How does Coronavirus (COVID-19) affect your BMC Travel Insurance policy?

Posted by Jim Krawiecki on 16/09/2021

Now with Covid Cover. Travel has been disrupted around the world since Coronavirus hit the headlines at the beginning of 2020. As travel restrictions to certain countries are being lifted, BMC Travel Insurance is adapting to ‘the new normal’. If you’re planning a trip and have BMC Travel Insurance, what should you know about Coronavirus?

Emergency Medical Expenses

BMC Travel Insurance continues to INCLUDE cover for COVID-19 related claims for emergency medical expenses and repatriation.

New cover for policies bought after 1st September 2021

Additional Covid Cancellation Cover

The latest BMC Travel Insurance policies now have cancellation cover if an insured person has to cancel their trip due to them or their travelling companion being tested positive for COVID-19 (within 14 days of departure). This cover only applies where it is you or a travelling companion who has received a Positive Test for Covid-19 and not if a Close Business Associate, Close Relative or anyone else is suspected of contracting Covid-19 or receives a Positive Test for Covid-19.

There shall be no cover if you or your travelling companion have refused or not taken up an offer of vaccination for Covid-19 (this means both doses) for any reason other than genuine medical grounds.

Additional Covid missed departure or missed connection cover

This section of the cover now includes up to £1,000 for extra transport or accommodation costs to continue your journey, if you miss your outbound or return transport, or you are denied boarding your return flight due to symptoms of an infectious disease (including Covid-19)

As with the cancellation cover, There won’t be any cover if you or your travelling companion have refused or not taken up an offer of vaccination for Covid-19 (this means both doses) for any reason other than genuine medical grounds.

📥 DOWNLOAD: Evidence of Cover

📥 DOWNLOAD: Insurance Product Information Document

For policies bought 1st December 2020 – 31st August 2021

These policies do not cover claims for cancellation, curtailment, delays or journey disruption in any way caused by or resulting from:

a) Coronavirus disease (COVID-19);

b) Severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2);

c) any mutation or variation of SARS-CoV-2;

d) any fear or threat of a), b) or c) above.

This exclusion does NOT apply to Emergency Medical Expenses.

All BMC Travel Insurance policies include cover for COVID-19 related claims for emergency medical expenses and repatriation.

📥 DOWNLOAD: Evidence of Cover

📥 DOWNLOAD: Insurance Product Information Document

For policies bought before 1st December 2020 please contact the BMC office: insure@thebmc.co.uk

 

 

Questions and answers

Q: Will BMC Travel Insurance cover me for places where the Foreign, Commonwealth & Development Office advise against travel?

A: It is important to always check the FCDO has not advised against “all” travel to your destination.

BMC Travel Insurance does not cover any Trip to a destination, which is an area where the Foreign, Commonwealth & Development Office (FCDO) has advised against 'all travel'. However, there is cover for travel to areas there the advice is against ‘all but essential travel’.

 

Q: I’d rather not go on my trip because of coronavirus, can I make a claim? Or can I get a refund of the premium?

A: Where FCDO advice against travel has been lifted, unfortunately you wouldn’t be able to make a claim because you no longer wish to travel.

 

Q: I’d rather not go on my trip because of coronavirus, can I get a refund of the premium?

A: If you bought your policy less than 14 days ago, we can cancel your policy and refund the premium in full. If you bought your policy more than 14 days ago, you are not entitled to a refund but special circumstances could be considered.

 

Q: What happens to Travel Insurance when travel restrictions are lifted?

A: As travel restrictions are eased more people will be looking book trips abroad. BMC Travel Insurance is ready when you are! Enhanced cover for cancellation and missed departure are included in the latest polocies, as well as all of the usual benefits are in place for your walking, climbing, skiing and mountaineering plans.

 

Q: Will my policy cover medical treatment for Covid-19?

A: Yes, All BMC Travel Insurance policies include cover for COVID-19 related claims for emergency medical expenses and repatriation. However, There won’t be any cover if you have refused or not taken up an offer of vaccination for Covid-19 (this means both doses) for any reason other than genuine medical grounds.

 

Q: What happens if I get locked down overseas due to coronavirus and my policy expires before I can get home?

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

 

Q: Where can I get more information about travel and the coronavirus?

A: The best and most up to date information can be found of the website of the Foreign, Commonwealth and Development Office (FCDO)

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


As Europe reopens for travel, BMC Travel Insurance has got you covered for Covid-19.

With the autumn nights drawing in, the clouds gathering and the temps dropping, who isn’t dreaming of heading to hotter rocks?

From 4 October, the European climbing dream has become easier, as Covid-19 travel restrictions have been reduced. To make planning your hot rock trips easier, from 1 September we've added Covid-19 cover into all BMC Travel Insurance policies.

