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Here, you’ll find all the information and guidance you’ll need when it comes to coronavirus and your travel insurance. If you still can’t find the answers you’re looking for, check out our Frequently Asked Questions or get in touch.

And remember, before you book a trip or travel, check the latest Foreign, Commonwealth & Development Office (FCDO) guidance Link opens in a new window. If the FCDO is advising against all but essential travel to your destination, your travel insurance won’t cover you.

Here’s what you’re covered for

Here’s a summary of what you are and aren’t covered for when it comes to coronavirus. For all the detail, read your Club M Account Insurance Policy Wording Link opens in a new window.

  • You’re covered for cancelling your trip or cutting your trip short if you fall ill with coronavirus (as long as you didn’t know you had, or were not in the process of being tested for, the illness at the time of booking your trip).
  • You’re covered for emergency medical expenses if you fall ill with coronavirus while you’re away (subject to policy terms and conditions). This includes cover for reasonable and necessary additional travel expenses to return home to the UK – for you, your partner and up to four dependant children if they’re travelling with you.

Here’s what you’re not covered for

  • You won’t be covered if you’re cancelling your trip because the FCDO is advising against ‘all but essential travel’ to your destination. But you still have options. Speak to your travel provider (tour operator, accommodation provider, airline, or travel agent) for a refund or to see if they can change your booking. If you paid for any part of your trip with your credit or debit card, check with your card provider to see if you’re entitled to a refund.
  • You won’t be covered for claims due to travel restrictions or quarantines as a result of the coronavirus pandemic.
  • Your travel insurance also won’t cover you if you change your mind and decide not to travel.

Need to make a claim?

To make a claim, call AIG on 01273 740982 (Monday to Friday between 9am and 5pm) or email virginmoneytravelclaims@aig.com. To make sure things go as smoothly as possible, make sure you have all the right documentation to hand.

When submitting a claim, AIG will ask for:

  • Your original booking, and which parts of it are non-refundable
  • Cancellation invoices for all parts of your holiday (such as flights, accommodation, car hire)
  • Correspondence and medical records from your doctor or medical practitioner
  • Evidence of a positive COVID-19 test result (where you are making a claim due to contracting coronavirus)

Remember, travel insurance only covers you for non-refundable costs. Therefore, you should contact your travel provider (tour operator, accommodation provider, airline, or travel agent) in the first instance for a refund. If you paid for any part of your trip with your credit or debit card, you could also check with your provider to see if you’re entitled to a refund.

AIG will consider each claim based on the individual facts and circumstances surrounding the events.

Concerned you might have coronavirus symptoms?

As part of your travel insurance cover, you have access to the Virtual Medical Care service, which can provide you, your partner or dependant children with unlimited, 24/7 access to a GP who can give information and advice.

You can access the Virtual Medical Care service by phoning 0203 499 0658, downloading the Virtual Medical Care App or visiting the website at virtualmedicalcare.co.uk Link opens in a new window. You will need to use your sort code as your reference/policy number.

Frequently asked questions

Travel insurance only covers non-refundable costs.

However, your travel provider (tour operator, accommodation provider, airline, or travel agent) should provide you with a refund if they cancelled your trip. If you paid for any part of your trip with your credit or debit card, you could also check with your provider to see if you are entitled to a refund.

Yes – however, travel insurance only covers you for non-refundable costs. Therefore, you should contact your travel provider (tour operator, accommodation provider, airline, or travel agent) in the first instance for a refund. If you paid for any part of your trip with your credit or debit card, you could also check with your provider to see if you’re entitled to a refund.

No, you won’t be covered and can’t make a claim if you decide to travel to a destination against FCDO advice. This applies even if the FCDO guidance wasn’t in place when booked your trip, but is in place by the time you’re due to travel.

Sorry, your travel insurance won’t cover you for cancellation if you change your mind and decide you no longer want to travel. This is because ‘disinclination to travel’ isn’t covered under your policy terms and conditions.

Please contact AIG on 01273 740982 (Monday to Friday between 9am and 5pm) or email virginmoneytravelclaims@aig.com – they will review and consider your individual circumstances and will let you know if you can make a claim.

No – you’ll not be covered for cancellation of your trip if you’re not able to comply with quarantine or self-isolation measures. This is because it’ll be considered as ‘disinclination to travel’, which isn’t covered under your policy terms and conditions.

Yes – you can claim for emergency medical expenses if you become seriously ill with COVID-19. You can also claim for reasonable and necessary travel expenses incurred as a result of becoming ill.

Yes – you can make a claim for you, your partner living with you and up to four dependants in these circumstances. Your partner must be under the age of 75 and your dependants must be under the age of 18 and either living with you or in full-time education. You are not able to claim for anyone else, even if you booked the trip for them.

Yes – trips cancelled or cut short as a result of a serious illness, including testing positive for coronavirus, are covered. This includes the serious illness of a person you have booked to travel with or a friend living abroad who you had planned to stay with.

No – if you or a member of your family needs to self-isolate, you won’t be covered for cancellation of your trip. This is because quarantine and any requirement to self-isolate is not covered under your policy terms and conditions.

No – you’ll not be covered for cancellation of your trip. This is because the requirement to quarantine is not covered under your policy. Also you will not be covered for any costs incurred by having to quarantine in a hotel when returning to the UK.