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 Office (FCO) travel advice before you book a trip and before you travel. 

Foreign and Commonwealth Office (FCO) 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.

✅ 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 FCO advises against travel.
    2. The FCO or local authorities are denying entry.
    3. The FCO 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 FCO 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 becomes ill with coronavirus or another infectious disease while you’re away.

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 FCO or local authority travel restrictions that are related to coronavirus.
  • Travel that was against the advice of the FCO at the time of booking or at the time or 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 to make a claim. It helps them figure out who needs assistance urgently. You can’t register a claim over the phone at the moment.


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.

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 the FCO or local authorities say you have to return to the UK due to coronavirus, another infectious disease or pandemic illness.

The FCO advises against travel at the time of booking, but it might have lifted restrictions by the time I want to go on the trip
You wouldn’t be covered for this because the FCO advised against travelling when you booked the trip.

I want to cancel a trip because where I’m going has just been removed from the FCO’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, 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.