Covid-19 - what our travel insurance covers
Our travel insurance now covers you for certain events related to Coronavirus (COVID-19), provided you have proof of a positive Covid-19 test and your cover is active at the time of theevent.
What we cover
We provide cover for some costs related to Covid-19: please see Section 1 'emergency medical costs and repatriation' and Section 2 'cancelling or cutting short your trip' in your policy book for full details on what's covered.
We'll cover you if:
- you were diagnosed with Covid-19 before your trip was due to start
- a close relative died or became seriously ill as a result of Covid-19 before your trip was due to start
- you weren't allowed to board your pre-booked outbound travel due to symptoms of Covid-19
- an insured person or a close relative died during the trip because of Covid-19
- you couldn't take part in an excursion due to you self-isolating after getting Covid-19
What we don’t cover
You won't be covered if:
- you had reason to believe your trip may be cancelled, postponed or cut short when you booked it, purchased your policy or started your trip
- any government or public authority imposes travel restrictions or quarantine on a community, location, or vessel because of Covid-19 (this includes, but is not limited to, local lockdowns, entry requirements, being denied entry and airspace closures)
- you have to quarantine after arriving in the UK or abroad
- the Foreign Commonwealth & Development Office (FCDO) change their advice to avoid ‘all travel’ or ‘all but essential travel’ to your destination because of Covid-19
For more information about how Coronavirus (COVID-19) affects your travel cover, see our FAQ page. And remember to check the policy booklet carefully before you buy to make sure our cover meets yourneeds.
What are the benefits of Admiral TravelInsurance?
- Three levels ofcover
- Secure onlinebooking
- 24-hour emergency assistancehelpline
- Cancellation CoverUp to £5,000 depending on cover level
- Personal BelongingsUp to £2,500 depending on cover level
Single Trip Insurance is the perfect way to get covered if you don't travel often. Choose from three levels of cover: Admiral, Admiral Gold or AdmiralPlatinum.
If you plan on taking a few holidays in the next 12 months, our Annual Multi-Trip Travel Insurance cover may suit youbetter.
What’s covered by Single TripInsurance?
Here are the benefits included in our Single Trip Travel Insurance (excesses apply). Read the full list in the policy summarybooklet.
- Sports and activities
- Emergency medical and repatriation
- Travel and accommodation expenses
- Cancelled trips
- Personal belongings
- Delayed or missed departures
- Money and documents
- Personal accidents
- Legal liability
- Legal assistance
You can choose from Admiral, Admiral Gold or Admiral PlatinumCover.
Admiral | Admiral | Admiral | |
|---|---|---|---|
Emergency medical treatment&repatriation (Limits upto) | £10M | £15M | £20M |
Cancellation or cutting short your trip (Limits upto) | £1.5K | £3K | £5K |
Personal belongings (Limits upto) | £1K | £2K | £2.5K |
Money & documents (Limits upto) | £300 | £400 | £500 |
Whether you want the adrenaline rush of a skiing holiday, or fancy taking to the seas on a cruise, you'll need to add extra cover to your policy. Our Winter Sports Upgrade or Cruise Upgrade need to be added otherwise your trip won't becovered.
Do I need travel insurance if I have a European or Global Health InsuranceCard?
Yes, you do. Research by the Foreign Office shows 48% of holidaymakers don't realise that without travel insurance they'd be liable to pay for their own medical cover abroad. Many people believe they're covered just by carrying their European Health Insurance Card (EHIC) if it’s still in date, or the new Global Health Insurance Card (GHIC) that’s replacingit.
However, if you need medical attention the chances are only part of the costs will be taken care of. The EHIC and GHIC aren't an alternative to travel insurance and they won't cover potentially expensive costs such as mountain rescue in ski resorts, flights back to the UK, or lost or stolenproperty.
What happens if my holiday iscancelled?
