Not necessarily. Trip Cancellation & Interruption insurance covers you for certain risks, including medical conditions and death (see the first covered risk in the policy). However, the medical condition needs to meet the definition of Emergency in the policy for cancellation or interruption to be covered. If your medical condition is not an emergency (as per the definition), cancellation or interruption will not be covered.
“Emergency” – Means a sudden and unforeseen Medical Condition that requires immediate Treatment. The Emergency must be so disabling as to cause a reasonable person to delay, cancel, or interrupt their Trip. In other words, if you test positive to COVID-19, are asymptomatic, and are only required to isolate, it does not meet the definition of Emergency. Cancellation or interruption of your trip would not be covered in such case.
But if you are hospitalized, for example, cancellation or interruption would then be covered (as per the terms, conditions and limitations of the policy)
NEW (INDIVIDUAL INSURANCE): Make sure to add the COVID-19 Rider to your Trip Cancellation & Interruption insurance at the time of purchase to be covered if you test positive and can’t go on your trip… or can’t return home!