COVID-19 : What is covered under the policy:
The world is a very different place to what it was in early 2020! We know that lots of our customers are keen to get away to foreign shores again, so please read below to see what is and isn’t covered with regards to COVID-19 (or any mutations).
Emergency Medical Expenses and Repatriation
If you fall ill with COVID-19 whilst doing the activity for which you have taken out the policy, and require emergency medical expenses care and / or repatriation to the UK, this would be covered under the policy, as long as the FCDO are not advising against all but essential travel, or against all travel to the country or area which you are visiting.
Cancellation or cutting short your trip
If you are unable to take part in your selected activity, or decide to cut it short for any reason relating to COVID-19, you would not be eligible to claim under the policy, as COVID-19 is now such a widely known contingency, We would however be happy to move your cover date(s) for you free of charge, if you wish to postpone your activity to a later date(s).
Travelling against FCDO advice
Your policy will not cover you if the FCDO are advising against all but essential travel, or against all travel to the country or area where you will be doing your selected activity / sport, unless you are exempt from that advice eg Elite athletes, and you could evidence that in the event of a claim. You can check the FCDO website here: https://www.gov.uk/foreign-travel-advice. We are happy to move your cover dates to future dates for you free of charge if you are postponing your trip.
Quarantine / Self isolation
If you have to quarantine or self isolate before, during or after doing your selected activity, there is no cover for this under the policy.
If your questions are not answered above, during the quote process, or in the FAQs below, please email us at email@example.com or call us in office hours (Monday to Friday 9am to 5.30pm) to discuss.
FOR POLICIES QUOTED AND PURCHASED PRIOR TO 20TH MAY 2021, PLEASE CHECK YOUR INSURANCE SCHEDULE TO SEE WHAT IS COVERED.
WILL MY MEDICAL TREATMENT ABROAD BE COVERED IF I FALL ILL WITH COVID-19?
The Activity TopUp policy is only designed to cover you for doing the specific activity(s) that you have selected cover for in case you get injured or ill doing that activity. If that was the case, and during the course of your treatment for your injury you subsequently contracted COVID-19 and required medical treatment, this would be covered. In that circumstance you would also be eligible to claim for the Inconvenience Benefit section of the cover.
Please note that the policy will only cover you for doing activities in a country / area to which the FCDO say it is safe to trave. If you going to a country or zone to which the FCDO advise against travel, or against all but essential travel, unless you have got permission from us in writing, unfortunately we cannot cover you. Furthermore, you are expected to take all reasonable precautions prior to going on any trips, including having any vaccines for which you are eligible.
I AM ALREADY ABROAD, AND WOULD LIKE TO TAKE OUT COVER FOR AN ACTIVITY NOT COVERED UNDER MY TRAVEL INSURANCE POLICY. WILL YOU COVER ME?
It depends where you are. If you are in a country / area to which the FCDO say it is safe to travel, then you would be covered under the policy for doing your activity. If you are in a country or zone to which the FCDO advise against travel, or against all but essential travel, unless you have got permission from us in writing, unfortunately we cannot cover you. Please note that you are expected to take all reasonable precautions prior to going on any trips, and have any vaccines for which you are eligible.
THE EVENT THAT I WAS PLANNING TO TAKE PART IN HAS BEEN CANCELLED OR POSTPONED DUE TO COVID-19. CAN I CLAIM FOR THIS?
Because COVID-19 is such a known contingency and is still affecting so many events worldwide, unfortunately if your event is no longer taking place because of COVID-19, you would not be able to claim for this. If the event has been postponed and you plan to take part later in the year / next year, where we can, we would be happy to move your dates of cover. This would incur a £5 administration fee. If your new activity dates are longer, or you plan to do your activity in a higher rated zone, this may incur an additional premium. Please email us, quoting your policy no.at firstname.lastname@example.org, or call on 01494 484800
CAN I CANCEL MY POLICY?
There is a 14 day Cooling Off period during which you can cancel and get a refund, assuming that you have not already relied upon the policy for doing your activity and nothing has occurred which might result in a claim. After 14 days, if you have not travelled and there are no potential claims, you can cancel but there would be a cancellation fee.
I BELIEVE THAT I AM ELIGIBLE TO CLAIM UNDER THE POLICY. HOW DO I SUBMIT A CLAIM?
After reading the above guidance, if you have incurred costs that you have not been able to recover from the trip provider(s) or your payment card issuers, please contact our claims handlers to obtain a claim form. Their details are as follows:
Roger Rich and Co.
A claim form can be obtained from their website: www.roger.co.uk
Or email: email@example.com
On call, Mon to Fri: 01494 412401
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