COVID-19 At-Home Testing Information
Our travel insurance plans provide coverage if you, a family member, or a traveling companion become ill with COVID-19 and plan requirements are met.
Travel Updates: Our plans provide coverage if you, a family member, or a traveling companion become ill with COVID-19 and plan requirements are met. See Coverages
If you use an at-home test to verify your COVID-19 diagnosis for the purpose of filing a Generali travel insurance claim, the requirements to qualify for sickness coverage include:
- It must be a viral test and have Emergency Use Authorization (EUA) from the U.S. Food and Drug Administration (FDA).
- The testing must include a telehealth video call during which someone authorized by the manufacturer supervises the testing procedure in real time.
- The telehealth provider must issue a report confirming the patient’s identity, the name of the laboratory or healthcare entity, the type of test and the specimen collection date.
Our plans include these requirements so we can confirm the accuracy of the test. This helps prevent payment on fraudulent or incorrect claims.
Common At-Home COVID-19 Tests That Qualify
These at-home tests include a telehealth video call, are generally available, and meet the requirements to qualify for COVID-19 sickness coverage under our plans:
- Ellume COVID-19 Home Test - Available at these common retailers.
- BinaxNOW™ COVID-19 Ag Card Home Test - Available from the test manufacturer's NAVICA app.
- OnGo with Azova video observation - Available online.
Testing FAQs
To qualify for COVID-19 sickness coverage, your at-home test must meet certain requirements:
- You must take your test while your Trip Cancellation coverage is in effect. Trip Cancellation coverage goes into effect at 12:01 a.m. the day after you purchase your plan.
- The test must be a viral test and have Emergency Use Authorization (EUA) from the U.S. Food and Drug Administration (FDA). You can view a list of approved nucleic acid amplification tests (NAAT) and a list of approved antigen tests.
- The testing must include a telehealth video call during which someone authorized by the manufacturer supervises the testing procedure in real time.
- The telehealth provider must issue a report confirming the patient’s identity, the name of the laboratory or healthcare entity, the type of test and the specimen collection date.
We will accept a positive test result from a testing facility or a positive test result from an at-home test that meets certain requirements. You do not need to have COVID-19 symptoms to qualify for coverage.
Travel insurance will not cover the cost of COVID-19 tests before your trip. However, travel insurance may cover the cost of COVID-19 testing during your trip if you get sick and are required by a physician to take a COVID-19 test for diagnostic purposes.
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