Have questions about COVID-19 and how it can affect your travel plans and insurance needs? We've answered the most frequently asked questions so you can find out more about how travel insurance can help protect you and your loved ones during the coronavirus pandemic.
What kind of travel insurance covers for Covid?
Both travel medical insurance and trip insurance offer specific Covid related coverage and benefits. This includes coverage for the highly transmissible Omicron variant. If any strain of Covid is contracted after the policy effective date, then travel medical insurance can provide coverage.
Similarly, if someone has to cancel their trip due to contracting Covid, trip insurance can cover some of the non-refundable costs.
For the most up-to-date information on the Omicron variant or any other variant, please contact the WHO or the CDC.
Does travel insurance cover the Covid test?
There are plans that offer Covid coverage that will cover the cost of testing if the insured is having symptoms and the attending physician orders it for diagnostic grounds. Preventative Covid tests do not qualify for coverage.
Visitors to the United States, on the other hand, should choose CoverAmerica-Gold coverage, which includes a one-time Covid test as part of the Public Health Emergency Screening benefit. Even if the insured is not experiencing Covid-related symptoms, the Public Health Emergency Screening benefit can be used.
To be eligible for the Public Health Emergency Screening benefit, you must meet the following criteria:
- Prior to leaving their home country, the insured must have obtained Cover America-Gold coverage.
- To be eligible for Covid-19 benefits, the insured must purchase a least of 30 days of coverage.
Please read the CoverAmerica-Gold coverage description carefully for any limitations or exclusions.
Will my visitor insurance cover for Covid vaccination?
Travel insurance does not cover the Covid vaccination, which means you'll need to pay for the Covid vaccine. If you're traveling to the United States, for example, make sure you do research on exactly which vaccines are acceptable. However, if the virus was contracted during the policy's coverage period, there are travel medical and trip cancellation insurance plans that can cover Covid treatment and services. With the introduction of new Covid variants, it is recommended that you obtain travel medical insurance coverage that includes Covid benefits so you can relax while traveling overseas.
Does travel insurance cover quarantine?
Is quarantine covered by Covid travel insurance? Covid coverage and quarantine benefits are included in several travel medical and trip insurance plans. To use the quarantine benefits on their travel medical insurance plan, the policyholder must meet the following requirements:
- Covid-19 and quarantine indemnity compensation must be covered by your travel medical insurance plan.
- After the policy's effective date, the attending physician must diagnose Covid-19.
- In order to be covered, services and treatments must be ordered by a medical doctor. This can entail things like diagnostics, treatment, medicine, and being placed in quarantine.
If I cancel my trip because of Covid, will it be covered?
If you have travel medical insurance and need to cancel your trip due to Covid, you may cancel and obtain a refund before the effective date, depending on the plan you selected (date of departure). For any limitations or exclusions, please verify the cancellation terms and conditions for your specific plan.
A "free look back period" is a period during which a policyholder can cancel their trip insurance coverage and receive a full refund if they do so within a certain duration. The length of the free look back period varies by plan. If a policyholder needs to cancel a trip due to contracting Covid after the free look back time has elapsed, they can use the trip cancellation benefit on the policy. If an insured person has to cancel their trip due to Covid illness, they can claim the policy's trip cancellation benefit once the free review period has expired. This benefit can cover up to 100% of non-refundable prepaid travel expenses.
If the holder of a travel insurance policy needs to cancel for any other reason that is not covered, he/she should consider purchasing a plan that offers Cancel for Any Reason (CFAR) coverage. CFAR is an optional benefit that policyholders can add to their standard coverage. With this benefit, you can cancel for any reason and the insurance company can reimburse the policyholder for up to 75% of the prepaid non-refundable travel expenses.
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