It depends! Unfortunately, the answer isn't a straightforward one. There are some situations where cover is available, and others where it is an exclusion. It largely depends on which insurer you bought your policy with; when you bought it; where you're travelling to; when you're travelling; and, the reason for your claim. As travel continues to open up around the world, most (but not all) insurers provide cover for overseas hospital & medical expenses if someone named on the policy was positively diagnosed with COVID-19. Some insurers also provide cover for additional expenses and cancellation benefits.