News Coronavirus watch20 Nov 2020

Skip the vaccine and lose insurance

| 20 Nov 2020

Anti-vaxxers may risk invalidating their travel insurance if they are medically able but decline to receive a COVID-19 vaccine, according to an insurance expert.

Medical underwriting specialist and travel insurance expert Tricia Tietema told City A.M she would expect that those who are medically able to have the coronavirus vaccine, should one become available, but choose not to have it could breach the terms and conditions of their insurance policy.

A report in cityam.com said, “It is the case that most of the larger insurers would already have declined claims for tropical diseases such as malaria or yellow fever if the traveller has not taken advantage of the vaccines available – and this exclusion can be found in policy wordings.”

Ms Tietema said, “We would be aware that exceptions have to be made for those who cannot have these, so infants, pregnant people and some who are immunocompromised cannot have the live vaccine.”

She said, “Looking longer term to when more COVID-19 vaccines emerge then I would expect anyone medically able to have it but who neglected to do so might well breach the terms and conditions of their insurance policy.”

“Insurers cannot dictate to individuals where they travel, they can only make plain which risks are insured and leave them to make informed decisions,” she said.

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