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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 about the impact of coronavirus.

The guidance covers all of our travel policies: first directory Current Accounts with Worldwide Travel Insurance and first direct retail policies.

Last updated: 28 June 2021


FCDO – Foreign and Commonwealth and Development Office advice

Under the terms of the policy it is essential you check the FCDO Foreign, Commonwealth and Development Office website  for your destination before you book your trip.  FCDO travel advice sets out Covid-19 guidance and support and other risks that you may face if you travel abroad.  Advice is under constant review and for travel to some countries and territories the FCDO continues to advise against all non-essential international travel. Countries have different entry requirements, for example, 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.

You will not be covered for any claim, if you travel against FCDO advice.

Stay up-to-date with the latest foreign travel advice.

What would be considered as essential travel?

We would not consider a holiday or leisure trip as essential travel. This is in line with current government guidelines for Covid-19 and the FCDO. However, each case is based on individual circumstances with the onus on the insured to demonstrate that travel is essential. Urgent family commitments (for example to provide care for vulnerable dependants or for compassionate reasons) would be considered essential. 

Red, Amber & Green Traffic light system for return to the UK

It is essential that you check the entry requirements for return to the UK- the Traffic light system.  England, Wales, Scotland and Northern Ireland have slightly different rules and you need to be aware of the rules that apply to you. 


FCDO and Traffic light questions



Quarantine and Self-Isolations



Covid-19 and Vaccinations



Proof of cover (also known as Confirmation of Cover)



Refunds – Retail only