ABTA Travel insurance

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ABTA Travel Insurance is a high-quality travel insurance product from ABTA and underwritten and administered by AXA Group.

It offers: 

  • Up to £10m medical cover per person, including Covid-19 medical expenses while on holiday providing customers aren’t travelling against FCDO or medical advice*
  • Up to £10,000 cancellation cover per person**
  • 24/7 emergency helplines
  • Easy online medical screening process.

* This is providing an accurate medical screening is in place. T&Cs apply.
** Policies will not cover any cancellation due to government restriction on travel due to Coronavirus^ or any future pandemic (for example the FCDO advising against all travel or all but essential travel to your destination or your flights being cancelled). Our policies include cover for cancellation should you fall ill with Coronavirus^ and are unable to travel or required to self isolate, this will be subject to medical certification or an official test result. Also, cover for curtailment due to the death of a close relative due to Coronavirus^.
^Coronavirus (COVID-19), severe acute respiratory syndrome coronavirus (SARS-COV-2) or other Pandemic Illness.

And, in these uncertain times, ABTA Travel Insurance also provides you with a reassuring range of benefits as standard that some other insurance providers don’t or will charge extra for – including:

  • Cover should your airline or other holiday suppliers go out of business
  • Free access to an online English speaking doctor via the Doctor Please app
  • Missed connections cover
  • Cruise cover
  • Gadget cover
  • Over 120 sports and activities covered.

Other reasons to choose ABTA Travel Insurance

  • There is no upper age limit for single trip cover.
  • You get free access to a travel companion app, which includes a medical translator, hospital locator, emergency numbers, medical assistance and lots more.
  • There is no reduction on the value of claims for lost/stolen items because of wear and tear.
  • You have the option to speak to someone over the phone from start to finish should you need to. 
  • The policy wording is straightforward, clear and easy to understand.

Travelling during Covid

ABTA Travel Insurance will cover you to travel to destinations worldwide, providing there is no advice in place from the FCDO against all travel. Policies will not cover any cancellation due to government restriction on travel due to Coronavirus or any future pandemic (for example the FCDO advising against all travel or all but essential travel to your destination or your flights being cancelled).

Some scenarios detailing how the policy covers you during a pandemic.

Scenario Cover stance Cover conditions
You fall ill with COVID-19 (or other Pandemic illness) abroad requiring  medical treatment abroad. Covered as standard. No cover if travelling against government, FCDO, or medical advice.
You fall ill with COVID-19 (or other Pandemic illness) abroad and need to be repatriated to the UK. Covered as standard. No cover if travelling against government, FCDO, or medical advice.
You fall ill with COVID-19 (or other Pandemic illness) abroad and you need to extend your stay, incurring additional costs. Covered as standard. No cover if travelling against government, FCDO, or medical advice.
You fall ill with COVID-19 (or other Pandemic illness) at home and cannot travel. Covered as standard. Subject to medical certification / test result. There is no cover if symptoms or diagnosis occurred prior to your policy purchase.
You show symptoms of COVID-19 whilst on your trip and must self isolate in your accommodation. You would like to claim for any cancelled excursions. Covered as standard. No cover if travelling against government, FCDO, or medical advice.
You or a household member has to self isolate at home and cannot travel. Covered as standard. Subject to medical certification / test result. There is no cover if you were requested to isolate prior to your policy purchase.
You have been denied boarding at the airport due to detected symptoms of COVID-19. Covered as standard. There is no cover if symptoms or diagnosis occurred prior to your policy purchase.
No travel restrictions exist at time of purchasing your insurance or booking your holiday. Government or FCDO restrictions are later introduced due to a non-pandemic illness stopping you from travelling. Covered as standard.  
No travel restrictions exist at time of purchasing your insurance or /booking your holiday. Government or FCDO restrictions are later introduced in relation to a non-pandemic illness requiring you to quarantine upon arrival (or upon return home) and you no longer wish to travel. Covered as standard.  
You are due to stay with family. A family member who you are due to stay with has to self isolate due to pandemic illness. You wish to cancel the trip as you no longer have anywhere to stay. Covered as standard. Subject to medical certification / test result.
Your trip needs to be cut short as a close relative has passed away from COVID-19. Covered as standard. There is no cover if your relative was already hospitalised before you left on your trip.
Your airline goes into administration due to the pandemic. Covered as standard.  
Your travel provider (other than an airline) goes into administration due to the pandemic. Covered as standard.  

Some scenarios where the policy would not cover you during a pandemic.

Scenario Cover stance Relevant exclusion
Current government or other regulatory authority restrictions due to a pandemic were already in place at time of purchasing your insurance or booking holiday and restrictions remain in place at time of departure preventing you from travelling. No cover. There is no cover for circumstances known to you at the point of purchase.
Current government or other regulatory authority restrictions due to a pandemic were in place at time of departure and you chose to ignore this advice and travelled.  No cover. There is no cover under your policy if you travel against FCDO or other government advice.
Current government restrictions or other regulatory authority are removed but are later reinstated due to COVID-19 pandemic (or other Pandemic illness) and prevent you from travelling. No cover. Your policy does not cover cancellation due to a pandemic.
No government restrictions are in place at time of purchasing insurance/booking holiday. A new pandemic is declared and government restrictions are put in place and prevent you from travelling. No cover. Your policy does not cover cancellation due to a pandemic.
Current government or other regulatory authority restrictions due to a pandemic that do not restrict you from travelling to your destination but require you to be quarantined on return from your trip. You no longer wish to travel and want to cancel your holiday. No cover. Your policy does not cover cancellation due to a pandemic or disinclination to travel.
You are due to travel but hear that there are a number of cases of a pandemic illness near where you are staying. You no longer wish to travel and want to cancel your holiday. No cover. Disinclination to travel is not covered.
Your holiday has been cancelled due to a pandemic and your provider is only offering you a voucher rather than a refund. No cover. Your policy only covers irrevocable losses. Please note that in most cases you should have a legal right to a refund.