Gary--I don't know how his being from the UK affects it, but you should have him check with TTOL sponsor, Insure My Trip. There is a link here on the sponsors list. Use that link, versus just going directly to their page. The cost is the same, but TTOL gets a small referral fee. He can go through options and I know that Insure My Trip has an option where you can choose the highest rated Covid coverage policies. I picked one of those when I booked coverage for my next trip. As far as coverage for a trip that is close to when you buy the insurance, I think the only problem would be you couldn't get cancel for any reason insurance, but otherwise, I think the coverage would be the same.