Our policies will no longer provide cover for claims directly or indirectly related to a pandemic and/or epidemic, notably at this time Coronavirus (COVID-19) including any related and/or similar condition(s) howsoever called or any mutation of these. This policy will also not provide cover claims relating to the fear or threat of pandemic and/or epidemic, including but not limited to Coronavirus (COVID-19) including any related and/or similar condition(s) howsoever or any mutation of these.
This general exclusion applies to all sections of cover with the exception of Section 2 – Emergency Medical Expenses as long as, prior to your trip commencing, the Foreign and Commonwealth Office had NOT advised against all (but essential) travel to your intended destination.
Voyager Plus Travel Insurance Short Stay policies can be purchased by customers providing the trip start date is ON or AFTER the 25/06/2020
Voyager Plus Travel Insurance Annual Multi-Trip policies can be purchased by customers however there is no cover for trips due to start BEFORE the 25/06/2020
Voyager Plus Travel Insurance policies underwritten by Starr Insurance Companies will not provide cover if you decide to travel against the advice of the Foreign and Commonwealth Office (FCO) or it’s equivalent in other EEA Countries (Refer to General Exclusion 2). This would be advice against ‘All Travel’ and ‘All but Essential Travel’.
Alternative polices (such as High Risk Voyager Travel Insurance) may be available from Voyager Insurance Services that would cover travel to a country or region the FCO advises ‘against all but essential travel’ or ‘against all travel’.
If in doubt about the region visited, refer to the FCO Website https://www.gov.uk/foreign-travel-advice
or contact Voyager Insurance Services on Tel: 01483 562662 or email: email@example.com
If you catch Coronavirus or require medical treatment, then yes cover will be in place for emergency and necessary treatment (subject to usual policy terms and conditions).
Customers should be aware that our policies are travel insurance policies and not private medical insurance meaning that there is no cover for any medical expenses incurred in private medical facilities or where treatment could have been received under reciprocal health agreement (unless approved by Underwriters and no other suitable medical facilities are available).
If this is the case, then clients must contact the Emergency assistance team as quickly as possible.
Your Voyager Plus Travel Insurance provides cancellation and curtailment cover for costs that cannot be recovered from anywhere else for stated reasons only. In line with other retail travel insurances, it does not cover Cancellation and Curtailment under Exclusion h. due to your disinclination to travel.
This means, that if you choose not to travel or return home just because you are concerned about the Coronavirus, you are not covered for cancellation or curtailment.
It may be possible to obtain cover for cancellation or curtailment due to changes in FCO advice that occur after the policy or option has been bought. See next section.
Please Note: The Section 20 Enhanced Travel or Terrorism Disruption Option is no longer available to purchase on new policies.
Voyager Plus Travel Insurance includes an optional extension to provide an extended range of cover for Travel Disruption aimed primarily at the traveller who books their own travel arrangements independently and may not have the protection of a tour operator or package arrangement.
In regards to changes in FCO Travel Advice : Limited stated cover is available under Optional Section 20 Enhanced Travel or Terrorism Disruption for a necessary cancellation or curtailment claim for travel and accommodation costs that cannot be recovered elsewhere – if this Optional Section was purchased by the Insured prior to any such FCO travel directive being declared (as a result of Coronavirus) in relation to a specific country or region.
Refer to Voyager Plus Travel Insurance Optional Section 20 : Enhanced Travel or Terrorism Disruption as per Section 20.1 Extended Cancellation or Curtailment as to what limited cover is available in regards to costs that cannot be recovered if it is necessary to cancel or curtail a planned trip, if the following (in summary) occurs during your period of insurance:
Travel advice unit of the Foreign and Commonwealth Office (FCO) or World Health Organisation (WHO) or regulatory authority in a country to/from which you are travelling issuing a directive prohibiting all travel or all but essential travel to, or recommending evacuation from, the country or specific region area or event to which you are travelling, providing the directive came into force after you purchased this insurance or booked the trip (whichever is the later), or in case of curtailment, after you had left your home country to commence the trip…
NOTE : This Option may be purchased at time of the original purchase of the Voyager Plus Travel Insurance Policy, or it may be purchased after the date of original purchase of the Voyager Plus Travel Insurance policy during the policy period – but no cover exists prior to the date of purchase of the Option or if an event or travel directive has been declared prior to the date of Purchase in regards to that travel directive.
Underwriters reserve the right to withdraw the ability to purchase this option at time of original purchase and/or subsequently to the original purchase.
Can I cancel or amend my current Voyager Plus Travel Insurance policy and take a new policy or add an option which has cover for change in FCO advice?
Underwriters reserve the right to change or withdraw this statement.
This statement is subject to the full policy terms and conditions of the policy wording and any applicable endorsements and does not alter the policy terms and conditions.
If you have any further queries around this matter please contact the Voyager Insurance Customer Support Team at
More information regarding the coronavirus can be found at: https://www.gov.uk/foreign-travel-advice