The group reviewed 263 travel insurance Covid cover policies’ and gave them ratings ranging from “basic, low, superior to complete”.
Out of the sampled policies, only HSBC Select and Cover and Barclays Travel Pack, were rated as “complete” by providing travellers protection against cancellation due to changes in advice from the foreign, commonwealth and development office (FCDO) or government lockdowns prohibiting travel.
They also protected customers who tested positive for Covid or were told to self-isolate as well as medical costs and repatriation.
A further 85 policies were ranked “superior”, for providing cancellation cover for travellers having to self-isolate without a positive test, but not for FCDO advice changing.
However, over half of the policies (142) were ranked “low” which included companies such as Nationwide, Admiral and the Post Office. This means that they offer some form of cancellation cover, but does not go as far as covering travellers for cancelling in the event of needing to self-isolate without having a positive Covid test result.
In addition, 34 policies from companies like Direct Travel, Esure and Sheilas’ Wheels, received the lowest ranking as although they provided travellers with cover for Covid-related emergency medical costs and repatriation, they were unable to offer cancelling a trip cover if a traveller contracts Covid.
Gareth Shaw, head of Which? Money, said: “As the removal of Portugal from the green list shows, last-minute disruption to holiday plans can happen and our research shows that many travel insurers don’t offer much protection if it does.
“The government should work with regulators to ensure that travellers, should they choose to go abroad, are given clear information about what they will and won’t be covered for and make sure that providers don’t make bold and confusing claims about their cover without being clear about the limitations. ”