I too have annual LV Premier cover. I paid for, and arranged, the now delayed trip when I was in Spain earlier this year. I normally put a deposit on the accommodation, book flights and car rental later.
I rang LV. Was informed that if the trip was booked pre FCO advice ‘against all but essential travel’ then the insurance was valid. I need to confirm that....but EHIC continues, through 2021 and beyond if your are in receipt of a State Pension on 31/12/20.
What’s the worst that can happen ? If you catch CV in Spain they won’t leave you to die in the gutter. In the meantime enjoy the weather, outdoor lifestyle, and make the most of your time on top.
When I return I’ve a long job list whilst in quarantine...3 rooms to redecorate, pressure wash outside, Spring Clean, binge watch Scandi Noir and Breaking Bad.
Get your test done pre travel and enjoy Madeira. I know some great back street bars in Funchal!
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