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COVID Medical Insurance while traveling in Spain

Jean Ti

Active Member
Camino(s) past & future
.
I am considering a walking Trip on the Camino toward the end of this year and I am wondering about medical travel insurance.

Now that the Covid 19 is a pre-existing condition or situation I am wondering if it is possible to protect myself with some insurance while away?

I fear that if I go and I become sick the medical fees could be expansive.

Of course I will wear a mask and follow all the rules require by the authority.

Any suggestions would be helpful.
 

trecile

Camino Addict
Camino(s) past & future
Francés (2016 & 2017), Norte (2018), Francés-Salvador-Norte (2019), Portuguese (2019)
I am considering a walking Trip on the Camino toward the end of this year and I am wondering about medical travel insurance.

Now that the Covid 19 is a pre-existing condition or situation I am wondering if it is possible to protect myself with some insurance while away?

I fear that if I go and I become sick the medical fees could be expansive.

Of course I will wear a mask and follow all the rules require by the authority.

Any suggestions would be helpful.
You would need to contact medical travel insurance providers in your country and see what their policies are.
 

Jean Ti

Active Member
Camino(s) past & future
.
You would need to contact medical travel insurance providers in your country and see what their policies are.
Thank you for your suggestion. I just check and travel insurance is not for sale currently in Canada for the moment.

I will check again in August.
 

peregrina2000

Moderator
Staff member
Thank you for your suggestion. I just check and travel insurance is not for sale currently in Canada for the moment.

I will check again in August.
I have an annual global medical insurance policy with United Healthcare (in the US) and it will cover my medical expenses and a medical evacuation (and even more morbidly, a repatriation of my remains) if I should be so lucky to find myself in Spain this year and so unlucky as to get covid. A lot of the discussion on this forum has been about pandemic exceptions to travel insurance. But what my UHC customer service people tell me is that the pademic exclusion is about an exclusion from coverage for trip cancellation and NOT an exclusion for medical expenses if you happen to fall ill from covid while traveling. But @trecile’s advice is spot on, you should contact your own insurance company.
 

Kanga

Moderator
Staff member
Camino(s) past & future
Francés x 5, Le Puy x 2, Arles, Tours, Norte, Madrid, Via de la Plata, Portuguese, Primitivo
Slightly off topic, but I think still relevant. We have examples of countries suddenly imposing lockdowns and quarantine - as is currently the case in Beijing. It is very expensive to get stuck in some places and flights home can become expensive. Not many insurers will cover those costs because they are caused by a pandemic. Perhaps wise to have access to emergency funds.
 
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Jean Ti

Active Member
Camino(s) past & future
.
Thank you for your suggestion. I just check the average cost of a medical evacuation/repatriation and from Europe we are talking approximately 50k US

Will walk from home I guess...
 

peregrina2000

Moderator
Staff member
Slightly off topic, but I think still relevant. We have examples of countries suddenly imposing lockdowns and quarantine - as is currently the case in Beijing. It is very expensive to get stuck in some places and flights home can become expensive. Not many insurers will cover those costs because they are caused by a pandemic. Perhaps wise to have access to emergency funds.
That was what I found when I called my insurance co, @Kanga. If you’re in the hospital with covid, the medical insurance policy will probably cover your medical expenses, but if you are healthy and just stuck with nowhere to go, the travel insurance policy is likely to exclude pandemics. I don’t ever buy insurance to cover the travel portion of the trip, because I have heard several anecdotes from people about nitpicking exclusions. Changing a plane reservation is usually a manageable expense, except in these crazy covid times perhaps, but I agree that people who plan to travel during this time should have reserves to get them through a lockdown, and then enough to buy what may be a very expensive one way ticket.

There are several students from Argentina who are currently stuck in my hometown. There are no flights going there, and they are out of money anyway, so it’s not clear what will happen to them. And to top it all off, their visas have expired!
 

Colette Z

Happy Pilgrim
Camino(s) past & future
CF- Finisterre-Muxia 03/17; Camino SK 10/17; Norte 03/18; Ingles 11/18; Augusta 03/19
I have an annual global medical insurance policy with United Healthcare (in the US) and it will cover my medical expenses and a medical evacuation (and even more morbidly, a repatriation of my remains) if I should be so lucky to find myself in Spain this year and so unlucky as to get covid. A lot of the discussion on this forum has been about pandemic exceptions to travel insurance. But what my UHC customer service people tell me is that the pademic exclusion is about an exclusion from coverage for trip cancellation and NOT an exclusion for medical expenses if you happen to fall ill from covid while traveling. But @trecile’s advice is spot on, you should contact your own insurance company.
Good clarification thanks!
 

