11 COVID Travel Insurance Things to Look For

3. Quarantine and isolation coverage

Quarantine coverage reimburses extra lodging and meal costs if you must isolate while away. Not every policy offers this, so verify the wording under "trip delay" or "additional accommodation" benefits. Some insurers cover costs until your original return date or for a fixed period—many policies limit extensions to seven days past your scheduled return. Others tie payments to documented medical orders or positive test results. Practical checks: confirm the per-day limit, whether meals are included, and whether reimbursement requires official quarantine orders or just a positive test plus a doctor's note. Remember that quarantine coverage often requires prior notification to the insurer's emergency assistance team, so call them first to coordinate extensions. If you're traveling with family, know whether shared accommodation costs are covered when only one person must isolate.