U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

The 5 Best COVID-19 Travel Insurance Options for 2023

travel interruption insurance covid

Travelex Insurance Services »

travel interruption insurance covid

Allianz Travel Insurance »

travel interruption insurance covid

World Nomads Travel Insurance »

travel interruption insurance covid

Generali Global Assistance »

travel interruption insurance covid

IMG Travel Insurance »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best COVID Travel Insurance Options.

Table of Contents

  • Rating Details
  • Travelex Insurance Services
  • Allianz Travel Insurance

Even though COVID-19 is no longer considered a global emergency, concerns around illness-related costs remain for many travelers. If you're looking for travel insurance that covers COVID – as well as other potential disruptions like flight delays and lost luggage – these are your best options.

  • Travelex Insurance Services: Best Optional Coverage Add-ons
  • Allianz Travel Insurance: Best for Multitrip and Annual Plans
  • World Nomads Travel Insurance: Best for Active Travelers
  • Generali Global Assistance: Best for Comprehensive Travel Insurance
  • IMG Travel Insurance: Best for Travel Medical Insurance

Best COVID Travel Insurance Options in Detail

Plans include coverage for COVID-19

Optional CFAR coverage is available with Travel Select plan

Some coverages require an upgrade, including rental car collision, accidental death and dismemberment, and more

Not all add-ons are available with every plan

Allianz offers some travel insurance plans that come with an epidemic coverage endorsement

Single-trip, multitrip and annual plans available

COVID-19 benefits don't apply to every plan

Low coverage limits with some plans (e.g., only $10,000 in emergency medical coverage with OneTrip Basic plan)

24-hour travel assistance services included

More than 200 sports and activities covered in every plan

Low trip cancellation benefits ($2,500 maximum) with Standard plan

No CFAR option is offered

Free 10-day trial period

Some coverage limits may be insufficient

Rental car damage coverage only included in top-tier Premium plan

Offers travel medical insurance, international travel health insurance and general travel insurance plans

Some plans include robust coverage for testing and quarantine due to COVID-19

Not all plans from IMG offer coverage for COVID-19

Cancel for any reason coverage not available with every plan

Frequently Asked Questions

When comparing COVID-19 travel insurance options, you'll want to make sure you fully understand the coverages included in each plan. For example, you should know the policy inclusions and limits for COVID-related claims, including coverage for testing, treatments, trip cancellation or COVID-related interruptions that can occur. Meanwhile, you should understand how your coverage will work if you contract some other illness while away from home.

Also ensure your travel insurance coverage will kick in for other mishaps that occur, and that limits are sufficient for your needs. If you're planning a trip to a remote area in a country like Costa Rica or Peru , you'll want to have emergency evacuation and transportation coverage with generous limits that can pay for emergency transportation to a hospital if you need treatment.

You can also invest in a travel insurance policy that offers cancel for any reason coverage. This type of travel insurance plan lets you cancel and get a percentage of your prepaid travel expenses back for any reason, even if you just decide you're better off staying home.

It depends on your private health insurance provider and/or travel insurance policy. As of May 11, 2023, private health insurers are no longer required to cover the cost of COVID-19 testing. Out-of-pocket costs for COVID-19 test kits at local drugstores and on Amazon are relatively affordable, however.

As you search for plans that will provide sufficient coverage for your next trip, you'll find travel insurance that covers COVID-19 quarantine both inside and outside the United States. However, you'll typically need to have your condition certified by a physician in order for this coverage to apply. Also make sure your travel insurance plan includes coverage for travel claims related to COVID-19 in the first place.

Many travel insurance plans do cover trip cancellation as a result of COVID-19, although the terms vary widely. You typically need to be certified by a physician in order to prove your condition. Disinclination to travel because of COVID-19 – such as fear of exposure to illness – will generally not be covered. This means you will actually have to test positive for coronavirus for benefits to apply; simply not wanting to travel is not a sufficient reason to make a claim.

If you want more flexibility in your COVID-19 travel insurance, ensuring you have a cancel for any reason policy may be your best bet, but be sure to check with your chosen travel insurance provider to assess your options.

Why Trust U.S. News Travel

Holly Johnson is an award-winning writer who has been covering travel insurance and travel for more than a decade. She has researched the best travel insurance options for her own trips to more than 50 countries around the world and has experience navigating the claims and reimbursement process. Over the years, Johnson has successfully filed several travel insurance claims for trip delays and trip cancellations. Johnson also works alongside her travel agent partner, Greg, who has been licensed to sell travel insurance in 50 states.

You might also be interested in:

travel interruption insurance covid

5 Best Travel Insurance Plans for Seniors (Medical & More)

Holly Johnson

Discover coverage options for peace of mind while traveling.

travel interruption insurance covid

Does My Health Insurance Cover International Travel?

Private health insurance typically doesn't cover international travel expenses.

travel interruption insurance covid

9 Cheapest Travel Insurance Companies Worth the Cost

U.S. News rates the cheapest travel insurance options, considering pricing data, expert recommendations and consumer reviews.

travel interruption insurance covid

Is Travel Insurance Worth It? Yes, in These 3 Scenarios

These are the scenarios when travel insurance makes most sense.

June 1, 2020

Due to travel restrictions, plans are only available with travel dates on or after

Due to travel restrictions, plans are only available with effective start dates on or after

Ukraine; Belarus; Moldova, Republic of; (North) Korea, Democratic People's Rep; Russian Federation; Israel

This is a test environment. Please proceed to AllianzTravelInsurance.com and remove all bookmarks or references to this site.

Allianz Travel

Use this tool to calculate all purchases like ski-lift passes, show tickets, or even rental equipment.

Allianz - Travel

Travel Insurance and COVID-19: The Epidemic Coverage Endorsement Explained

couple wearing masks

Get a Quote

{{travelBanText}} {{travelBanDateFormatted}}.

{{annualTravelBanText}} {{travelBanDateFormatted}}.

Type the country where you will be spending the most amount of time.

Age of Traveler

Ages: {{quote.travelers_ages}}

If you were referred by a travel agent, enter the ACCAM number provided by your agent.

If you're not completely satisfied, you have 15 days (or more, depending on your state of residence) to request a refund - provided you haven't started your trip or initiated a claim. Plans are non-refundable after this period .

Free Review Period

Travel Dates

{{quote.travel_dates ? quote.travel_dates : "Departure - Return" | formatDates}}

Plan Start Date

{{quote.start_date ? quote.start_date : "Date"}}

Share this Page

  • {{errorMsgSendSocialEmail}}

Your browser does not support iframes.

Popular Travel Insurance Plans

  • Annual Travel Insurance
  • Cruise Insurance
  • Domestic Travel Insurance
  • International Travel Insurance
  • Rental Car Insurance

View all of our travel insurance products

Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Allianz - TRIP_logo-50

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

Return To Log In

Your session has expired. We are redirecting you to our sign-in page.

  • Credit Cards
  • All Credit Cards
  • Find the Credit Card for You
  • Best Credit Cards
  • Best Rewards Credit Cards
  • Best Travel Credit Cards
  • Best 0% APR Credit Cards
  • Best Balance Transfer Credit Cards
  • Best Cash Back Credit Cards
  • Best Credit Card Sign-Up Bonuses
  • Best Credit Cards to Build Credit
  • Best Credit Cards for Online Shopping
  • Find the Best Personal Loan for You
  • Best Personal Loans
  • Best Debt Consolidation Loans
  • Best Loans to Refinance Credit Card Debt
  • Best Loans with Fast Funding
  • Best Small Personal Loans
  • Best Large Personal Loans
  • Best Personal Loans to Apply Online
  • Best Student Loan Refinance
  • Best Car Loans
  • All Banking
  • Find the Savings Account for You
  • Best High Yield Savings Accounts
  • Best Big Bank Savings Accounts
  • Best Big Bank Checking Accounts
  • Best No Fee Checking Accounts
  • No Overdraft Fee Checking Accounts
  • Best Checking Account Bonuses
  • Best Money Market Accounts
  • Best Credit Unions
  • All Mortgages
  • Best Mortgages
  • Best Mortgages for Small Down Payment
  • Best Mortgages for No Down Payment
  • Best Mortgages for Average Credit Score
  • Best Mortgages No Origination Fee
  • Adjustable Rate Mortgages
  • Affording a Mortgage
  • All Insurance
  • Best Life Insurance
  • Best Life Insurance for Seniors
  • Best Homeowners Insurance
  • Best Renters Insurance
  • Best Car Insurance
  • Best Pet Insurance
  • Best Boat Insurance
  • Best Motorcycle Insurance
  • Travel Insurance
  • Event Ticket Insurance
  • Credit Monitoring
  • All Credit Monitoring
  • Best Credit Monitoring Services
  • Best Identity Theft Protection
  • How to Boost Your Credit Score
  • Best Credit Repair Companies
  • Personal Finance
  • All Personal Finance
  • Best Budgeting Apps
  • Best Expense Tracker Apps
  • Best Money Transfer Apps
  • Best Resale Apps and Sites
  • Buy Now Pay Later (BNPL) Apps
  • Best Debt Relief
  • Small Business
  • All Small Business
  • Best Small Business Savings Accounts
  • Best Small Business Checking Accounts
  • Best Credit Cards for Small Business
  • Best Small Business Loans
  • Best Tax Software for Small Business
  • Filing For Free
  • Best Tax Software
  • Best Tax Software for Small Businesses
  • Tax Refunds
  • Tax Brackets
  • Taxes By State
  • Tax Payment Plans
  • Help for Low Credit Scores
  • All Help for Low Credit Scores
  • Best Credit Cards for Bad Credit
  • Best Personal Loans for Bad Credit
  • Best Debt Consolidation Loans for Bad Credit
  • Personal Loans if You Don't Have Credit
  • Best Credit Cards for Building Credit
  • Personal Loans for 580 Credit Score Lower
  • Personal Loans for 670 Credit Score or Lower
  • Best Mortgages for Bad Credit
  • Best Hardship Loans
  • All Investing
  • Best IRA Accounts
  • Best Roth IRA Accounts
  • Best Investing Apps
  • Best Free Stock Trading Platforms
  • Best Robo-Advisors
  • Index Funds
  • Mutual Funds
  • Home & Kitchen
  • Gift Guides
  • Deals & Sales
  • Dry (Skin) January 2024
  • Sign up for the CNBC Select Newsletter
  • Subscribe to CNBC PRO
  • Privacy Policy
  • Your Privacy Choices
  • Terms Of Service
  • CNBC Sitemap

Follow Select

Our top picks of timely offers from our partners

LendingClub High-Yield Savings

The best Covid-19 travel insurance companies to protect yourself against the uptick in cases

Travel insurance can help if you have to cancel or cut a trip short due to covid..

thumbnail

Though the height of the pandemic may have passed, Covid-19 continues to be a consideration in everyday life. And that's especially true for those who are traveling or booking a trip.  

