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West Midlands Police Federation

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Coronavirus: advice to travellers using our Group Insurance Scheme policy

11 March 2020

Members of our Group Insurance Scheme planning a trip abroad with the scheme’s travel insurance policy are being advised to monitor the Foreign & Commonwealth Office (FCO) website for Government advice on the coronavirus.

Current advice is as follows:

Medical cover
If you travel to a destination where the Foreign & Commonwealth Office (FCO) has not advised against all, or all but essential, travel then you would be covered for medical costs if you were to catch the virus during your trip.
If you travelled and then during your trip the FCO amended its decision to advise against all, or all but essential travel, then cover would still remain as your trip began before the advice changed.

You will not be covered under any section if you decide to travel against the advice of the FCO.

Curtailment
If you become ill while on your trip, you will be covered for unused travel and accommodation costs if you have to return home early as long as you did not travel against FCO advice.

Cancellation cover
If you become ill before your trip and you are unable to travel, you will be covered for unused travel and accommodation costs which you do not use.

If you choose to cancel and not go on your trip when the Government has not advised against all, or all but essential, travel to your destination then there won't be any cover for cancelling your trip.

If the FCO has advised against all, or all but essential, travel to your destination, you should contact the airline and/or travel agent to seek a refund or to re-book your trip for a later date.

The insurers have advised to that you should continue to monitor the FCO website and Government advice for regularly updated information.

You can download your travel insurance documents from the Group Insurance Scheme pages of our website.

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July 2020
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