Covid-19 has cast a shadow on tourism. But countries are slowly opening up and resuming normal life. With the Covid-19 shadow still looming over us, it makes sense to take necessary precautions and adequate health coverage before resuming travel. We will attempt to answer some questions related to travel insurance for Covid-19.
Should I travel?
The short answer is yes and no. It really depends on how you feel personally. Many countries have started opening up for fully vaccinated travelers. IF you decide to travel, making sure you have all the information is very important.
Am I covered for Covid-19 when traveling?
Travelers can buy health insurance for coverage during traveling. Does travel insurance cover Covid-19? Yes. Some Travel insurance plans cover COVID-19 like any illness. Some insurance companies offer specific Covid-19 travel insurance plans.
Purchasing travel insurance for Covid-19 will allow you to claim compensation for the costs incurred for quarantine. Some Covid-19 travel insurance plans offer a fixed amount in case you are quarantined at your destination after testing positive for coronavirus. They also offer a daily allowance for food and transportation during the isolation period. The plans also have a cap on the maximum amount to be covered for COVID-19 treatment.
It is also advisable to buy Trip plans which take care of any losses arising out of postponement or cancellation of your trip. Please check if your insurance plan offers Emergency Medical Evacuation Coverage. This type of coverage allows transportation of the client to a better health center or their home.
What about if I am traveling inter provincially?
It may be a good idea to purchase Provincial health insurance while traveling out of the province. Some companies offer insurance plans covering both international and out-of-province travel.
It is also very important to look at the specific province restrictions and rules before traveling.
Is a Covid-19 test covered by Insurance?
Most travel insurance and covid 19 insurance plans will not cover routine Covid-19 tests. But some plans may cover testing ordered by a physician when the traveler gets sick during the trip.
The safest bet is to contact your insurance provider to ask if it’s covered.
Things to do before traveling? If an emergency occurs what should you do?
- You must always be prepared for any eventuality during travel.
- Go for a Covid-19 test 1-3 days before your travel.
- Wear a mask at all times while traveling.
- Wash your hands often.
- Keep a sanitizer handy.
- Avoid touching your hands, nose, and mouth frequently.
- Avoid crowded places.
- Get tested after your travel.
- Even if you test negative quarantine yourself for 7 days.
- Keep all your medicines handy.
- Some medicines may not be available at your destination.
- Carry a first aid kit with you.
- Carry your prescriptions for medicines and glasses.
- Keep emergency numbers handy.
- Research the nearest hospitals and health centers at your destinations.
- Collect information about them and store their numbers on your phone.
- Some insurance companies have a hotline for emergencies.
Fine Print and Claims.
Keep a record of all the treatments done during travel. Read the insurance document carefully. Discuss all your doubts with your agent. Some plans and countries support cashless treatment while others insist on upfront payment.
Now that travel restrictions are lessened, we are all itching to travel. But, before you do, make sure you have all the information and coverage you need. We hope this will be your guide to traveling safely during the pandemic.
Contact us for more information!