In am researching multiple companies but most have language in the policy similar to the below. This one specifically calls out quarantine but a lot use the language about a physician approving medical restrictions that prevent you from continuing the trip. I need to call the companies directly but I am not seeing anything in the fine print that would exclude covering quarantining. I am not sure that a negative test result at the port would be enough documentation as almost all policies call out needing a physician.
Trip Interruption must be due to one of the following Unforeseen reasons that occurs while this coverage is in effect for You:
1. Your, a Family Member’s, a Traveling Companion’s, a Traveling Companion’s Family Member’s, a Business Partner’s, or a Service Animal’s death that occurs after departure on Your Trip;
2. Your, a Family Member’s, a Traveling Companion’s, a Traveling Companion’s Family Member’s, a Business Partner’s, or a Service Animal’s covered Sickness or Injury that: (a) occurs while this coverage is in effect; (b) requires Medical Treatment by a Physician at the time of interruption; and (c) as certified by a Physician prior to interruption, results in medical restrictions so disabling as to prevent Your continued participation on the Trip. The Sickness or Injury of Your Business Partner must be so disabling as to reasonably cause you to assume daily management of the business;
3. the following other Unforeseen reasons which occur to You or Your Traveling Companion provided such circumstances occur while this coverage is in effect:
a. being unable to continue on Your Trip due to You or Your Traveling Companion being Quarantined;