Has anyone used this Portugal Travel Insurance? I'm heading to Portugal in mid-August, and I'm mainly concerned that if I test positive before heading back to the US after 12 days in Portugal (I'm fully vaccinated and plan to be careful/mask/eat outdoors, etc.), I would like insurance that will cover lodging/food and any airfare difference if I have to quarantine. Thoughts other suggestions on travel insurance that covers travel delays due to COVID? Thanks!
What your are looking for is tripping interruption insurance. However, COVID is often excluded so you need to read the fine very carefully. My guess is two things -- it will be very expensive because of the potential total cost if needed. It may be very difficult to find given the current situation.
You do realize this insurance is not available in the US? I suggest you check insuremy trip.com. I doubt you will find coverage for a quarantine but who knows.
I didn't know it wasn't available in the US, but thanks for pointing that out.
I'm also planning to insure my trip to Portugal in August for potential quarantine and flight home. I searched on Squaremouth around a month ago and this is what I found.
Travel-Safe Classic or Seven Corners RoundTrip Elite. 1,000 trip interruption, Airfare only. Medical Evacuation 1,000,000, Emergency Medical $100,000, Travel Delay $750 per person. I believe this will offset most of the expenses if positive covid test, but I'm new to traveling and travel insurance, so I would advise calling them to verify. The cost was rather inexpensive, approx $60.
I had looked at the insurance Portugal offered. I also wasn't aware they were excluding US citizens. I know that the insurance was created to encourage international tourism to Portugal and an article was written in Forbes regarding the plan.
You do realize this insurance is not available in the US?
What I read about availability in the US is no longer posted so I could be wrong.
.... calling them to verify..... Is practically worthless. No verbal discussion or understanding will hold up if challenged. You need to verify the statement in the fine print that covers your situation -- make no assumptions. And, ask what proof (documentation, etc) is require to file a claim. The fine prints needs to specifically address the question of quarantine.
There definitely are travel insurance plans to cover delay due to quarantine. Here is an interesting article from Forbes: https://www.forbes.com/advisor/travel-insurance/what-travel-insurance-covers-covid-quarantine/
Gail...thank you for your suggestions re: Squaremouth. I will check them out.
Not sure if this is the best place...but I wanted to share that I just learned the rapid COVID tests are available everywhere in Portugal (pharmacies, grocery stores, some hotels, etc...) and they only cost a few euros! Wouldn't it be nice if we had that option here in the US?!?
I only mentioned to verify since I've never taken out travel insurance and didn't want to inadvertently provide false information.
I believe Travel Delay would cover quarantine.
"What is Travel Delay?
Travel Delay reimburses the costs of meals and accommodations when a trip is unexpectedly delayed.
What am I covered for?
Benefits will be paid up to $150 per day for reasonable accommodation, meal, and local transportation expenses incurred by You, up to the Maximum Benefit Amount shown in the Confirmation of Benefits, if You are delayed for 6 hours or more while en route to or from, or during Your Trip, due to:
a) any delay of a Common Carrier (the delay must be certified by the Common Carrier);
b) a traffic accident in which You or Your Traveling Companion is not directly involved (must be substantiated by a police report);
c) lost or stolen passports, travel documents or money (must be substantiated by a police report);
d) quarantine, hijacking, Strike, Natural Disaster, terrorism or riot;
e) a documented weather condition preventing You from getting to the point of departure."
When I want an insurance product, I buy from a company that is regulated by my state’s department of insurance. Some products (for example auto rental CDW) look like insurance but are not. I would not rely on a policy or contract in another country.