Cover Information and Exclusions

The cover information and exclusions below are not an exhaustive list and should be read in conjunction with the information contained within the insurance webpages and the Confirmation and Summary of Cover (PDF).

Coronavirus update

  • The Cancellation, Curtailment, Change of itinerary, Rearrangement and Replacement element of the policy will not operate in relation to Covid-19 losses. Therefore any cancellation costs, or additional travel/subsistence/accommodation expenses etc. incurred as a result of Coronavirus will not be covered.
  • There is no reduction in cover regarding emergency medical expenses – i.e. if a traveller contracts Covid-19 then subsequent medical treatment costs will be covered.
  • Repatriation due to medical related incidents will continue to be covered under the medical expenses part of the policy.
  • Cover will only be provided if University procedure is followed.

Travellers and Departments must consider the financial risk of travel as part of the travel planning process and assessment of the risk.

The use of University travel insurance continues to be encouraged, plus considering how financial risks can be mitigated in other ways (such as through flexible booking arrangements), which can also form part of overall decision making regarding travel trips.


  • Worldwide cover
  • Unlimited travel period
  • Cover for pre-existing medical conditions is included provided the guidance on arranging insurance is followed.
  • Carrying large amounts of cash outside the UK is discouraged, however, where there is no alternative, cover for personal cash can be included. This is subject to appropriate and adequate risk assessments having been completed and cash being specified on the insurance application form where £500 or more is being taken.
  • Cover is only provided for personal time when it is incidental to the University business trip and the traveller is returning from the same airport.
  • Personal items whilst travelling in your home country are only covered where travel is outside of your home overnight and where they are not covered under your home insurance cover.
  • The University does not prohibit the use of Airbnb; the risks related to the accommodation should be assessed in the usual way.

  • Please note, travel insurance claims will be paid in accordance with the University Expenses Principles and therefore the University’s Expenses Policy should be followed when arranging travel:

  • The standard policy excess of £50 per person (increased to £100 when travelling for more than 364 days).
  • Recreational travel which falls outside of incidental personal time.
  • Costs incurred due to an airline or carrier entering into administration or liquidation.
  • Cover for family members.
  • Travelling against the advice of a qualified medical practitioner or occupational health.
  • Departmental contents i.e. departmentally owned equipment/laptops.
  • When travelling to your home country, emergency repatriation, cancellation cover and medical expenses (where you are eligible for state health care).
  • Any loss incurred as a result of travel documents/visas not being issued in time.
  • Routine medical examinations, including vaccinations and the issue of medical certificates.
  • Any expenses or losses which are recoverable from any private medical insurance policy.

Contact Us

 : Finance Division
      University of Oxford
      23-38 Hythe Bridge Street

      Oxford OX1 2ET


 : Motor, Travel and Engineering -
       01865 (6) 16078

       Buildings, Contents and Liability - 
       01865 (6) 16012

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 : Oxford Mutual Ltd
       Finance Division,
       University of Oxford
       23-38 Hythe Bridge Street,
       OX1 2ET