Our contact, Meghan Walch, a Pandemic Travel Insurance Expert at InsureMyTrip tells us that her company is tracking the latest COVID-19 travel requirements to provide insight on how travel insurance may or may not apply in particular situations. InsureMyTrip is a travel insurance comparison site.
Here are some answers to the most common questions that Meghan is receiving:
Q: I’m concerned about government travel restrictions. What travel insurance can help cover the costs in the event I must cancel a trip?
A: Cancel For Any Reason coverage is the best option for potentially getting a portion of your expenses back. Also, check with travel suppliers if they offer any refund or travel vouchers.
Q: If I get sick with COVID-19 during a trip, does emergency medical coverage cover me?
A: It may. Some travel insurance plans do offer emergency medical benefits in the event a traveler gets ill during a trip and must visit a doctor or hospital.
Q: Does travel insurance cover new COVID-19 testing requirements for air passengers?
A: No. According to travel insurance experts at InsureMyTrip, travel insurance will not cover the cost of a general COVID-19 test that may be required for travel. However, some medical plans may cover testing in the event a policyholder becomes ill during a trip and a test is ordered by a physician.
Q: If a traveler does not obtain a COVID test and therefore does not have any results to show prior to their flight back to the US, would there be any coverage for additional expenses while they wait for negative test results?
A: In this case there would be no coverage for lost days or flights and the policy would not automatically extend.
Travelers seeking coverage for future trips can use the “COVID-19 recommendation tool” to see plans best suited to cover COVID-19-related travel concerns.