Getting sick on the road or having to cancel your vacation because of illness is a common concern. However, travel insurance can help you ensure you're covered. Many travel insurance policies consider Covid like they would any other illness, but not all. So, you'll still want to carefully read any travel insurance policy you're considering to make sure Covid isn't excluded. For the most comprehensive coverage, you'll want to opt for a plan with cancel for any reason (CFAR) coverage.

To find the travel insurance policies best suited to handle Covid-related issues, CNBC Select looked at Covid coverage and limits for medical coverage and evacuation, among other factors. We found four standouts for the best Covid travel insurance policies. (See our methodology to learn more about how we created this list.)

Best Covid-19 travel insurance   

  • Best overall : AXA Travel Insurance  
  • Runner up : Nationwide Travel Insurance
  • Best for luxury travel : Berkshire Hathaway Travel Protection  
  • Best for cancel for any reason coverage : Allianz Travel Insurance  

Best overall  

Axa assistance usa travel insurance.

The best way to estimate your costs is to request a quote

Policy highlights

AXA Assistance USA offers several travel insurance policies that include travel interruption, trip cancellation, and the option of cancel for any reason (CFAR) coverage.

24/7 assistance available

  • Three tiers of plans available
  • Highly rated for financial strength
  • Cancel for any reason only available on highest-tier coverage

Who's this for?  AXA Travel Insurance is ideal for those seeking high coverage limits for emergency accident and sickness medical expenses, as well as emergency evacuations.

Standout benefits:  AXA's silver plan offers up to $25,000 of medical emergency accident and illness coverage and $100,000 of emergency evacuation coverage, higher than many of the base travel plans we compared. The company's gold and platinum plans offer higher limits, up to $250,000 of medical emergency coverage and $1 million of evacuation coverage. When comparing AXA policies, make sure you have the "Epidemic Coverage Endorsement" included.

[ Jump to more details ]  

Runner up   

Nationwide travel insurance.

Nationwide's wide coverage for travel insurance allows many different types of travelers to find coverage that fits their needs. Three levels of cruise insurance coverage gives extra options to cruise passengers.

  • 10-day review period on cruise insurance policies to make sure the plan meets your needs (not available in NY or WA)
  • Most basic cruise plan doesn't offer CFAR coverage

Who's this for?  Nationwide's travel insurance offers higher limits than many other base plans we reviewed, with limits of $75,000 for medical coverage and $250,000 of emergency evacuation coverage in its essential plan.  

Standout benefits:  Nationwide offers several plans tailored to different needs, including a cruise-specific travel insurance plan and an annual plan for frequent travelers.  

Best for luxury travel 

Berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection has multiple plans to cover vacations from luxury travel to adventure travel. The brand's LuxuryCare offers the highest limits of travel insurance coverage offered by the company. Quotes and policies are available online.

  • Wide variety of policies available
  • Strong financial strength rating by AM Best
  • Cancel for any reason only provides reimbursement for up to 50% of non-refundable trip payments

Who's this for? Those considering expensive travel can find sufficient coverage with Berkshire Hathaway Travel Protection that meets a variety of needs, including coverage for Covid if needed. 

Standout benefits:  Berkshire Hathaway's top-tier LuxuryCare Travel Insurance includes coverage for up to 150% of the trip cost for trip interruption coverage and $100,000 of medical expense coverage.  

Best for cancel for any reason coverage 

Allianz travel insurance.

10 travel insurance plans make it possible to customize your coverage. For families, Allianz's OneTrip Prime package covers children age 17 and younger when traveling with a parent or grandparent.

  • Trip cancellation benefits can reimburse your prepaid, nonrefundable trip payments if you have to cancel your trip for one of the covered reasons stated in your plan documents. 
  • Limited coverage for risky sports

Who's this for?  For those wanting the option to cancel for any reason (CFAR), Allianz Travel Insurance plans offer lots of different options, including CFAR add-ons.  

Standout benefits:  Allianz's Cancel Anytime upgrade can reimburse up to 80% of non-refundable trip costs for almost any unforeseeable reason not already covered by the policy. That's higher than most other CFAR coverage, which generally covers 70% to 75% of non-refundable trip costs. It's only available on the brand's OneTrip Prime and OneTrip Premier policies.  

More on our top Covid travel insurance companies 

Axa travel insurance  .

AXA offers three travel insurance plans starting at $16. Its silver plan, the lowest tier of coverage, offers high limits for emergency medical expenses at $25,000 and up to 100% of trip costs for trip interruption coverage. Many policies now include epidemic-related covered reasons.

CFAR coverage available?    

Yes, up to 75% of prepaid, nonrefundable trip costs 

24/7 assistance?   

[ Return to summary ]

Nationwide Travel Insurance 

Nationwide offers travel insurance plans for single trips, multi-trips and cruise-specific plans. The company has an A+ rating for financial strength from rating agency AM Best, and its most basic single trip and cruise plans offer a high limit of $75,000 of medical coverage.  

Berkshire Hathaway Travel Protection  

Berkshire Hathaway's travel coverage can be tailored towards the specific needs of cruise and luxury travelers, with options for higher coverage limits for medical coverage and trip interruption benefits.  

Yes, up to 50% of prepaid, nonrefundable trip costs 

Allianz Travel Insurance 

Allianz Travel Insurance stands out for those who want cancel for any reason coverage, as the percentage reimbursed is higher than other travel insurance providers we reviewed. For traveling families, the company's OneTrip Prime plan also offers free coverage for children ages 17 and younger with a parent's coverage.  

Yes, up to 80% of prepaid, nonrefundable trip costs through the optional Cancel Anytime upgrade 

Does travel insurance cover Covid?  

Travel insurance generally covers Covid-19 as it would any other illness. While fear of catching an illness isn't a cause for cancellation under most policies without a cancel for any reason (CFAR) add-on, being diagnosed with Covid-19 right before or during your trip could qualify you for cancellation, interruption or travel delay coverage.

As with any insurance coverage you're considering, read your travel insurance policy carefully to understand what it does and doesn't cover.  

What does travel insurance cover?  

Travel insurance can cover your trip expenses if you're unable to go due to an unforeseen, covered reason or face an illness or injury during your trip. It can also help in the event that you lose your bags or face delays in your itinerary. 

Bottom line  

If you find yourself coming down with Covid before or during a trip, travel insurance could help you recoup funds from a lost trip or cover medical bills while you're abroad. Look for a travel insurance plan with strong medical coverage and flexible cancellation options. 

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Why trust CNBC Select? 

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every travel insurance   review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of travel insurance   products .  To research the best travel insurance companies, we compiled over 100 data points on more than a dozen travel insurance companies. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See  our methodology  for more information on how we choose the best travel insurance.

Our methodology  

To determine the best Covid-19 travel insurance companies, CNBC Select analyzed dozens of travel insurance companies and compared them based on their Covid policies, and medical and evacuation coverage limits. 

While narrowing down the best travel insurance companies, we focused on Covid-19 coverage, availability of cancel for any reason coverage, and the limits of emergency medical coverage and emergency medical evacuation coverage. We also considered factors like whether 24-hour assistance was available, Better Business Bureau ratings, and financial strength ratings from AM Best .

Note that the premiums and policy structures advertised for travel insurance companies are subject to fluctuate in accordance with the company's policies.  

Catch up on CNBC Select's in-depth coverage of credit cards , banking and money , and follow us on TikTok , Facebook , Instagram and Twitter to stay up to date.  

  • What do those "we buy houses for cash" companies actually do? Jason Stauffer
  • Thinking of buying now and refinancing later? Here's what to consider Kelsey Neubauer
  • How to earn airline elite status without flying Jason Stauffer

comscore

  • Auto Insurance Best Car Insurance Cheapest Car Insurance Compare Car Insurance Quotes Best Car Insurance For Young Drivers Best Auto & Home Bundles Cheapest Cars To Insure
  • Home Insurance Best Home Insurance Best Renters Insurance Cheapest Homeowners Insurance Types Of Homeowners Insurance
  • Life Insurance Best Life Insurance Best Term Life Insurance Best Senior Life Insurance Best Whole Life Insurance Best No Exam Life Insurance
  • Pet Insurance Best Pet Insurance Cheap Pet Insurance Pet Insurance Costs Compare Pet Insurance Quotes
  • Travel Insurance Best Travel Insurance Cancel For Any Reason Travel Insurance Best Cruise Travel Insurance Best Senior Travel Insurance
  • Health Insurance Best Health Insurance Plans Best Affordable Health Insurance Best Dental Insurance Best Vision Insurance Best Disability Insurance
  • Credit Cards Best Credit Cards 2024 Best Balance Transfer Credit Cards Best Rewards Credit Cards Best Cash Back Credit Cards Best Travel Rewards Credit Cards Best 0% APR Credit Cards Best Business Credit Cards Best Credit Cards for Startups Best Credit Cards For Bad Credit Best Cards for Students without Credit
  • Credit Card Reviews Chase Sapphire Preferred Wells Fargo Active Cash® Chase Sapphire Reserve Citi Double Cash Citi Diamond Preferred Chase Ink Business Unlimited American Express Blue Business Plus
  • Credit Card by Issuer Best Chase Credit Cards Best American Express Credit Cards Best Bank of America Credit Cards Best Visa Credit Cards
  • Credit Score Best Credit Monitoring Services Best Identity Theft Protection
  • Checking Best High-Yield Checking Accounts Best Checking Accounts Best No Fee Checking Accounts Best Teen Checking Accounts Best Student Checking Accounts Best Joint Checking Accounts Best Business Checking Accounts Best Free Checking Accounts
  • Savings Best High-Yield Savings Accounts Best Free No-Fee Savings Accounts Simple Savings Calculator Monthly Budget Calculator: 50/30/20
  • CDs Best CD Rates Best No Penalty CDs Best Credit Union CDs Best Jumbo CD Rates Best 3 Month CD Rates Best 6 Month CD Rates Best 9 Month CD Rates Best 1 Year CD Rates Best 18 Month CD Rates Best 2 Year CD Rates Best 3 Year CD Rates Best 4 Year CD Rates Best 5 Year CD Rates Best 10 Year CD Rates
  • Mortgages Best Mortgage Lenders Best Online Mortgage Lenders Current Mortgage Rates Best HELOC Rates Best Mortgage Refinance Lenders Best Home Equity Loan Lenders Best VA Mortgage Lenders Mortgage Refinance Rates Mortgage Interest Rate Forecast
  • Personal Loans Best Personal Loans Best Debt Consolidation Loans Best Emergency Loans Best Home Improvement Loans Best Bad Credit Loans Best Installment Loans For Bad Credit Best Personal Loans For Fair Credit Best Low Interest Personal Loans
  • Student Loans Best Student Loans Best Student Loan Refinance Best Student Loans for Bad or No Credit Best Low-Interest Student Loans
  • Business Loans Best Business Loans Best Business Lines of Credit Apply For A Business Loan Business Loan vs. Business Line Of Credit What Is An SBA Loan?
  • Investing Best Online Brokers Top 10 Cryptocurrencies Best Low-Risk Investments Best Cheap Stocks To Buy Now Best S&P 500 Index Funds Best Stocks For Beginners How To Make Money From Investing In Stocks
  • Retirement Best Gold IRAs Best Investments for a Roth IRA Best Bitcoin IRAs Protecting Your 401(k) In a Recession Types of IRAs Roth vs Traditional IRA How To Open A Roth IRA
  • LLC Formation Best LLC Services ZenBusiness LLC Review LegalZoom LLC Review Inc Authority LLC Review Incfile LLC Review
  • Services Best E-commerce Platform Best Website Builders Best Point-of-Sale (POS) Systems Best Registered Agent Services Best Credit Card Processing Companies Best Credit Card Readers for Small Businesses
  • HR & Payroll Best Payroll Software Best Free Payroll Software
  • VPN Reviews Best VPNs ProtonVPN Review ExpressVPN Review CyberGhost VPN Review Private Internet Access VPN Review
  • Manage Topics
  • Investigations
  • Visual Explainers
  • Newsletters
  • Abortion news
  • Coronavirus
  • Climate Change
  • Vertical Storytelling
  • Corrections Policy
  • College Football
  • High School Sports
  • H.S. Sports Awards
  • Sports Betting
  • College Basketball (M)
  • College Basketball (W)
  • For The Win
  • Sports Pulse
  • Weekly Pulse
  • Buy Tickets
  • Sports Seriously
  • Sports+ States
  • Celebrities
  • Entertainment This!
  • Celebrity Deaths
  • American Influencer Awards
  • Women of the Century
  • Problem Solved
  • Personal Finance
  • Small Business
  • Consumer Recalls
  • Video Games
  • Product Reviews
  • Destinations
  • Airline News
  • Experience America
  • Today's Debate
  • Suzette Hackney
  • Policing the USA
  • Meet the Editorial Board
  • How to Submit Content
  • Hidden Common Ground
  • Race in America

