Finding Guidance for COVID-19 Coverage

Does my travel insurance cover COVID-19? That question has become more critical as the pandemic numbers increase. InsureMyTrip, a travel insurance comparison site, offers help through a recommendation tool to guide travelers towards plans best suited for these travel concerns.

The catch? Travelers can review the expanding list of highlighted plans only after completing an online quote form.

“This simple recommendation tool can save travelers hours of searching online for travel insurance that is specifically designed to guard against COVID-19,” says director of e-commerce Cheryl Golden. “While there are limited options in the marketplace for travelers seeking coverage related to COVID-19, we offer these plans at InsureMyTrip – and now, thanks to this new recommendation feature, travelers are able to find them with ease.”

This technology upgrade comes following a new customer survey showing that over 90 percent of travelers are interested in cancel for any reason coverage.

Some possible coverage options:

Trip Cancellation

While traditional trip cancellation does not allow a traveler to cancel a trip due to COVID-19 fears, it may cover a traveler in the event he or she gets sick from COVID-19 and must cancel a trip. This recommendation feature highlights plans that offer coverage for this specific scenario.

Trip Interruption 

In the event a traveler gets sick from COVID-19 and the trip is interrupted, this coverage may apply.

Cancel For Any Reason (CFAR)

If eligible, this protection allows travelers the option to cancel a trip due to concerns over COVID-19 whereas traditional trip cancellation coverage does not.

CFAR is typically an optional, time-sensitive benefit available on some plans that allows a traveler to cancel a trip for any reason, up to 48 hours prior to the scheduled departure. Reimbursement is usually up to 50-75 percent of the prepaid, non-refundable trip cost, depending on the plan selected. A traveler must meet specific eligibility requirements and must purchase a policy with CFAR selected within 10-21 days after making an initial trip payment, depending on the plan selected.

Quarantine Coverage

Quarantine coverage is a valuable coverage that can trigger Trip Cancellation, Trip Interruption, and/or Travel Delay benefits. It is designed to provide coverage in the event a traveler must cancel a trip due to a forced quarantine, typically by a physician’s order. Only select travel insurance plans will offer this.

Note: Cancellation due to shelter in place, stay-at-home orders, or a state-mandated quarantine are not covered unless CFAR has been purchased.

Emergency Medical Coverage

Emergency medical coverage is already included in comprehensive travel insurance plans. This coverage is designed to help cover the cost of unexpected hospital or doctor visits while on a trip. All plans highlighted in the COVID-19 recommendation page do include emergency medical coverage which may help in the event he or she contracts COVID-19 while traveling.

Travelers must read the full terms and conditions for the plan, including all the limitations and exclusions.

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