Updated: 09 June 2023

What Does Quarantine Mean?

A quarantine refers to the strict isolation or separation from the public of people, plants, or animals that have or are suspected to have a communicable disease to stop the spread of such a disease. In terms of insurance, health insurance may offer some form of coverage of quarantine-related expenses, and travel insurance may include quarantine in trip cancellation or interruption policies.

Insuranceopedia Explains Quarantine

Quarantine has been raised as an issue among risk managers and insurers, particularly health insurance providers, as to its effect on the coverage provided by health insurance plans. Most major medical policies providing hospitalization benefits would cover the medical costs for infectious diseases, although the policies do not expressly mention the benefit. It appears that some policies provide some coverage and some do not. Most travel insurance plans include quarantine among the risks they cover.

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