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Covid-19

Will I be covered if I travel during a lockdown or against Foreign Commonwealth and Development office (FCDO) advice?

No, you will not be covered if you travel during a lockdown. You also won’t be covered if you travel when the FCDO advise against ‘all’ or ‘all but essential’ travel.

Keep up to date with the latest FCDO travel advice when planning to travel.

What does On-Trip Cover include for Covid-19?

Your On-Trip Cover includes the following for Covid-19:*
• Emergency medical expenses.
• Repatriation cover.
• Cover for extra travel and accommodation. This must be authorised by our assistance company until Wapp’s medical officer decides you should be repatriated.
• Cover for extra travel costs to repatriate you when you’ve been denied boarding to your pre-booked, return travel because you have Covid-19.
• A payment of £20 per 24-hour period when you’re ordered to self-isolate in your overseas holiday accommodation by a government authority, up to £300.

You won’t be covered for any claim when you are experiencing symptoms of Covid-19 or have been told to self-isolate at the time you set up the Wapp app, or at the time you started your trip, whichever is later.

*Please see policy wording for full details

What does my Optional Monthly Subscription include for Covid-19?

If you add the Optional Monthly Subscription to your policy, you could be covered in the following scenarios:*
• You, a relative, a member of your household, a travelling companion or a person you’re going to stay with gets Covid-19 in the 14 days before you travel.
• You’re denied boarding on your pre-booked, outbound travel because you get Covid-19.
• You have to cut your trip short because of the death of a relative due to Covid-19.
• You can’t go on a pre-booked excursion because you’re ordered to self-isolate by a government authority.

You will not be covered for any claim where you are experiencing symptoms of Covid-19 or have been told to self-isolate at the time you set up the app, or at the time of booking your trip, whichever is later.

*Please see policy wording for full details

What evidence will I need to provide if I, or an insured person, get Covid-19?

You will have to provide, at your own expense, a copy of a positive Covid-19 test result. You will not be covered for claims for contracting COVID-19 where this is not proven by a medically approved test showing a positive result.

Do I need a Covid-19 vaccination to be covered by Wapp?

You need to have had the recommended vaccination(s) against Covid-19 to be covered for claims that relate to you contracting COVID-19 before or during your trip. You will also need to provide evidence that you have been vaccinated.

If you are not vaccinated, you could still be covered for claims that are not related to you getting Covid-19, such as emergency medical expenses and lost personal possessions.

You will not be covered for the following claims relating to Covid-19:

• Any claim where you contract Covid-19 and you have not had the recommended vaccination(s).
• Any claim because you or your travel companion can’t complete the full Covid-19 vaccination course before your departure date due to delays in supply or changes in government policy.
• You will also not be covered for any claim where you do not hold the required confirmation of vaccination documentation, for example a vaccination passport.

Will I be covered if I have to quarantine because of Covid-19?

We will pay a daily benefit where you, as an isolated case, test positive for Covid-19 and are required to isolate. We do not pay this benefit if you have not tested positive for Covid-19 or where you are part of a wider group of people placed in quarantine or isolation, such as the whole of a cruise ship, the inhabitants of a town, city, county or country, or people returning from a specific place, resort or country.