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

When you plan to travel during or after the coronavirus pandemic, there are two major ways that you can be covered, with travel medical insurance or trip insurance.

  1. When traveling internationally, what will you do if there is a medical emergency? If you need medical care, emergency services or other assistance, how will you cover the costs associated with these issues?
    A travel medical plan can help. Look for Travel Medical Insurance Plans with COVID-19 benefits.

  2. What if you need to cancel your trip due to fear of COVID-19 or other reasons? Can you cancel your travel plans and get refunded for trip investments? What about non-refundable costs such as airline or hotel reservations?
    Trip Insurance can help. Look for a Trip Insurance plan, ideally with Cancel For Any Reason (CFAR) travel insurance.

Or check out all of our travel insurance plans including our recommendations for travelers during the COVID-19 pandemic or find out what to look for and how to find the best plan with COVID-coverage for your needs.

Travel Medical Insurance for Coronavirus
  • Travel medical insurance is healthcare coverage to protect you against accidents, injuries or illness while you are away from your home country.
  • People with an existing policy may be covered if you arrived in your destination country before warnings were issued for the country where you arrived.
  • If you are planning to purchase a new plan, you may not be covered if your home or destination country is declared a dangerous area.
  • Travel medical insurance will not cover your medical bills if you travel to an area where travel advisories have been made due to coronavirus.
Trip Insurance for Coronavirus
  • Trip Insurance is coverage for certain pre-paid expenses like hotels, flights and lost luggage.
  • If you have an existing trip insurance plan, coronavirus is not currently a covered reason to cancel your trip, unless you have "Cancel for Any Reason" coverage.
  • If you are planning on purchasing a new trip insurance policy, we recommend adding "Cancel for Any Reason" coverage, as it will enable you to cancel your trip as long as it is 2 days in advance of your departure date.
  • The cancel for any reason optional benefit is only available within the first 20 days after initial trip deposit date.

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

Depending on the underwriter and insurance policy, benefits and exclusions for COVID-19 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 for Visitors to the U.S.
My parents plan to visit the USA soon, will your insurance cover them for coronavirus-related medical situations? Depending on which visitor insurance policy you have and when you purchased it, your insurance may or my not cover COVID-19 or coronavirus related expenses. Here is a list of visitor insurance plans and their coverage information related to COVID-19. Not all visitor insurance plans are same, depending on its underwriter and terms and conditions, benefits related to coronavirus may vary.
I already have a visitor insurance policy for the USA, does it cover coronavirus-related conditions? For existing policyholders with a visitors insurance plan for coverage in the United States, coronavirus-related conditions may be covered. If you contract coronavirus after your policy begins, your visitors insurance policy may cover for treatment and services like any other new medical condition. Here is a list of visitor insurance plans and their coverage information related to COVID-19. Not all visitor insurance plans are same, depending on its underwriter and terms and conditions, benefits related to coronavirus may vary.
I am a visitor to the USA, but I do not have a visitor insurance policy and I want to get treatment for coronavirus. If I buy the policy now, will it be covered? Visitors insurance will not cover any illness or condition that existed prior to the purchase of the insurance, this includes coronavirus. If you do not have the virus but want to purchase a visitors insurance plan as a precaution in case you are exposed, then the insurance plan may cover you. Checkout the list of travel medical plans that may provide coverage for COVID-19 or coronavirus.

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.