COVID-19 frequently asked questions

Latest update

The rules for travel can change unexpectedly in relation to COVID-19 restrictions, both in the UK and abroad so before booking any trip, it's important to make sure you fully understand the financial risks, and book with flexible options wherever possible.

Travel insurance protects you against unforeseen and unexpected events, but not all situations are covered. Please make sure you understand the terms and conditions of your booking and your travel insurance policy.

Foreign, Commonwealth and Development Office (FCDO) advice

Under the terms of the policy, it is essential you check the FCDO website for your destination, before you book a trip or purchase your travel insurance (whichever is later). Under your policy terms and conditions, you won’t be covered for any claim if you travel against FCDO or other government advice.

FCDO travel advice gives you COVID-19 guidance and tells you about the risks of travelling abroad. Their advice is constantly being reviewed, and they may advise against non-essential travel to some countries and territories.

Different countries have different entry requirements – for example, you might need a negative COVID-19 test or proof of vaccination to enter. You can stay up to date with the latest foreign travel advice on the GOV.UK website.

Telling us if you’ve had COVID-19

Every time you are about to book a trip, and again before you travel, it’s important that you check the “Your health” section of your policy documents to make sure you have told us everything we need to know about the health of each insured person.

Before booking a trip

You need to tell us about any diagnosed illness, injury or disease where in the 12 months before opening your account or booking a trip (whichever is later) an insured person has.

If you or anyone covered by your policy has previously tested positive for COVID-19, you’ll need to tell us if you've:

  • been prescribed medication by your doctor for COVID-19, 
  • visited hospital or A&E for COVID-19, or 
  • been referred for investigations or treatment for COVID-19.

If this applies to you or anyone covered by your policy, you’ll need to tell us and we’ll ask you some medical screening questions to confirm if we can offer cover. You should check the Your health section of your policy documents.

Silver Account customers

There is no cover for any medical conditions or symptoms you had or have had at the time a trip is booked. You should check the Your health section of your policy booklet for further details around what you’re covered for.

Frequently asked questions

Here you’ll find answers to your specific questions about COVID-19. Please read through all the questions so you’re clear what exclusions and restrictions apply, as more than one scenario may be relevant to you.

If I test positive for COVID-19, am I covered to cancel my trip?

If I get COVID-19 while on holiday, am I covered for medical treatment?

If I’m unexpectedly quarantined abroad or onboard a cruise ship because of a positive test result, am I covered?

Am I covered to travel to a country if FCDO advice against travel is in place?

If an overseas government closes its borders to travellers from the UK, or brings in restrictions such as a lockdown or quarantine requirements, can I cancel my trip?

If I can’t travel because I don’t meet the COVID-19 entry requirements for the country I’m travelling to, am I covered to cancel?

My tour operator has asked me to provide proof of travel insurance. Where can I get this?

How do I make a claim?

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