Personal Loans

Best Personal Loans

Auto Insurance

Best Auto Insurance

Best High-Yields Savings Accounts

CREDIT CARDS

Best Credit Cards

Advertiser Disclosure

Blueprint is an independent, advertising-supported comparison service focused on helping readers make smarter decisions. We receive compensation from the companies that advertise on Blueprint which may impact how and where products appear on this site. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Blueprint. Blueprint does not include all companies, products or offers that may be available to you within the market. A list of selected affiliate partners is available here .

Travel Insurance

Best COVID travel insurance of 2024

Amy Fontinelle

Heidi Gollub

Heidi Gollub

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 8:06 a.m. UTC Jan. 18, 2024

  • path]:fill-[#49619B]" alt="Facebook" width="18" height="18" viewBox="0 0 18 18" fill="none" xmlns="http://www.w3.org/2000/svg">
  • path]:fill-[#202020]" alt="Email" width="19" height="14" viewBox="0 0 19 14" fill="none" xmlns="http://www.w3.org/2000/svg">

Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

The best COVID travel insurance is Seven Corners’ Trip Protection Basic, according to our analysis of travel insurance plan rates and coverage options.

Editor’s note: This article contains updated information from a previously published story .

Seven Corners

Travel insured, usi affinity.

Why trust our insurance experts

Our team of experts evaluates hundreds of insurance products and analyzes thousands of data points to help you find the best product for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.

  • 851 coverage details evaluated.
  • 161 rates reviewed.
  • 5 levels of fact-checking.

Top-rated travel insurance for COVID-19

Seven Corners

Top-scoring plan

Medical limit per person, emergency evacuation limit per person, what you should know.

Seven Corners’ Trip Protection Basic plan is the most affordable of all COVID travel insurance plans we analyzed. This 5-star plan comes with basic coverage levels for emergency medical and medical evacuation.

If you’d like higher coverage limits, consider Seven Corners’ Trip Protection Choice plan which gets 4 stars in our rating. It’s more expensive but comes with $500,000 per person in primary medical coverage and $1 million per person in medical evacuation coverage.

Pros and cons

  • A low cost option for COVID travel insurance.
  • “Cancel for any reason” and “interruption for any reason” upgrades available.
  • Average cost of a CFAR upgrade is lower than many competitors.
  • Basic plan has secondary emergency medical coverage, not primary.
  • No coverage for non-medical evacuation with Basic plan ($20,000 with Choice plan).

WorldTrips

Top-scoring plans

Medical evacuation limit per person.

WorldTrips has two COVID travel insurance plans that tie with 4.5 stars: Atlas Journey Preferred and Atlas Journey Premier.

The Preferred plan is more affordable and provides $100,000 per person in emergency medical benefits as secondary coverage, with an optional upgrade to primary coverage. Atlas Journey Preferred is also the best travel insurance for cruises .

The more expensive Premier plan comes with $150,000 in travel medical insurance that’s primary coverage.

  • Both plans have top-notch $1 million per person in medical evacuation coverage.
  • Each plan includes travel inconvenience coverage of $750 per person.
  • 12 optional upgrades, including destination wedding and rental car damage and theft.
  • No non-medical evacuation coverage.
  • “Interruption for any reason” upgrade is only available with the Premier plan and only offers up to 50% reimbursement if you want to end your trip early.

Travel Insured

Travel Insured’s Worldwide Trip Protector plan provides strong benefits overall for the price. It falls short of our emergency medical coverage benchmark but offers superior evacuation benefits at a competitive price.

  • Emergency medical evacuation coverage is a superior $1 million.
  • Excellent 75% “cancel for any reason” upgrade available.
  • Very good 75% “interruption for any reason” upgrade available.
  • Lost baggage and personal items coverage of $1,000 per person could be better.
  • Relatively low emergency medical coverage of $100,000.
  • Optional “Interruption for any reason” coverage doesn’t start until 72 hours into your trip.

AIG

Travel Guard Preferred from AIG allows you to customize your policy with a host of optional upgrades. These include “ cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings. There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million.

  • Bundle upgrades allow you to customize your travel insurance policy.
  • Emergency medical and evacuation limits can be doubled with optional upgrade.
  • Base travel insurance policy has relatively low medical limits.
  • $300 baggage delay benefit requires a 12-hour delay.
  • Optional CFAR upgrade only reimburses up to 50% of trip cost.

USI Affinity

Emergency medical limit per person

USI’s Ruby plan meets our standards for emergency medical evacuation and healthcare coverage. Plan costs increase by an average of 50% when you add “cancel for any reason” coverage.

  • Good emergency medical primary coverage of $250,000 per person.
  • Great 75% “cancel for any reason” upgrade available at a competitive price.
  • $300 per person baggage delay and $1,000 baggage loss coverage are just okay.
  • No “interruption for any reason” upgrade available.
  • One of the higher-priced options among our top-rated plans.

Tin Leg

Tin Leg’s Gold plan provides plenty of medical and evacuation coverage to help you get health care if you catch COVID or have another medical problem during your trip. Plan costs increase by an average of 50% when you add “cancel for any reason” coverage.

  • Best-in-class emergency medical primary coverage of $500,000.
  • Optional 75% “cancel or any reason” upgrade available.
  • “Interruption for any reason” coverage isn’t available.
  • Subpar baggage delay ($200 per person) and baggage loss ($500 per person) coverage.
  • One of the more expensive options among our top-rated plans.

Compare the best COVID travel insurance plans

Methodology

Our insurance experts reviewed 851 coverage details and 161 rates to find the best COVID travel insurance plans. For this rating, we only scored travel insurance plans that cover COVID.

The benefits we scored out of a possible 100 points include:

Cost: 70 points. We scored the average cost for each COVID travel insurance policy with “cancel for any reason” (CFAR) coverage for a variety of international trips and traveler profiles.

Emergency medical expense: 10 points.  We scored travel medical insurance by the coverage amount available. Travel insurance policies with travel medical expense benefits of $250,000 or more per person were given the highest score of 10 points.

Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.

“Interruption for any reason” upgrade: 10 points. We gave travel insurance plans with the option of “interruption for any reason” coverage 10 points. This coverage allows you to end your trip early for any reason, including reasons not listed in your policy, and get reimbursed for a certain percentage of your prepaid expenses.

How to buy COVID-19 travel insurance

“Look for travel insurance that covers trip cancellation , trip interruption, emergency medical and emergency medical transportation ,” said Daniel Durazo, director of external communications at Allianz Partners USA. A policy that provides epidemic-related coverage may reimburse you for costs associated with a canceled trip, travel delays, mandatory quarantines and being denied boarding due to suspected illness.

Plans that offer emergency medical coverage usually provide medical coverage for treating COVID-19, but you’ll want to read the policy to be sure.

Most travelers are surprised to learn about the 15-day review period that comes with many travel insurance policies, Durazo said. “Consumers should take the time to read their policy and call their provider with questions. If they don’t feel that their policy meets their needs, they can exchange it for a new product or cancel it for a full refund.”

Average cost of COVID travel insurance

The average cost of our top-scoring COVID travel insurance plans is $415 . By adding optional “cancel for any reason” (CFAR) coverage, the average cost of COVID travel insurance rises to $615, an increase of 48%. 

CFAR coverage gives you the flexibility to cancel your travel plans for any reason, as long as you do so at least two days before your scheduled departure. When you cancel, you will typically be reimbursed up to 75% of your prepaid, nonrefundable trip expenses. If you’re interested in adding CFAR coverage to your travel insurance plan, you usually need to do so within two to three weeks of making your first trip deposit. 

How much you pay for travel insurance will depend on factors such as how many travelers you’re insuring and their ages, your trip destination, trip length and total trip cost. On average, travel insurance costs 5% to 6% of your prepaid, nonrefundable trip expenses, and adding CFAR coverage to your plan could increase the cost of travel insurance by about 50%.  

What travel restrictions are still in place?

Many travel restrictions that existed in the past three years due to COVID-19 are no longer in place. However, if a new, more dangerous variant emerges or if another infectious disease becomes a serious concern, national governments might reinstate previous restrictions such as requiring a negative virological test or proof of vaccination to enter the country. States and territories may have requirements that differ from national requirements.

Things are always changing, so it’s best to consult the official government website of the country you’re visiting and Travel.State.gov for the latest entry requirements and travel recommendations before booking your trip. Then, continue to check these websites as your trip date approaches to see if you’ll still be able to enter and leave your destination and re-enter the United States.

Quarantine reimbursement from travel insurance

Getting reimbursed by your travel insurance provider requires submitting documents that support your claim. Your policy should spell out what documents you’ll need. 

“Failure to get proper documentation for a claim will almost always delay processing of the claim,” said Daniel Durazo, director of external communications at Allianz Partners USA. “Never assume that your insurance company will accept less than what they ask for. Call your insurance provider if you have questions about what documentation they’ll need to process your claim.”

In the case of a quarantine claim, you’ll typically need proof of getting infected with or being exposed to COVID-19, proof that you were required to quarantine, and invoices and receipts from any medical treatment and additional lodging costs. 

