Spain Travel Warning Sparks Insurance Dilemma

UK holidaymakers have been told they face the potential cancellation of their insurance cover if they travel to country’s which are on the quarantine list.

It comes as the UK government placed mainland Spain on the list of countries where it required any travelled arriving from the countries to immediately undergo two weeks of isolation to combat the spread of COVID-19. The Foreign and Commonwealth Office (FCO) has also issued advice that there should not be any non-essential travel to the country.

The decision puts the entire Iberian Peninsula on the quarantine list. Spain and Portugal have long been two of the most popular travel destinations for UK holidaymakers with millions travelling to the countries annually.

Following the changes to Government guidance on travel to Spain includes FCO advice against all but essential travel to mainland Spain and the imposition of a 14 day quarantine for travellers returning to the UK, the Association of British Insurers (ABI) has issued the insurers’ view on the decision’s impact.

If you were already in the country when the advice changed then your insurance is likely to continue to cover you until you return home,” said a spokesman. “Travelling to countries against FCO advice is likely to invalidate your travel insurance and this would apply to those yet to travel to mainland Spain. Customers looking to change or chancel their travel plans should speak with the airline provider, tour operator or travel agent in the first instance.

“If you booked your trip or took out your travel insurance after COVID-19 was declared a pandemic, you may not be covered for travel disruption or cancellation. In either circumstance, we’d advise checking with your insurer.”

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