Blink Bite
Cover for Coronavirus when travelling abroad

07th July 2020

If your clients are exploring travel insurance solutions to cover holidays booked for later this year or next, of principle concern will be if the policy covers Coronavirus. The good news is that Alpha Underwriting’s travel products - GetSet2Go, Turtle Travel and Ultimate - do cover policyholders for emergency medical expenses in the unfortunate event of contracting Coronavirus on holiday.

This isn’t the only benefit provided by Alpha’s travel products, so please read on for a recap together with Alpha’s response to some frequently asked questions specifically around their travel cover and Covid-19.

Can I still sell Alpha’s travel products?

Yes, absolutely! Many people have future holidays secured and although there will not be any cover in place while the Foreign and Commonwealth Office (FCO) advises against all but essential travel, policy benefits will kick in as soon as these restrictions are lifted. Please note, at this current time Alpha are only able to offer Cruise Cover on a small number of products with limited benefits.

My customer’s holiday has been moved; how do they stand?

Existing policyholders can transfer their cover to new travel dates provided departure is within eighteen months from the original purchase date. Additional premium costs may apply depending on date of departure, destination, trip duration and any changes in health since taking out the original policy.

Do Alpha policies cover medical treatment for Coronavirus?

Should the policyholder require emergency medical treatment whilst on a trip abroad due to Coronavirus, they will be able to claim providing all pre-existing medical conditions were disclosed and that they have acted in accordance with the terms and conditions of the policy, and not travelled against the advice of the FCO.  The amount covered varies from £2m to £10m depending on the level of cover purchased. Customers should be aware that there is no cover for medical expenses incurred in private medical facilities where confirmed medically capable public facilities are available.

How does Covid-19 affect Cancellation Cover?

Alpha’s policies do not cover cancellation or any other claims except for emergency medical treatment abroad as a result of Covid-19 or any strain/mutation of Coronavirus, Severe Acute Respiratory Syndrome (SARS-COV-2), or any pandemic or fear or threat of any of the above.

My customer’s holiday has been cancelled, what advice do I give them?

If your customers’ travel plans are disrupted by Coronavirus, they should contact their tour operator or airline to request a refund or to arrange alternative travel options.

What if a policyholder no longer wants to travel due to the risk of Coronavirus?

Unless the FCO has advised against all but essential travel to the insured destination, Alpha’s policies will not cover for any losses if the insured person decides not to travel. However, it may be possible to transfer payment to a new trip/holiday direct with the tour operator or airline.


  • Single trip, annual and one-way cover available
  • Pre-existing medical conditions covered
  • Over 350 sports and activities covered
  • Grandchildren can travel with grandparents under a family policy
  • Scheduled Airline Failure/SAFI covered as standard
  • Multiple add-ons available including cruise, already abroad, excess waiver and terrorism 

Alpha's travel insurance can protect against costly medical bills due to emergency treatment. For more information about Alpha Underwriting travel products or to apply for an agency, don’t hesitate to contact your Business Development Manager or click here.

This facility is provided by Alpha Underwriting Limited who are authorised and regulated by the Financial Conduct Authority (FCA) Number: 504604 and underwritten by Travel Insurance Facilities Plc (TIF Plc) which is authorised and regulated by the Financial Conduct Authority (FCA) Register number: 306537 and insured by Union Reiseversicherung AG who are regulated in the UK by the Financial Conduct Authority (FCA) as an EEA Authorised firm under FCA number: 220965. Union Reiseversicherung Aktiengesellschaft is authorised in Germany by BaFin (ID: 5094) and notified in The Republic of Ireland by the Insurance Regulator on a Freedom of Services basis.

Access to this facility is subject to approval by the product provider only. Blink Intermediary Solutions is not part of the approval process and is not the product manufacturer. Some products/facilities are not available in all territories. The intended recipient of this content is UK FCA regulated insurance brokers. Full details of FCA authorisations can be found at This information is correct at the time of production, but may be subject to change.

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