Travel insurance does not cover everything. If you didn’t know that before the pandemic, you probably do now. Most policies exclude pandemics or fear of travel, which renders them all but useless to travelers on the road after the coronavirus outbreak.
Travel Insurance is a changing and complex subject.
We at Russell Tours cannot recommend a particular program but there are many great resources you can read to better understand and become comfortable with the subject.
A recent article by Christopher Elliott in Forbes Magazine says, “Travel insurance does not cover everything. If you didn’t know that before the pandemic, you probably do now. Most policies exclude pandemics or fear of travel, which renders them all but useless to travelers on the road after the coronavirus outbreak.”
According to the article this is what TI does not cover:
This is what travel insurance does not cover
Here’s a short list of the things you might assume travel insurance covers, but doesn’t:
Fear of travel. If you decide not to travel, your insurance policy won’t cover you. Fear of contracting COVID-19, or any other illness, isn’t covered.
A second COVID-19 surge. If the area you’re planning to visit gets shut down by coronavirus, don’t look to your travel insurance company for coverage.
Ignoring government travel warnings. Even if you’re covered, your policy may be voided if you travel somewhere that the State Department has deemed unsafe.
A pre-existing medical condition. Most travel insurance won’t cover you for a condition you have before your trip. (You can get a pre-existing conditions waiver to cover some conditions.)
Losses related to a mental disorder. If your fear of flying returns after the coronavirus outbreak and the civil unrest at your destination, your travel insurance policy won’t help you. Psychiatric conditions aren’t covered.
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