If you have travel plans and are wondering how COVID-19 affects travel insurance, here is what you need to know.
Will I Be Covered By Mexican Travel Insurance?
Whether a travel insurance policy covers COVID-19 depends on its wording. Before you buy, read what the policy says about pandemics, infectious diseases, and epidemics, and ask the insurer to confirm in writing what is covered.
The bottom line here is that the policy wording decides whether you are covered.
I Don’t Have Travel Insurance, and I Want To Visit Mexico. What Should I Do?
The US State Department says: "We highly recommend that you buy travel insurance before you travel." Without it, if any emergency does arise, you pay the medical expenses from your own pocket.
Okay, So If I Get A Travel Insurance Policy, What Medical Coverage Will Be Provided If I Contract COVID-19 While Traveling?
The coverage for COVID-19 will depend on your travel insurance policy. Check with your insurer as to what is covered and what is not. IMG's Patriot plans, which SmartGringo links to, exclude pre-existing conditions and include global emergency assistance services; the rest is in the plan wording.
Okay, How Does Travel Medical Insurance Work?
It works pretty straightforwardly. You plan your trip to Mexico. Next, purchase a travel medical plan corresponding to the dates of your travel. That’s all it takes.
When you are out in the market looking for the best travel insurance policies, read the plan certificate for what it covers beyond medical emergencies, such as trip interruption, canceled trips or baggage, rather than assuming.
How Much Does Travel Medical Insurance Cost?
The best part of travel insurance is that it is pretty economical, especially when you choose to go with a single trip medical plan. Ask your insurer for an exact quote, which will depend on your age, length of your trip, and the add-ons you choose.
Your Turn
If you travel, we recommend you opt for a policy whose wording covers COVID-19, and confirm that with the insurer before you buy.
Want a price for your dates? Get a travel medical quote from IMG.