 

 

Our new Covid-19 cover includes:

  • £5,000 cancellation cover: if you test positive for Covid-19 within 14 days of departure
  • Medical and repatriation: Covid-19 related illness
  • Being denied boarding: if you test positive for Covid-19 prior to your return home

BMC travel insurance comes in five policies: Travel, Trek, Rock, Alpine and Ski and High Altitude. Read more about the Covid-travel FAQs here


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Emma Travers(staff comment)
28/02/2020
So if the FCO / WHO advice issued advises against travel meaning you cannot go on your trip, or complete it, you may be able to make a claim under Section 8. Journey Disruption including Airspace Closure.
Anonymous User
03/03/2020
Can you just confirm that if the FCO advise "against travel" to a certain country then the standard Alpine & Rock policy covers this. The wording in the policy states that you are covered where the FCO "prohibit" travel. Are prohibiting travel and advising against travel the same thing?
Anonymous User
03/03/2020
Thanks, but my question is more about the wording in your policy. If the FCO "advise against travel" does this necessarily mean they are prohibiting a person from travelling (is it a total ban on travel) - because the wording in the Policy (Section 8, Clause 5a) doesn't actually use the words "where the FCO advise against" instead it uses the word "prohibit" which could be argued as 2 different things. Can you clarify. Thanks
Anonymous User
03/03/2020
Re:-
"A: If you are kept in quarantine / lock down by an overseas government or health authority, you should not be expected to pay anything, so there would be no claim. "

Having missed the scheduled return flight there is likely to be at least the additional cost of a later return journey.
Emma Travers(staff comment)
03/03/2020
RE: "Prohibit" vs "Against travel" wording from the FCO, the best place for clarification would be from our insurance team who you can call on 0161 438 3319 and they'll be in the best position to explain further.
Anonymous User
06/03/2020
If I were to be abroad in an area which the FCO had not advised against travel to and was to develop symptoms meaning that I had to self isolate for two weeks, I would need to get accomodation somewhere that I could do this. Would the cost of this be covered by BMC insurance?
Emma Travers(staff comment)
06/03/2020
RE: If I were to be abroad in an area which the FCO had not advised against travel to and was to develop symptoms meaning that I had to self isolate for two weeks, I would need to get accommodation somewhere that I could do this. Would the cost of this be covered by BMC insurance?
---
ANSWER:
If you're still unsure about your own BMC travel insurance coverage for your next trip, it's best to contact our team on 0161 438 3319 or email jim@thebmc.co.uk
Anonymous User
10/03/2020
I had booked a flight direct with Flybe, now no longer trading. I have an annual Rock policy. The policy does not specifically cover airline going into administration, but does not explicitly exclude this either. Can you advise whether this is covered.
Emma Travers(staff comment)
10/03/2020
Q:I had booked a flight direct with Flybe, now no longer trading. I have an annual Rock policy. The policy does not specifically cover airline going into administration, but does not explicitly exclude this either. Can you advise whether this is covered.
----
A: We have an article where we address what to do when your flights are cancelled:
https://www.thebmc.co.uk/how-to-cancelled-delayed-flights-compensation-bmc-insurance

However if you're still unsure of the answer after reading it, my best advice is to phone our insurance team as they will be able to respond with the latest advice and they will know how the Flybe situation is being handled currently. Their number is 0161 438 3319
Anonymous User
12/03/2020
What is the situation if you have an annual policy purchased in early January?

Will existing bookings (made prior to March 11th) be covered if the FCO later says that area/country should not be visited? e.g. say I've a trip booked to the alps in the summer?

Also what is the situation for new bookings made after 6pm on 11th March if the traveler has an annual policy that was taken out in early January?

E.g. if I book a trip for November now will I have any cover for this as my policy was purchased at the start of January or are all trip bookings made after March 11th impacted too?

Many thanks
Emma Travers(staff comment)
12/03/2020
Q: What is the situation if you have an annual policy purchased in early January?

Will existing bookings (made prior to March 11th) be covered if the FCO later says that area/country should not be visited? e.g. say I've a trip booked to the alps in the summer?

Also what is the situation for new bookings made after 6pm on 11th March if the traveller has an annual policy that was taken out in early January?

E.g. if I book a trip for November now will I have any cover for this as my policy was purchased at the start of January or are all trip bookings made after March 11th impacted too?
------
A: Our insurance team will shortly be updating this article with information regarding already purchased annual insurances and what that means for your trips, pre-booked or not. In the meantime, for a fast response please email insure@thebmc.co.uk
Anonymous User
13/03/2020
Can you confirm the situation if you have a skiing trip booked and the ski areas have now been closed early due to the corona virus.
Emma Travers(staff comment)
13/03/2020
Q: Can you confirm the situation if you have a skiing trip booked and the ski areas have now been closed early due to the corona virus.
-----
A: For an answer from the our expert team, it's best to call 0161 438 3319 or email insure@thebmc.co.uk regarding your own travel circumstances
Anonymous User
16/03/2020
The country I'm insured to visit on holiday(Australia) is now forcing 14 days of self-isolation - the duration of my trip! Can I claim?
My policy was bought before 11th March.
Anonymous User
16/03/2020
What is the insurance status for European travel on holiday? I am due to fly to Sweden on Friday? The flight is still on, and nobody has banned travel. However Boris has just advised everyone avoids "non-essential" travel.

Anonymous User
18/03/2020
What about UK government guidance to "self isolate" if you have a cough
Anonymous User
21/10/2021
This comment is awaiting moderation, it will be reviewed

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