MoneySavingExpert travel warning from Martin Lewis as millions go on summer vacation


The money-saving website urges jet-setters to check they have the right cover for them – and to buy travel insurance as soon as they’ve booked their trip

Very few policies will cover that you cannot travel due to lockdown or a change of travel advisory, MSE has warned

Martin Lewis’ MoneySavingExpert website has issued a travel insurance warning to millions of Britons planning summer holidays.

MSE is urging jet-setters to check they have the right cover for them – and to take out travel insurance as soon as they have booked their trip.

the coronavirus The pandemic has seen travel plans thrown into the air for millions, and overseas flights have never been more confusing thanks to ever-changing rules.

But if you’re planning a holiday abroad, MoneySavingExpert has put together a list of coronavirus-related issues you’re likely to be covered for by certain providers — and those you won’t.

Of course, these aren’t general rules for all travel insurance companies, which means you’ll need to check the terms and conditions of your policy carefully.







Traveling abroad has never been so confusing thanks to changing coronavirus rules
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Picture:

Getty Images)


In general, MSE says most travel insurance companies will cover you if you, or your family, have caught coronavirus before you travel.

Some insurance policies will now also cover you if you have been asked to self-isolate by the Test and Trace service or have been ‘pinged’ by the NHS app.

Some will also cover expenses – such as medical bills or if you can’t return home – if you or your family catches Covid abroad.

But very few policies will cover that you cannot travel due to lockdown or a change in travel advice, MSE warned.

Likewise, no policy will refund your tip if you refuse to go because you’ll need to self-isolate when you get home, or if you don’t want to travel because you don’t feel safe.

Finally – and this is a general rule – if you decide to leave and the Ministry of Foreign Affairs has warned against all travel to your destination, you will not be covered unless you have specialist insurance.

If the Foreign Office advises against ‘all but essential travel’ or ‘all travel’, this may trigger a refund, depending on how you booked your trip.

Package travel companies should reimburse you, but this is not always the case with individually booked flights and hotels, as you do not have the same protection.

It’s always worth asking your airline and hotel for a refund, as many will cancel trips and offer refunds.

For the cheapest travel policies right now, MSE says it has found unique travel cover from Leisure Guard, Coverwise (Bronze) and CoverForYou (Silver) which costs £9 per week for someone traveling within Europe.

Keep in mind these are basic levels of cover, so you’ll need to check the wording of the policy to see exactly how you’re protected.

It should also be noted that if you are over 65, travel insurance prices will increase as you are considered a higher risk to cover.

MSE said: ‘Summer holidays abroad are back for many, and that means sun, sea, sand and… sorting out your travel insurance.

“For years we have stressed the importance of buying a policy as soon as you book, so that you are covered if you need to cancel before you go.

“That message still stands, although this year it is also crucial to know what Covid cover is included.”

How to find cheap travel insurance

You can use a search comparison website such as Compare the market Where Money supermarket to check the latest travel insurance prices.

You’ll need to enter details about yourself, such as your age, as well as information about your trip, including where you’re going and for how long.

Remember to check the level of cover carefully, as the cheapest policies may not offer all the protection you need.

For example, you’ll need to consider the levels of medical and cancellation coverage, as well as the amount of personal effects insurance you get.

It can be tempting to purchase travel insurance without looking at a lengthy policy document, but you should never take the risk.

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