Staysure
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Staysure includes COVID-19 coverage across every single-trip and annual multi-trip policy they sell, making pandemic protection standard rather than optional. Their policies require proof of full vaccination to be eligible, and they'll cover trip cancellation if you test positive within 14 days before your departure. The built-in approach means no hunting for add-ons or special endorsements.
Best for vaccinated UK travelers who want COVID coverage as a baseline without negotiating for it. Since COVID protection is automatic in all their plans, you get simpler underwriting and faster claims if you need to cancel due to a positive test close to your trip.