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Can I take out ‘warzone’ travel insurance that covers me in Spain?

Vacationers in panic who travel to Spain turn to a warfare specialist travel insurer, commonly used by those on dangerous assignments to countries known for kidnappings and murders, to seek cover for their trip.

Battleface says it has had a “ significant increase in the number of requests and bookings ” in policies covering Spain and all destinations in recent days, after the government introduced new quarantine measures for those returning from the holiday hotspot and the advice of the Foreign Commonwealth Office changed.

The Kent-based company, which usually covers people who need stronger insurance to go to terrorist hotspots like Africa and the Middle East, is now seeing an influx of families traveling to cover the Costa Del Sol and the like.

However, while it covers those who contract coronavirus abroad, it does not cover Covid-19 expenses for travel cancellations, vacation curtailments, or closures. It also does not apply to persons over the age of 59.

Protection: Warzone insurance covers customers traveling to dangerous places - not typically Spain (photo: Mallorca)

Protection: Warzone insurance covers customers traveling to dangerous places – not typically Spain (photo: Mallorca)

The so-called ‘warzone’ insurance works much the same as normal policies and covers the policyholder for the same things, including medical claims, baggage and cancellation.

The main difference, however, is that they will also cover those who contract the coronavirus when they go abroad.

Some are now turning to these specialist insurers to try to cover themselves when traveling to countries where the FCO has advised against going because of the coronavirus outbreak.

One of the major affected countries at the moment is Spain, with many Britons having booked all their flights to travel to the country and the nearby islands.

Those who still want to stay on holiday will find it difficult to be insured with standard travel insurers.

Although it is possible to take out Warzone insurance for holidaymakers traveling to Spain, it can often be more expensive than normal insurance because of the increased risk.

The insurers that offer this type of coverage also explicitly say that they do not encourage customers to go to Spain when the FCO advises against it.

But for those who plan to travel, despite the high risk, they may be able to cover themselves against the corona virus by taking out specialist insurance.

Battleface is one of a number of specialist insurers that currently provide coverage for those who contract the coronavirus abroad.

It told This is Money that it has seen a marked increase in interest in recent weeks.

Sasha Gainullin, chief executive of Battleface, said, “We have seen a significant increase in the number of applications and bookings for policies for Spain and all destinations in recent days.

“Battleface’s travel insurance policies cover exactly the same as most travel insurance policies, including medical and emergency expenses, hospital benefits, personal accident, baggage, personal money and passport, and personal liability.”

The travel insurance policies have always provided cover for destinations covered by FCO’s “anything but essential travel to” advice or any other government warning.

People who go to these destinations are usually charities and humanitarian workers, health workers and journalists.

Warzone insurance works in the same way as normal policies, but covers against contracting the virus

Warzone insurance works in the same way as normal policies, but covers against contracting the virus

Warzone insurance works in the same way as normal policies, but covers against contracting the virus

Battleface also said it wasn’t as expensive as some would think to take cover.

He claimed that the cost of a seven-day holiday in Spain for two 30-year-olds without pre-existing medical conditions would be £ 38.06, including tax on insurance premiums.

While Battleface offers a relatively cheap price for coverage, it still doesn’t cover customers for cancellations.

Costs also vary from person to person depending on their individual circumstances.

Despite medical expenses coverage for those who contract coronavirus abroad, there are also numerous exceptions, including the fact that it does not cover anyone over 60.

Nor does it cover you for cancellations, one of the main risks at the moment.

The new Covid-19 cover is available on all policies purchased from July 17, 2020.

Gainullin added, “Regarding cancellation, curtailment or lockdown / quarantine cost coverage as a result of Covid-19, our policies do not cover this and we do not plan to add this benefit in the near future.”

Another company, Warzonecover, added that it has seen a major spike in the number of inquiries from individuals traveling to Europe on holiday looking for travel insurance in the past week.

It states that customers who initiated individual or group personal accident policies prior to the pandemic will also be covered up to Covir-19 until the end of their policy.

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