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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: 15 October 2021

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. Advice is under constant review and the FCDO continues to advise against all non-essential international travel to some countries and territories. Countries have different entry requirements, eg you may require a negative COVID-19 test or proof of vaccination, and some are still refusing entry. There may also be a requirement for you to quarantine on arrival or return.

Important information

You won’t be covered if you travel against FCDO advice. This exclusion won't apply to some existing policies – please refer to the FAQs.

You can stay up to date with the latest foreign travel advice on the GOV.UK website.

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 Office advice
  2. FCDO and Government travel rules
  3. Quarantine and Self-Isolation
  4. COVID-19 and vaccinations
  5. Proof of cover
  6. Refunds – Retail only
  7. Claims



Foreign Office advice



FCDO and Government travel rules



Quarantine and Self-Isolations



COVID-19 and Vaccinations



Proof of cover



Refunds – Retail only