CORONAVIRUS (COVID – 19) INFORMATION
Travel Insurance Master partners with the world’s leading travel insurance providers to bring you a variety of plans and coverages including those for Coronavirus (COVID-19). It’s important to note that travel insurance treats COVID-19 the same as any other illness. Depending on your trip and needs, many benefits provide coverage if you are diagnosed with COVID-19 before or during your travels.
To better understand the different coverages and what they mean, we wanted to provide examples of how various travel insurance benefits apply in scenarios involving COVID-19.
Please see your specific Plan Details for requirements you will need to meet like proof of cancellation, coverage limits, and more specific information.
For the latest updates, visit the Centers for Disease Control and Prevention (CDC), and the World Health Organization (WHO) websites.
Trip Cancellation plans provide coverage in several scenarios including if you or your traveling companion contract COVID-19 before your trip and you cannot travel. Some plans cover cancellation if a family member contracts COVID-19 and requires your care or their case is life threatening. Plans may also cover cancellation if a business partner contracts COVID-19 and you must manage the business, canceling your trip. These cases must be certified by a physician.
CANCEL FOR ANY REASON
It’s important to note trip cancellation due to the fear of contracting COVID-19is not a covered reason for cancellation, however that’s when a Cancel for Any Reason (CFAR) plan may be right for you.
Cancel for Any Reason or CFAR benefits, are just that – you are able to cancel for any reason whatsoever usually up to 2 days before departure for a reimbursement up to 75% of prepaid non-refundable expenses, depending on the specific plan. Be sure to buy your insurance early to take advantage of CFAR, usually within 1-21 days of your initial deposit.
If you or your travel companion are diagnosed with COVID-19 by a physician while on your trip, Trip Interruption may provide reimbursement of non-refundable prepaid trip costs and expenses for your return home.
Trip Delay provides coverage for additional hotel expenses and meals if you are delayed due to quarantine required by a physician on your trip.
EMERGENCY MEDICAL AND EVACUATION
COVID-19 is treated the same as any other illness by travel insurance companies, so Emergency Medical and Evacuation benefits will provide coverage for medical expenses if you were to contract COVID-19 during your travels, and evacuation if medically necessary.
Travel insurance does not cover Covid-19 Testing costs before your trip. If you are required to show a negative Covid-19 Test to leave your original destination, the cost is not covered unless directed by a physician.
PANDEMIC PLUS PLAN
The April Pandemic Plus Plan is one of the industry’s only plans without an exclusion for pandemics, Primary Benefits, and an option to add Cancel for Any Reason (if purchased within 14 days of your first travel arrangements.)
ADDITIONAL PURCHASE INFORMATION
For example, as of August 1, 2021, Costa Rica will require tourists not vaccinated, with incomplete vaccination, or vaccinated with a serum other than those admitted by the Costa Rican authorities, to purchase mandatory travel insurance. It will need to cover lodging in case of quarantine and medical expenses due to COVID-19 - Minimum $50,000 Emergency Medical Coverage, and minimum $2,000 Trip Delay Coverage. Use Travel Insurance Master’s filters to narrow down plans to meet these requirements, and see official Entry Requirements for up to date details.
This information is intended as a helpful resource to our customers. We strongly encourage you to review your destination’s requirements, latest updates on the Centers for Disease Control and Prevention (CDC), and the World Health Organization (WHO) websites., along with your specific Plan Details before purchase.