COVID -19 Travel Insurance Advice 

Updated Wednesday 08 July 2020 



Covid-19 travel insurance advice

Foreign & Commonwealth Office

The Foreign & Commonwealth Office currently advises British nationals against all but essential international travel. Travel to some countries and territories is currently exempted.

This advice is being kept under constant review. Travel disruption is still possible and national control measures may be brought in with little notice, so check our travel guidance.

For further information please visit the website: https://www.gov.uk/foreign-travel-advice

Policy Coverage

The following guidance has been provided by our broker, Arthur J Gallagher:

With effect from 4th July 2020, the UK Foreign Common Office updated their guidance against Travel to EXEMPTED countries only. Therefore no restrictions against Travel will apply. These exempted Countries can be found here:-

https://www.gov.uk/guidance/coronavirus-covid-19-countries-and-territories-exempt-from-advice-against-all-but-essential-international-travel

In respect of the RSA Personal Accident and Travel Insurance we appreciate you will have numerous questions around how cover will apply. At this time our broker Arthur J Gallgher can confirm:-

  • For any trips booked to exempted Countries on or after 4th July 2020, full cover will apply as per standard policy terms and conditions.
  • If Travel is approved by Institutions to any of the exempted countries, and during such time of a trip (or even prior to departure) the FCO advice is re-enforced “against all but essential travel” then usual cover will apply. However, as we have seen over previous weeks and months we would strongly recommend seeking any refunds from Airlines and/or Travel Management Companies. 
  • It may also be worthwhile taking in to consideration the booking of only Flexible and refundable tickets, but learning of any implications Airlines may have for further disruption in their own Cancellation Policies before doing so.  We would expect Ticket costs to be slightly, if not considerably higher, during the foreseeable future whilst Operating Companies aim to recover any financial losses incurred during the lockdown period.  Thereby exposing both Insurers and Institutions to higher levels of reserves for potential claims and of course, impacting the overall performance of the London Universities Consortium account.
  • It is advisable when considering travel applications, of any local/foreign travel and border restrictions, as any delays/cancellations etc resulting from Third Country conditions could fall under the exclusion of ‘regulations made by any public authority or government or persons with the authority under legislation or licence to make regulations;’
  • For any trips booked before the 4th July, please be aware that as per the Policy wording terms and conditions, Cancellation/Curtailment cover will not apply as the risks were known at time of booking. Even though the restrictions have now been lifted, the policy operates on a basis of “trips booked”.   We are working with RSA to determine any alternative and positive take on this but at this time please be aware of these cover restrictions for trips booked before 4th July 2020.

 
For any person who returned to their home country (non-UK) as per University guidance, any trips within their home country will need to be referred to RSA accompanied by a completed Risk Assessment to determine if and what cover will apply. 

How to submit a Travel Insurance Claim

RSA will review each claim on its own merits.  Please read the instructions below before submitting a claim.

RSA have advised the following:

In order to trigger a claim under this policy, you have to evidence that the amount you have paid is not otherwise recoverable. We have recently obtained some Legal advice, which confirms Airline and Tour Operators are Legally obliged to provide a full refund in respect of Cancellation claims as a result of Covid-19.

The Flight Compensation Regulation and the Package Travel Regulations confirm that if the journey is cancelled due to "extraordinary circumstances" a full refund has to be provided to the traveller. We have asked our Panel law firm to prepare some standard template letter's, in order to support you to try and obtain a full refund and the first letter is attached, if you do not receive a response we can provide a second letter.

Again, if your trip has been booked using a credit card you have to evidence that any amounts paid are not recoverable to trigger the policy, as per your rights under section 75 of the Consumer Act 1974, which is stated below;

Your rights under Section 75

Under Section 75 of the Consumer Credit Act 1974, the credit card company is jointly and severally liable for any breach of contract or misrepresentation by the retailer or trader.

This means it is just as responsible as the retailer or trader for the goods or service supplied, allowing you to also put your claim to the credit card company.<https://www.which.co.uk/consumer-rights/advice/can-i-claim-on-my-credit-card-when-something-goes-wrong>

You don't have to reach a stalemate with the retailer or trader before you can contact your credit card provider - you can make a claim to both the retailer and credit card provider simultaneously, although you can't recover your losses from both.

This right is particularly useful if the retailer or trader has gone bust, or it doesn't respond to your letters or phone calls.

Section 75 of the Consumer Credit Act also applies to foreign transactions as well as goods bought online, by telephone or mail order for delivery to the UK from overseas.

