Why Coronavirus Travel Insurance is a Must-have
A series of new travel insurance plans have started to cover Covid-19, just as more overseas destinations are starting to require it. Traveling in the middle of a pandemic can be very dangerous, and there is always a big chance of catching the virus if you’re not careful.
If this happens while you’re on your trip, it may cost you a fortune for your medical treatments and other arrangements. Listed below are the benefits of having Coronavirus travel insurance.
Benefits Before the Travel
If you, a travel companion, or the person you are supposed to stay with tests positive for a Coronavirus test anytime within your fourteen days of travel, your insurance will provide you a Cancellation Cover. They also provide a Missed Departure Cover in the event that you do not pass a health screening at your departure point. It may be a temperature check or a COVID-19 test. Either way, if this results in you missing your flight, then you are still covered.
Benefits During the Trip
While you’re away on your trip, the Coronavirus travel insurance is where it provides its most important coverage. Should you get infected while you’re on foreign territories, your insurance company will provide a Coronavirus Curtailment Cover Coronavirus. It also offers Emergency Medical cover, where you should call the Assistance Company immediately.
This way, the insurance company can carry out a Coronavirus Medical Repatriation. They will also cover the expenses on the twenty-four-hour confinement as per the doctor’s advice. Additionally, miscellaneous accommodation and transport costs shall also be covered.
Things to Keep in Mind
If the government from your area currently recommends that travels should be stalled because of the Coronavirus, but no legal ban is implemented, you can still avail of travel insurance from some companies so that you can be covered for incidents that are not COVID-related. This is a safety net for when you need to curtail, cancel, or simply have a medical emergency that is NOT COVID-related. However, if you travel amidst a legal ban, you will not be covered by the company under any section of its policy.
If you bought a policy prior to the pandemic, it is best to check on updates on how Coronavirus will affect some sections of your policy, and ultimately, your trip. Keep in mind to regularly check for local government restrictions and bans, if there are any, and those that might affect the location you intend to visit before planning and starting a trip.
This is a fast-moving situation, meaning changes could take place anytime. This is especially true for when you or the person you are traveling with may have weak immune systems, or you might be traveling with elderly people, which are among the most vulnerable populations.
Consider any pre-existing medical conditions and consult with your doctor and your travel provider. Regularly check FCDO advice if you are from the UK. As much as insurance policies are a safety net for traveling, it is always important to be extra careful, especially now that the world is still battling the pandemic.