For coverage purposes, “a COVID diagnosis has to be from a licensed physician who determines that you can’t travel,” said Stan Sandberg, co-founder and CEO of TravelInsurance.com. “An at-home, self-administered COVID test won’t be enough to pursue a claim under a travel insurance policy.”

What does COVID-19 travel insurance cover?

“Most travel insurance providers today consider COVID like any other unexpected sickness for purposes of coverage,” said Sandberg.

If your plan does not exclude costs related to COVID-19, specific types of coverage under your plan can reimburse some or all of your expenses. These might include additional hotel nights, transportation, meals, medical care, flight changes and more. Here’s how different parts of a travel insurance policy would apply as it pertains to COVID.

  • Extension of coverage. Applies if you have to stay at your destination longer than planned because you get sick and have to quarantine or new travel restrictions emerge.
  • Travel delay. Applies if you or someone traveling with you gets sick or injured en route to, at or returning from your destination or if, say, an airline refuses to let you board because of suspicion of illness. 
  • Trip cancellation . Applies if you get sick before you leave for your trip and have to cancel the whole thing. Be sure to get a diagnosis from a licensed physician. 
  • “Cancel for any reason” upgrade. Applies if you decide you don’t want to travel because of a spike in COVID cases or national entry and exit requirements change. Not all plans offer this upgrade, and it can add quite a bit to the cost of your insurance.
  • Trip interruption. Applies if you have to interrupt your trip after reaching your destination — for example, if you have to fly home early because you or someone traveling with you gets sick.
  • “Interruption for any reason” upgrade. Applies if you miss part of your trip for a reason your policy doesn’t otherwise cover — for example, because you have to quarantine, but you don’t actually have COVID. Not all plans offer this upgrade.
  • Emergency medical treatment. Applies if you unexpectedly get COVID during your trip and need health care. Pre-existing conditions are usually excluded. Plan to pay out of pocket and wait for reimbursement.
  • Medical evacuation and repatriation . Applies if you need to be transported to the nearest adequate medical facility for treatment. If, God forbid, you should die of COVID during your trip, this coverage would reimburse you for costs associated with transporting your body back home.

What does COVID-19 travel insurance not cover?

“Most travel insurance providers that offer comprehensive policies have done a great job at accommodating COVID-related disruptions, providing reimbursement for events like quarantines and hospital stays,” said James Clark. Clark is a spokesperson for the travel-insurance comparison site Squaremouth, which is also the company behind Tin Leg and Cat 70 travel insurance. 

“However, there have been a handful of events that travel insurance simply does not cover,” Clark said. “During the height of the pandemic, when countries would close their borders for travel due to the coronavirus outbreak, many customers were unhappy that border closures were not covered by their standard trip cancellation policy.” 

“Policyholders that no longer wanted to travel due to negative test and face mask requirements were also unable to receive reimbursement through standard policies,” he said. “In order to receive reimbursement in these scenarios, a customer would have needed the ‘cancel for any reason’ upgrade.” 

That upgrade also covers “fear of travel,” which almost all travel insurance policies usually exclude, according to Clark. Canceling your trip out of fear of COVID infection or fear that the virus will disrupt your trip somehow is only covered by the CFAR upgrade, he explained.

Best COVID travel insurance FAQs

If you’re traveling within the United States or the U.S. territories, check with your health insurance company to see what coverage you get outside your state of residence. You may have coverage for emergency care and telehealth visits, but not for routine care. It’s also possible that your in-state plan may have arrangements with providers in other states that give you reduced rates.

With the end of the U.S. national emergency and public health emergency declarations related to the COVID-19 pandemic ending in May 2023, group health plans and individual health insurance plans will no longer be required to cover COVID tests and testing-related services without cost-sharing or prior authorization. This, too, could mean an extra expense for you.  

Medicare usually does not pay for health care you receive abroad (unless you’re in a U.S. territory, or, in rare cases, near the border of Canada or Mexico ). 

Other U.S. health insurance may not cover international health care, either, or the health insurance deductible may be high. 

For these reasons, it’s important to choose a travel insurance policy with good emergency medical coverage — which usually has no deductible — when you’re traveling abroad.

Yes, as long as the policy covers COVID-19 and travel to the country or countries you visit. All of the travel insurance plans in our Best COVID travel insurance cover COVID.

Your travel insurance policy’s trip cancellation benefits will apply if you have to cancel your trip before you leave because you test positive for COVID-19. But you need to get diagnosed by a licensed physician if you hope to file a successful claim for your prepaid, nonrefundable trip costs like airfare and lodging.

Cruise travel insurance is just travel insurance that doesn’t exclude cruise-related issues or has additional cruise-specific benefits. If you’re going on a cruise and want COVID-19 coverage, make sure your travel insurance policy covers COVID-19 and has high coverage limits for emergency medical and emergency medical evacuation .

You should expect to spend your own money if you need proof of a negative COVID-19 test for travel because travel insurance does not cover predictable expenses. In some cases, such as when you’re recovering from a COVID infection, your health insurance or travel insurance may cover a doctor-ordered test.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Amy Fontinelle

Amy Fontinelle has more than 15 years of experience helping people make informed decisions about their money, whether they’re refinancing a mortgage, buying insurance or choosing a credit card. As a freelance writer trained in journalism and specializing in personal finance, Amy digs into the details to explain the products and strategies that can help (or hurt) people seeking greater financial security and wealth. Her work has been published by Forbes Advisor, Capital One, MassMutual, Investopedia and many other outlets.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

10 worst US airports for flight cancellations this week

10 worst US airports for flight cancellations this week

Travel Insurance Heidi Gollub

10 worst US airports for flight cancellations last week

10 worst US airports for flight cancellations last week

HTH Worldwide travel insurance review 2024

HTH Worldwide travel insurance review 2024

Travel Insurance Jennifer Simonson

Airfare at major airports is up 29% since 2021

Airfare at major airports is up 29% since 2021

Travel Insurance Timothy Moore

USI Affinity travel insurance review 2024

USI Affinity travel insurance review 2024

Trawick International travel insurance review 2024

Trawick International travel insurance review 2024

Travel insurance for Canada

Travel insurance for Canada

Travel Insurance Mandy Sleight

Travelex travel insurance review 2024

Travelex travel insurance review 2024

Best travel insurance companies of January 2024

Best travel insurance companies of January 2024

Travel Insurance Amy Fontinelle

Best travel insurance for a Disney World vacation in 2024

Best travel insurance for a Disney World vacation in 2024

World Nomads travel insurance review 2024

World Nomads travel insurance review 2024

Outlook for travel insurance in 2024

Outlook for travel insurance in 2024

Survey: Nearly 85% of Americans avoid family over the holidays

Survey: Nearly 85% of Americans avoid family over the holidays

Travel Insurance Kara McGinley

AIG travel insurance review 2024

AIG travel insurance review 2024

Average cost of travel insurance in 2024

Average cost of travel insurance in 2024

Warning: There's a large gap in pandemic era travel insurance

Katie Genter

Update : Some offers mentioned below are no longer available. View the current offers here .

I'm planning a lot of trips right now. But, I'm uncertain when and how some countries will reopen their borders to tourists. Even though I'll be fully vaccinated soon, I still may want to avoid pandemic hotspots.

As such, I'm only booking travel that is fully refundable or changeable . Specifically, I'm redeeming hotel points for stays and taking note of the date by which I must cancel to get my points back. When it comes to airfare, I'm booking award flights with programs that offer changes or cancellations with minimal fees.

But perhaps you want to book (or have already booked) a nonrefundable trip . In this case, you may wonder whether travel insurance will cover you if you need to cancel, reroute or postpone your trip. Unfortunately, travel insurance only covers trip cancellation or interruption for specific reasons and situations. And most travel insurance doesn't cover the primary reasons I'd want to cancel or interrupt trips in the COVID-19 era.

In this guide, I'll discuss what you need to know about trip cancellation and interruption travel insurance when traveling during the coronavirus pandemic.

Get the latest points, miles and travel news by signing up for TPG's free daily newsletter .

What is trip cancellation and interruption insurance?

travel interruption insurance covid

Trip cancellation and interruption insurance may provide reimbursement up to a specified amount per person per trip for eligible travel expenses or arrangements that must be canceled or interrupted. However, policies vary on the definition of eligible reasons for canceling or postponing a trip and the types of expenses reimbursed. And most policies will only provide coverage for set reasons.

Most trip insurance policies won't cover many of the reasons you might want or need to cancel or interrupt a trip during the coronavirus pandemic. In particular, most policies won't cover cancellation or interruption even if you can't travel due to border closures or specific entry requirements. Likewise, most policies won't cover cancellation or interruption if you choose not to travel -- even if your reason for not wanting to travel is primarily due to a CDC travel warning , elevated COVID-19 cases or specific entry requirements (such as a lengthy mandatory quarantine or PCR testing ).

However, some policies do cover cancellation or interruption if you are quarantined by a physician for health reasons or contract COVID-19 . In the following section, I'll take a closer look at some of the most popular policies.

Related: Does travel insurance cover pandemics?

Popular trip cancellation and interruption policies

There are two primary ways to obtain trip cancellation and interruption insurance:

  • As a benefit provided by your credit card when you charge eligible travel expenses to the card
  • As a benefit of purchased independent travel insurance

I'll discuss some of the most popular travel insurance policies and the coverage each may provide for coronavirus-related cancellation or interruption in the following sections.

Chase credit cards

travel interruption insurance covid

Various Chase credit cards offer trip cancellation and interruption protection, including the Chase Sapphire Reserve and Chase Sapphire Preferred Card. To get coverage on these cards, you must charge all or a portion of the trip to your credit card account and/or the rewards program associated with the account.

The trip cancellation and trip interruption benefit offered by these cards may provide reimbursement for eligible travel expenses charged to your account up to $10,000 per covered person and up to $20,000 per trip. However, only select losses that result in cancellation or interruption of a trip are eligible for coverage.

In particular, the primary pandemic-related reasons Chase trip insurance may cover your trip cancellation or interruption are:

  • Accidental bodily injury, loss of life or sickness experienced by you or your traveling companion which prevents you or your traveling companion from traveling on the trip
  • Quarantine (due to health reasons) of you or your traveling companion imposed by a physician or by a competent governmental authority having jurisdiction

However, the insurance offered by these two cards explicitly excludes trip cancellation or interruption for the following reasons:

  • A pre-existing condition or any other event that occurs or commences before the initial deposit date or booking date of the trip
  • Your disinclination to travel due to an epidemic or pandemic

So, you definitely won't be covered by Chase credit cards if you decide not to travel because of an epidemic or pandemic. And even if you contract COVID-19 or need to enter quarantine, your Chase card's insurance may not cover you if the insurance administrator considers the coronavirus pandemic (and not your sickness or quarantine) as the event that caused your trip cancellation or interruption. After all, some travel insurance excludes trips booked after the coronavirus pandemic became a known event.

It's undoubtedly worth filing a Chase trip cancellation claim if you contract COVID-19 or a physician or government authority requires you to quarantine (and either of these events prevents you from traveling on a trip). But, I wouldn't assume I'd get any coronavirus-related trip cancellation and interruption insurance when booking new trips with my Chase cards.