Kanga

Moderator
Staff member
Camino(s) past & future
Francés x 5, Le Puy x 2, Arles, Tours, Norte, Madrid, Via de la Plata, Portuguese, Primitivo
There are several students from Argentina who are currently stuck in my hometown. There are no flights going there, and they are out of money anyway, so it’s not clear what will happen to them. And to top it all off, their visas have expired!
Yes, we have backpackers in Australia in a similar situation.
 

Sanman

New Member
Camino(s) past & future
Camino Francis, Portuguese Camino (Cluny, Le Puys), Hadrian's Wall, West Highland Way
I am considering a walking Trip on the Camino toward the end of this year and I am wondering about medical travel insurance.

Now that the Covid 19 is a pre-existing condition or situation I am wondering if it is possible to protect myself with some insurance while away?

I fear that if I go and I become sick the medical fees could be expansive.

Of course I will wear a mask and follow all the rules require by the authority.

Any suggestions would be helpful.
Hi Jean

I'm in Canada done a few Caminos and was planning Le Puys for April - May (now past)...I also winter in Florida. Currently we can't travel to Europe, nor can you buy insurance. Also what I have been told (i called several companies) is that when travel does become available it will not cover Covid (a pre-existing condition). That being said I'm sure the actuaries will figure out the risk reward and come up with something! Everyone will need insurance and it will need to be offered for people to get moving again...but for now it's wait and see
 

peregrina2000

Moderator
Staff member
Hi Jean

I'm in Canada done a few Caminos and was planning Le Puys for April - May (now past)...I also winter in Florida. Currently we can't travel to Europe, nor can you buy insurance. Also what I have been told (i called several companies) is that when travel does become available it will not cover Covid (a pre-existing condition). That being said I'm sure the actuaries will figure out the risk reward and come up with something! Everyone will need insurance and it will need to be offered for people to get moving again...but for now it's wait and see
Are you sure that the insurance will not cover medical treatment for covid? I am assuming you are certain because of what you wrote, but the exclusion for pre-existing conditions usually refers to conditions that the traveler has (like heart failure or something), not conditions that are pre-existing in the places where you travel.

What I have found to be the case with regard to US companies is that the two I have called both said that your medical coverage will extend to covid (so if you are infected there and require hospitalization, the company will cover those expenses, and it will also cover a medical evacuation if you need it). But what cannot be insured against, as of now, is trip cancellation. So if you get to Spain or France and can’t leave the country because of a covid lock-down, you cannot get reimbursed for the cost of the flight you lost, the new flight you will have to book, or the costs you incur having to stay in Europe. That’s because the trip cancellation insurance has an exclusion for pandemics.

I’m not disputing what you say, but think it would be worth clarification, just because the term pre-existing condition doesn’t really fit here. And I also find it very hard to believe that there is ANY situation in which the US health care system might be superior to Canada’s. :D
 

Sanman

New Member
Camino(s) past & future
Camino Francis, Portuguese Camino (Cluny, Le Puys), Hadrian's Wall, West Highland Way
Are you sure that the insurance will not cover medical treatment for covid? I am assuming you are certain because of what you wrote, but the exclusion for pre-existing conditions usually refers to conditions that the traveler has (like heart failure or something), not conditions that are pre-existing in the places where you travel.

What I have found to be the case with regard to US companies is that the two I have called both said that your medical coverage will extend to covid (so if you are infected there and require hospitalization, the company will cover those expenses, and it will also cover a medical evacuation if you need it). But what cannot be insured against, as of now, is trip cancellation. So if you get to Spain or France and can’t leave the country because of a covid lock-down, you cannot get reimbursed for the cost of the flight you lost, the new flight you will have to book, or the costs you incur having to stay in Europe. That’s because the trip cancellation insurance has an exclusion for pandemics.

