Options if you’re unable to use your insurance policy due to coronavirus related travel bans

  1. Amending your travel insurance start date

    If the trip start date on your policy has not yet passed, and you haven’t made, and don’t intend to make, a claim, then you can change the trip start date to align with your new travel plans. You can only move your trip start date to a date that is up to 12 months after the date you purchased your policy.

    Just contact us and we can check your policy and make any changes available. It's important to understand that there are current limitations to cover relating to coronavirus, Do Not Travel warnings and travel bans, which may also limit your cover if you amend your existing policy.

  2. Refund inside the cooling-off period

    All COTA Insurance Travel Insurance policies are subject to a 21 day ‘cooling-off’ period within which travellers may be able to cancel their policy and receive a full refund. If you want to cancel your policy within the cooling-off period, we will refund your premium as long as you haven’t used, and won’t use, your policy in any way. This means that: 

    • you haven’t travelled under your policy or started your trip; 
    • you haven’t made a claim and don’t intend to make a claim; and
    • you are not exercising any other right under the policy. 

  3. Refund outside the cooling-off period

    We recognise you may be unable to travel due to a coronavirus related travel ban, which impacts you after the cooling-off period has expired. If you are unable to travel due to a coronavirus related travel ban, and you haven't used and don't intend to use your policy to travel or claim, you are also eligible to obtain a refund. Before you decide to cancel your policy and get a refund, please consider the implications and any existing value under the policy, including any pre-trip cancellation cover you may have. The extent of cover afforded will depend on both the policy wording and your individual facts and circumstances. 

    Understanding what it means to cancel your policy 

    Remember, cancelling your policy means you won’t be eligible for any cover, and you won’t be able to make any claim under the policy. If you request and are granted a refund, your policy cannot be reinstated.   To amend your policy, request a refund or for assistance when claiming, please contact us.