11 COVID Travel Insurance Things to Look For

2. Trip cancellation and trip interruption wording for COVID

Not all cancellation triggers are the same, so read the covered reasons carefully. Most insurers now treat a positive COVID diagnosis like any sudden illness that allows cancellation or interruption when the diagnosis occurs before departure or during the trip. But policies differ on who qualifies—sometimes only the insured, sometimes immediate family, and sometimes travel companions. Look for language that lists "illness" and specifically names communicable diseases if possible. Also, check reimbursement levels and whether the plan returns full prepaid, non-refundable costs or a percentage. Some plans exclude cancellations for concern about public health developments unless you have a Cancel For Any Reason upgrade. Keep receipts and medical documentation showing test results and date of diagnosis; insurers commonly require proof tied to the date you canceled. If you booked non-refundable tickets, calculate whether insurance reimbursement justifies the premium cost.