11 Surprising Things Travel Insurance Actually Covers (and Doesn't)

6. Pandemics and Epidemics

The COVID-19 pandemic has brought to light the complexities of travel insurance coverage for pandemics and epidemics. Many travelers were caught off guard when their insurance policies did not cover cancellations or medical expenses related to the pandemic. This exclusion is common in travel insurance policies, as pandemics and epidemics are often considered "known events" once they are declared by health authorities. However, some insurers have adapted their policies to include coverage for COVID-19-related issues, such as trip cancellations, medical expenses, and quarantine accommodations. Travelers should carefully review their policy to understand the extent of coverage for pandemics and epidemics, as well as any specific conditions or limitations. For those planning future travel, it's essential to consider the potential impact of pandemics and epidemics on your plans and ensure that your travel insurance policy provides adequate coverage.