COVID-19 & The Need for Travel Insurance
Travel Insurance to Protect Your Trip & Your Health
Travel insurance has always been there to protect you and your trip expenses from the unexpected, but the onset of the COVID-19 pandemic in 2020 truly shed a light on how quickly travel plans can change and how important it is to have the proper coverage in place.
While COVID-19 restrictions, limitations, and requirements differ across the world and can change frequently, having travel insurance that offers protection and treats COVID-19 diagnosis the same as any other illness is essential. What if you test positive for COVID-19 right before your trip? During your trip? What if you have to extend your trip due to quarantine?
Travel Insurance to Meet COVID-19 Concerns
There are several ways a positive COVID-19 test can negatively impact your travel plans both before and during your travels, which makes having a travel protection plan in place critical. IMG's iTravelInsured travel protection plans can provide benefits for trip cancellation, trip interruption, and travel delay specifically caused by a COVID-19 diagnosis and/or a quarantine requirement. Below are some examples that could result in a payable claim due to COVID-19. *
Getting Sick Before You Leave
Your bags are all packed, you’re ready to go, and even if it isn’t required for your destination, you take a COVID-19 test before leaving for the vacation you’ve been looking forward to for months. When the test comes back positive, you contact your physician and realize you have to cancel your trip. With an iTravelInsured travel insurance plan, you can be reimbursed your prepaid, non-refundable insured trip expenses, up to the maximum benefit amount, as long as a physician determines at the time of cancellation that you are not able to travel due to a COVID-19 diagnosis.
Your Traveling Companion Gets Sick
What if you are traveling for vacation, to visit loved ones, or for other reasons and the person you are traveling with is the one to test positive for COVID-19? With a travel protection plan, you may have trip cancellation or trip interruption benefits that reimburse you as long as a physician has determined at the time of cancellation/interruption that your traveling companion is not able to travel or continue traveling due to a COVID-19 diagnosis.
Getting Sick While You’re Traveling
You are a couple of days into a journey across Europe when you wake up one morning with a fever and a dry cough. Because these are both symptoms of COVID-19, you take a COVID-19 test which comes back positive. Thankfully, you purchased a plan with trip interruption benefits prior to leaving for your trip, which means you can be reimbursed for your unused, prepaid payments or deposits for the travel arrangements made for your trip, plus the additional transportation cost paid, if a physician determines at the time of interruption that you are not able to continue traveling due to a COVID-19 diagnosis.
You Have to Quarantine While Traveling
If you test positive for COVID-19 while traveling, it’s bad enough that your trip plans have been ruined, but you may be required to quarantine past the day you expected to return home, thus being forced to extend your trip. If you have an iTravelInsured plan, you can be reimbursed for additional hotel and meal expenses you incur due to a travel delay because of a quarantine as long as a physician or government authority has ordered you to quarantine under strict medical isolation, confined 24/7 throughout its duration.
This advertisement contains highlights of the plans, which include travel insurance coverages underwritten by United States Fire Insurance Company under form series T7000 et. Al., T210 et. al. and TP-401 et. al. The Crum & Forster group of companies is rated A (Excellent) by AM Best 2022. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. The plans also contain non-insurance Travel Assistance Services provided by iTravelInsured. Coverages may vary and not all coverage is available in all jurisdictions. coverages are subject to the terms, limitations and exclusions in the plan, including an exclusion for pre-existing conditions. Benefits and limits may vary by state of residence and not all plans are available in all states. In most states, your travel retailer is not a licensed insurance producer/agent, and is not qualified or authorized to answer technical questions about the terms, benefits, exclusions, and conditions of the insurance offered or to evaluate the adequacy of your existing insurance coverage. CA DOI toll free number: 800-927-4357. The cost of your plan is for the entire plan, which consists of both insurance and non-insurance components. Individuals looking to obtain additional information regarding the features and pricing of each travel plan component, please contact International Medical Group 9200 Keystone Crossing Suite 800 Indianapolis, IN 46240 USA. Insurance@imglobal.com. +1 (317) 655-9796. iTravelInsured Insurance Services CA Non-Resident Producer License No. 0F17093.