UPDATED October 29, 2020

BY Miles MacDonald

IN Cycle Touring Advice

4 comments

UPDATED October 29, 2020

BY Miles MacDonald

IN Cycle Touring Advice

4 comments

Travel Insurance Covering COVID-19

 

updated November 24, 2020 with further details and more insurance options

At TDA Global Cycling we organize bicycle tours through more than 80 countries and have participants from around the world.  From our experience, we know there is no one travel insurance product that fits every tour, or every participant. In the current COVID-19 pandemic, travel insurance has gotten even more complicated.

To learn more about the process of buying travel insurance, you can read our detailed travel insurance advice here but in this blog post we are focusing on what you need to know about insurance during COVID-19. We will continue to update this blog throughout 2020 and in the first half of 2021 as we learn more about the options available.

COVID-19 Travel Insurance

Finding travel insurance coverage that includes possible COVID-19 health or quarantine costs can be a difficult task. In fact, a few months ago, it was virtually impossible.

Since July of 2020, the situation has been improving. While the current marketplace for travel insurance in relation to COVID-19 remains fluid, it is becoming clear that many insurance companies, after performing a risk analysis, have realized selling travel insurance covering COVID-19 is a profitable venture. For this reason, travel insurance covering COVID-19 medical and quarantine costs is likely here to stay, but as the saying goes, ‘it’s all in the details’, the policy details in this case.

While we recommend researching travel insurance companies in your respective country, for a head start, we have links below to a few travel insurance options that include coverage for COVID-19 and that also cover all or most nationalities. We will keep updating this list as we discover more options.

Here are some places to find COVID-19 travel insurance:

Trip Interruption and Cancellation Insurance for COVID-19

It is always important to read the policy to be sure it fits your needs before purchasing. In addition to the travel insurance covering COVID-19 medical and quarantine costs, does the policy include trip cancellation and/or trip interruption insurance? (You can read more about what these are in our general travel insurance blog – Travel Insurance for Cyclists – Everything You Need to Know.)

At this time, we have not seen cancellation insurance that covers you if you decide not to travel, or if it becomes impossible to travel due to a worsening COVID-19 situation at your destination. However, cancellation coverage does now exist in the event that you were to contract COVID-19 before your departure and not be able to travel for that reason. There are also some plans that appear to have some trip interruption coverage – this is insurance covering the non-medical costs of ending your trip prematurely due to COVID-19 – but there are caveats and exceptions, so we can’t stress enough the importance of reading your policy carefully.

4 Comments for "Travel Insurance Covering COVID-19"

Care Med won’t cover me because I am “on bike tour” and Nomad won’t cover me if I receive any sponsorship dollars.

So in the very least you might want to delete Care Med from your post.

Quoted from Care Med “We can only repeat our message from last mail, as you are biking long distances, our insurance is not applicable for your activities. Please look for an alternative solution.”

    We contacted Care Med and they explained that they will cover people on bike tours but that they will not cover cyclists who are touring for long periods of time.

As these comments refer to CareMed International Insurance, we’d like to clarify our coverage to avoid any confusion. As mentioned in this blog article, it is true that “there is no one travel insurance product that fits every tour, or every participant”. Several aspects need to be considered in order to decide if CareMed insurance applies to your situation, e.g. your age, visa requirements, how long you stay abroad or which activities you plan.
Generally, our insurance covers any sport activities, thus biking is included. We have already insured many travelers taking part in biking tours. However, there is a difference if someone does a tour for longer than 2 years or receives a remuneration, for example. We are constantly working on the optimization of our products and coverage, therefore conditions can always change.

    Thank you Anna for the clarification. If TDA clients are interested in purchasing CareMed insurance, it can be purchased through our partners at STA in Budapest. Please email Eszter at eszter.horvath@statravel.hu

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