You can review the Chase Sapphire Reserve benefits guide and the Chase Sapphire Preferred's benefits guide . If you want more information about these cards, check out the Chase Sapphire Reserve credit card review and the Chase Sapphire Preferred credit card review .

Related: Sapphire showdown: Chase Sapphire Preferred vs. Chase Sapphire Reserve

American Express cards

travel interruption insurance covid

Select American Express cards , including The Platinum Card® from American Express, the Delta SkyMiles® Reserve American Express Card, the Marriott Bonvoy Brilliant® American Express® Card and The Business Platinum Card® from American Express, offer trip cancellation and trip interruption insurance of up to $10,000 per covered trip and $20,000 per eligible card per 12-consecutive-month period.

To be covered, you must charge the full amount of your round-trip travel on a common carrier to your card. However, you can pay with a combination of your card and accumulated points on your card. And you can also pay with a combination of your card and redeemable certificates, vouchers, coupons or discounts awarded from a frequent-flyer program or similar program.

Amex's guide to benefits provides the following definitions of trip cancellation and trip interruption:

Trip cancellation means the cancellation of travel arrangements when the eligible traveler is prevented from traveling on a common carrier for a covered trip on or before the departure of the covered trip. Trip interruption means the interruption of the covered trip either on the way to the point of departure or after departure of the covered trip.

However, Amex's trip cancellation and interruption insurance only covers specific cancellation or interruption reasons. So, as is noted in Amex's trip cancellation insurance COVID-19 notice , you'll likely only get coverage in connection with COVID-19 if you contract COVID-19 or a physician requires you to quarantine for health reasons related to COVID-19 on or before the departure of your trip. Any other reason for trip cancellation or interruption in connection with COVID-19 likely ineligible for coverage.

You can see the complete benefits guides for Amex's travel insurance coverage on Amex's retail and travel benefits website .

Related: Warning: Book carefully if you have multiple Amex cards that offer travel protections

Purchased travel insurance

travel interruption insurance covid

Many of the most popular travel insurance providers have published coverage alerts and frequently asked questions pages that provide information about COVID-19 claims. So, if you have travel insurance with a specific provider or are looking to buy travel insurance with a particular provider, you should read any information that the provider has about the coronavirus pandemic and understand how that affects your insurance.

Of course, most independent travel insurance covers more than just trip cancellation and interruption. But, in this section, I'll focus on trip cancellation and interruption. I particularly took a closer look at the information AIG Travel Guard , Allianz Travel Insurance , Seven Corners and World Nomads have posted online about coronavirus-related claims. Here's what I found by looking at this information:

  • AIG Travel Guard : Policies purchased on or after March 11, 2020 don't cover any losses due to COVID-19 quarantine. However, suppose you contract COVID-19 before departure. In that case, you may be eligible for trip cancellation benefits (if you have a confirmed and documented diagnosis and are medically unable to travel at the time of departure due to COVID-19). Likewise, if you contract COVID-19 while traveling and have a confirmed and documented diagnosis, you may be eligible for trip interruption benefits.
  • Allianz Travel Insurance : Plans typically exclude losses for epidemics, including COVID-19. However, you can buy new plans with an epidemic coverage endorsement. And, for a limited time, Allianz is accommodating claims for trip cancellation and trip interruption if you of your traveling companion or family member becomes ill with COVID-19 either before or during your trip.
  • Seven Corners : COVID-19 is treated similarly to other sicknesses. So, you may be eligible for trip interruption coverage if a legally qualified physician determines that you or your traveling companion must interrupt the trip due to sickness. Likewise, you may be eligible for trip interruption or cancellation coverage if you or a traveling companion would be forced into mandatory quarantine for medical isolation by a physician or government (excluding at your return destination city or in any other place following the end of your trip).
  • World Nomads : Policies purchased by U.S. residents may provide coverage for trip interruption if you contract COVID-19 while traveling. You may also be eligible for trip cancellation coverage for pre-paid non-refundable travel expenses if your doctor advises you that you are unfit to travel on your scheduled departure date due to being diagnosed with COVID-19.

None of the policies provide reimbursement if you decide not to travel, even if your reason is because of an epidemic at your destination. And, although Seven Corners may allow you to cancel or interrupt a trip due to mandatory quarantine for medical isolation at your destination, your inability to enter a country or state isn't an eligible reason for trip cancellation or interruption.

However, some providers offer "cancel for any reason" trip insurance . If you purchase this type of policy, you can cancel your trip for any reason -- including deciding not to travel because of an epidemic -- and get back some of the prepaid, forfeited, nonrefundable payments or deposits for your trip. If you're booking nonrefundable travel that you aren't sure you'll be able to take, you should consider purchasing cancel for any reason insurance.

Related: 3 tips for insuring domestic trips

My travel insurance doesn't cover me, what now?

(Photo by JGI/Jamie Grill/Getty Images)

As you can see, most travel insurance policies won't cover you if you decide not to travel due to pandemic hot spots or mandatory quarantine or can't travel due to border closures or restrictions. So, if your travel insurance won't cover you, here are some other ideas to consider.

Call the airline or travel provider

If your travel insurance doesn't cover your canceled or interrupted trip, contact your airline and other travel providers. After all, the airline may have travel waivers that allow you to cancel, delay or change your flights with waived fees -- and sometimes with any fare difference waived as well.

Even if the airline doesn't have a travel waiver in place, you may find an agent who is willing to waive fees -- especially if you have elite status with the airline. But, you may need to wait until closer to your travel dates before the airline offers any waivers or alternate options.

Related: Airline coronavirus change and cancellation policies: A complete list of major carriers

Visit a second destination

Suppose the airline won't offer any solutions, but you don't feel comfortable visiting your original destination. In that case, you could book a second round-trip to a different destination and nest it within your original trip. Of course, you'll want to allow enough buffer between your tickets to reduce the chance that you'll misconnect in either direction.

You may also want to ask the airline how much it would cost to add another leg or two to your original ticket, as then you'd be considered a transit passenger at your original destination. And, as a transit passenger, you may be able to avoid entry restrictions at your original destination.

Related: How to book 'reverse' tickets to save on airfare

Consider the risk

If you can visit your destination, you may want to take an unemotional, logical look at your trip and the risks you're likely to face. Determine your risk based on your destination, activities at your destination, immunity , age, potential repercussions of becoming ill and possible consequences of testing positive during your trip . Some travelers are specifically avoiding international travel as long as the U.S. requires testing before return , as they don't want to risk needing to quarantine outside the U.S.

Related: Do kids need to get the COVID-19 vaccine before traveling?

Forfeit the trip

If you've run out of options and still don't want to travel, you can try to recoup as much of your costs as possible. For example, you may be able to retain some value by canceling, paying a change or award redeposit fee. But you may lose nonrefundable costs.

Related: How to refund a nonrefundable airline ticket

Bottom line

Travel insurance can be helpful. But don't expect much coverage from trip cancellation and interruption insurance if you want to cancel or interrupt your trip for most pandemic-related reasons.

Sure, many insurance policies will provide benefits if you contract COVID-19 or are mandated to quarantine for medical isolation. But, you won't get assistance if you can't travel or don't want to travel due to more common reasons such as entry requirements, quarantine requirements or pandemic hot spots. As such, for the foreseeable future, I recommend booking fully refundable travel or purchasing cancel for any reason travel insurance if you aren't sure you'll take a trip.

Search When autocomplete results are available use up and down arrows to review and enter to select.

Choose the plan that meets your needs and spend more time enjoying your international experience not worrying about your insurance coverage.

  • Customer Stories
  • Resume Quote / Application

What type of coverage do you need?

Vacation / holiday, visitor / immigrant, student / scholar, employer / business traveler, expat / global citizen, mission / social good, marine captain / crew.

  • Flights / Airfare
  • Cruises / Excursions

Travel Medical Insurance

Temporary coverage for accidents, sicknesses, & emergency evacuations when visiting or traveling outside of your home country.

Popular Plans

International health insurance.

Annually renewable international private medical insurance coverage for expats and global citizens living or working internationally.

Travel Insurance

Coverage designed to protect you from financial losses should your trip be delayed, interrupted, or cancelled.

Enterprise Services

Meet your duty of care obligations with confidence, knowing your travelers are safe, healthy, and connected wherever they may be in the world.

What type of organization do you represent?

  • Corporations
  • Insurance Companies
  • Educational Institutions
  • Mission Organizations
  • Maritime Industries
  • Government Agencies
  • Non-Profit Organizations

Medical & Travel Assistance

Your travelers can access 24/7 global support should they need medical attention, travel assistance, or medical transport services.

Global Workers' Compensation Case Management

Rest assured knowing you have an experienced team who is committed to reducing your costs, moving your files forward, and serving as an international resource for all your work injury claims.

Security Assistance Services

Keep your travelers safe, no matter where they are, with real-time alerts and intelligence on safety, health, political, and other global risks.

Insurance Administrative Services

You’ll have experts to guide you through all things related to your health care plan needs, from enrollment to claim reimbursement.

COVID-19 & The Need for Travel Insurance

itravelinsured product set

Travel Insurance to Protect Your Trip & Your Health

Travel insurance has always been there to protect you and your trip expenses from the unexpected, but the onset of the COVID-19 pandemic in 2020 truly shed a light on how quickly travel plans can change and how important it is to have the proper coverage in place.

While COVID-19 restrictions, limitations, and requirements differ across the world and can change frequently, having travel insurance that offers protection and treats COVID-19 diagnosis the same as any other illness is essential. What if you test positive for COVID-19 right before your trip? During your trip? What if you have to extend your trip due to quarantine?

If you are looking for a travel protection plan that will cover you in the event a COVID-19 diagnosis disrupts your travel plans, check out IMG's iTravelInsured Travel Series or get a quote today.

