If I get Covid what proof do I need to claim on my travel insurance?

Sorrento

Just want to be prepared! 

[Deleted User]

It'll be whatever proof your insurer requires.

Have a read of your policy document.

jon81uk

What proof do you need of any other illness?

eskbanker

Perhaps worth reading a recent thread on a similar topic:

https://forums.moneysavingexpert.com/discussion/6346099/any-insurance-policies-with-effective-covid-cover-for-holidays-in-the-uk/p1

As above, much will depend on your insurer, but also your destination, etc, as merely having Covid doesn't necessarily trigger a legal requirement to cancel travel anymore, so you may need to provide medically-supported evidence of actually not being fit to travel.

ginger_chocolate

I've been worrying about this too (I am due to transit through the US on a long haul flight this Easter and - frankly - bricking it about a last minute positive test!)

Most countries that still require testing now require a rapid antigen test (basically your standard LFT with a hefty price tag). I have known people get a random positive on an LFT then test negative in the follow up PCR. I've also known people just have random, one off positive tests (perhaps because of contamination of some kind). 

How much of a risk is it that one could be unable to fly due to a positive test, but then end up unable to replicate the results and therefore not able to claim insurance?

jon81uk

ginger_chocolate said:

I've been worrying about this too (I am due to transit through the US on a long haul flight this Easter and - frankly - bricking it about a last minute positive test!)

Most countries that still require testing now require a rapid antigen test (basically your standard LFT with a hefty price tag). I have known people get a random positive on an LFT then test negative in the follow up PCR. I've also known people just have random, one off positive tests (perhaps because of contamination of some kind). 

How much of a risk is it that one could be unable to fly due to a positive test, but then end up unable to replicate the results and therefore not able to claim insurance?

If you are denied entry to a country due to not meeting their entry requirements, that is different to cancelling due to illness.

For a positive test that is required to enter a country I would look at it as denied entry not illness.
If you are sick (ie symptomatic) and unable to travel then look at what to do if too ill to travel.

However many European countries are now mainly looking at vaccination status and only require a test if unvaccinated.