I’m not disputing what you say, but think it would be worth clarification, just because the term pre-existing condition doesn’t really fit here. And I also find it very hard to believe that there is ANY situation in which the US health care system might be superior to Canada’s. :D
When Covid hit all major insurers in Canada (Manulife, Sunlife, RBC etc. etc.,) stopped covering Covid if people travelled. Pre-existing environmental conditions are whatever vernacular they use...they were not going to cover people travelling, knowing they could get infected and present them with a big claim.
I have called these companies - plus Snowbird Insurance whom i use for US travel and no Covid coverage - none.
Will it change?, don't know but i do know they will need a solution as countless Canadians like me go south and of course people want to start travelling again. So maybe the gov't will help, maybe the insurers will find a way...I'm waiting to see if i can go to Florida in Nov (the only thing holding me back is insurance 'cause if you get sick you could be bankrupt.)
If you discover anything different please post, but this is what i have found and i have been buying insurance for 30 yrs. I continually check in as well - but given the US border is closed and the European border for us it'sm currently ...but hopefully in a few months there will be clarity!
 

C clearly

Moderator
Staff member
Camino(s) past & future
Frances (2012, 2014, 2015, 2016), VDLP (2017), Mozarabe (2018), Vasco/Bayona (2019)
they were not going to cover people travelling
Wouldn't that be based on travelling against the public health directives and warnings that are currently in place? Once those directives change, the insurance coverage will.
 

Sanman

New Member
Camino(s) past & future
Camino Francis, Portuguese Camino (Cluny, Le Puys), Hadrian's Wall, West Highland Way
Wouldn't that be based on travelling against the public health directives and warnings that are currently in place? Once those directives change, the insurance coverage will.
we'll see...
 

peregrina2000

Moderator
Staff member
Yes, I think @C clearly may be on to something. It seems that the government directives were the trigger for exclusion. My trusty research tool, google, brought me to this government website.

I am not a big fan of insurance companies, having lost several expensive battles about what turned out to be convoluted exclusions to coverage on our car and home policies in the US. So maybe I am jaded and being unfair. But for these companies to say they won’t cover you for covid because of pre-existing environmental conditions is like them telling you they won’t cover you for medical expenses for treatment for malaria if you go to parts of the world where malaria is prevalent. That’s of course why you want the insurance in the first place!

This one website seems to offer some hope to Canadians, but it may be only for those who found themselves stranded in the US after covid started. I have never heard of this company and cannot vouch for their reputation or honesty, though.

Good luck, @Sanman, keep us posted! Buen camino, Laurie
 

Sanman

New Member
Camino(s) past & future
Camino Francis, Portuguese Camino (Cluny, Le Puys), Hadrian's Wall, West Highland Way
Yes, I think @C clearly may be on to something. It seems that the government directives were the trigger for exclusion. My trusty research tool, google, brought me to this government website.

I am not a big fan of insurance companies, having lost several expensive battles about what turned out to be convoluted exclusions to coverage on our car and home policies in the US. So maybe I am jaded and being unfair. But for these companies to say they won’t cover you for covid because of pre-existing environmental conditions is like them telling you they won’t cover you for medical expenses for treatment for malaria if you go to parts of the world where malaria is prevalent. That’s of course why you want the insurance in the first place!

This one website seems to offer some hope to Canadians, but it may be only for those who found themselves stranded in the US after covid started. I have never heard of this company and cannot vouch for their reputation or honesty, though.

Good luck, @Sanman, keep us posted! Buen camino, Laurie
Thx for your research.
The site is pretty clear though.."Travel insurance providers no longer cover travel booked on or after March 13, 2020, when the official global travel advisory came into effect. If you are already outside Canada, including the United States, you may have to remain there for some time".
In order to reboot the world's travel economies - airlines, hotels, restaurants, trains, tour companies etc etc there will need to be some form of travel insurance offered. Maybe it will cover Covid may not but you can bet the actuaries will do the math on the profit potential!
They may want to wait for the vaccine - which i don't think will work as things need to get moving and who knows if or when that will happen.
So my theory and that's all it is, is that to get things moving countries will get insurers to step up (maybe gov't backed) because as a minimum you need travel insurance and then i guess the question becomes will people (tourists, walkers, businesses) travel anywhere without the additional Covid coverage?...some will some won't.
Hence i believe there will need to be some form of gov't backed initiative otherwise only a fraction of the people that can travel, will, and again they need to get people out travelling and spending.
Now, back to my second favourite topic (after the Camino) identifying native trees!
 

C.C.

Member
Camino(s) past & future
May 2017
Are you sure that the insurance will not cover medical treatment for covid? I am assuming you are certain because of what you wrote, but the exclusion for pre-existing conditions usually refers to conditions that the traveler has (like heart failure or something), not conditions that are pre-existing in the places where you travel.

