Is my travel insurance still valid while I’m on holiday in Spain?

The Foreign Office has changed its travel advice, and now warns Brits against all but essential travel to mainland Spain.

The country is feared to be on the brink of a deadly second wave of coronavirus as cases have surged in major cities.

Any travellers coming into the UK from Spain will have to quarantine for 14 days, effective immediately.

This has caused chaos for Brits currently on holiday in Spain, who will now have to self-isolate when they get home.

Many will also be concerned about their travel insurance, which typically will not cover countries the Foreign Office warns are unsafe.

Is my travel insurance still valid?

As long as your trip started before the FCO advice changed (on Saturday 25 July), you should still be covered by your travel insurance.

Your travel insurance should still be valid – provided you set off before the FCO advice changed (file photo)

The government has also said Brits currently in Spain should not cut their holidays short.

If you ignore the FCO advice and decide to set off on holiday anyway, this will invalidate your insurance.

This means you will not be covered in the event of an accident or emergency – even if it has nothing to do with the COVID-19 pandemic.

Martin Lewis warned: “Do think very carefully before going to Spain.

“Even though I know some people are arguing, rightly, that there are some areas of Spain badly affected and there are other areas that aren’t.

Martin Lewis has strongly advised against risking it and going to Spain

“Well the Foreign and Commonwealth Office is advising against all but essential travel to mainland Spain.

“You wouldn’t have travel insurance cover, it’s not worth it.

“You trip over, you bang your head, you need treatment, you’re in hospital, you need flying back, it’s not worth it, things happen.”

The FCO warning does not apply to either the Canary Islands or the Balearic Islands, which means your travel insurance should still cover you in those destinations.

You will, however, still have to quarantine after visiting the islands – so you should only proceed with your holiday if you can self-isolate for two weeks when you get home.

Martin said: “It is worth remembering that you are allowed to go to the Canary Islands and Ibiza.

“The Foreign Office says you can go but just have to quarantine when you come home.

“Again that’s even worse in some ways if you don’t want to go, as even old travel insurance policies won’t cover you as it’s a disinclination to travel.”


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