Covid-19 insurance as a part of travel insurance – how to choose a travel insurance at the time of the worldwide coronavirus pandemic?

Here we would like to answer your main questions that concern travelling and the coronavirus, i.e. the Covid-19 virus, as well as Covid-19 insurance included in If’s travel insurance.

Read and find out more about coverage that If offers in case a person falls ill with Covid-19.

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If’s COVID-19 insurance as a part of travel insurance – what and how?

COVID-19 insurance – medical assistance insurance
- The insurance event of the medical treatment insurance is the diagnosing the corona virus COVID-19 during the trip, provided that the testing, diagnosing, treatment and repatriation to Estonia took place within the area of validity of the insurance indicated in the policy, except in Estonia.
- NB! If shall not compensate the costs related to COVID-19 quarantine or other restrictions (incl. additional accommodation and transport costs) on the grounds of the medical treatment insurance.
- If shall not compensate the cost of COVID-19 testing necessary for travelling, including testing before the trip, at the airport and after the trip.
- The insurance sum of the medical treatment insurance noted on the policy document shall be applied to the medical treatment insurance set forth by these special conditions.
COVID-19 insurance in case of travel interruption
- The insurance event of the travel interruption base insurance is the cancellation of the trip due to the diagnosing COVID-19 of the insured person, her/his family member or sole travel companion before the trip.
- The insurance event of the travel interruption base insurance is not:
  - the trip cancellation due to the self-isolation, quarantine or other restrictions related to COVID-19, except in cases cancellation of the trip due to the diagnosing COVID-19 of the insured person, her/his family member or sole travel companion before the trip.
  - the trip cancellation due to cancellation or postponing the flight;
  - the trip cancellation due to the restrictions applied to the border crossing of Estonia, destination country or transit country.
- The insurance event of the travel interruption base insurance is the unavoidable deviation from the schedule of the trip, which has already begun, due to the diagnosing COVID-19 of the insured person, her/his family member or sole travel companion
- If shall compensate the additional accommodation and transport cost occurring due to the insurance event mentioned in the previous point, in order to return to Estonia and being quarantined in the foreign country up to 14 days.
- The insurance sum of the travel interruption base insurance noted on the policy document shall be applied to the travel interruption base insurance set forth by these special conditions.

In which regions does If’s COVID-19 insurance is valid as a part of travel insurance?

COVID-19 insurance as a part of travel insurance is valid in all regions of If’s travel insurance.

I am traveling, and my stay abroad will be extended. I would like to extend my travel insurance. Is it possible?

If the client has previously concluded travel insurance with If, then it is possible. The new policy will be subject to new terms and conditions. If the client has previously concluded travel insurance with some other insurance company, then he or she will be able to conclude a new contract subject to a 7-day waiting period, which means that the new policy will enter into force not earlier than 7 days after the client contacted If regarding this matter.

Will COVID-19 insurance be automatically added to my travel insurance?

COVID-19 insurance as a part of travel insurance will apply to medical assistance insurance automatically, if the region to which travel insurance applies is Nordic and Baltic States, Europe or extended Europe. COVID-19 insurance is automatically added to travel interruption coverage, if the client has added travel interruption coverage.

If I, my family member, or my travel companion is a close contract, and before traveling I must stay in quarantine or isolation, will If compensate me for expenses arising from the cancellation of my trip in such case?

No, in such case If will not compensate for such expenses. Expenses due to the cancellation of a trip are compensated for only if the insured person, his or her family member, or travel companion gets diagnosed with COVID-19, due to which the trip is canceled.

If I get diagnosed with COVID-19 during travel, will If compensate me for respective expenses?

Yes, If compensates for medical assistance expenses in case of Covid-19 events that happen abroad.

If the policy also includes travel interruption coverage, then If compensates for additional transport and accommodation expenses.

What will happen if during travel my travel companion gets diagnosed with Covid-19, due to which I will have to stay in quarantine or isolation? Will If compensate me for the resulting additional accommodation and travel expenses?

If your travel insurance policy also includes travel interruption coverage, then yes, in such a situation If will compensate you for additional transport and accommodation expenses. If travel interruption coverage was not chosen, then If will not compensate for additional expenses.

How big are sums insured in the case of COVID-19 insurance as a part of travel insurance?

In case of a COVID-19 event, medical assistance and travel interruption expenses are compensated for in accordance with the actual expenses, however, in the amount not exceeding the sum insured stated in the policy.

Does If compensate for expenses on a coronavirus test performed for the purpose of travel?

No, If does not compensate for expenses on coronavirus tests required for travel. This applies to pre-travel tests, so to tests performed in airports or ports, and to post-travel tests.

I fell ill with COVID-19 during travel, and I am staying in quarantine or isolation. Will If compensate me for the resulting accommodation and travel expenses?

If the purchased travel insurance policy also includes travel interruption coverage, then yes, If will compensate for additional accommodation and travel expenses. Other expenses are not compensated for.

If travel interruption coverage was not purchased, then If will not compensate for such expenses.

During travel, I have to stay in quarantine or isolation, because a person who tested positive for COVID-19 was discovered in the hotel. Will If compensate me for additional expenses in such case?

No, in such case If will not compensate for additional expenses.

My flight has been canceled. Will If compensate me for expenses resulting from the flight cancellation?

No, in such case If will not compensate for additional expenses resulting from the flight cancellation.

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