Higos Covid-19 Tiers 1-4 Travel Insurance Update!

Tiers 1-4 Travel Insurance 

As the COVID-19 situation continues to develop and the introduction of Tier 4, we want to keep our travelling clients up to speed with the changes that will impact them. The FCO has issued a new travel advisory notice for British nationals going to or from Tier 4 areas.

‘If you are living in a Tier 4 area, you must only travel internationally - or within the UK - where you first have a legally permitted reason to leave home. In addition, you should consider the public health advice in the country you are visiting.

If you live outside a Tier 4 you may still transit into or through a Tier 4 area to travel abroad if you need to, but you should carefully consider whether you need to do so. In addition, you should follow the public health advice in the country you’re visiting.

If you do need to travel overseas from a Tier 4 area (and are legally permitted to do so, for example, because it is for work), even if you are returning to a place you've visited before, you should look at the rules in place at your destination and the Foreign, Commonwealth and Development Office (FCDO) travel advice. https://www.gov.uk/foreign-travel-advice

UK residents currently abroad do not need to return home immediately. However, you should check with your airline or travel operator on arrangements for returning.’

Important information: Tier 4 Higos Travel Insurance.

We are only able to provide new travel insurance for clients in a tier 4 area if you have exceptional circumstances in order to permit travel. 

For existing policyholders who intend to travel you must also have exceptional circumstances in order to permit travel. 

Should you travel against the law your policy will be void.

For Higos customers living outside Tier 4 and reside in Tiers 1-3

Please note if, at the start of a trip the FCO advises against travel and it subsequently changes mid trip, there will be no cover on the policy.

For any new policies taken out you can continue with your trip by following the current government advice and checking the full list of exempted countries and territories

We are here to answer any questions you might have about the cover on your travel insurance policy, for independent advice or a quotation please contact your local branch through our branch finder.


We will keep you up to date as things change and in the meantime for all of our clients to stay as safe as possible.

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