Standard Cover: You won’t be covered if you travel somewhere the FCDO has advised against, whether that’s for all travel or for non-essential travel. This means that if you make a claim for any issue, it will be declined – whether it’s a COVID-19 related claim or something else.

Enhanced COVID-19 Protect: The add-on will cover you for European destinations where the FCDO advises against “all but essential travel” solely due to COVID-19.