What I have found to be the case with regard to US companies is that the two I have called both said that your medical coverage will extend to covid (so if you are infected there and require hospitalization, the company will cover those expenses, and it will also cover a medical evacuation if you need it). But what cannot be insured against, as of now, is trip cancellation. So if you get to Spain or France and can’t leave the country because of a covid lock-down, you cannot get reimbursed for the cost of the flight you lost, the new flight you will have to book, or the costs you incur having to stay in Europe. That’s because the trip cancellation insurance has an exclusion for pandemics.

I’m not disputing what you say, but think it would be worth clarification, just because the term pre-existing condition doesn’t really fit here. And I also find it very hard to believe that there is ANY situation in which the US health care system might be superior to Canada’s. :D
The term my insurance is using is “known condition” for Covid-19 and as such ... does not cover it.
 

trecile

Camino Addict
Camino(s) past & future
Francés (2016 & 2017), Norte (2018), Francés-Salvador-Norte (2019), Portuguese (2019)
The term my insurance is using is “known condition” for Covid-19 and as such ... does not cover it.
It doesn't provide medical care if you contract Covid? Or the rest of the insurance - replacing flights, repatriation, etc. isn't covered?
 
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Marbe2

Active member
Camino(s) past & future
2015-2019 walked all or more than half of CF 7 times... CP recently cancelled by Covid 19!
When Covid hit all major insurers in Canada (Manulife, Sunlife, RBC etc. etc.,) stopped covering Covid if people travelled. Pre-existing environmental conditions are whatever vernacular they use...they were not going to cover people travelling, knowing they could get infected and present them with a big claim.
I have called these companies - plus Snowbird Insurance whom i use for US travel and no Covid coverage - none.
Will it change?, don't know but i do know they will need a solution as countless Canadians like me go south and of course people want to start travelling again. So maybe the gov't will help, maybe the insurers will find a way...I'm waiting to see if i can go to Florida in Nov (the only thing holding me back is insurance 'cause if you get sick you could be bankrupt.)
If you discover anything different please post, but this is what i have found and i have been buying insurance for 30 yrs. I continually check in as well - but given the US border is closed and the European border for us it'sm currently ...but hopefully in a few months there will be clarity!

Respectfully, I doubt that a government will in some way financially support or incentivize travel insurance for COVID outside their own borders? Sanman, I understand your desire... We all want to get back to traveling. But I think, realistically, there will unlikely be reasonable travel insurance covering covid, until there is an effective, safe vaccine or theraputics that minimize treatment and cost. Even if there is a breahthrough, it will take time for those interventions to filter down to us and insurance companies. In the meantime, why not explore places at home and be safe.
 
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Sanman

New Member
Camino(s) past & future
Camino Francis, Portuguese Camino (Cluny, Le Puys), Hadrian's Wall, West Highland Way
You may be right, the initial thread was someone wondering if they could get travel insurance - I'm under no duress to travel anytime soon.
As to insurance ...I don't know...nobody knows. I was just offering a perspective. I do know the government has spent billions supporting individuals small and large businesses - rightly so. For people to travel they will need insurance (even without Covid coverage they will need basic travel insurance as if one gets laid up in a foreign hospital the bills could be staggering)...my speculation is insurance companies will do the math (actuarial tables based on infection rates, cost etc) and come up with a travel insurance fee...if people still don't travel the gov't may step in...but just a theory.
I have travelled the world extensively including my own country...I have no trouble waiting until the time is right to travel again...and i know a lot of places (including the Camino are relying on people to get back out there at some point. Besides my Camino company is holding all the money I paid for our trip as is the airline and hotels and trains...but i digress. We will travel there will be insurance just who knows when! Good Walking!
 

