Traveling during a pandemic poses many risks. This is why it’s important to be prepared before embarking on any trip. One way to ensure you have someone to assist you in the event things go downhill is to get Coronavirus travel insurance. To help you choose the best insurance company, check out these tips below.

Understand the Terms of Your COVID Travel Insurance

Does it cover cancellations of flights when you test positive during your travel?

Since covid-19 is easily transmitted from one person to another, it’s possible to contract the virus while you’re on your trip. It’s important to know that your policy covers cancellation of flights if this happens so you won’t have to bear the additional cost of booking another flight or accommodation.

Does it cover quarantine expenses?

If you tested positive during your trip, it’s imperative to isolate yourself in a quarantine facility. In many countries, quarantine facilities are not free for tourists. You don’t want to add anxiety to your already stressed self, so let your insurance company cover this cost.

Does it cover curtailment?

There may be cases wherein you need to return back home due to an emergency. This means a loss of your money because of pre-booked flights, hotels, and other activities. If your insurance company covers curtailment, then you’ll be entitled to get a pro-rata refund for any prepaid bookings you couldn’t use anymore.

Does it cover covid-19 related repatriation and emergency medical expenses?

A repatriation benefit will allow you to be transported back to your home country instead of receiving medical treatment to your current location in case you get the virus. However, if the country, due to security reasons, wouldn’t allow you to travel by air, then you will also be entitled to receive medical aid while being in that foreign country.

Does it offer 24/7 assistance?

It’s also important to choose an insurance company that offers 24/7 customer service assistance because emergencies can happen at any time of the day. 

Other things you need to know

Identify your travel duration. If you’ll be travelling for long, it’s best to ask if the company offers a discount if you get an annual policy instead. This will give you more confidence in case you need to extend your travel and also save you money because of discounts.

Also, ask which countries are covered for insurance especially if you’re planning to travel to multiple locations. Some places aren’t included in the policies, so be sure to learn about this crucial information.

Summary

With many companies claiming to have the best coronavirus travel insurance, it’s difficult to choose which one really suits your needs. Keeping yourself informed about what matters in an insurance policy will give you more confidence in scrutinizing every policy that’s being presented to you. Always choose a reputable company with a proven track record.