11 COVID Travel Insurance Things to Look For

5. Testing and documentation requirements

Insurers require precise documentation for COVID-related claims, so know what counts as acceptable proof. Many providers accept lab PCR tests, while some now accept qualifying at-home test kits if they meet stated standards. Keep test receipts, lab reports, and timestamps showing when tests were taken. When a claim arises, insurers commonly request a medical diagnosis or doctor's note linking the positive result to missed trip plans. Also, save receipts for additional expenses like taxi fares to a test site or urgent care visits. Before you travel, check the insurer's list of accepted test types and any timing windows for testing to trigger coverage. If local rules require testing to return home, keep copies of both the test result and any related travel documents demonstrating that a positive test delayed your return.