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COVID-19 Travel Insurance: How to Stay Safe on Your Travels

COVID-19 Travel Insurance: How to Stay Safe on Your Travels

Be sure to add insurance for COVID-19 to your packing list

Buy Covid Plans

If you're planning on traveling internationally during the Covid pandemic, it's important to have Covid travel insurance. Although monitoring the CDC for travel recommendations and restrictions is one way to be a smart traveler, your best bet is to purchase Covid-19 travel insurance.

You may be wondering whether you can purchase travel medical insurance or trip insurance with specific Covid coverage? You can do both. Travel medical insurance can help with costs if you contract Covid while traveling, and trip insurance will offer financial reimbursement of non-refundable expenses if you have to cancel your plans due to Covid. Not only that, but you can also purchase student insurance or green card plans that include coverage for Covid-19.

Whether you're wondering about travel restrictions to the U.S., or are anticipating a trip to another country, let’s take an in-depth look at some facts and frequently asked questions about Covid travel insurance, and ensure that you're well-prepared before you set out on your adventure.

Travel medical insurance can help with medical costs if you contract Covid while traveling abroad.

Buying travel insurance for trips more than 50 miles from home can help you recoup some prepaid trip expenses in case you have to cancel or postpone your travel plans.

Students studying abroad during the pandemic have a number of plan options. Travel medical insurance and trip insurance are essential for your health and safety during these uncertain times.

If there is one thing frequent travelers know, it’s to always plan ahead and expect the unexpected.

From inclement weather to illness, lost baggage to loss of a loved one, there are many reasons why a trip may need to be canceled or interrupted, and trip insurance helps to ensure that your trip investment and non-refundable expenses are protected.

Explore COVID-19 Plans

Travel Medical Plans icon
Travel Medical Plans

Healthcare coverage for those traveling internationally during the COVID-19 pandemic

Trip Plans icon
Trip Plans

Protect your trip investment if you need to change your plans due to Covid

Student Plans icon
Student Plans

Health insurance for international students that includes coverage for Covid

Green Card Plans icon
Green Card Plans

Temporary health insurance plans that cover Covid for U.S. green card holders

Tips for International Travelers

As the Omicron strain of Covid spreads globally, international travel presents a host of new challenges. Here's a rundown of what international travelers should expect and how they can prepare for their travels abroad.

  • Check the travel alerts and the latest flight information on airline websites and authoritative country-and-state-specific sites based on the itinerary.

  • Keep the Proof of Vaccination card ready to show to the airline, or local authorities.

  • Be prepared to present proof of a recent negative Covid test ( RT-PCR). Depending on your airline and destination the requirement the test will need to be taken within 12 to 72 hours of boarding the plane.

  • Have other country-specific documents such as a signed copy of self-declaration, ready.

  • Expect to take covid tests not only upon arrival at the destination, but also at other times throughout your trip and return home.

  • Adhere to mandatory quarantines at the destination. The length of which will depend on your destination country.

  • Anticipate sudden changes to entry requirements.

  • Plan for flight delays, cancellations and schedule changes.

  • Be aware of the type of masks required by the airlines and the destinations. Some airlines no longer accept cloth coverings.

  • Keep digital and paper copies of all your important papers and records.

  • Carry some amount of currency from the destination country.

Can Travel Insurance Help Protect Me During the COVID-19 Pandemic?

Whether you travel during the pandemic or will be traveling post-pandemic, there are two major ways trip and travel medical insurance can help.

Plan Advantages

Travel Medical Insurance for Covid

Suffering an illness or injury while away from your home isn't on anyone's itinerary. Unfortunately, these situations happen. The good news is that travel medical insurance plans can help cover the cost of medical care. Some plans cover COVID-19 like any other new illness, while others might have more specifications. Be sure to review plan documents before purchasing a plan.

Travel medical insurance plans can help cover costs associated with the following situations:

  • Hospitalization due to COVID-19
  • Medical treatment and care
  • Ongoing testing and medical supplies
  • Medical evacuation and repatriation
  • And much more
Plan Advantages

Trip Insurance for Covid

It can be hard to feel confident about your travel investment when COVID-19 cases are surging and the Omicron variant spreading so quickly. As countries attempt to contain cases they may resort to travel bans. This, too, can add to travel anxiety. Trip Insurance, particularly plans with Cancel for Any Reason (CFAR) coverage, can help cover non-refundable expenses if your travel plans change. Trip insurance can help you recoup costs if your trip is impacted by Covid in many ways including:

  • Trip cancellation or postponement
  • Flight changes or delays
  • Changes to your trip itinerary if a traveler contracts Covid or there is an outbreak at your destination
  • And much more

Top Questions about Coronavirus and Travel Insurance

Have questions about COVID-19 and how it can affect your travel plans and insurance needs? We've answered the most frequently asked questions so you can find out more about how travel insurance can help protect you and your loved ones during the coronavirus pandemic.