Marbe2

Active member
Camino(s) past & future
2015-2019 walked all or more than half of CF 7 times... CP recently cancelled by Covid 19!
You may be right, the initial thread was someone wondering if they could get travel insurance - I'm under no duress to travel anytime soon.
As to insurance ...I don't know...nobody knows. I was just offering a perspective. I do know the government has spent billions supporting individuals small and large businesses - rightly so. For people to travel they will need insurance (even without Covid coverage they will need basic travel insurance as if one gets laid up in a foreign hospital the bills could be staggering)...my speculation is insurance companies will do the math (actuarial tables based on infection rates, cost etc) and come up with a travel insurance fee...if people still don't travel the gov't may step in...but just a theory.
I have travelled the world extensively including my own country...I have no trouble waiting until the time is right to travel again...and i know a lot of places (including the Camino are relying on people to get back out there at some point. Besides my Camino company is holding all the money I paid for our trip as is the airline and hotels and trains...but i digress. We will travel there will be insurance just who knows when! Good Walking!
I came across this article on Insurance for COVID TRAVEL and thought it might be what you are looking for.... It appears the max. Insurance is $100,000.
 

NiniSum

Member
Camino(s) past & future
C Frances (2012: Leon to SdC) C Finisterre (2012) C Frances (2015: SJPP to Leon) C Inglés (2019)
My understanding in Canada is that until the government's Global Travel Advisory is lifted, there will be no non-essential international travel, and insurance will not be available. Once the travel advisory is removed, then we may have a better idea of how the insurance industry will (or will not) cover Covid-related illnesses while travelling.
 

Mycroft

Active Member
Are you sure that the insurance will not cover medical treatment for covid? I am assuming you are certain because of what you wrote, but the exclusion for pre-existing conditions usually refers to conditions that the traveler has (like heart failure or something), not conditions that are pre-existing in the places where you travel.

What I have found to be the case with regard to US companies is that the two I have called both said that your medical coverage will extend to covid (so if you are infected there and require hospitalization, the company will cover those expenses, and it will also cover a medical evacuation if you need it). But what cannot be insured against, as of now, is trip cancellation. So if you get to Spain or France and can’t leave the country because of a covid lock-down, you cannot get reimbursed for the cost of the flight you lost, the new flight you will have to book, or the costs you incur having to stay in Europe. That’s because the trip cancellation insurance has an exclusion for pandemics.

I’m not disputing what you say, but think it would be worth clarification, just because the term pre-existing condition doesn’t really fit here. And I also find it very hard to believe that there is ANY situation in which the US health care system might be superior to Canada’s. :D
This is confusing, for sure. Note that there is technically a difference between pre-existing condition and Force Majeure. Pre-existing would be some condition such as heart failure that you have before you apply for coverage. I wonder if the insurance companies use the term meaning you have COVID before your coverage starts. Are you sure they are defining pre-existing as coming down with COVID while travelling?
Another thing that I noticed yesterday is in my Medicare coverage--in the US we basically are forced at age 65 to sign up for very expensive health insurance. Yesterday I was reading my policy, which has a section saying they cover emergency care in foreign countries if that condition was something they would cover if the person was in the US. That, of course, doesn't cover prolonged hospitalization or evac flights home, so supplemental coverage is warranted. But I've been told for years Medicare doesn't cover anything out of the US. Any other folks out there from the US who know more than I on this?
 

Marbe2

Active member
Camino(s) past & future
2015-2019 walked all or more than half of CF 7 times... CP recently cancelled by Covid 19!
Check
This is confusing, for sure. Note that there is technically a difference between pre-existing condition and Force Majeure. Pre-existing would be some condition such as heart failure that you have before you apply for coverage. I wonder if the insurance companies use the term meaning you have COVID before your coverage starts. Are you sure they are defining pre-existing as coming down with COVID while travelling?
Another thing that I noticed yesterday is in my Medicare coverage--in the US we basically are forced at age 65 to sign up for very expensive health insurance. Yesterday I was reading my policy, which has a section saying they cover emergency care in foreign countries if that condition was something they would cover if the person was in the US. That, of course, doesn't cover prolonged hospitalization or evac flights home, so supplemental coverage is warranted. But I've been told for years Medicare doesn't cover anything out of the US. Any other folks out there from the US who know more than I on this?
Check this out regarding Medicare coverage
 
