I bought a policy for a trip to Spain & France primarily in case of interruption due to Covid 19 (on October 27, 2021). Since purchasing this insurance that I found on the Delta Airlines website, the U.S. State Department declared Spain & France Covid level 4 countries. This is an increase since we purchased it. Now they will not allow me to cancel the insurance due to a 15 day time frame to cancel from the date of purchase. We are both vaccinated & have boosters.
We live in Arkansas & our current state Covid status is over 100,000 active cases per 7 days. The hospitals are at the highest level in the pandemic. The irony is hard to miss. Allianz insurance is excluding any coverage due to Covid, since we will be safer in France than in Arkansas. Check it out within the first 15 days or you might be stuck. If going to France, or any other level 4 country as designated by the State Department, you'll be out of coverage for Covid.
I must confess 34 plus pages of legalese is beyond my comprehension. This included the Epidemic Coverage endorsement from Jefferson Insurance Co. That is why I called and questioned Mary, George, supervisor Pedro and followup questions for Andy & her supervisor, Cecilia. Just be sure to contact your attorney to make sure you are covered for Covid.