Family in masks at airport

Travel Insurance to Meet COVID-19 Concerns

There are several ways a positive COVID-19 test can negatively impact your travel plans both before and during your travels, which makes having a travel protection plan in place critical. IMG's iTravelInsured travel protection plans can provide benefits for trip cancellation, trip interruption, and travel delay specifically caused by a COVID-19 diagnosis and/or a quarantine requirement. Below are some examples that could result in a payable claim due to COVID-19. *

Flight Insurance Benefits

travel interruption insurance covid

Getting Sick Before You Leave

Your bags are all packed, you’re ready to go, and even if it isn’t required for your destination, you take a COVID-19 test before leaving for the vacation you’ve been looking forward to for months. When the test comes back positive, you contact your physician and realize you have to cancel your trip. With an iTravelInsured travel insurance plan, you can be reimbursed your prepaid, non-refundable insured trip expenses, up to the maximum benefit amount, as long as a physician determines at the time of cancellation that you are not able to travel due to a COVID-19 diagnosis.

travel interruption insurance covid

Your Traveling Companion Gets Sick

What if you are traveling for vacation, to visit loved ones, or for other reasons and the person you are traveling with is the one to test positive for COVID-19? With a travel protection plan, you may have trip cancellation or trip interruption benefits that reimburse you as long as a physician has determined at the time of cancellation/interruption that your traveling companion is not able to travel or continue traveling due to a COVID-19 diagnosis.

travel interruption insurance covid

Getting Sick While You’re Traveling

You are a couple of days into a journey across Europe when you wake up one morning with a fever and a dry cough. Because these are both symptoms of COVID-19, you take a COVID-19 test which comes back positive. Thankfully, you purchased a plan with trip interruption benefits prior to leaving for your trip, which means you can be reimbursed for your unused, prepaid payments or deposits for the travel arrangements made for your trip, plus the additional transportation cost paid, if a physician determines at the time of interruption that you are not able to continue traveling due to a COVID-19 diagnosis.

travel interruption insurance covid

You Have to Quarantine While Traveling

If you test positive for COVID-19 while traveling, it’s bad enough that your trip plans have been ruined, but you may be required to quarantine past the day you expected to return home, thus being forced to extend your trip. If you have an iTravelInsured plan, you can be reimbursed for additional hotel and meal expenses you incur due to a travel delay because of a quarantine as long as a physician or government authority has ordered you to quarantine under strict medical isolation, confined 24/7 throughout its duration.

Popular Plans Ideal for Vacationers & Business Travelers

iTravelInsured Travel SE

iTravelInsured Travel SE

  • Family-friendly plan for domestic and international destinations
  • Trip cancellation maximum benefit up to 100% of trip cost
  • Trip interruption maximum benefit up to 150% of trip cost
  • Up to $125 per day per person to a maximum benefit of $2,000 for trip delay
  • $500,000 maximum benefit for medical evacuation and repatriation of remains

Plan Benefits

The iTravelInsured Travel SE program is our most popular plan for domestic and international destinations. Travel Insurance benefits are available whether traveling on a cruise, tour or vacation abroad.

iTravelInsured Travel LX

iTravelInsured Travel LX

Robust plan with optional cancel and interruption for any reason benefits

  • Up to $250 per day per person, $2,500 maximum benefit for trip delay 
  • $1,000,000 maximum benefit for medical evacuation and repatriation of remains
  • Optional Cancel for Any Reason (CFAR) / Interruption for Any Reason (IFAR) add-on benefit available  (Additional cost and terms apply)

The iTravelInsured Travel LX plan provides the highest levels of benefits of all iTravelInsured® plans for the most discerning travelers. Cancel and Interruptions for Any Reason (CFAR) can be purchased as an optional upgrade. This plan provides a variety of benefits and can be ideal for travelers going to remote and exotic locations worldwide.

Additional Travel Insurance Plans

iTravelInsured Essential

iTravelInsured Essential

Limited travel protection with cost effective coverage

iTravelInsured Travel Sport

iTravelInsured Travel Sport

Trip cancellation and interruption coverage for sport or adventure travel

iTravelInsured Travel Lite

iTravelInsured Travel Lite

budget-level plan for price-conscious travelers.

This advertisement contains highlights of the plans, which include travel insurance coverages underwritten by United States Fire Insurance Company under form series T7000 et. Al., T210 et. al. and TP-401 et. al. The Crum & Forster group of companies is rated A (Excellent) by AM Best 2022. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. The plans also contain non-insurance Travel Assistance Services provided by iTravelInsured. Coverages may vary and not all coverage is available in all jurisdictions. coverages are subject to the terms, limitations and exclusions in the plan, including an exclusion for pre-existing conditions. Benefits and limits may vary by state of residence and not all plans are available in all states. In most states, your travel retailer is not a licensed insurance producer/agent, and is not qualified or authorized to answer technical questions about the terms, benefits, exclusions, and conditions of the insurance offered or to evaluate the adequacy of your existing insurance coverage. CA DOI toll free number: 800-927-4357. The cost of your plan is for the entire plan, which consists of both insurance and non-insurance components. Individuals looking to obtain additional information regarding the features and pricing of each travel plan component, please contact International Medical Group 9200 Keystone Crossing Suite 800 Indianapolis, IN 46240 USA. [email protected]. +1 (317) 655-9796. iTravelInsured Insurance Services CA Non-Resident Producer License No. 0F17093.

Select why you are away from home.

Get plan recommendations and helpful resources., government services.

  • "Although one hopes never to use travel insurance, IMG was a godsend throughout our ordeal. We couldn’t have done it without your continued assistance." Joan D. United States

" I took comfort in the fact that IMG had my back. "

While skiing in Chile, Mark, an IMG member, found himself on the brink of paralysis.

Select your Language

Headquarters, send a message.

If you need to send personal information such as medical records, payment information, etc., please use our Secure Message Center .

travel interruption insurance covid

Thank you for your message! We'll be in touch shortly.

U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

The Best Travel Medical Insurance of 2024

travel interruption insurance covid

Allianz Travel Insurance »

travel interruption insurance covid

Seven Corners »

travel interruption insurance covid

GeoBlue »

travel interruption insurance covid

WorldTrips »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Medical Insurance Plans.

Table of Contents

  • Allianz Travel Insurance
  • Seven Corners

Buying travel insurance is a smart move for any type of trip, but you may not need a policy that covers everything under the sun. If you don't need coverage for trip cancellations or delays because you're relying on your travel credit card to offer these protections, for example, you may find you only need emergency medical coverage that works away from home.

Still, travel medical coverage varies widely based on included benefits, policy limits and more. If you're comparing travel insurance plans and hoping to find the best option for unexpected medical expenses, read on to learn which policies we recommend.

Frequently Asked Questions

The term travel insurance usually describes a comprehensive travel insurance policy that includes coverage for medical expenses as well as trip cancellations and interruptions, trip delays, lost baggage, and more. Meanwhile, travel medical insurance is coverage that focuses on paying for emergency medical expenses and other related care.

Travelers need international health insurance if they're visiting a place where their own health coverage will not apply. This typically includes all international trips away from home since U.S. health plans limit coverage to care required in the United States.

Note that if you don't have travel health insurance and you become sick or injured abroad, you'll be responsible for paying back any health care costs you incur.

Many travel insurance policies cover emergency medical expenses you incur during a covered trip. However, the included benefits of each policy can vary widely, and so can the policy limits that apply.

If you're looking for a travel insurance policy that offers sufficient protection for unexpected medical expenses, you'll typically want to choose a plan with at least $100,000 in coverage for emergency medical care and at least that much in protection for emergency medical evacuation and transportation.

However, higher limits can provide even more protection from overseas medical bills, which can become pricey depending on the type of care you need. As just one example, Allianz says the average cost of emergency medical evacuation can easily reach up to $200,000 or more depending on where you’re traveling.

Your U.S. health insurance policy almost never covers medical expenses incurred abroad. The same is true for most people on Medicare and especially Medicaid. If you want to ensure you have travel medical coverage that applies overseas, you should purchase a travel insurance plan with adequate limits for every trip. Read the U.S. News article on this topic for more information.

The cost of travel medical insurance can vary depending on the age of the travelers, the type of coverage purchased, the length of the trip and other factors. You can use a comparison site like TravelInsurance.com to explore different travel medical insurance plans and their cost.

  • Allianz Travel Insurance: Best Overall
  • Seven Corners: Best for Families
  • GeoBlue: Best for Expats
  • WorldTrips: Best Cost

Coverage for preexisting conditions is available as an add-on

Easy to purchase as needed for individual trips

Relatively low limits for medical expenses

No coverage for trip cancellations or trip interruption

  • Up to $50,000 in emergency medical coverage
  • Up to $250,000 in emergency medical evacuation coverage
  • Up to $2,000 in coverage for baggage loss and damage
  • Up to $600 in baggage delay insurance
  • Up to $1,000 for travel delays
  • Up to $10,000 in travel accident insurance
  • 24-hour hotline assistance
  • Concierge services

Purchase comprehensive medical coverage worth up to $5 million

Coverage for families with up to 10 people

Low coverage amounts for trip interruption

Medical coverage options vary by age

  • Up to $5 million in comprehensive medical coverage
  • Up to $500,000 in emergency evacuation coverage
  • Up to $10,000 in coverage for incidental trips to home country
  • Up to $25,000 in coverage for terrorist activity
  • Up to $500 in accidental dental emergency coverage
  • Up to $100 per occurrence in coverage for emergency eye exams
  • $50,000 in coverage for local burial or cremation
  • 24/7 travel assistance
  • Up to $25,000 in coverage for accidental death and dismemberment per traveler
  • Up to $500 for loss of checked baggage
  • Up to $5,000 for trip interruptions
  • Up to $100 per day for trip delays
  • Up to $50,000 for personal liability

Qualify for international health insurance with no annual or lifetime caps

Use coverage within the U.S. with select providers

Deductible from $500 to $10,000 can apply

Doesn't come with any nonmedical travel insurance benefits

  • Up to $250,000 in coverage for emergency medical evacuation
  • Up to $25,000 for repatriation of mortal remains
  • $50,000 in coverage for accidental death and dismemberment

High limits for medical insurance and emergency medical evacuation

Covers multiple trips over a period of up to 364 days

Deductible of $250 required for each covered trip

Copays required for medical care received in the U.S.

  • Up to $1,000,000 of maximum coverage
  • Up to $1,000,000 for emergency medical evacuation
  • Up to $10,000 for trip interruptions
  • Up to $1,000 for lost checked luggage
  • Up to $100 per day for travel delays
  • Up to $25,000 in personal liability coverage
  • Medical coverage for eligible expenses related to COVID-19
  • Ability to add coverage for your spouse and/or child(ren)
  • Repatriation of remains coverage up to overall limit
  • Up to $5,000 for local burial or cremation 
  • $10,000 to $50,000 for common carrier accidental death

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world and has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg, who has been licensed to sell travel insurance in 50 states, in their family media business.

You might also be interested in:

travel interruption insurance covid

12 Best Travel Insurance Companies of January 2024

Holly Johnson

Find the best travel insurance for you with these U.S. News ratings, which factor in expert and consumer recommendations.

travel interruption insurance covid

9 Cheapest Travel Insurance Companies Worth the Cost

U.S. News rates the cheapest travel insurance options, considering pricing data, expert recommendations and consumer reviews.

travel interruption insurance covid

How to Get Airport Wheelchair Assistance (+ What to Tip)

Suzanne Mason and Rachael Hood

From planning to arrival, get helpful tips to make the journey easier.

travel interruption insurance covid

Is Travel Insurance Worth It? Yes, in These 3 Scenarios

These are the scenarios when travel insurance makes most sense.

Finance Strategists

Travel Insurance | Definition, Benefits, Considerations, Selection

What is travel insurance.

T ravel insurance is a type of policy designed to cover various risks and losses associated with traveling. It can provide financial protection for unforeseen events that may occur before or during a trip.

Travel insurance policies often cover a wide range of incidents, such as medical emergencies, trip cancellations, lost luggage, and more.

