Travel Insurance for Covid - guidance required

We are travelling to America on a multi-city break in November '23. With Covid spiking a little currently, I'm worried it may affect us and I would like to understand what insurance is available to cover us (what it covers) should we catch Covid whilst in America.
In case it matters, we are staying in Massachusetts, NY and DC spanning 11 nights.
So we fly-out, stay 3 nights, train journey, stay 5 nights, train journey, stay 3 nights, fly back.

We intend to pretty much isolate for the two weeks prior to flying out to ensure we don't catch Covid.
Let's say on the outward plane journey to America we both (or even just one of us) catch Covid. On our first full day in America we awake to feeling the full symptoms. Let's say we are bed-ridden for a whole 7 days before we are able to walk again. I would like to understand if there is travel insurance that covers any of the following:
1) Having Covid we can't fly home or travel on to our next location. We need to stay in bed for 7 nights but our current destination's hotel is only reserved for three 3 nights. Is there insurance that sorts us out further accommodation in that hotel (or a near-by hotel) free of charge until we are well again?  We will be in no fit state to be making loads of phone calls and walking to each hotel seeking new accommodation.

2) Should we be bed-ridden in Massachusetts for the entire holiday (11 nights) is there travel insurance that would refund us our NY and DC hotel costs and the journey tickets to reach those destinations (and maybe the full holiday - so the international flights too)?

3) What about if we are bed-ridden for a whole month (even needing medical treatment), is there travel insurance that would arrange everything for us (additional accommodation, medical expenses, etc..) on our behalf?

If there is such insurance then is there a recommended insurer who is helpful in these circumstances and pays out if it's needed?
I'm willing to pay a higher premium if it leads to insurance that covers the above. The entire holiday (flights, accommodation, train tickets) is less than £5k (in total for both of us).

I've never claimed on travel insurance before and do not understand the procedures, especially for Covid matters.
Hopefully you can provide guidance. Thanks.


  • DullGreyGuy
    DullGreyGuy Posts: 8,852
    First Anniversary First Post Name Dropper
    Covid was previously special because governments had set special rules around it in terms of crossing borders, what you could do if you had tested positive for it even if symptom free etc. That has now almost universally gone away and so Covid falls into line with other medical conditions. If you contract a medical condition, covid or otherwise, and a doctor certifies you are not fit to fly etc then it's likely the insurance will respond roughly in line with what you say. 

    Most insurers have an emergency claims line, you would call them. They typically will assist in arranging accommodation and ultimately return flights etc but generally you have to pay and then reclaim. Medical expenses often you pay if its below a certain amount (often around £300) and reclaim or they will settle directly if its more than that. 
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