To consider the claim further we must have evidence of the following;

*         That the loss is not otherwise recoverable

*         If you paid for the trip using a credit card? Supporting documents to show you also confirmed no refund is available through this route.

*         A copy of the contract if there is specific exclusion term being relied on by the Tour Operator/ Airline

*         It requires you send a letter asserting a request for refund of monies from Airline / Tour operator (This is the template letter attached)

*         Challenge any refusal in writing (We can provide this template letter as required)

 

 

Travel Assistance Contact Details

If a member a traveller contracts COVID-19 while abroad, it should be noted that the local domestic health authority will be treating patients, in line with the global response.

Should you need to make contact in an emergency:

For medical emergencies that require urgent assistance call local emergency services. Please make sure you are aware of the number prior to travel. As soon as possible thereafter call the Medical & Security Assistance telephone helpline on: +44 (0) 208 608 4100

For any other medical services not requiring emergency services, to discuss your situation and identify an appropriate medical centre to obtain treatment from please also call the Medical & Security Assistance telephone the helpline on: +44 (0) 208 608 4100

For Emergency Security Assistance also call +44 (0) 208 608 4100 explaining this is a security enquiry. This number is operated by Healix International, but they will transfer any Security Assistance calls to Drum Cussac.

If you require additional information relating to Medical or Security Assistance which is not available within the Healix App or via Risk Monitor, please also telephone the helpline: +44 (0) 208 608 4100.

In all instances remember to quote your policy number: RTT306251

 

 

FAQ  Travel insurance Claims 

 

Covid-19 travel insurance FAQs

Q. Where can I find a claim form?

Q. Where do I send my claim?

A.  Please send all claims to insurance@imperial.ac.uk

Q. Can I submit an insurance claim through my expenses

A. The policy excess will be waived for COVID-19 claims.  Finance Managers should not be accepting insurance claims through expenses, as noted in the Expenses policy here.

Q. What action should I take, if any, in advance of submitting a travel claim?

A. If a travel cancellation or disruption loss does occur, before submitting a claim, we suggest that you should first contact the travel agent, airline or hotel to seek a refund or make alternative travel arrangements based on existing tickets and bookings. After this, if you still have a loss that is unrecoverable from any other source, please submit a claim in the usual manner along with the original and amended itineraries and other relevant documents to substantiate the loss.

Q. If a student or member of staff contracted COVID-19 during a trip overseas, is there cover under the medical expenses section of the Policy?

A. Yes. If an Employee contracted COVID-19, cover is in place to respond to Medical Expenses that were reasonably incurred during a Journey outside an Insured Person’s Country of Domicile. If an Employee feels unwell during a trip, they should contact Healix on +44 (0)208 608 4100.

Further guidance from Healix can be found on the following link:

https://healix.com/sharing-knowledge-and-news/covid-19-advice/?utm_content=121370933&utm_medium=social&utm_source=linkedin&hss_channel=lcp-5085793  

Q. Can I make a claim if I need to cancel pre-booked travel?

A. Our travel policy is defined by the FCO.  If at the time of booking there was no travel restrictions then the policy will respond, subject to the terms and conditions.  We would advise all travellers to regularly check FCO travel advice for their destination and any countries in transit.  If the advice changes to “against travel” and the traveller wishes to cancel or postpone their trip, they can submit a claim.

Q. Can I make a claim for costs against College Insurance if the event I am due to attend has been cancelled by the organiser?

A. If an organiser (not ICL) has cancelled an event, then the policy should respond.

Q. How do I get more information about my destination country?

A. For country advice and assistance please use: Drum Cussac RiskMonitor Traveller, an advanced online country/city risk intelligence service.  Travellers would need to self-register at https://www.drum-cussac.net/self-registration

Q. Can I make a claim if self-isolation is necessary?

A. the travel insurance policy, does not provide cover for self-isolation. In risk managing any travel, it might be useful to factor in that whilst the country being visited might be clear at the time of travel, the situation could escalate quickly and that it may be a requirement that anyone travelling from that country might have to self-isolate – Public Health England have up to date information on the health risks and self-isolation.  

If it is deemed medically necessary (by Healix or a medical practitioner) to self-isolate and additional costs are incurred, RSA will review and consider the claim. https://www.gov.uk/government/organisations/public-health-england

Q. Are there and APPS I can use for travel risk and medical assistance?

A.You can download the RSA Travel app for pre travel information as well as pre-programmed access to insurers 24-hour helpline and direct access to Healix for medical assistance.  The app can be downloaded from the Apple App Store or Google Play.   You need to enter the Policy number RTT 306251 as part of the registration process.