trip users: No. Cover for emergency medical treatment costs only applies outside your country of residence.

For Premium or Metal users: No. Cover for emergency medical treatment costs only applies outside your country of residence.

Q4. In the event that I suffer a loss of earnings and incur additional costs (such as food, personal hygiene products etc) due to being in quarantine outside of my country of residence as a result of the Covid-19 virus, will my Revolut travel insurance cover these costs?

For Standard Pay-per-Day users:

No. There is no cover for loss of earnings or food. There is only cover for emergency medical expenses.

For Standard Annual Multi Trip users: No. There is no cover for loss of earnings or food. There is only cover for emergency medical expenses.

For Premium or Metal users: No. There is no cover for loss of earnings or food. There is only cover for emergency medical expenses.

Q5. If there is a government directive advising the general public against travel to the destination to which I am travelling due to a Covid-19 outbreak, am I covered for emergency medical expenses if I fall ill?

For Standard Pay-per-Day users: No. There is no protection whatsoever under the policy if you travel to a country, a specific area or event after a government directive / appropriate authority directive has advised the general public against all or against all but essential travel.

Examples of such authorities would be the UK the Foreign, Commonwealth and Development Office (FCDO) or the World Health Organisation (WHO). Information on these bodies can be found at: www.gov.uk/foreign-travel-advice and www.who.int/ith/en

For Standard Annual Multi Trip users: No. There is no protection whatsoever under the policy if you travel to a country, a specific area or event after a government directive / appropriate authority directive has advised the general public against all or against all but essential travel.

Examples of such authorities would be the UK the Foreign, Commonwealth and Development Office (FCDO) or the World Health Organisation (WHO). Information on these bodies can be found at: www.gov.uk/foreign-travel-advice and www.who.int/ith/en

For Premium or Metal users: Emergency medical treatment costs are covered provided that before your trip started, you were and are not travelling against the travel advice issued by the government of your country of residence.

Q6. My flight is not cancelled but I no longer want to travel because of Covid-19. Can I claim back my flight and hotel costs under my Revolut travel insurance cover?

For Standard Pay-per-Day users: No. There is no cover under your Revolut travel insurance policy to reimburse the cost for trips you decide to cancel. Cover for cancellation or curtailment is not provided under the Revolut Standard Pay-per-Day policy.

For Standard Annual Multi Trip users:

No. There is no cover under your Revolut travel insurance policy to reimburse the cost for trips you decide to cancel. Cover for cancellation or curtailment is not provided under the Revolut Standard Annual Multi Trip policy.

For Premium or Metal users:

No. There is no cover under your Revolut travel insurance policy to reimburse the cost for trips you decide to cancel. For incidents occurring on or after 01/09/2020, cover for cancellation is provided under the Revolut Premium or Metal policy for specific reasons only as follows:

‘We will pay up to £5,000 for any unused travel and accommodation costs which you cannot recover directly if your trip is cancelled or cut short for one of the following reasons.

1. The death, bodily injury, or serious illness of:

a. You;

b. your travel companion(s);

c. any person you have arranged to stay with temporarily, during your trip; or

d. your close relative.

2. You, or your travel companion, doing jury service, or are required to attend a court of law as a witness.

3. You, or your travel companion, are made redundant.

4. The police have asked you to stay at your home due to serious damage to your home caused by fire, aircraft, explosion, storm, flood, subsidence, malicious people or theft.’

Q7. If there is a government directive advising the general public against travel to the destination to which I am booked to travel to due to Covid-19, can I claim back my flight and accommodation costs under my Revolut travel insurance policy?

For Standard Pay-per-Day users: No. There is no cover under your Revolut travel insurance policy to claim costs relating to a cancelled trip. Cover for cancellation or curtailment is not provided under the Revolut Standard Pay-per-Day policy. In this case, you should contact your airline and / or your accommodation providers

For Standard Annual Multi Trip users: No. There is no cover under your Revolut travel insurance policy to claim costs relating to a cancelled trip. Cover for cancellation or curtailment is not provided under the Revolut Standard Annual Multi Trip policy. In this case, you should contact your airline and / or your accommodation providers.

For Premium or Metal users: No. There is no cover under your Revolut travel insurance policy to claim costs relating to a cancelled trip due to Covid-19. In this case, you should contact your airline and / or your accommodation providers.

