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Policy Wording

Insurance Product
Information Documents:



Premier ST

Premier AMT

Terms of Business

Coronavirus Fact Sheets:

Essential & Classic


Important Information

  1. Coronavirus (Covid-19):

    All our policies include cover for any medical claim due to Coronavirus while travelling (including having to cut your trip short) and for cancellation claims if you either test positive for Coronavirus within 14 days of your trip departure date or you being admitted to hospital due to testing positive for Coronavirus since you purchased your policy; 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.

    Click here to read the Coronavirus Fact Sheets for Essential & Classic or Premier cover, which outline in detail the Coronavirus cover that we offer.

    Please be aware: There is no cover under our policies if (having no symptoms of or you 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 testing positive for Coronavirus.

  2. Travel against FCDO advice:

    Our policies 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 (see the ‘Geographical Areas’ within the policy document) 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

  3. Cruise cover:

    There is no cover provided for cruises unless you have 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.