Beware of the various policies for Covid. I bought Tin Leg, mainly because their price was reasonable and they were highly rated by Forbes. I chose the Gold policy. Turns out, only the Gold policy's claims are managed by a third party claims manager named Broadspire. If I had known that, I would have check out Broadspire and found out they have scores of complaints in Better Business Bureau against them. I got Covid during my May Greece trip with RS. I got a swift refund of my tour cost from RS (and my husband, too). That alone is what Tin Leg (Broadspire) is using to justify rejecting my claim. Another person on our tour who got Covid on the first day used Travelex and she got all but ~$10 of her claim paid to her. The $600 extra she paid for her policy was well worth it because she was reimbursed over $2K and I got ZERO. My contention is that refund of the tour does not mean that the extra I paid for transportation, food, medical costs and supplies, and hotels has been covered. The tour is separate from the extra costs I incurred when I got Covid. I will be looking very closely at policies for Covid and just insure us for repatriation (if we have to be flown home in an emergency), emergency medical costs, etc. I'm not confident that any of them will reimburse for lodging, food and transportation that had been included on the tour since RS refunds the tour costs. THIS IS A BIG SCAM, in my opinion.
I would love to hear from other RS travelers who were successful or unsuccessful in gettin reimbursement from their Covid travel insurance. This could definitely help other RS travelers!