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Best Covid-19 Travel Insurance Plans Of April 2022
Compare Travel Insurance
Best Covid-19 Travel Insurance Plans
Best Covid-19 Travel Insurance Ratings
| Company | Forbes Advisor Rating | Best pandemic plan | Covers Covid? | Medical & evacuation limits per person | LEARN MORE | ||||
|---|---|---|---|---|---|---|---|---|---|
| AXA Assistance USA |  | 5.0 |  | Platinum | Yes | $250,000/$1 million | Learn More | Via Squaremouth's Website | |
| Cat 70 |  | 5.0 | | Travel Plan | Yes | $500,000/$500,000 | Learn More | Via Squaremouth's Website | |
| HTH Worldwide |  | 5.0 | | TripProtector Preferred | Yes | $500,000/$1 million | Learn More | Via Squaremouth's Website | |
| Seven Corners |  | 5.0 | | RoundTrip Choice | Yes | $500,000/$1 million | Learn More | Via Squaremouth's Website | |
| Tin leg |  | 5.0 | | Gold plan | Yes | $500,000/$500,000 | Learn More | Via Squaremouth's Website | |
| USI Affinity Travel Insurance |  | 5.0 | | Diamond | Yes | $500,000/$1 million | Learn More | Via Squaremouth's Website | |
| John Hancock Insurance Agency |  | 4.5 |  | Gold | Yes | $250,000/$1 million | Learn More | Via Squaremouth's Website | |
| Nationwide |  | 4.5 | | Prime | Yes | $150,000 accident, $150,000 sickness/$1 million | Learn More | Via Squaremouth's Website | |
| Trawick International |  | 4.5 | | Safe Travels First Class | Yes | $150,000/$1 million | Learn More | Via Squaremouth's Website |
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Tips for the Pandemic Traveler
Many travel insurance policies offer good medical coverage, but not all cover Covid-related problems. If that’s important to you, make sure to verify that the plan you’re buying specifically covers you in case you contract Covid. To find the best Covid-19 travel insurance plans, we evaluated only plans with at least $150,000 per person for medical coverage.
Sudden travel bans and unexpected quarantine requirements can also derail your trip, but standard travel insurance won’t generally cover these problems. Buying “cancel for any reason” (CFAR) coverage will give you some reimbursement no matter what your reason for canceling.
Add “cancel for any reason” coverage shortly after your first trip deposit if you want it. You may have only a couple weeks before the option expires for your plan.
Also, some destinations abroad have medical coverage requirements for incoming travelers. Confirm the medical coverage requirements you’ll need for your destination, if any, before you buy a travel insurance plan.
Related: Best home Covid tests
Does Travel Insurance Cover Quarantine?
There are travel insurance policies that can cover unexpected expenses if you have to quarantine in another country. But in order for any benefits to apply for most of these plans, you must test positive for Covid-19 and your travel insurance plan must cover Covid-related expenses.
If you get sick abroad from the virus, a plan’s travel medical benefits can also kick in if it’s travel insurance that covers Covid-19.
“Travel insurance policies that provide benefits if a traveler contracts Covid-19 can also extend their coverage past the original return date, typically up to seven days,” says Steven Benna, a spokesperson for Squaremouth, a travel insurance comparison provider.
Related: When should I use a home Covid test?
Other Plan Benefits to Look For
A comprehensive travel insurance plan will also include coverage for:
- Travel delays, such as extra expenses when you’re stuck in an airport due to weather problems
- Missed connections
- Baggage and personal items, including lost or damaged baggage
How to Get Quarantine Reimbursement from Travel Insurance
If you need to make a travel insurance claim related to a Covid quarantine, be prepared to have these documents:
- If the policy requires a positive Covid test or direct exposure to the virus, collect documentation. “In either case, they must be able to provide proof of their test or exposure, such as a note from a doctor, in addition to all receipts verifying their expenses,” says Benna at Squaremouth.
- Provide documentation that your test or exposure required a quarantine.
- Save your receipts for medical bills and lodging expenses so that you can submit them with your insurance claim.
Methodology
Using data provided by Squaremouth, a travel insurance comparison provider, we scored plans based on:
Covid medical coverage: Up to 70 points. Plans earned points based on their levels of medical coverage. Only plans that provide Covid-related medical coverage and at least $150,000 per person in coverage were considered.
Cost of plan: Up to 50 points. We analyzed quotes for a variety of traveler ages and trip costs in order to develop an average price for each plan.
Cost to add “cancel for any reason” (CFAR) coverage: Up to 30 points. We calculated the cost difference between the base plan and the plan with “cancel for any reason” coverage added. Only plans with a CFAR option were considered.
Best Covid-19 Travel Insurance FAQ
Will my health plan cover me if I get Covid while traveling abroad?
Coverage for medical problems outside the U.S. will vary by plan. Check with your U.S. health insurance provider to see what your health plan offers for global coverage. Some plans may have limited or no coverage, or a very high out-of-network deductible.
Once you know what your health plan covers you can select the right level of travel medical insurance.
Seniors should be aware that Medicare generally doesn’t have coverage outside the U.S.
Will travel insurance cover quarantine outside the U.S.?
Travel insurance plans that have Covid-related coverage will generally cover quarantine costs during your trip.
For example, if you contract Covid during your trip and have to stay an extra five days past your departure date, these plans can reimburse you for extra costs such as the hotel bill and meals. Coverage for a quarantine is only triggered if you actually get Covid.
Be aware that if a quarantine does not extend your travel time or result in extra costs, there may be no applicable coverage. For example, if you have to quarantine during the trip but leave to go home on your original return date, you have no monetary loss to claim. “Loss of enjoyment” because of a quarantine is a legitimate gripe but is not covered by travel insurance plans.
How much money can I get back with “cancel for any reason” coverage?
“Cancel for any reason” coverage will generally reimburse 50% or 75% of your pre-paid, non-refundable trip costs. This coverage allows you to get some reimbursement no matter what your reason is for canceling.
If your reason for cancellation is listed in your policy under standard trip cancellation benefits, you can get back 100%. These reasons can include sickness or injury of you or a travel companion, a hurricane, jury duty, job loss and more. Check the policy for the list of acceptable reasons. You may decide that you don’t need to spend the extra money for “cancel for any reason” coverage.
Will travel insurance cover trip cancellation due to Covid-19?
Many travel insurance plans include Covid as a reason for making a trip cancellation claim. If you were to contract Covid before your trip and be too sick to travel, a travel insurance policy that includes Covid coverage can reimburse you for 100% of your lost trip costs.
It’s wise to buy travel insurance shortly after you book a trip so that your trip cancellation coverage starts.
Next Up In Travel Insurance
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