Coronavirus and your travel insurance

How coronavirus affects your Monzo Premium travel insurance.


AXA terms and conditions

When the World Health Organisation declared coronavirus a pandemic it became a ‘known event’. Which is an insurance term that affects what you can and can’t claim for.

Here we explain how the pandemic affects the Monzo Premium travel insurance policy, provided by AXA.


Always check the latest travel advice

It’s important to check the latest UK Government and Foreign, Commonwealth & Development Office (FCDO) travel advice before you book a trip and before you travel. 

Foreign, Commonwealth & Development Office (FCDO) travel advice
UK Government travel advice


Speak to your travel provider

If you need to change your travel plans then you should speak to your travel provider. For example, your airline or travel agent. They’ll be able to help you with any refunds or changes you need to make to your trip.


Overview of coronavirus cover

This is just an overview of what your travel insurance covers related to coronavirus. You should read the AXA terms and conditions for full details and refer to their COVID-19 Guidance. If you still need help understanding anything in the terms and conditions, you'll need to speak to AXA directly by calling them on +44 (0)20 3701 9629.

✅ What’s covered

You’re covered for cancellations if (subject to the normal terms):

  • You or a close relative fall ill with coronavirus or another infectious disease before you travel.
  • The UK Government says a person insured by your policy has to quarantine or self-isolate on the date you’re scheduled to leave the UK.
  • A family member you were due to stay with has to quarantine or self-isolate and you have nowhere else to stay.
  • The place you’re travelling to is subject to any of the following travel restrictions that are not related to coronavirus, another pandemic or known event:
    1. The FCDO advises against travel.
    2. The FCDO or local authorities are denying entry.
    3. The FCDO or local authorities say that a person insured by your policy has to quarantine or self-isolate on arrival.

You’re covered for a trip being cut short if (subject to the normal terms):

  • The FCDO or local authorities introduce restrictions while you’re away and you have to come home due to coronavirus, another infectious disease or pandemic illness.
  • You’ve been told you can’t board a plane at your UK departure airport due to detected symptoms of coronavirus or another infectious disease.
  • A close relative who is not with you on your trip falls ill with coronavirus or another infectious disease and you need to return home to be with them.

If you fall ill with coronavirus or another infectious disease while you’re away, you’re covered for (subject to the normal terms):

  • Emergency medical treatment, quarantine and repatriation.
  • Additional accommodation if you’re unable to return home as planned.

❌ What’s not covered

You’re not covered for (subject to the normal terms):

  • Cancelling your trip because the place you’re travelling to is subject to FCDO or local authority travel restrictions that are related to coronavirus.
  • Travel that was against the advice of the FCDO at the time of booking or at the time of departure.
  • Cash or voucher refunds that you’re legally entitled to for cancellation or your trip being cut short. You should contact your travel provider about this. For example, your airline or travel agent.

Making a claim

AXA ask that you use their online tool or call them directly on +44 (0)20 370 19629 to make a claim. to make a claim.


Some scenarios

We realise that you might have questions about specific situations you’re in, so we’ve covered some of the most common ones below.

The FCDO advises against travel to a country when I book my trip, but it might change its advice by the time I go

You’d be covered for issues that aren’t related to the reasons for the travel restrictions.

For example, if the travel advice was in place because of the pandemic, you’d be covered if you broke your leg but not if you fell ill with coronavirus.

I’m planning a holiday to a country on the amber list

The traffic light system doesn't impact your travel policy cover, it only lists what you’d do upon returning from certain destinations.

Your cover remains guided by FCDO advice, so you'd have to check the destination against the FCDO website for advice regardless of the red, amber or green rating. If you are unsure contact AXA to check before booking.

I’m planning to go on a cruise

No problem, you’re covered for travel by sea or cruises.

I’m on holiday and the country I’m in has been removed from the UK Government’s safe travel list

Your travel insurance covers you if the FCDO or local authorities say you have to return to the UK due to coronavirus, another infectious disease or pandemic illness.

I want to cancel a trip because where I’m going has just been removed from the FCDO’s safe travel list

Unfortunately you wouldn’t be covered for cancelling this trip.

I have medical expenses to pay because I fell ill with coronavirus while on holiday

Subject to normal terms and provided you haven’t travelled against FCDO advice related to the pandemic, you’re covered for emergency medical treatment, quarantine and repatriation if you fall ill with coronavirus or another infectious disease while you’re away. As well as additional accommodation if you fall ill with coronavirus or another infectious disease while you’re away and can't return home as planned.

I’m going to have to isolate for 2 weeks when I get back from an upcoming trip, so I want to cancel the holiday

You wouldn't be covered for cancelling your trip in this scenario.

I’ve fallen ill with coronavirus and have to isolate for 2 weeks, so I need to cancel my trip

No problem, you’re covered for cancelling this trip.