Information for policyholders who purchased BMC Travel Insurance before 6pm on 11 March 2020:

Are there added restrictions to the insurance cover?

There are no added restrictions in the cover of existing policies in light of the recent coronavirus outbreak. However, in the event of a serious outbreak of coronavirus the ability of the insurers to react could be very limited because the government of an affected country would probably take over control and treatment with lockdown measures similar already seen around the world. In this event, it might be that the Emergency Medical Helpline are only able to offer limited assistance, but should still be called as they may still be able to assist in management of the case and be able to assist with any other underlying medical conditions that may present following contracting Covid 19.

Journey Disruption including Airspace Closure

In Section 8 of the BMC policy there is cover for irrecoverable costs (£2,500 max) in the event that the FCO / WHO advises against travel to, and evacuation from the intended destination.

Locked down

If you have to remain in a ‘locked down’ region, country or cruise ship, cover will be automatically extended until it is possible for you to return to the UK (for up to 60 days of extension).

What’s covered?

Normal policy terms (including Section 8 see above)

What’s not covered?

• Deciding not to go (in the absence of FCO / WHO advice against travel)
• Travel to a region / country where the FCO / advise against all travel.
• Cancellation due to circumstances already known

Evidence of Cover

Insurance Product Information Document 

If you're still unsure about your own BMC travel insurance coverage please email our team at: insure@thebmc.co.uk

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