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We understand that if you are due to travel soon or if you are abroad already, that you may be concerned about your health and what level of protection your travel insurance gives.

How your travel insurance can help

On the 11th March 2020, the World Health Organisation upgraded the coronavirus outbreak to a worldwide pandemic, and this has now become a “known event” for many insurers. In line with our policy terms and conditions, Virgin Money has categorised coronavirus as a “known event” from 13th March 2020.

How does this impact me?

  • If you purchased your policy before the 13th March 2020, any subsequent claim will be considered in line with the terms and conditions and Foreign and Commonwealth Office guidance.
  • For any element of your trip booked on or after the 13th March 2020, any claims relating to coronavirus will not be covered

If your trip was booked and your policy was purchased before the date shown in the table below, then;

  • Your policy will cover cancellation in the event that the Foreign and Commonwealth Office states that, on your date of departure, they advise against “All but essential travel”. We will allow cancellation claims within 48 hours of your intended date of departure as long as that advice is in place.
  • We’ll pay you for any unused travel and accommodation costs if you have to cancel your trip and any necessary extra travel costs if you have to cut your trip short but please note:
    • we’ll only consider claims where the date you bought your travel insurance policy precedes the date the FCO advised against travel to your intended destination; and
    • we’ll only consider non-refundable expenses on your travel insurance policy so in the first instance you should approach the airline, your tour operator or your travel company for a possible refund/to see if they will amend your itinerary.
Area of TravelDate of FCO advice/Known eventWebsite link
Wuhan province in China23/01/2020

https://www.gov.uk/foreign-travel-advice/china Link opens in a new window

Remainder of mainland China28/01/2020

https://www.gov.uk/foreign-travel-advice/china Link opens in a new window

Daegu/Cheongdo in South Korea24/02/2020

https://www.gov.uk/foreign-travel-advice/south-korea Link opens in a new window

10 small towns in Lombardy, Italy (Cordogno, Castiglione d’Adda, Casalpusterlengo, Fombio, Maleo, Somaglia, Bertonico, Terranova dei Passerini, Castelgerundo and San Fiorano) and one in Veneto (Vo’Eugeneo)25/02/2020

https://www.gov.uk/foreign-travel-advice/italy Link opens in a new window

Northern Italy: Lombardy region (which includes the cities of Milan, Bergamo, Como) and the provinces of Modena, Parma, Piacenza, Reggio Emilia and Rimini (all in Emilia Romagna); Pesaro e Urbino (in Marche); Alessandria, Asti, Novara, Verbano-Cusio-Ossola and Vercelli (all in Piemonte); Padova. Treviso and Venice (in Veneto)08/03/2020

https://www.gov.uk/foreign-travel-advice/italy Link opens in a new window

The whole of Italy09/03/2020

https://www.gov.uk/foreign-travel-advice/italy Link opens in a new window

Maldives - Kuredu, Vilemendhu, Batalaa and Kuramathi Island Resorts10/03/2020

https://www.gov.uk/foreign-travel-advice/maldives Link opens in a new window

Spanish regions - Madrid and La Rioja, and the municipalities of La Bastida and Vitoria (both in the Basque Country) and Miranda de Ebro (in Castilla y León)13/03/2020

https://www.gov.uk/foreign-travel-advice/spain Link opens in a new window

Worldwide13/03/2020

https://www.gov.uk/foreign-travel-advice Link opens in a new window

The information within the table was last updated on 13/03/2020, please refer to the Foreign and Commonwealth Office website for the most up to date information.

If you’re still in the UK and you haven’t travelled yet

Where you can, you should try to get a full refund from your tour operator or travel agent. We’ll only consider non-refundable expenses on your travel insurance policy.

If you want to rearrange your trip dates, and provided you’re not making a claim, we can transfer your policy to a later date to cover the new trip as long as it’s within three months of your original departure date, is for the same or no longer duration, and is to the same geographical area.

Things to remember

  • You’ll need to check your policy terms and conditions to see exactly what cover your policy provides and how much you can claim for, as different policies vary.
  • We can only cover you for the scenarios above if you bought your policy and booked your trip before the FCO’s advice changed to ‘all but essential travel’.
  • If your trip does not involve travel to any of the aforementioned countries or areas where the Foreign and Commonwealth Office are advising against ‘all but essential travel’ to but you are concerned about the risk of going on your trip, please be aware that our travel insurance policies do not provide cover for disinclination to travel. So whilst we sympathise that you may no longer want to travel on your trip, unless the FCO advise against travel to your intended destination there is no cover for cancelling or cutting short your trip.
  • If you’re stuck overseas and you’re unable to return to the UK, your existing policy will automatically extend in line with the terms and conditions for up to 30 days to cover you until you’re reasonably able to return home.

Got a question?

If you have a question about how coronavirus may affect your travel insurance, we have a dedicated set of frequently asked questions for you.

View frequently asked questions

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