This is confusing, for sure. Note that there is technically a difference between pre-existing condition and Force Majeure. Pre-existing would be some condition such as heart failure that you have before you apply for coverage. I wonder if the insurance companies use the term meaning you have COVID before your coverage starts. Are you sure they are defining pre-existing as coming down with COVID while travelling?
Another thing that I noticed yesterday is in my Medicare coverage--in the US we basically are forced at age 65 to sign up for very expensive health insurance. Yesterday I was reading my policy, which has a section saying they cover emergency care in foreign countries if that condition was something they would cover if the person was in the US. That, of course, doesn't cover prolonged hospitalization or evac flights home, so supplemental coverage is warranted. But I've been told for years Medicare doesn't cover anything out of the US. Any other folks out there from the US who know more than I on this?
Medicare doesn't cover you outside of the U.S. Most travel agents are not familiar with insurance so I highly recommend speaking to an insurance agent that specializes in international travel insurance. There are policies which cover pre-existing medical conditions. medical evacuation, quarantine expenses, emergency reunion (flies a loved one to your bedside) and COVID. Plus if you need to file a claim, from my experience it is a lot easier working with your insurance agent instead of working directly with the large insurance company. My parents, brother and I have all utilized travel insurance for accidents, illnesses and unforeseen emergencies in Vietnam, Panama and Mozambique. If you need a referral, then please let me know. Safe Travels :)
 

Orlando Wren

Member
Camino(s) past & future
Frances (2018), Fisterra (2018)
Portuguese from Porto (Oct 2018)
Frances (July-Aug 2019)
Thank you all for continuing this conversation. Here I was, busy trying to figure out a way to travel to Europe and haven't even checked to see if I could get travel insurance to cover COVID medical expenses overseas, should I be lucky enough to travel and unlucky enough to get infected. So I'm following the conversation.....
 
Camino(s) past & future
CF : stages 2008, 2017, 2018 ; completed.
This travel insurance is from trailfinders in the Uk, https://www.trailfinders.com/travel-insurance
It claims to cover Covid19
Yes, it does claim to cover Covid-19 including cancellation costs.

I entered our details for a quotation : ages 75, 71 ; European travel for 9 days in September of this year ; no health questions asked (surprisingly) :

Costs : single-trip : £202-00 ; annual multi-trip (which claimed to be worldwide) : £999-00.

So, fully covered for all health events...but at a price. Before Covid-19, I would have expected single-trip as above for about £60-00 and annual multitrip (Europe only) for about £150-00.

PS : I have just run a second quote for a CF-length trip : 3 September to 8 October 2020 comes out at...£658-00 for two people, ages as above.

PPS : available only to residents of Europe ; some exclusions of which one is Switzerland (??) ; must be 75 or under when policy commences.
 
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Stephan the Painter

Active Member
Camino(s) past & future
Frances(2020)
This is the information I got for US insurance. And it sounds like maybe the Canadian insurance companies are pretty much saying the same thing? As long as there’s an advisory from your government against traveling somewhere they don’t cover it. So if your government tells you not to go to Spain because of the risk of COVID-19, your insurance won’t cover it. Once the travel advisory is lifted, they will cover it.

If there was a travel advisory against going someplace because of malaria, your insurance also wouldn’t cover it.

You can see how the travel advisory is key.

US insurance always covers medical expenses if you get sick or hurt while traveling except in a place where you shouldn’t be per your governments advice (“A travel advisory“). The exception to this is if you can prove that you were unable to leave.

But what the Insurance company will not cover, irregardless of what your government tells you, is for trip cancellation or evacuation, if they think you shouldn’t go there (travel advisory or not, doesn’t matter).

Whatever your insurance company seems to cover, make sure you have it in writing if there’s any questions. I believe for legal purposes an email is good enough. I believe the above information is accurate, but you should assume I’m an idiot who doesn’t know what he’s talking about and check it for yourself. It’s too important.

This information came from Blue Cross Blue Shield in the United States, and the US representative of the world nomads, which I believe is an Australian company.
 
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Orlando Wren

Member
Camino(s) past & future
Frances (2018), Fisterra (2018)
Portuguese from Porto (Oct 2018)
Frances (July-Aug 2019)
This is the information I got for US insurance. And it sounds like maybe the Canadian insurance companies are pretty much saying the same thing? As long as there’s an advisory from your government against traveling somewhere they don’t cover it. So if your government tells you not to go to Spain because of the risk of COVID-19, your insurance won’t cover it. Once the travel advisory is lifted, they will cover it.

If there was a travel advisory against going someplace because of malaria, your insurance also wouldn’t cover it.

You can see how the travel advisory is key.

US insurance always covers medical expenses if you get sick or hurt while traveling except in a place where you shouldn’t be per your governments advice (“A travel advisory“). The exception to this is if you can prove that you were unable to leave.

But what the Insurance company will not cover, irregardless of what your government tells you, is for trip cancellation or evacuation, if they think you shouldn’t go there (travel advisory or not, doesn’t matter).

