Home & Legacy Travel insurance now includes Epidemic & Pandemic cover


Authored by Home & Legacy

Home & Legacy Worldwide Multi-trip Travel Insurance has been updated to include cover for epidemic and pandemic diseases, such as Covid-19.

Our new cover enhancements are designed to reflect the world we live in now and to help your customers travel with that extra peace of mind.

Cover is now included for cancellation or curtailment of a trip due to epidemic or pandemic diseases including Covid-19. Our emergency medical expenses cover has also been extended to include epidemic or pandemic diseases, and to our Winter Sports option

These improvements will be included in all new and renewing policies effective from 1st October 2020.

The new cover for epidemic and pandemic diseases will apply up to our existing policy limits:

Cancellation of a trip because the policyholder, their travel companion or a relative of either the policyholder or their travel companion is diagnosed

Curtailment costs incurred if a trip must be cut short due to the policyholder or a permanent member of their household travelling with them being diagnosed while away

Emergency medical costs relating to an epidemic or pandemic disease

Costs incurred if the policyholder or their travel companion is refused boarding public transport due to displaying symptoms of such a disease

Home & Legacy Underwriting & Markets Director, Adrian Ewington said:

“These timely and relevant updates to our travel insurance are intended to help our policyholders adapt to a world, which as we have seen, can be so suddenly disrupted by pandemics and epidemics. After the unprecedented circumstances we have all experienced so far this year, some aspects of normal life seem to be returning – however, the Covid-19 virus has not gone away and the way we live our lives and travel has changed. We are pleased to be able to provide these cover improvements – to give our customers the best opportunities we can, to help them carry on in a changing world.”

Policyholders are, of course, still expected to follow the government travel advice set by local authorities, the Foreign and Commonwealth Office and the authorities in the countries to which they are travelling

The new cover will be shown as an endorsement on your customer’s schedule.

To read the travel endorsement CLICK HERE

Policy not due for renewal yet?

Don’t worry, if your customer plans to travel before their next renewal date – they don’t have to wait.  They can add the cover mid-term to their existing policy from any time after 1st October for an additional premium. Please call us on 0344 893 8370 to make an adjustment.

Rates for the mid-term adjustments are as follows:

MTA to add epidemic/ pandemic endorsement (not including Winter Sports): Additional Premium £25.99

MTA to add epidemic/ pandemic endorsement (Including Winter Sports): Additional Premium £35.16

MTA to add BOTH Winter Sports and epidemic/ pandemic endorsement: Additional Premium £130.23


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