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What’s covered by first direct Travel Insurance?

If you have travel insurance with us, we’ve put together some Frequently Asked Questions (FAQs) about the impact of coronavirus. 

The guidance covers all first direct travel policies - Single Trip, Annual Multi-trip Travel Insurance and first directory Worldwide Travel Insurance.

Last updated: 7 March 2022

Latest update

The rules for travel can change unexpectedly in relation to Coronavirus restrictions, both in the UK and abroad. 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 is designed to protect you against unforeseen and unexpected events, but not all circumstances are covered. Please make sure you understand the terms and conditions of your booking and any travel insurance policy you have or intend to buy.

Foreign, Commonwealth and Development Office (FCDO) advice

Under the terms of the policy it’s essential you check the FCDO website for your destination, before you book a trip or purchase your travel insurance (whichever is later).

FCDO travel advice sets out COVID-19 guidance and support and other risks you may face if you travel abroad. Their advice is being constantly reviewed and they may  advise against all non-essential international travel to some countries and territories. DIffrerent countries have different entry requirements, for example you may require a negative COVID-19 test or proof of vaccination to enter.  You might need to quarantine when you get there or when you get home. Also some countries still aren’t accepting visitors. 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

If you or anyone covered by your policy has previously tested positive for COVID-19, then you only need to tell us about this if you have been prescribed medication by a doctor, visited hospital or A&E or have been referred for investigations or treatment. If this applies to you or anyone covered by your policy, you will need to tell us and we will ask you some medical screening questions and confirm if we can cover the condition. You should check the Your Health section of your policy terms and conditions for full information about existing medical conditions.

Frequently asked questions

Here you’ll find answers to your specific questions around 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.

Find answers to questions on:

  1. Foreign, Commonwealth and Development Office (FCDO) advice
  2. FCDO and Government travel rules
  3. Quarantine and Self-Isolation
  4. COVID-19 and vaccinations
  5. Proof of cover
  6. Claims

Foreign, Commonwealth & Development Office (FCDO) advice



FCDO and government travel rules



Quarantine and self-Isolations



COVID-19 and vaccinations



Proof of cover




Please remember that travel insurance covers you for unrecoverable costs. Your first step should be to contact your airline, travel or accommodation provider to find out what your options are.

If you booked a package holiday which has now been cancelled, the travel provider you booked with should provide you with a full refund of any payments made under the Package Travel Regulations 2018.

If you paid for any part of your cancelled trip with your credit or debit card or PayPal, you may also need to contact your payment provider about obtaining a refund.

Claiming a refund from either your travel operator or your card provider may be better for you than claiming via your travel insurance, as you may be able to claim the full amount you paid without having to pay an excess. You could also potentially recover losses for all the party members on the booking, some of whom may not have taken insurance. You can find out more about this at Money Helper

For any unrecoverable costs, please contact the Aviva claims team, where you can also make a claim online.