Whatever your insurance company seems to cover, make sure you have it in writing if there’s any questions. I believe for legal purposes an email is good enough. I believe the above information is accurate, but you should assume I’m an idiot who doesn’t know what he’s talking about and check it for yourself. It’s too important.

This information came from Blue Cross Blue Shield in the United States, and the US representative of the world nomads, which I believe is an Australian company.
GREAT INFO, THANK YOU! ;)
 

Marbe2

Active member
Camino(s) past & future
2015-2019 walked all or more than half of CF 7 times... CP recently cancelled by Covid 19!
GREAT INFO, THANK YOU! ;)

Please explain?

But what the Insurance company will not cover, irregardless of what your government tells you, is for trip cancellation or evacuation, if they think you shouldn’t go there (travel advisory or not, doesn’t matter).

it seems to me that if the insurance company decides we should not go there regardless of gov. Then they can decide not to pay whenever they wish to?
Not reassuring to me
 
Camino(s) past & future
Camino Ingles 2016 Camino Portuguese 2017 Considering Invierno late (2020) In lieu of VdlP (2020)
I am considering a walking Trip on the Camino toward the end of this year and I am wondering about medical travel insurance.
The first issue is that if your originating country has a travel advisory warning you not to travel to country XXXXX. Then all insurances are usually null and void unless you were in-country before the advise was posted!

If this is not the case then you need to ask a reputable Insurance Broker to find you a policy that will cover your requirements concerning; Health Cover, Repatriation, Consequential loss for travel Interruption etc.

The good news about Spain is that anyone ill will not be refused medical help at the point of need. You are not normally required to pay for medical treatment (except for pharmacy prescription charges) up front or when treatment ceases. You will be billed by the Hospital and either you or the Insurance will settle the Bill when you are back home.

My experience of Canadian Healthcare was more in the line of show us your credit card before we will stench the flow of arterial blood from your leg wound:mad:
 

Stephan the Painter

Active Member
Camino(s) past & future
Frances(2020)
Please explain?

But what the Insurance company will not cover, irregardless of what your government tells you, is for trip cancellation or evacuation, if they think you shouldn’t go there (travel advisory or not, doesn’t matter).

it seems to me that if the insurance company decides we should not go there regardless of gov. Then they can decide not to pay whenever they wish to?
Not reassuring to me

No, they can’t just decide not to cover you. It is whatever was the situation the day you purchased the insurance. Of course they can’t just change it later. You have a contract. The only way that insurance gets changed is if there’s some sort of travel advisory issued by your country.

Another words you can buy insurance to visit country A, And then if during your trip your government says that you should leave that country because of some danger, then the insurance company would have the right to not cover you if you refuse to leave. If, for instance you were in the hospital, and you were unable to leave, the insurance will still cover you. They are not willing to cover you for stupid risks, like refusing to leave a war zone or a zone where there is an active pandemic. But they would have an obligation, if your insurance policy covered it, to evacuate you if necessary.

People who purchased insurance for trips to China in January, with trip cancellation coverage, did get payouts if they purchased the insurance before there were pandemic issues. But after a certain date, You could no longer buy insurance that would cover you.

I think what people have trouble understanding is that once there’s a health or other danger, why would any insurance cover it? An insurance company wouldn’t sell your flood insurance if you lived next to a river that flooded every year. I don’t even understand what people are looking for. Nobody’s selling good coverage right now, and I think if you find it, it’s either going to be a lie or very expensive.

I’m not sure what the status of travel advisories from the United States state department is right now. But I’m pretty sure that any travel insurance company would have a COVID-19 policy clearly on its website. And if it doesn’t, I wouldn’t buy it. You can read the fine print in their policies and there usually is a pandemic exclusion, but it’s all very difficult to understand.

The only way you can even fly to Europe from the US is if you’re deemed essential. What insurance company is going to sell a tourist insurance under those circumstances? And I’m just guessing, but I bet European travel insurance isn’t willing to sell travel insurance to people wanting to come to the United States right now.

Again, my disclaimer, you should assume I am an idiot who doesn’t know what he’s talking about and do your own research.
 
Last edited:
Thread starter OLDER threads on this topic Forum Replies Date
Galloglaigh Covid and the Camino 12
OLDER threads on this topic
COVID Travel Insurance for post Covid trips

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