@Sparklingbrook
If you test positive while out there does the insurance pay for you to stay out there until it’s safe to fly back and also pay for that flight?
At the moment there’s probably more chance of Covid disrupting your holiday than anything else.
The insurance may be fine, but have people really thought about being seriously ill, perhaps your whole family, whilst abroad?
I was prevented from flying due to my toddler having chicken pox. It was the worst three weeks of my life.
I couldn't stay in the hotel we were in, as the 'new' holiday makers needed the accommodation.
I was moved again during my stay for the same reason.
I was alone, my DH had to fly back on the original flight, as the insurance wouldn't pay for us both to stay on and the costs of the hotel and return flight couldn't be guaranteed. At one stage the travel company suggested all they could find to move us to was super, super expensive hotel (£600 per night😱) and we were told we would have to pay for my DH - at that point your stay is endless (until recovery and permission to fly) - we just couldn't afford it or take the risk.
The 'local' clinic and chemist were miles away and I didn't drive (without DH). The travel rep didn't want to be near us in case she caught it, so contact was by phone, sporadic and when she was busy, unanswered.
My toddler wanted familiarity, to be cool, his bed, his food. He was really quite ill and I was so worried in calling an ambulance ( how did I do that abroad) in case the insurance didn't cover that particular cost. I realised one of the local clinics that I'd used couldn't be reimbursed by the insurance company, so I had to pay the bill.
I've never felt so alone and stressed with no one to help me. I hardly slept, dumped after two nights of super luxury, into a grotty hotel, in an unfamiliar place, one which I would never have chosen.
When my toddler was declared 'fit to fly' by a doctor ( another whole saga) there was no available seat on flights for another 4 days..the travel firm couldn't tell me when seats would be free, so it was days of packing up, waiting around, sometimes even as far as getting to the airport..to be told no flight.
It was horrendous. I wouldn't wish it on anyone.