By purchasing travel insurance, individuals can have peace of mind knowing they are protected against potential financial setbacks while exploring new destinations.

Travel insurance is crucial for mitigating risks that can occur during a trip . It provides a safety net for travelers, ensuring that they have financial support when faced with unexpected situations.

Having travel insurance can also alleviate stress and anxiety associated with traveling, especially for those venturing to unfamiliar destinations or participating in high-risk activities.

In addition, it can help travelers avoid the burden of paying for costly medical treatments or losing non-refundable deposits due to unforeseen cancellations.

Benefits of Travel Insurance

Medical emergencies and evacuation.

One of the primary reasons to obtain travel insurance is to cover potential medical emergencies that may occur during a trip. Medical coverage can help pay for hospital bills, doctor visits, and even emergency evacuation if needed.

In some cases, travelers may require emergency transportation back to their home country for specialized treatment. Travel insurance can cover the cost of this evacuation, which can be extremely expensive if paid out-of-pocket.

Trip Cancellation, Interruption, and Delay

Trip cancellation, interruption, and delay coverage are essential components of travel insurance. These policies protect travelers from financial losses due to unforeseen events that may disrupt their travel plans.

Trip cancellation coverage reimburses travelers for non-refundable expenses if they need to cancel their trip before departure due to covered reasons.

Trip interruption coverage provides reimbursement for additional expenses incurred if a trip is cut short, while trip delay coverage compensates for expenses such as accommodations and meals if a traveler is delayed for a specified period.

Factors to Consider When Purchasing Travel Insurance

Duration and frequency of travel.

When choosing a travel insurance policy, it's essential to consider the length and frequency of your trips. Frequent travelers or those planning extended trips may benefit from purchasing an annual multi-trip policy, which covers multiple trips within a year.

Annual multi-trip policies can be more cost-effective than purchasing individual policies for each trip. However, they may have limitations regarding the maximum duration of each trip, so it's crucial to review the policy details carefully.

Destination and Activities

The destination and activities planned during a trip can significantly impact the type of travel insurance needed.

Travelers heading to remote or high-risk locations may require more comprehensive coverage, including medical evacuation and emergency assistance services.

Similarly, travelers participating in adventure sports or other potentially dangerous activities should ensure that their chosen policy covers these specific pursuits. Some policies may exclude certain activities or require additional coverage to be purchased.

How to Choose the Right Travel Insurance Policy

Comparing travel insurance providers.

Before purchasing travel insurance, it's crucial to compare different providers to find the best policy for your needs. This involves researching various companies, reviewing their coverage options, and evaluating their customer service and claims processes.

By comparing travel insurance providers, travelers can gain a better understanding of the policies available and make an informed decision about which policy is best suited to their individual needs and preferences.

Evaluating Coverage Options

When selecting a travel insurance policy, it's important to carefully review the coverage options available. Travelers should ensure that the policy provides adequate protection for their specific needs, such as medical coverage, trip cancellation, and baggage loss.

In addition, it's crucial to review the policy's limits, deductibles, and exclusions. These factors can significantly impact the level of protection provided by the policy.

Travelers should select a policy that offers sufficient coverage limits and reasonable deductibles, while also being mindful of any exclusions that may apply to their specific situation.

How to File a Travel Insurance Claim

Understanding the claims process.

Filing a travel insurance claim can be a daunting task, but understanding the process can make it less overwhelming. Familiarizing oneself with the required steps and documentation needed can help ensure a smoother experience when submitting a claim.

The first step in the claims process is to notify the insurance provider as soon as possible when an incident occurs. Timely communication is essential, as some policies have strict deadlines for submitting claims.

Gathering Necessary Documentation

When filing a travel insurance claim, it's crucial to gather all necessary documentation to support the claim.

This can include receipts, invoices, medical records, and any other relevant paperwork that demonstrates the expenses incurred as a result of the covered event.

Travelers should also provide a detailed written account of the incident, including dates, locations, and any other pertinent information.

By providing thorough documentation, travelers can help expedite the claims process and increase their chances of receiving a favorable outcome.

Travel Insurance and COVID-19

The COVID-19 pandemic has significantly impacted the travel insurance industry, prompting changes in coverage and policy offerings.

As travel restrictions and health concerns continue to evolve, insurance providers have adapted their policies to address the unique challenges presented by the pandemic.

Many travel insurance providers now offer policies that include coverage for COVID-19 related expenses, such as medical treatment, quarantine, and trip cancellations due to the virus.

However, it's essential to carefully review each policy's specific coverage and exclusions related to COVID-19.

In conclusion, travel insurance is an essential component of any travel plan, providing financial protection and peace of mind in the face of unexpected events.

By carefully considering factors such as duration, destination, and activities, travelers can select the best policy for their needs.

Understanding the claims process and staying informed about COVID-19 related coverage can further enhance the benefits of travel insurance, ensuring that travelers are well-prepared for any challenges that may arise during their journeys.

Travel Insurance

Partner content: This content was created by a business partner of Dow Jones and researched and written independently of the MarketWatch newsroom. Links in this article may result in us earning a commission. Learn More

The Best COVID-19 Travel Insurance Companies of 2024

We round up the best travel insurance options that offer pandemic and medical protections.

travel interruption insurance covid

Taylor Medine started blogging about her experiences stretching a dollar in 2013 as a recent college grad. Eventually, that passion grew into a career studying personal finance topics and demystifying them for people like her — the everyday consumer. When she’s not writing, you’ll find her hunting for travel deals or trying (and often failing) at a DIY project.

travel interruption insurance covid

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

The best COVID-19 travel insurance companies are Travelex and Seven Corners Travel Insurance due to their comprehensive coverage for interruptions and cancellations caused by COVID-19.

With travel bans and restrictions lifted worldwide, you may be excited to travel but fearful of what might happen if COVID-19 derails your plans. Several travel insurance plans incorporate COVID-19 coverage to help offset prepaid costs if you or a travel companion contracts the virus before or during your trip.

  • Top 8 Providers

Compare Pandemic Travel Insurance Companies

Is pandemic travel insurance worth it.

  • The Bottom Line
  • Methodology

Faye Logo

Top 9 Travel Insurance Companies for COVID-19

  • Travelex : Our top pick
  • Seven Corners: Our pick for international travelers
  • Tin Leg: Our pick for customizable coverage
  • Allianz Travel Insurance: Our pick for concierge services
  • TravelSafe: Our pick for equipment coverage
  • Generali: Our pick for emergency assistance
  • John Hancock Travel Insurance: Our pick for delay coverage
  • Trawick: Our pick for well-rounded coverage
  • HTH Travel Insurance: Our pick for group travel

We pulled price quotes for four vacations outlined in our methodology at the bottom of this page. The costs in this article reflect the premium for each of those four trips for each provider averaged together.

Why Trust Us?

Travelex

  • Average plan cost: $242
  • AM Best Rating: A++
  • COVID-19 coverage: Yes

Headquartered in Omaha, Neb., Travelex offers travel insurance policies with COVID-19 trip cancellation, interruption and trip delay coverage. This can help you pay for nonrefundable prepaid travel costs or unforeseen expenses if you test positive for COVID-19 before or during the trip.

Medical and evacuation protection can cover treatment if you need care or emergency evacuation. Further, Travelex insurance may reimburse you if a family member back home contracts COVID-19 and you need to return early to care for them. Travelex prioritizes paying out a high number of claims quickly, making it our top pick for a fast claims process.

Pros & Cons

Coverage & cost.

Add-On Options

Below are customizable add-ons to consider for your Travelex policy:

  • Accidental death and dismemberment (air travel only)
  • Additional medical coverage
  • Adventure sports coverage
  • Cancel for any reason coverage
  • Car rental collision coverage

Based on quotes we obtained using the seven trip profiles outlined in our methodology, Travelex’s average trip cost is $242.

Seven Corners Travel Insurance

  • Average plan cost: $206
  • AM Best Rating: A

Seven Corners offers coronavirus protection through its RoundTrip and Travel Medical Insurance coverage plans. Choose a RoundTrip plan and you get the perks of a comprehensive travel policy that includes lost baggage coverage, travel assistance and more.

Seven Corners policies may reimburse you for prepaid and nonrefundable vacation payments if you cancel a trip or your trip gets interrupted because you got sick with COVID-19. Medical coverage may also reimburse you for doctor bills. If you’re required to quarantine, policy coverage could extend to help pay for lodging and meals.

Below are add-on options you may be able to include in your Seven Corners policy:

  • Trip interruption for any reason coverage
  • Rental car damage coverage
  • Sports and gold equipment coverage

Based on quotes we obtained using the seven trip profiles outlined in our methodology, Seven Corners’s average trip cost is $206.25.

Tin Leg

  • Average plan cost: $167

Tin Leg, a company founded by Squaremouth, has nine insurance plans to choose from, and each offers pandemic-related cancellation, medical and evacuation protection if you have a positive COVID-19 test. These protections reimburse you for prepaid costs if you have to cancel the trip and medical bills if you have to seek care on vacation.

If you or a travel companion gets COVID-19 in the middle of the trip, you could get reimbursed for up to 150% of unused travel costs if you leave early. Plus, travel delay coverage can help you pay for meals and lodging costs if you are required to quarantine before returning home. However, the reimbursement is capped at seven days, and there’s a daily coverage limit.

Below are add-on options for Tin Leg travel insurance:

  • Rental car damage

Based on quotes we obtained using the seven trip profiles outlined in our methodology, Tin Leg’s average trip cost is $166.50.

TravelSafe Insurance

  • Average plan cost: $308

With TravelSafe, cancellations, interruptions or delays because of a positive COVID-19 test are treated like any other sicknesses that your travel policy would cover. TravelSafe also offers missed connection coverage, which helps you pay for extra travel costs if you miss part of your trip because of quarantine, flight delay and other covered reasons.

If you’re planning to play golf while traveling, you can add extra personal property coverage to your TravelSafe policy as a hedge against lost or damaged clubs.

Below are add-on options you may include to your TravelSafe policy:

  • Accidental death and dismemberment (air only)
  • Extended personal property coverage

Based on quotes we obtained using the seven trip profiles outlined in our methodology, TravelSafe’s average trip cost is $308.

Allianz Global Assistance

  • Average plan cost: $283
  • AM Best Rating: A+

Allianz Travel Insurance provides its Epidemic Coverage Endorsement that expands coverage for COVID-19 travel disruptions. Specifically, it covers your trip if COVID-19 is the reason for cancellation or interruption, even if you’re asymptomatic. COVID-19-related emergency care and transportation may also be covered.

We like that Allianz Travel Insurance offers a 24/7 concierge service for travel support and that the company has a network of prescreened hospitals for care if you fall ill.

Below are add-ons to consider for your Allianz Travel Insurance policy:

  • Rental car protection
  • Required to work coverage

Based on quotes we obtained using the seven trip profiles outlined in our methodology, Allianz’s average trip cost is $282.50.

Generali Global Assistance

  • Average plan cost: $228

Generali provides COVID-19 coverage for you and your travel companions if a doctor confirms your positive test. Protection includes coverage for trip cancellation, travel delay, medical expenses and emergency transportation services similar to other covered illnesses.

