If you catch COVID-19 during travel and need to have medical attention, travel insurance does cover medical. However, you catch COVID before you travel and have to cancel the trip or that the border / country closes doors to travelers, travel insurance would not cover any of the trip cancellation costs.I hope some of you can help me out. We've never purchased travel insurance but are now wanting to do so. Not for just a one time trip but an annual policy. We don't have any plans do international traveling at this time but would go back to St. Thomas and Hawaii.
1. I thought I read other people saying that travel insurance carriers aren't covering anything that can in any way be COVID related. Is this true for your travel insurance company?
2. Are there different types of policies, levels of coverage, and what would you suggest?
3. Who is your travel insurance carrier, have you ever had a claim with them and would you be 100% comfortable in recommending them?
Thanks in advance for any help.
I have claimed with Allianz for medical and it was fairly painless. I have also claimed through CSR and it was very painful but I got back the full amount, $10K, that I could not get refunded when I cancelled my trip. I have bought GeoBlue annual multi-trip policies for international travel for 2 years but have not had the need to file a claim.
For my upcoming Hawaii trip, I added a cheapo insurance through United when purchasing the tickets. We may go to Spain and Italy towards the end of the year and we will definitely get a medical and evacuation only insurance when we buy our air tickets. I don't worry about losing the trip costs but I don't want to be caught with expensive medical and evacuation expenses.