This is a very good question. The answer is, “It depends”. It depends upon where you wish to travel. Here at American Visitor Insurance, we are happy to provide top options for Covid travel health insurance for travelers available in the US market. However, since all our companies are US-based companies, many of them use the US Department of State or Center for Disease Control (CDC) warnings when determining coverage. For the US Department of State, the level of warning is at 4 or “Do Not Travel”, then policies we offer generally will NOT cover you and some even for things completely unrelated to the covid19. Barring the level 4 warning, however, you can get coverage and that coverage will include coverage for covid19 illness.
If, for example, you purchase a policy for your trip to Italy which is currently at level 3, but while you are traveling, that level is changed to 4, you are generally STILL covered since you did not travel against advice of the warning. Moreover, you would generally be covered for covid19 illness should that occur. The same is true for CDC warnings. For CDC, the level 3 warning may exclude coverage from many companies. However, there are some differences between companies, so for specifics, please see some specific guidelines from our providers below.
Of particular note, trip cancellation policies available to US citizens and residents allow for trip cancellation due to your own illness or quarantine as part of their normal cancellation policy. You can also purchase many plans with a "Cancel for Any Reason" (CFAR) option (it is included in some) which will return 75% of your travel investment should you simply decide that you don’t wish to risk the trip or some other situation occurs outside your control that, does not allow normal cancellation of your trip, but still keeps you from taking your trip (for example, your best friend, who is not traveling with you, is sick and you want to stay home and help her).
There are four plans that we offer with CFAR coverage: Travel LX insurance and Trip Protection Choice Insurance. The first one is offered by IMG and to get the CFAR coverage they must be purchased within 20 days of the initial trip deposit. The last two offer CFAR coverage as a rider which increases their cost. Note that not all plans are available in all states.
The Travel Insurance Select plan does not have a specific Trip Cancellation or Trip Interruption peril tied to a CDC Warning. Therefore, the main eligible coverages would be:
- A person traveling in an affected country who becomes ill, in which case emergency medical expense or emergency medical evacuation coverage may apply, or
- Cancel For Any Reason (CFAR) – this option must be purchased as an upgrade within 21 days of your initial trip deposit/payment. Other conditions apply – see plan details.
Crum & Forster considered this to be a foreseen event on 01/23/2020.