Travel Insurance And Covid: Are You Covered?

In short: yes. However, generally speaking the policies are limited in what they will cover, and there is significant variation between what is offered. Prior to the outbreak of Covid-19 in March 2020, no travel insurance covered the adverse impacts of a pandemic. Insurers have since been playing catch-up, but cannot possibly insure every possible scenario.

Much depends on the timing of when the illness was contracted. For example, most policies will cover cancellation costs if a traveller gets Covid-19 before they leave home or during their journey, or if they are deemed to be a close contact of someone with Covid-19.

These cancellation costs can also include the need for emergency accommodation, if quarantine is required, or any additional spending in order to travel home. It’s common for medical expenses to now include Covid-19, too.

Some policies, however, will not cover such costs if Covid-19 was contracted before leaving.

To be sure you are covered for Covid, whether for cancellation or medical needs, you should read the product disclosure statement of your potential travel insurance provider before purchasing the cover.


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