Bharti AXA General Insurance is now part of ICICI Lombard General Insurance.

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Does Travel Insurance Cover Illness Due to Covid-19?

If you are wondering what exactly is covered as part of the COVID-19 disease cover in travel insurance, then this article is for you.

  • 05 Aug 2022
  • min read
  • 178 views

Yes, travel insurance these days does cover health emergencies due to coronavirus. Since the outbreak of the COVID-19 pandemic, many insurers have started including COVID-19 coverage in their travel insurance policies. If you are wondering what is exactly covered as part of the coronavirus cover, this article is for you. Keep reading.

1 . Medical treatment

 Because of how the virus has spread, one can't avoid the fact that they're always at risk of contracting the disease. The situation gets significantly worse if you develop COVID-19 while travelling abroad. The high cost of healthcare facilities and services worldwide can often be a source of anxiety for many travellers. However, with travel insurance, you need not worry about the COVID-19 treatment costs.

2. Unexpected lockdowns

Given the current situation, it is too early to say whether or not a lockdown will be implemented in the future. However, consider a case where you'd be left stranded on vacation abroad because the country declared a nationwide lockdown due to COVID-19. Under such circumstances, flight delays or cancellations are significantly risky. A travel insurance policy covers your trip extension and any losses incurred due to flight cancellation. 

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3. Trip cancellation

If you have contracted Covid-19, it is impossible to take a trip until you have a negative report. Similarly, you may also need to cancel your trip if your family members, parents, spouse, or children contract this virus. With valid travel insurance, if you cancel a scheduled trip due to Covid, then the insurer will compensate you for the losses incurred on flight cancellation and other reservations related to your trip.

4. Extended stay

You cannot deny the possibility of contracting COVID on a foreign trip. Your condition may or may not demand hospitalization. You can easily recover from such situations by isolating yourself from others and taking a few medications. However, that would mean extending your trip until you test negative for the virus. A travel insurance policy covers this extended stay on your journey and allows you to recover without added financial burden.

To conclude

Even if your insurer covers COVID-19, you must still take the appropriate measures to prevent it. Always use a mask and carry a hand sanitizer; avoid touching railings, park seats, and other similar items in public places.

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