Hi all,
Sorry for another COVID thread, but I wanted to talk about something that I think we all agree is essential nowadays which is travel insurance.
I think many of us fear testing positive that day before we have to return home and needing to extend our stay for another possible week or more and incurring those expenses.
In my research for my upcoming trip, what I noticed was while a lot of policies cover potential lodging expenses if you have to isolate under Trip Delay benefits, if you read the terms of the policy they usually state the benefits of the policy (including the Trip Delay benefits) are effective from your Scheduled Departure Date through your Scheduled Return Date. So it would seem to me if you test positive and have to extend your stay past your original return date, you may be at risk of not being covered.
Some policies offer extension of coverage, to extend past your original return date if you can't return for a covered reason (such as illness), but these usually have a maximum time too. Most common that I have seen are 5, 7, and 10 days past the original return date.
I was hoping you all might not mind sharing what policy you went with and how long it would cover you if you had to extend your stay past your original return date.
I currently bought a policy with Tin Leg (their Luxury plan) and it says it can extend to 7 days past my original return date. I'm wondering if I should look for a policy with a longer extension given that I may need to isolate longer (according to Italy rules it could be up to 21 days if you continue to test positive?).
I found a policy from Seven Corners which states it can extend 10 days. I'm wondering if anyone has found any policies that extend any longer? Or if you have had to use your benefits to extend your stay, how did that go?
Thanks!