Covid-19/SARs-CoV-2 Cover Extension

Tailor Your Policy by selecting this Optional Cover on your quotation. This optional extension could be useful if you wish to be covered for COVID-19 before and whilst on a Trip.

Winter Sport
Option

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Business Cover
Option

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Sport Equipment
Cover

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Covid
Cover

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Gadget
Cover

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Terrorism
Disruption

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Wedding
Cover

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One-Way Trip
Extension

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Golf
Cover

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Car
Cover

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Section 16 only applies if You have opted to purchase the COVID-19 and SARS-CoV-2 cover extension and it is shown in Your Schedule of Insurance. In this case General Exclusion 26 on Page 17 will not apply.

SECTION 16.1 – Cancellation

WHAT IS COVERED

PRIOR TO TRAVELLING:

We will pay any irrecoverable or unused travel and accommodation expenses for which You have paid in advance or for which You have contracted to pay, up to the sum insured shown on Your Schedule of Insurance, if:

  1. You, or any person named on the policy or a Relative living at the same residential address, or a child or parent who is due to travel with You and has an existing Europesure policy which includes this optional cover, is hospitalised up to 28 days before Your Trip and the dates of Your Trip are shown In Your Schedule of Insurance or
  2. You, or any person named on the policy or a Relative living at the same residential address, or a child or parent, who is due to travel with You and has an existing Europesure policy which includes this optional cover, has had a COVID test administered by a professional at a registered facility and has tested positive for COVID-19 or SARS-CoV-2 up to 14 days before Your Trip and You have to quarantine/self-isolate and the dates of Your Trip are shown In Your Schedule of Insurance or
  3. You, or any person named on the policy or a Relative living at the same residential address, or a child or parent, who is due to travel with You and has an existing Europesure policy which includes this optional cover, shows symptoms of COVID-19 at the point of departure for Your Trip and are denied boarding. This is subject to all the following

i. Your transport or accommodation provider not reimbursing You or offering alternative dates
ii. written evidence from Your transport provider that You, or any person named on the policy or a Relative living at the same residential address or a child or parent who is due to travel with you and has an existing Europesure policy which includes this optional cover, has been denied boarding due to potential COVID-19 infection and
iii. a positive COVID-19 test being administered by a professional at a registered facility within 24 hours of this denial at Your expense

SECTION 16.2 – Extended Stay

WHILST TRAVELLING:

We will pay:

16.2.1 additional accommodation costs (of a standard no greater than Your original booking) up
to the amount shown in Your Schedule of Insurance and
16.2.2 the additional cost of return transportation to Your Home Country (of a standard no greater than the class of journey and in the same mode of transport You originally paid for) up to the amount shown in Your Schedule of Insurance if:
a. You, or any person named on the policy or a Relative, who is travelling with You and has an existing Europesure policy which includes this optional cover, or any person whose home You have stayed in, or any person with whom You have conducted business, contracts COVID-19 during Your Trip or You are required to follow a personal “track and trace” directive and You are forced to quarantine/self-isolate in accordance with local regulations and cannot make the return journey on the planned date. This is subject to the following:
i. You providing evidence of a COVID-19 diagnosis and/or
ii. You providing evidence of the requirement to quarantine
iii. Your transport or accommodation provider not reimbursing You or offering alternative dates.

b. You, or any person named on the policy or a Relative, who is travelling with You and has an existing Europesure policy which includes this optional cover, show symptoms of COVID-19 at the point of departure for Your return Trip and are denied boarding. This is subject to all the following:
i. Your transport or accommodation provider not reimbursing You or offering alternative dates
ii. written evidence from Your transport provider that You have been denied boarding due to potential COVID-19 infection and
iii. a positive COVID-19 test being administered by a professional at a registered facility within 24 hours of this denial at Your expense

SECTION 16.3 EMERGENCY MEDICAL, REPATRIATION AND OTHER EXPENSES

We will pay up to the amount shown in Your Schedule of Insurance for Emergency Medical, Repatriation and Other Expenses under Sections 2.1 – 2.4 if you catch COVID-19 whilst on Your Trip.

WHAT IS NOT COVERED UNDER SECTION 16

In addition to the General Conditions and Exclusions on pages 14 to 19 :

  1. There is no cover if the requirement to quarantine/self-isolate is a general requirement for all persons staying in a specific accommodation or a general lockdown in the region in which You are staying and which is not subject to a personal “track and trace” directive..
  2. There is no cover if You cannot make the return journey on Your planned return date because of a legal restriction on outbound travel by the government or local authority in the country in which you are staying.
  3. Conditions and Exclusions applicable to Section 1 on pages 24 and 25.
  4. Exclusions applicable to Section 2 on page 26.
  5. Cover under any other Section of this Policy.

Important!

If you purchase a single Trip policy the extension must be purchased at the time of purchase.

Annual Multi Trip policyholders can purchase the extension at any time during the validity period of the policy. Every trip for which the Covid-19 extension is required must be registered with Europesure and noted individually in the policy documentation and the additional premium paid.

Please check our Policy Wording for full details.

Covid-19/SARs-CoV-2 Cover Extension

Silver Cover

Gold Cover

Platinum Cover

Excess

Cancellation / Curtailment £/€1,500 £/€2,500 £/€5,000 £/€100 or 50
Accommodation £/€50 per 24 hours up to 700 £/€100 per 24 hours up to 1,400 £/€150 per 24 hours up to 2,100 Nil
Transport costs £/€300 Europe 500 worldwide £/€600 Europe 1,000 worldwide £/€900 Europe 1,500 worldwide Nil
Emergency Medical, Repatriation and Other Expenses (cover as Sections 2.1 -2.4) £/€1,000,000 £/€3,500,000 £/€10,000,000 £/€100 or 50