Travel Insurance Tips for Coronavirus Times

For many of us who have been cooped up for several months, a bad case of wanderlust has emerged. The good news is that many countries have begun to reopen for tourists. The more challenging news is that strict requirements have been imposed for travelers coming from the U.S. Get informed on the necessary steps you may need to take and consider these travel insurance tips from Squaremouth.com:

Negative test result required for entry. The country you’re visiting may require U.S. residents to provide proof of a recent negative COVID-19 test upon arrival, so plan accordingly. Most travel insurance policies will not cover the costs of tests taken prior to departure. However, insured travelers that test positive for COVID-19 before departing may be covered to cancel their trip if their policy includes cancellation coverage for contracting coronavirus.

Mandatory medical coverage for COVID-19. Certain countries now require travelers to have medical insurance that specifically covers the treatment of COVID-19. Your travel insurance policy may include emergency medical and medical evacuation coverage for COVID-19.

Cancellation benefits due to economic reasons. The coronavirus pandemic and the subsequent European travel ban has had a harsh impact on the economy, causing concerns for airlines and travel suppliers, and forcing many people to alter their travel plans for job-related reasons. Unfortunately, canceling due to a travel supplier canceling your trip amid the travel ban is generally not covered. However, there are situations where some travel insurance coverage still applies. This includes the following benefits:

- The Financial Default benefit can reimburse your prepaid and non-refundable trip expenses if your travel supplier suspends services due to financial circumstances.
- The Cancel For Work Reasons benefit can reimburse your prepaid and non-refundable trip expenses if you need to cancel because your pre-approved vacation time is revoked due to an obligation to work. This must be documented by your employer.
- The Employment Layoff benefit can reimburse your prepaid and non-refundable trip expenses if you must cancel following an involuntary layoff or termination of employment. Typically, it is required that you have worked for the same employer one to three years, depending on the policy.

As you head back out to safely explore the world, be sure to understand the restrictions you may be faced with and thoroughly vet your travel insurance policy to make sure you are covered in these uncertain times.

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