This is from the Travel Guard website as of 4-15-2022. It seems to say in the first paragraph I am not covered if I am quarantined, but in the second paragraph I am covered if I am diagnosed with COVID. Very confusing. So if I test positive for COVID with a quick test and I am required to quarantine but find out 3-4 (or more) days later via a PCR test I am actually negative, the lost days are not covered by Trip Interruption?
"On March 11, 2020, the World Health Organization (WHO) declared Coronavirus (COVID-19) a pandemic. Therefore, any losses for trip cancellation, trip interruption and/or trip delay caused by or resulting from quarantine due to COVID-19 is not considered “Unforeseen” and will not be covered under the terms and conditions of this insurance policy."*
"However, this does not affect any Medical Benefits available under the insurance policy. If you contract COVID-19 prior to departure, you would be covered for Trip Cancellation, if you have a confirmed and documented diagnosis and/or you are medically unable to travel at the time of departure due to COVID-19. If you contract COVID-19 while on a covered trip, you would be covered for Medical Expense and Trip Interruption/Curtailment benefits if you have a confirmed and documented diagnosis."