Policies purchased from the 6 September 2020 to the 30 March 2022

• Cancellation within 14 days of your trip if you test positive for coronavirus
• Cancellation if a close relative^ passes away after testing positive for Covid-19
• Curtailment if you test positive for covid-19 at your outward departure point and are not allowed to go on your trip
• Curtailment if you test positive or are medically quarantined for 24 hours or more (Economy, Standard and -Premier levels of cover only)
• Missing a departure or other delays to your trip if you’re waiting for test results and they’re late (with Standard and Premier cover levels only, you must arrive at your departure point within the time stated, and the testing is to take place at your departure point)
• Expenses for emergency medical treatment or extra expenses like repatriation while you’re abroad
• Curtailment if you test positive on arrival at your destination airport (Economy, Standard and Premier levels of cover only)
• Curtailment if a close relative^ passes away while you’re there

Remember, your cover won’t be valid if you travel against the Foreign, Commonwealth & Development Office advice of all or all but essential travel, or against local government advice. So check the latest FCDO advice here and the Government’s UK travel guidelines here.  

^ Close relative: Your spouse, civil partner, or the person with whom you are permanently cohabiting in a marriage-like relationship, son, daughter (including adopted or foster child), mother, father, sister, brother, grandmother, grandfather, grandchild, fiancé(e) and next of kin, including the same in law and step-relations. 

Policies purchased from the 31 March 2022 onwards

• You test positive for Covid-19 within 14 days of your trip and are required to self-isolate by a medical practitioner, the NHS or any UK government body
• A medical practitioner certifies you as too ill to travel due to Covid-19
• You, someone you’re travelling with, or someone you’re staying with is required to self-isolate by a medical practitioner, UK government body or health authority
• You, an immediate relative# or someone you plan to travel or stay with dies or is hospitalised due to Covid-19.

If an insured trip has to be cut short, the unused portion of it can be claimed for if:

• You test positive for Covid-19 after you’ve left the UK and have to self-isolate
• You test positive on arrival in your destination and are not allowed to continue your trip
• You, an immediate relative# or someone you’re travelling or staying with dies or is hospitalised due to Covid-19

There’s also cover for medical and repatriation costs if:

• You fall ill with Covid-19 while away – call our emergency assistance line and we’ll help you seek treatment or, if needed, arrange to bring you back to the UK

There’s no other coronavirus cover on our policies, but for extra reassurance you can add our Covid-19 Cover upgrade option for protection against missed departures and expenses incurred due to change of testing or quarantine requirements to your preferred policy for an additional premium.

Policies sold on or after the 31 March 2022, should the FCDO advise against all travel to your destination, there is no cover under any section of the policy should you travel.  

If the FCDO have advised to only undertake essential travel to a destination and your trip is not essential and you choose to travel, we will only cover a claim if the cause is not linked to the reason for the FCDO advice. This limitation applies even if you have purchased an optional Trip Disruption or Covid-19 upgrade. You may be able to travel with full cover if we authorise in writing that your trip is essential before you depart. Should you like to request this, please email: travelinsurancefeedback@postoffice.co.uk 

Please make sure you’re clear what’s covered and what’s not. Check the answers to common questions about coronavirus cover and the full policy wording for more details.

#Immediate relative: Your mother, father, sister, brother, spouse, civil partner, fiancé/e, your children (including adopted and fostered), grandparent, grandchild, parent-in-law, daughter-in-law; sister-in-law, son-in-law, brother-in-law, aunt, uncle, cousin, nephew, niece, step-parent, step-child, step-brother, step-sister or legal guardian

This is a type of policy that covers you for multiple trips within one year. Depending on your level of cover, there will be a limit* on how long each individual trip you take can be. Please check the policy wording for full details.

This is good for people who travel frequently and don’t want the expense of buying a new policy for each journey they take. Remember that if you travel to different parts of the world with each trip, you will need a policy that covers all of the areas you travel to.

We can offer you a choice of insurance at three different levels.  Economy, Standard and Premier.

If you decide on a Premier policy you will be able to enjoy complimentary airport lounge access or a cash payment if your flight is delayed for one or more hours.<<

Buying an Annual Multi-trip Travel Insurance policy may not be cheaper outright than a Single-trip-policy. But it can be more cost-effective – and therefore cheaper in the long run – because you can take as many trips as you like within the 365-period of insurance, in the UK or overseas. So if you like to travel and expect to do so more than once in a year, it’s worth considering multi-trip cover.

Cancellation cover starts from the start date that you apply to your policy and is shown on your policy certificate. The cover ends when you return to your home.

The period of insurance is for 12 months. In that time you’re covered for each trip you book and undertake within that period, up to the maximum trip duration for your chosen policy.

You may cancel within 14 days of the receipt of your documentation if you have not started a trip, made a claim, or intend to make a claim and we will give you a full refund. If you cancel outside of the 14-day cooling-off period, no premium will be refunded. For Annual Multi-Trip policies the cancellation period is extended up to the start date of the policy, even if this is over 14 days from the date you receive your documentation.

However, discretion may be exercised in exceptional circumstances to provide a refund for unused cover, those exceptional circumstances being bereavement or an unexpected change to your policy resulting in us being unable to continue covering you.

The unused premium will be calculated on a sliding scale basis, as found in your policy wording.

Yes, you can. We’re pleased to partner with Student Beans to offer a student discount. To claim it simply log in with your Student Beans account. Or register for an account first if you don’t already have one, to verify you’re a student. You’ll be given a unique code to enter into the promotion box that appears when getting your travel insurance quote. The discount will be taken off the quote total.