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Travel insurance during COVID-19. What it includes and excludes


With the possibility of catching COVID-19 to consider, traveling has become even more stressful than before. Purchasing travel insurance online has been shown to help alleviate the stress that comes with traveling, such as missing a flight or losing your luggage.

With an ongoing epidemic, the ultimate stressor is whether or not COVID-19 is covered by the travel insurance under consideration.


Most travel insurance policies now include COVID-19, not just as a safety net against the danger of having to pay for unforeseen medical emergencies, but also for other travel-related emergencies such as losing your luggage or passport. Continue reading to learn about what is and is not covered by COVID travel insurance.

What does a COVID-19 travel insurance coverage cover?


Medical expenses: If the insured party has a medical emergency during their vacation, such as a disease or an injury, the travel insurance coverage will cover their medical expenses. The travel coverage will cover both inpatient and outpatient treatment, transportation costs, doctor-prescribed lab tests, repatriation of mortal remains, and doctor-prescribed lab testing. However, the specifics of what is covered will vary according on the policy.
Dental services:The medical costs linked with dental treatment can be prohibitively expensive. Most Travel Insurance packages, however, ensure that you do not have to worry about these expenditures, as insurers typically cover the price of dental care while traveling. However, if your primary reason for traveling is to have dental treatment, you should check with your insurer to see if this is covered, as it may not be.
Passport loss: What should you do if you lose your passport while traveling? You are covered by travel insurance. In most cases, the cost of acquiring a duplicate or new passport will be borne by your insurer if you lose the original while traveling.
Baggage loss: Almost all COVID-19 travel insurance policies cover the loss of any checked-in baggage on a trip. You should check with your insurance about reimbursement for any delays in the transportation of luggage that you have checked in.
Personal mishaps: A personal accident is something that should be considered, especially while traveling to a new region. Accidents are covered by travel insurance policies, and they provide reimbursement for them. If the insured dies as a result of an accident, the insurance company is obligated to pay the nominee a Sum. insured under the insurance
Emergency financial assistance: Tourists are frequently victimized by robbery, theft, money laundering, and other perilous scenarios. If this occurs, travel insurance will most likely pay the expense.
Trip cancellation: If you have to cancel your trip due to an unforeseen sickness, a technical problem with the airline, inclement weather, or other reasons, your Travel Insurance will cover the amount guaranteed to you, thanks to domestic flight cancellation insurance.
Home burglary: If your home back home is robbed while you are traveling, some Travel Insurance policies can compensate you with a payment equal to the amount insured.

What is not covered by a COVID-19 Travel Insurance policy?


1. Previous medical conditions

Your insurance is unlikely to cover any pre-existing medical issues you may have. There is usually a look-back period of 60 to 180 days previous to the policy start date, at which time any pre-existing medical issues must be disclosed to the insurer. A condition for which you were diagnosed or treated during the look-back period is unlikely to be covered by Travel Insurance.


2. Injuries caused by oneself

If you are injured due to self-inflicted and non-accidental injuries, your Travel Insurance is unlikely to compensate you.

3. Item loss as a result of intoxication

Another scenario in which your Travel Insurance is unlikely to compensate you is if you lose items such as your wallet or passport while under the influence of drugs or alcohol. These losses are ascribed to personal carelessness and are deemed non-accidental by your insurance, rendering them void.

4. Travel to receive medical treatment

International Travel Insurance with COVID-19 coverage is available. However, if you are traveling for the intention of receiving treatment in the form of a vaccination for COVID-19 or any other medical ailment, your insurer will not cover the cost of the therapy.

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