What kind of travel insurance covers for Covid?

Both travel medical insurance and trip insurance offer specific Covid related coverage and benefits. This includes coverage for the highly transmissible Omicron variant. If any strain of Covid is contracted after the policy effective date, then travel medical insurance can provide coverage.

Similarly, if someone has to cancel their trip due to contracting Covid, trip insurance can cover some of the non-refundable costs.

For the most up-to-date information on the Omicron variant or any other variant, please contact the WHO or the CDC.

Does travel insurance cover the Covid test?

There are plans that offer Covid coverage that will cover the cost of testing if the insured is having symptoms and the attending physician orders it for diagnostic grounds. Preventative Covid tests do not qualify for coverage.

Visitors to the United States, on the other hand, should choose CoverAmerica-Gold coverage, which includes a one-time Covid test as part of the Public Health Emergency Screening benefit. Even if the insured is not experiencing Covid-related symptoms, the Public Health Emergency Screening benefit can be used.

To be eligible for the Public Health Emergency Screening benefit, you must meet the following criteria:

  • Prior to leaving their home country, the insured must have obtained Cover America-Gold coverage.
  • To be eligible for Covid-19 benefits, the insured must purchase a least of 30 days of coverage.

Please read the CoverAmerica-Gold coverage description carefully for any limitations or exclusions.

Will my visitor insurance cover for Covid vaccination?

Travel insurance does not cover the Covid vaccination, which means you'll need to pay for the Covid vaccine. If you're traveling to the United States, for example, make sure you do research on exactly which vaccines are acceptable. However, if the virus was contracted during the policy's coverage period, there are travel medical and trip cancellation insurance plans that can cover Covid treatment and services. With the introduction of new Covid variants, it is recommended that you obtain travel medical insurance coverage that includes Covid benefits so you can relax while traveling overseas.

Does travel insurance cover quarantine?

Is quarantine covered by Covid travel insurance? Covid coverage and quarantine benefits are included in several travel medical and trip insurance plans. To use the quarantine benefits on their travel medical insurance plan, the policyholder must meet the following requirements:

  • Covid-19 and quarantine indemnity compensation must be covered by your travel medical insurance plan.
  • After the policy's effective date, the attending physician must diagnose Covid-19.
  • In order to be covered, services and treatments must be ordered by a medical doctor. This can entail things like diagnostics, treatment, medicine, and being placed in quarantine.

If I cancel my trip because of Covid, will it be covered?

If you have travel medical insurance and need to cancel your trip due to Covid, you may cancel and obtain a refund before the effective date, depending on the plan you selected (date of departure). For any limitations or exclusions, please verify the cancellation terms and conditions for your specific plan.

A "free look back period" is a period during which a policyholder can cancel their trip insurance coverage and receive a full refund if they do so within a certain duration. The length of the free look back period varies by plan. If a policyholder needs to cancel a trip due to contracting Covid after the free look back time has elapsed, they can use the trip cancellation benefit on the policy. If an insured person has to cancel their trip due to Covid illness, they can claim the policy's trip cancellation benefit once the free review period has expired. This benefit can cover up to 100% of non-refundable prepaid travel expenses.

If the holder of a travel insurance policy needs to cancel for any other reason that is not covered, he/she should consider purchasing a plan that offers Cancel for Any Reason (CFAR) coverage. CFAR is an optional benefit that policyholders can add to their standard coverage. With this benefit, you can cancel for any reason and the insurance company can reimburse the policyholder for up to 75% of the prepaid non-refundable travel expenses.

What's the Best Travel Insurance for Covid-19?

The best travel insurance plans for Covid will vary based on your needs. Let's look at some popular options.

If you are traveling to the U.S. from your home country, CoverAmerica-Gold is a great option for Covid coverage. This plan covers Covid as any new condition for people traveling to the U.S. who are not citizens or residents. Other popular plans that cover Covid are Atlas America, Patriot America Plus, and ChoiceAmerica. You can also compare travel insurance that covers Covid.

Coronavirus Coverage and What to Expect from Different Travel Medical Insurance Providers

Depending on the underwriter and insurance policy, benefits and exclusions for Covid may vary.

If you are considering purchasing a travel medical insurance plan, take a look at these providers so that you understand what the corresponding plans will offer you should you need medical or travel assistance during the coronavirus pandemic.

Coronavirus Coverage Insurance Policies:

Still have questions?

Still Have Question

Still have questions?

If you still have questions or want anything clarified further, please reach out to our customer service team. We know this can be a stressful time to be thinking about travel, but our team is here to help make the experience a little better.