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Travel insurance (including Covid) recommendations?

I'm going to Spain in September for 2 weeks and part of the trip is a pre-paid bike tour. I'm researching trip insurance which will include covid coverage, which based on my reading means trip cancellation should I get covid before the trip and be unable to travel - and trip interruption should I get covid while in Spain and need to leave the tour and/or quarantine. I'm reading online reviews of different travel insurance companies and have used Allianz back in 2018. But wondering if others can recommend (or not recommend) a company based on their recent experiences. While I hope not to need the insurance, dealing with a company with good customer service and timely claims processing (covid related or not) is preferred. Thanks!

Posted by
4828 posts

I've been using Nationwide for my travel insurance, before and since Covid.

I've used them for other insurance for 5+ years with 2-5 flawless and timely online claims per year.

I've not had any travel claims with Nationwide but their Covid era customer service communications have been timely. They gave full and timely refunds for the policy payments for both of my 2020 trips.

The Nationwide policy includes some Covid coverage, both for Trip Cancellation and Trip Interruption. A similar policy through Trawick, more expensive and with higher quarantine coverage limits, is underwritten by Nationwide. I've never used Trawick's customer service or claims.

The $600 Nationwide quarantine (hotel and meals) limits were high enough for my travel situation; the Trawick policy I reviewed was marketed more for the quarantine feature and offered $2000 coverage. Both covered a return flight to point of origination or to rejoin a tour. Every policy will vary.

Posted by
8499 posts

I have had no claims, but Allianz trip interruption seems to be a solid product and Covid is covered.

Posted by
121 posts

This is the recommendation I received from the Rick Steves office. I bought the policy. I hope I don’t have to use it.

“I recommend checking out Seven Corners, as they specify that they do have covid coverage: https://www.sevencorners.com/

Posted by
7 posts

I don't have experience with a particular company, but it was recommended to me to use www.squaremouth.com to search for travel insurance that will cover Covid interruptions. You can select a variety of filters, one of which is Coronavirus. We just booked a trip and are in the process of deciding on travel insurance. We are looking at plans through TinLeg and SevenCorners. Good luck!

Posted by
1 posts

I’ve used InsureMyTrip.com a few times because every trip requirement is different and I like their query-based system of finding what’s best for what you need. I’ve had Nationwide and Allianz through that and have been happy. There’s an option to only be shown policies that cover COVID, and their customer service will issue you a cover letter, specifically detailing that Covid is covered, if you’re going somewhere that requires specific coverage because in a lot of the actual policies, the word “Covid” is not actually mentioned. I had a friend stuck at the airport unable to get her boarding pass because the agent couldn’t find the word “Covid” in the policy ~ she totally freaked out, but Insure My Trip emailed her something she could use within 15 minutes. I also have Medjet because I want to be able to be moved home if I'm really sick. Insurance medical evacuation doesn’t necessarily do that (they’re to the nearest hospital), Medjet gets you moved to a hospital at home.

Posted by
46 posts

I am still waiting for my insurance to reimburse for my May tour to Greece. I got TinLeg through the SquareMouth aggregator. It was highly rated by Forbes. But their insurance claims system is cumbersome and so far, no money yet. My friend who contracted Covid on the same tour has had her refund from TravelX for over a week now. She missed 13 days of a 14 day tour! The Rick Steves' refund is almost immediate which is great. You just have to have an official proof that you tested positive. I'm trying to decide who to go with for my fall tour to Rome and Andalucia. Tin Leg was much cheaper than TravelX but the service is so far disappointing. I kept meticulous records and marked every receipt. They have asked for copies two times now.

Posted by
8499 posts

@jdill You have been so incredibly generous sharing your experience with us from the start. Thank you for all you have contributed to the forum and helping people learn what it can be like to get covid on their trip and try to claim insurance.

Posted by
13 posts

For our insurance, we used Aon Affinity's Travel Practice for our trip to Portugal where we got Covid. I filed the claim at the beginning of May and we have yet to get a reimbursement. I filed all the paperwork, and they asked me to file the send the same information again, weeks later. We were on a tour with another company. I called again today and they said they have a 3-week turnaround from when they get the paperwork. They said they are jammed with the Covid cases. My husband thinks we'll never get anything, and I disagree. Time will tell.