For incidents occurring on or after 01/09/2020, cover for cancellation is provided under the Revolut Premium or Metal policy for specific reasons only as follows:

‘We will pay up to £5,000 for any unused travel and accommodation costs which you cannot recover directly if your trip is cancelled or cut short for one of the following reasons.

1. The death, bodily injury, or serious illness of:

a. you;

b. your travel companion(s);

c. any person you have arranged to stay with temporarily, during your trip; or

d. your close relative.

2. You, or your travel companion, doing jury service, or are required to attend a court of law as a witness.

3. You, or your travel companion, are made redundant.

4. The police have asked you to stay at your home due to serious damage to your home caused by fire, aircraft, explosion, storm, flood, subsidence, malicious people or theft.’

Q8. If I am travelling and there is an outbreak of Covid-19 at my trip destination after I have arrived, can I claim a new flight cost to return me to my country of residence earlier than I originally booked?

For Standard Pay-per-Day users: No. There is no cover under your Revolut travel insurance policy to claim costs relating to modifying your trip. Your travel provider may offer free changes of itinerary where a Government has advised its citizens to return home. You should contact your travel provider to discuss this. Cover for cancellation or curtailment is not provided under the Revolut Standard Pay-per-Day policy.

For Standard Annual Multi Trip users: No. There is no cover under your Revolut travel insurance policy to claim costs relating to modifying your trip. Your travel provider may offer free changes of itinerary where a Government has advised its citizens to return home. You should contact your travel provider to discuss this. Cover for cancellation or curtailment is not provided under the Revolut Standard Annual Multi Trip policy.

For Premium or Metal users: No. There is no cover under your Revolut travel insurance policy to claim costs relating to modifying your trip if there is an outbreak of Covid-19 at your trip destination. Your travel provider may offer free changes of itinerary where a Government has advised its citizens to return home. You should contact your travel provider to discuss this.

There is only protection under the policy for cutting short your trip if you fall seriously ill (or suffer a bodily injury) during your trip. You must contact the emergency assistance services immediately if you are admitted to hospital or before any arrangements are made for your repatriation. There is no cover under this policy for expenses incurred by you without getting our approval beforehand.

Q9. If I am travelling and there is an outbreak of Covid-19 at my trip destination after I have arrived there, am I covered to change accommodation or claim for other lost activities or excursions?

For Standard Pay-per-Day users: No. There is no cover under your Revolut travel insurance policy to claim any costs you incur to change resorts, change accommodation or to refund lost activities or excursions. Cover for cancellation or curtailment is not provided under the Revolut Standard Pay- per-Day policy.

For Standard Annual Multi Trip users:

No. There is no cover under your Revolut travel insurance policy to claim any costs you incur to change resorts, change accommodation or to refund lost activities or excursions. Cover for cancellation or curtailment is not provided under the Revolut Standard Annual Multi Trip policy.

For Premium or Metal users: No. There is no cover under your Revolut travel insurance policy to claim any costs you incur to change resorts, change accommodation or to refund lost activities or excursions. For incidents occurring on or after 01/09/2020, cover for cancellation is provided under the Revolut Premium or Metal policy for specific reasons only as follows:

‘We will pay up to £5,000 for any unused travel and accommodation costs which you cannot recover directly if your trip is cancelled or cut short for one of the following reasons.

1. The death, bodily injury, or serious illness of:

a. You;

b. your travel companion(s);

c. any person you have arranged to stay with temporarily, during your trip; or

d. your close relative.

2. You, or your travel companion, doing jury service, or are required to attend a court of law as a witness.

3. You, or your travel companion, are made redundant.

4. The police have asked you to stay at your home due to serious damage to your home caused by fire, aircraft, explosion, storm, flood, subsidence, malicious people or theft.’

There is only protection under the policy for cancelling or cutting short your trip if you fall seriously ill (or suffer a bodily injury) during your trip. You must contact the emergency assistance services immediately if you are admitted to hospital or before any arrangements are made for your repatriation. There is no cover under this policy for expenses incurred by you without getting our approval beforehand.

Q10. I have just noticed that there is a government directive restricting travel to a specific area that I plan to travel to. I want to protect myself in case I fall ill with Covid-19, so it is too late for me to activate or buy Revolut travel insurance for that specific location?

