Travel Insurance that covers Covid
 

If anyone has any experience with travel insurance that covers Covid-related issues I'd love some feedback. Thanks.

Have a look at Seven Corners and see if it works for you. A friend has used them for international travel.

Some travel insurance does not specifically mention COVID in their cover anymore as it is considered by some the same as any other disease. But new pandemics might not be covered. At the start of all this, some travel insurance did exclude COVID. So I would read the small print.

Check World Nomads insurance to see if it meets your needs. Go to the list of benefits and read the policy document.

In addition to the policy, you need to know if there is a 'Do Not Travel' Warning issued by your government. You may not be covered if you go to one of those locations even if there is COVID cover.

Currently as per my knowledge I have not come across any company who covers travel insurance with covid. Yes they are giving the travel insurance but they are not covering the covid.

Which is absolutely untrue.

Check out Alllianz insurance. The last email I received from them listed =13pxdifferent policies and some covered covid.

You may get more relevant responses if you say where you are based. In the U.K. the majority of travel insurance policies with cover covid just like any other disease. Many will cover losses if unable to travel due to testing positive pre departure. My own policy will cover me if a government advisory against travel is implemented pre departure.

as mentioned above, it is essential to read the terms and conditions thoroughly to ensure all that you would like is in fact covered under the policy. My FIL recently contracted covid whilst away and had to isolate for ten days. The insurance, covered the cost of flight changes, additional accomodation and food but were initially reluctant to pay the same for my MIL who didn’t test positive and could have returned home. They later relented ( in part!).

The other factor to consider is wheher cover is provided in the event of quarantine being implement for traveller either at the destination or at home on return. Fewer underwriters seem to cover that. As a result I have booked two trips to US and Australia via a travel agency who provide cast iron guarantees that if any sort of quarantine or govt travel restrictions happen before then I can rebook for another time or get a full refund immediately. This is in addition to the standard consumer protection legislation which applies in the the U.K. and EU - not sure if the same applies if you happen to be in the US.

"Not all the insurance company cover but some companies cover the Covis as well." what on earth does that mean???????

Can you share the name of the insurance company that your FIL used? I've read reviews about claims not being honored by some companies.

I could ask him but unless you are based in the U.K. it would be of very little relevance to you if you are in the US as you would not be able to purchase it unless resident in the U.K. Travel insurance here is a very well developed market. Unlike the US few people here would travel without full comprehensive insurance covering medical, delay, repatriation, cancellation etc. in fact just about everything that could affect travel. As a result the market is very competitive and rates are low.

The covid issue is an odd one. Underwriters just did not have a clue how they would deal with it. The initial reaction was not to cover anyone for anything covid related. Some tried to retrospectively change terms and conditions, some realised that this would not withstand a legal challenge and changed their minds. Some withdrew from the market completely. Most have returned to the market and most will now cover covid related issues.

my own policy covers me for countries introducing quarantine restriction or border closures and if I cannot travel because of testing positive for covid. I would also be covered for medical expenses or death due to covid whilst abroad.

in the case of my in laws, as it turned out, I felt the settlement reached was entirely fair and reasonable. They were recompensed for the actual losses sustained which happened to be different to what they actually spent but that was their choice.

If indeed you are in the U.K. I could point you in the direction of underwriters I would consider using and those to avoid. In the US I wouldn’t have a clue but would maybe look at some of the global players like Allianz and Axa.

Don’t you just love these well reasoned well thought through comments?