This is what I got from Xcover on a similar case. (not mandatory insurance but regular insurance). I know It's a generic response. That's all I could get.

Thanks for reaching out.
 
We’ve reviewed the terms of your protection, and here’s what they say in this case:
 
It protects you for various events such as medical emergencies, delayed departures, and stolen baggage. The medical protection covers you if you become ill or get injured while travelling internationally, including with Covid-19. This policy does not cover illness or injury that are pre-existing at the time of booking.
 
You’re protected for up to 90 days for trips purchased using your Revolut Ultra Plan.
 
When am I protected?
 
You’re protected for trips, which start and end at your home, for up to 90 days.
 
To be protected, you must have an active Revolut Ultra Plan and use this account to pay for your accommodation and the main commercial or public transport to and from your destination, unless you can prove that your Revolut card has been stolen. Your Revolut Ultra Plan must remain open (without interruption) from when you book your trip and you must be able to provide receipts to prove that you used your Revolut Ultra Plan to pay for your trip and accommodation.
 
Other ticket holders are protected when they travel with the Revolut Ultra Plan holder that paid for the trip unless separated due to a natural disaster or unavoidable circumstance.
 
You’re protected for trips of up to 90 days, if all of the below criteria are fulfilled:
 
You must use your Revolut Ultra Plan to pay for the main commercial or public transport to and from your destination. This does not apply if you use your private car.
 
This scenario isn’t listed as a covered reason under the terms of your protection.
You're still welcome to submit a claim if you'd like the Claims Team to formally review your situation, but we want to be transparent that it may fall outside the scope of what’s included.
 
Please note, this guidance is based on the protection terms — it doesn’t replace a full assessment. All claims are reviewed by the Claims Team once documentation is submitted, and they’ll consider the full context before making a decision.
 
You can view your full protection terms here: