@Atlas Traveler ,
@peregrina2000
I’m not trying to be disagreeable, but I think travel insurance Is more complicated right now and I feel obligated to encourage people to be a little nervous about the insurance and really look into it.
Note:Travel insurance is country specific. My information is about United States issued insurance.
The information I got said, yes, travel insurance will cover you if you’re sick or need hospitalization from COVID-19, or any other illness or injury. Always.
The pandemic exclusion, though,
would not cover medical evacuation, quarantine or loss of trip costs.
BUT, if there are travel restrictions in place, nothing is covered. Another words if Spain is not allowing travelers in from your country and you chose to somehow go anyway, then the insurance will not cover you for Covid or anything else. The same is true if your resident country is recommending you do not go to a certain country or location. Also your coverage would expire if you refuse to leave a country that becomes restricted while you are there.
This was information I got from aggresively questioning insurers and reading the fine print on US issued travel insurance. Other countries would be different.
Just remember that their job is to sell you insurance, and it’s buyer beware if you don’t study the fine print. When I looked into this my Insurance agent, who was the person who specialized in it at their office in travel insurance, also found it confusing.
This information was gathered several months ago, so it’s possible I’m wrong now and it has changed. But I would want to see it in writing.
@Atlas Traveler Seems to have found insurance that will cover you for Covid while you travel even now. I would still be careful and research the insurer.
It did quote me $200 for 30 days, I’m in my 50s. And the policy is up to $100,000. With Spain as my primary destination. Not sure what $100,000 buys in a Spanish hospital, if you’re on a ventilator. Certainly much more than it does in the US.
It’s from Atlas travel insurance, Tokio Marine HCC, which I’ve never heard of but that doesn’t mean anything.
Here is the relevant wording from the contract. They do seem to specifically exclude the pandemic exclusion for Covid, at the end.
.
“44. Any illness or injury incurred as a result of epidemics, pandemics, public health emergencies, natural disasters, or other disease outbreak conditions that may affect a person’s health when, prior to your effective date, any of the following were issued:
a. The United States Centers for Disease Control & Prevention had issued a Warning/Alert Level 3 or higher for a location or destination, including common carriers; or
b. The United States Centers for Disease Control & Prevention had issued a Global or Worldwide Warning/Alert Level 3 or higher.
This exclusion is applicable when 1) any of the above were in effect within 6 months immediately prior to your effective date or 2) within 10 days following the date the alert/warning is issued you have failed to depart the country or location. This exclusion does not apply to charges resulting from COVID-19/SARS-CoV-2.“