For Standard Pay-per-Day users: Yes, it is too late. There is no protection whatsoever under the policy if you travel to a country, a specific area or event where there is a government directive / appropriate authority directive advising the general public against all or against all but essential travel. Examples of such authorities would be the UK the Foreign, Commonwealth and Development Office (FCDO) or the World Health Organisation (WHO). Information on these bodies can be found at: www.gov.uk/foreign-travel-advice and www.who.int/ith/en

For Standard Annual Multi Trip users: Yes, it is too late. There is no protection whatsoever under the policy if you travel to a country, a specific area or event where there is a government directive / appropriate authority directive advising the general public against all or against all but essential travel. Examples of such authorities would be the UK the Foreign, Commonwealth and Development Office (FCDO) or the World Health Organisation (WHO). Information on these bodies can be found at: www.gov.uk/foreign-travel-advice and www.who.int/ith/en

For Premium or Metal users: If you have not subscribed to a Metal or Premium account, Yes, it is too late. We will not pay for claims under any section of cover that arise directly or indirectly due to any circumstances you were aware of at the time of taking out your Metal or Premium account that could reasonably be expected to give rise to a claim. Further we will not pay for claims under any section of cover that arise directly or indirectly due to any circumstances you were aware of at the time of booking or commencing a trip that could reasonably be expected to give rise to a claim.

If you have already subscribed to a Metal or Premium account, emergency medical treatment costs are covered, provided that before your trip started, you were and are not travelling against the travel advice issued by the government of your country of residence.

Q11. Who can I contact if I have more questions about filing new or inquiring about existing insurance claims?

For Standard Pay-per-Day users: For additional information, you can connect with White Horse at the numbers below:

For medical emergencies Phone no.: +44 1733 224956

For non-emergencies Phone no.: +44 1733 224958

For Standard Annual Multi Trip users: For additional information, you can connect with White Horse at the numbers below:

For medical emergencies Phone no.: +44 1733 224956

For non-emergencies Phone no.: +44 1733 224958

For Premium or Metal users:

For additional information, you can connect with White Horse at the numbers below:

For medical emergencies Phone no.: +44 1733 224 956

For non-emergencies Phone no.: +44 2034 257 982

Question 12(i). - Am I covered for any Covid-19 tests that I am ordered / required to take during my trip?

For Standard Pay-per-Day users: Yes, you are covered for Covid-19 tests that you are ordered / required to take. For all claims under the Emergency overseas medical assistance and expenses section, there is an excess of £75. The excess means that this is the first amount of any claim for which you are responsible to pay. The excess will be applicable per covid-19 test undertaken.

There is no protection whatsoever under the policy if you travel to a country, a specific area or event where there is a government directive / appropriate authority directive advising the general public against all or against all but essential travel.

For Standard Annual Multi Trip users: Yes, you are covered for Covid-19 tests that you are ordered / required to take. For all claims under the Emergency overseas medical assistance and expenses section, there is an excess of £50. The excess means that this is the first amount of any claim for which you are responsible to pay. The excess will be applicable per covid-19 test undertaken.

There is no protection whatsoever under the policy if you travel to a country, a specific area or event where there is a government directive / appropriate authority directive advising the general public against all or against all but essential travel.

For Premium or Metal users: Yes, you are covered for Covid-19 tests that you are ordered / required to take. For all claims under the emergency medical expenses section, there is an excess of £50. The excess means that this is the first amount of any claim for which you are responsible to pay. The excess will be applicable per covid-19 test undertaken.

Emergency medical treatment costs are covered provided that before your trip started, you were and are not travelling against the travel advice issued by the government of your country of residence.

12(ii) - I had a Covid-19 test in my country of residence, I have landed abroad, and received notification of a positive Covid-19 result, am I covered for emergency medical costs and / or curtailment costs?

For Standard Pay-per-Day users: No. We will not pay for claims which are in any way related to any pre-existing medical condition which existed at the latest date of either: - the date and time of you booking a trip or; - the start date of any trip. Further there is no cover for any claim(s) if you are travelling against professional medical advice or would be travelling against the advice of a medical practitioner had you asked their advice.

For Standard Annual Multi Trip users: No. We will not pay for claims which are in any way related to any pre-existing medical condition which existed at the latest date of either: - the date and time of you booking a trip or; - the start date of any trip. Further there is no cover for any claim(s) if you are travelling against professional medical advice or would be travelling against the advice of a medical practitioner had you asked their advice.
For Premium or Metal users: No. We will not pay for claims which are in any way related to any existing medical condition which existed at the latest date of either: - the date and time of you booking a trip or; - the start date of any trip. Further there is no cover for any claim(s) if you are travelling against professional medical advice or would be travelling against the advice of a medical practitioner had you asked their advice.