How to make sure your travel insurance covers Corona virus
21.07.2023 - 08:25
/ roughguides.com
Since it first came to the attention of the World Health Organization, the coronavirus has swept across the globe, being categorized as a pandemic in March 2020. If you have to travel for essential reasons during the coronavirus outbreak, it’s important to do so safely and responsibly, so having an insurance policy that covers travel disruption and medical provision is crucial.
Many insurance companies have reviewed their policies in recent weeks, making getting a policy that covers COVID-19 more difficult. Some have stopped selling travel insurance altogether, while others have refused to compensate travellers to high-risk destinations or added exclusions to cover. To help give you peace of mind, Rough Guides have answered some of the most pressing questions regarding travel insurance, with tips on how to make sure your policy covers coronavirus.
Insurance claim papers © Shutterstock
If you’ve already booked a holiday with an existing policy, it will not be affected by the coronavirus outbreak. Nevertheless, travellers will want to consult their policy carefully to see exactly what’s covered – it’s your responsibility to check the details. Ensure your policy includes compensation as a result of cancellations (flights may be suspended at short notice), delays and medical expenses. Read the small print closely and if you aren’t sure about what exactly your policy covers, contact your insurer directly – many companies have pledged to increase support to their customers during this uncertain time.
Remember too that if your travel plans change as a result of coronavirus, or you decide to rethink your holiday destination, then your existing insurance policy may no longer be valid, and you’ll need to purchase a new one.
If you’re travelling away from home, it’s important that you’re covered for the effects of coronavirus, from travel disruption (cancellations and delays) to any medical treatment you might require if you contract the virus abroad. With about one third of the global population under lockdown, international trips will most likely only be for essential reasons. Most travel insurance companies have reviewed their guidelines as a result of COVID-19, based on risk analysis and commercial implications. A number have stopped offering travel insurance, or excluded coronavirus from their policies.
Travellers should buy travel insurance in the usual way, shopping around to find cover that suits their needs. Travelex is still offering compensation for costs incurred as a result of COVID-19, including trip cancellation/trip interruption coverage if the insured or their travelling companion contracts the virus, and emergency medical/evacuation coverage if the insured party catches the disease. Note that “fear