Quarantine coverage in international travel insurance

Posted on: May 18, 2021 | 3 mins | Written by: HDFC ERGO Team

Quarantine coverage in international travel insurance

There is no greater joy than travelling around the world. It can be an enriching and thrilling experience, but no matter how well you plan the trip, something will go haywire. Considering the current situation global pandemic situation, it is difficult to predict how things will unfold in the coming weeks or months. If you are travelling during the pandemic, you should be aware that you may be subjected to mandatory quarantine. If you are not prepared, staying in a hotel for up to 14 days in quarantine can be costly. Other costs, like meals, add up. While international travel insurance can reimburse you for common problems like flight delays or loss of baggage, can it help with the quarantine costs?

Quarantine coverage in International Travel Insurance

Travel insurance is an absolute necessity regardless of where you are travelling. If you do not have insurance and get sick in a foreign land, it could be very expensive and deplete your savings. Some countries have mandatory travel insurance requirement.

A lot of travellers are perplexed by quarantine expenses. If the country to which you are travelling has a mandatory quarantine requirement, you must follow the rules. Travelling during a pandemic necessitates extra precautions like wearing a mask or sanitising your hands regularly. Similarly, you must have overseas travel insurance to cover medical expenses incurred in case of an accident or hospitalisation.

According to the terms of the insurance policy, if the quarantine is associated with treatment at a medical facility, the insurance policy will cover the expenses incurred. However, quarantine for the sole purpose of isolation without treatment will not be covered. Hence, if you have to quarantine for 14 days at a hotel, the insurance company will not cover the costs.

Features of travel insurance

Let’s go through a few features of travel insurance.

1. Cover for belongings

You travel with high-end personal belongings, and losing them can put you in deep trouble emotionally and financially. The insurance policy will cover your personal belongings.

2. Hospitalisation expenditure

A medical emergency can happen at any time. Accidents and illnesses come without notice, and they may strike while you are on vacation. In case of hospitalisation or a medical emergency, a travel insurance policy will provide adequate cover.

3. Cancellation cover

There are times when you must cancel a trip due to unavoidable reasons. You may have planned ahead of time and made travel arrangements, but if the trip does not take place, your insurance cover will come to the rescue. It will reimburse you for any prepaid expenses you incurred prior to your trip, such as flight and hotel bookings.

4. Missed flight cover

If you are travelling to a foreign land in a pandemic, you must be aware of what is going on. If the government changes the travel restrictions, you might miss your flight. You will be protected if you have the right insurance policy.

5. Legal liabilities cover

When are in a foreign land, you may encounter conditions where you will need legal assistance, and in such cases, only a lawyer can guide you. This assistance will be provided by your travel insurance policy, which will also protect you from legal liabilities.

6. Luggage cover

When you travel, you will bring a lot of luggage, which includes expensive possessions. In case you loss luggage, the insurance plan will cover the same.

Conclusion

In the event of a pandemic, it is not advisable to travel without international travel insurance. Everything is uncertain currently, so choose the right insurance policy before you book your flight. And check with the insurance provider whether they cover quarantine costs when your travel abroad.

Disclaimer- The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.

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