Depending on the cover option you choose – Admiral, Admiral Gold, or Admiral Platinum – you'll receive up to £5,000 to cover the costs of your trip, including:
- Deposits or package holiday cancellation charges
- Accommodation and travel costs
- Car hire
- Excursions and activities
- Reasonable cancellation charges for kennel, cattery or professional pet sitter costs
- Car parking fees
You can claim on your travel insurance if you’ve cancelled your trip for one of these reasons:
- Death, illness, injury or complications of pregnancy or childbirth
- Court cases and quarantine
- You were made redundant from the place you’ve worked for two or more years
- You (or your travel companion) are in the Armed Forces or Emergency Services and your leave was cancelled due to an emergency
- Your home was seriously damaged by fire, storm or flood or burgled in the seven days before you’re due to leave for your trip
- Your passport/visa is stolen seven days before your holiday and you can’t get a replacement in time
- FCO advice on travelling to that country changes to advise against ‘all but essential travel’ or ‘all travel’
Find out more about claiming if your trip is cancelled in the policy booklet.
Are there anyexclusions?
Like any insurance policy there are some things that aren't covered by Admiral Single Trip Travel Insuranceincluding:
- Claims made as a result of drug-use or drinking too much alcohol
- Failure to tell us about any pre-existing conditions
- Claims resulting from an illegal or criminal act carried out by thepolicyholder
- Losses or expenses you can recover from elsewhere, or are more specifically insured by anotherpolicy
You can read the full list of exclusions in your policydocuments.
What if I have a pre-existing condition?
A pre-existing condition is a short or long term illness or injury you have or have had before you buy travel insurance. This includes having symptoms, tests, diagnosis or medical treatment for acondition.
You can declare your pre-existing conditions during the quote process to see if we can offer cover. If you’re unsure what needs to be declared or if you're unable to find your condition on the medical conditions list, please contact us on 0333 2349913.
Your pre-existing conditions won’t be covered unlessyou’ve:
- Declared them all on yourpolicy
- Received written confirmation that we’ll cover your medicalcondition
- Paid any additional premium infull
Policy terms and conditions apply. Please note, if you’ve had a positive diagnosis of Covid-19 and been prescribed medication, received treatment, or had a consultation with a doctor or hospital specialist for any medical condition in the past two years, this needs to be declared on yourpolicy.
If you don’t tell us about your pre-existing conditions or give us incorrect information, your policy may be invalid, and we may refuse all or part of any claim yousubmit.
For a quote with us, click the green button above.
The MoneyHelper directory
If you require cover for more serious medical conditions, MoneyHelper may be able to help you find specialist travel insurance through their medicaldirectory.
If you wish to get in touch with them you can call them on 0800 138 7777 or find them online. (Monday to Friday 8:00-18:00, closed on Saturday, Sunday and bankholidays.)
How do I get aquote?
Call 03332349913 for a Single Trip Travel Insurance quote or buyonline.
Your questions answered
We're sure you'll love our great products but maybe you have a few questions. You can find answers in thissection.
What is single trip travel insurance?
If you’re not a frequent traveller and will take one holiday a year, this type of cover might be better for you than an annual policy which covers numerous trips over the year. Both give protection against things like cancelled trips, lost luggage and a host of sporting activities
When should my single trip travel insurance start?
Your cover begins on the day you selected for it to start and finish (your holiday dates), but your cancellation period starts from the date you bought the cover.
Does travel insurance cover alcohol-related accidents?
Accidents and illnesses caused by drinking too much alcohol aren’t covered by your policy.
Does travel insurance cover repatriation?
Yes, Admiral’s holiday insurance covers emergency medical treatment and repatriation as standard. Our emergency assistance service may arrange for your repatriation to your home area if our medical adviser or the doctor treating you thinks it’s safe. The amount covered depends on the tier you choose:
- Admiral: up to £10m
- Gold: up to £15m
- Platinum: up to £20m
What does single trip travel insurance mean?
Single trip travel insurance covers you for one trip only, lasting up to 365 days. You must set off from and return to the UK.
This is different to an annual travel insurance policy, which covers all the trips (up to 31 days at a time) you take in 12 months.
Can I get one-way travel insurance?
No, Admiral doesn't offer one way travel insurance. To buy our cover, you'll need to be travelling from and returning to theUK.
