I don't intend to submit a claim since my quarantine occurred during a scheduled time on island. A fellow traveler who stays at Horny Toad was in a similar situation recently (quarantining during a scheduled visit) and has submitted a claim. He also went to meet with the insurance rep while on island this last time. I told him I didn't think he should be reimbursed for that, and he agreed. He's still waiting to hear if his claim will be reimbursed or denied.

I also have annual travel policies but wouldn't hesitate to submit a claim to EHAS if I had to extend my stay.