For other benefits, Generali provides missed connection and air flight accidental death and dismemberment coverage for all plans. Preferred and Premium plans come with sports equipment delay coverage in case you have to rent equipment.

Customers can take advantage of 24-hour travel assistance, telemedicine for health issues and concierge services for support. Travelers can access a service that sets up doctors appointments and fronts medical payments of up to $1,000.

Below are coverages you may be able to add to your Generali policy:

Based on quotes we obtained using the seven trip profiles outlined in our methodology, Generali’s average trip cost is $252.20. 

John Hancock Travel Insurance

  • Average plan cost: $280

Travel insurance policies through John Hancock may reimburse nonrefundable trip costs if you can’t travel because you, travel companions or family members contract COVID-19. If you need to rebook a trip, the premiums you paid on the policy could transfer to your future trip’s coverage as long as you make travel changes before the initial departure.

An area where John Hancock travel insurance stands out is cancel-for-any-reason coverage: It is an add-on option for even the basic Bronze policy, and it can cover up to 75% of travel costs for cancellations that aren’t typically covered.

Add-on options for John Hancock travel insurance:

  • Rental car collision coverage

Based on quotes we obtained using the seven trip profiles outlined in our methodology, John Hancock’s average trip cost is $280.

Trawick International

  • Average plan cost: $208

Trawick International launched in 1998 and specializes in providing insurance to international students and students studying abroad. The company offers many types of insurance, including travel insurance that includes COVID-19 coverage.

Like other insurance plans, your illness and inability to travel must be confirmed by a doctor for it to be a covered reason for trip cancellation, interruption or delay. Trawick also offers a portfolio of plans that provide coverage for international travelers visiting the U.S. and insurance for students living outside of their home country.

Below are Trawick International add-on options:

  • 24-hour accidental death and dismemberment
  • Additional accident and sickness medical coverage
  • Interruption for any reason coverage
  • Upgradable trip delay coverage

Based on quotes we obtained using the seven trip profiles outlined in our methodology, Trawick’s average trip cost is $208.41. 

HTH Travel Insurance

  • Average plan cost: $72
  • AM Best Rating: A-
  • COVID-19 coverage: Medical only

HTH Travel Insurance doesn’t outline specific COVID-19 policy features on its website but offers three tiers of trip protection with travel interruption, delay and cancellation protection for covered reasons, which can include illness certified by a doctor. HTH Travel Insurance says the company may provide group travel rates 10% lower than standard rates for groups of five or more.

Besides coverage for cancellations, the company offers protections for missed connections, emergency evacuations and repatriation of remains. Extra benefits include a 24-hour emergency hotline and notifications about health and news at your destination.

Below are additional options that may be available through HTH Travel Insurance:

Based on quotes we obtained using the seven trip profiles outlined in our methodology, HTH’s average trip cost is $71.88.

What Does COVID-19 Travel Insurance Cover?

Travel insurance is a financial backstop that reimburses you for prepaid costs if you have to cancel or delay a trip. Coverage may provide reimbursement for nonrefundable airfare, tours or accommodations as long as you cancel for a reason covered by the policy, such as a natural disaster or the death of a family member.

Covered reasons can also include getting an illness diagnosed by a doctor (i.e., contracting COVID-19) or hospitalization — but you may have to show proof that your doctor says you’re too sick to travel. Changing your mind about a trip and concerns about travel advisories are not usually included as a valid reason for cancellation or interruption.

However, in some cases, you have the option to purchase cancel for any reason (CFAR) coverage, which reimburses you for some costs without having to meet special conditions. This protects you if you decide to cancel because you’re hesitant to travel because of COVID-19.

Besides coverage for trip cancellations, interruptions and delays, travel insurance may cover costs resulting from missed connections, airfare changes, lost luggage, lost possessions and more.

Common Add-Ons

Add-ons for travel insurance vary by provider, but here are common options:

  • Car rental coverage
  • Accidental death and dismemberment
  • Additional personal belongings coverage

Considering COVID-19

It remains a good idea to be cautious about COVID-19 when traveling, and reviewing health conditions for destinations can help you make decisions on the safest places to go. The U.S. State Department has a database with advisories by country you can reference before booking.

Before buying insurance, read through the terms of policies to decipher what pandemic-related coverages are provided. In most cases, cancellations, interruptions or delays because of COVID-19 are covered only if you or a travel companion gets sick or a family member gets sick at home and you need to return to care for them.

Cancellations from a health advisory at a location or because you changed your mind about traveling likely will not be covered. When in doubt, you can always contact the insurer with questions before purchasing the policy.

Factors That Impact Cost

Factors that affect the cost of your travel insurance include your age, where you’re traveling to, the cost of your trip and the length of your trip. Adding various custom riders, like protection for a rental car or cancellation for any reason coverage, will also increase the cost.

travel interruption insurance covid

While almost all COVID-19 restrictions are lifted in the U.S., the virus is still a global health threat. Even if travel insurance isn’t required for a trip, purchasing insurance that includes COVID-19 protections can help you avoid a financial burden if you contract the virus before or during the trip.

You might not need the pandemic travel coverage if you’re taking a low-cost trip and not crossing international borders. Your health insurance may cover medical costs within the country, and the money you lose from canceling an affordable trip could be too low to justify shopping for and buying coverage. It’s different if you pay a lot of money up front for a long, expensive vacation.

Another option is looking at the travel protections that your credit card company provides. Some cards offer trip protection for emergencies that could include coverage if you call off a trip or end a trip early after contracting COVID-19. But travel costs usually have to be paid for with the card for them to qualify.

Which Provider Offers the Best Pandemic Travel Insurance?

Purchasing travel insurance is a way to protect your trip if you’re spending a large sum on a getaway. And because health insurance usually doesn’t follow you across borders, the medical expense coverage part of travel insurance can foot the bill if you need to see a doctor.

Coverage limits and terms vary from one policy to the next. Coming up with a shortlist of travel insurance providers and pulling quotes can help you compare options and choose the coverage that makes the most sense for your trip.

Frequently Asked Questions About Travel Insurance

What are the cheapest ways to get travel insurance for a pandemic.

The best way to find cheap travel insurance with pandemic coverage is by shopping around with different providers. Many offer free quotes online, and it takes minutes to check rates.

What are the advantages of purchasing the best pandemic travel insurance?

The advantage of pandemic travel insurance is that it reimburses prepaid travel costs if you cancel or cut short a trip because of getting COVID-19 before or during the trip. And if a family member contracts COVID-19 while you’re away, pandemic travel insurance may reimburse you for expenses related to returning home early to care for a loved one.

What are the best pandemic travel insurance policies?

The best travel insurance policies clearly outline how you’ll be covered if you or a travel companion contracts COVID-19 resulting in a trip cancellation or disruption. Many comprehensive travel insurance policies offer COVID-19 protections along with other travel benefits, such as coverage for lost baggage or missed travel connections. Reviewing the options above is a starting point to shop for a policy that’s right for you.

Methodology: Our System for Ranking the Best Travel Insurance Companies

  • A 30-year-old couple taking a $5,000 vacation to Mexico.
  • A family of four taking an $8,000 vacation to Mexico.
  • A 65-year-old couple taking a $7,000 vacation to the United Kingdom.
  • A 30-year-old couple taking a $7,000 trip to the United Kingdom.
  • A 19-year-old taking a $2,000 trip to France.
  • A 27-year-old couple taking a $1,200 trip to Greece.
  • A 51-year-old couple taking a $2,000 trip to Spain.
  • Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
  • Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
  • Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
  • Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

travel interruption insurance covid

Find the best [category]

  • Credit cards
  • View all credit cards
  • Banking guide
  • Loans guide
  • Insurance guide
  • Personal finance
  • View all personal finance
  • Small business
  • View all small business

Will My Travel Insurance Cover Coronavirus?

Elina Geller

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

If you have upcoming travel plans and are considering a travel insurance policy, check if it covers COVID. Not all providers do, and it's important to know for sure. So, does your travel insurance cover COVID? How can you tell?

As with many things in life, the short answer is: "It depends." And the long answer is: You can only start to determine if your insurance covers COVID when you understand what type of coverage you have, which provider you bought it from and what the exact reason is for your trip cancellation.

While we can give general guidance as to most travel insurance plans, it is in your best interest to give your insurance provider a call to verify whether a given policy will cover coronavirus-related interruptions.

» Learn more: The best travel insurance policies that include COVID coverage

Reasons travel insurance typically covers

While not a comprehensive list (and remember all insurance policies are different), here are some standard reasons when a comprehensive travel insurance policy will kick in:

Sickness, injury or death.

Common carrier cancellations or delays.

Labor strike.

Car accident.

Hijacking or quarantine.

Home uninhabitable.

Destination uninhabitable.

Travel document theft.

Medical evacuation.

Military duty.

Military leave revoked.

Terrorist act.

New vaccination requirements.

Civil disorder.

Some of those reasons might apply to your specific coronavirus situation, such as if you are already ill or under quarantine by a doctor's orders. If you (or your travel companion) contract COVID-19, your travel insurance provider may cover cancellation for a medical reason. You will likely be required to submit a medical diagnosis from a physician.

Nonetheless, we recommend giving your travel insurance provider a call before your trip to verify coverage. And, since many airlines and hotels have loosened change and cancellation policies due to COVID-19, first try to get a refund from the travel supplier. It may be an easier process than dealing with the insurance provider.

Is coronavirus a foreseen event?

If you purchased travel insurance after the World Health Organization declared coronavirus a pandemic on March 11, 2020, then COVID-19 might be viewed by your insurance company as a foreseen event and it may not be covered.

In other words, the company says that you should have known about the potential risks but still chose to travel, so the cost of travel and its consequences are on you. We recommend checking with your insurance provider about the "known" or "foreseeable" status dates of the coronavirus outbreak and how this may affect your specific coverage.

Claims due to known, foreseeable or expected events, epidemics or fear of travel are generally not covered, and coverage can vary by state. However, until further notice, although not covered under most plans, some underwriters are currently accommodating claims for:

Under Emergency Medical Care and Emergency Medical Transportation Benefits: Emergency medical care and emergency medical transportation for a customer who becomes ill with COVID-19 while on their trip.

Under Trip Cancellation or Trip Interruption Benefits: Trip cancellation and trip interruption if a customer becomes ill with COVID-19 either before or during their trip.

Under Trip Cancellation Benefit: Nonrefundable, nontransferable trip cancellation expenses for customers who purchased their plan prior to January 22, 2020, for trip components in Mainland China, South Korea or the Lombardy or Veneto regions of Italy and departing prior to April 1, 2020.”

However, due to the evolving pandemic over the last few years, many providers have updated their policies to include coronavirus coverage. For example, in May 2021, Allianz announced the addition of epidemic-related covered reasons to its popular insurance plans. Plans are now offering accommodations for COVID-19.

» Learn more: Where U.S. citizens can travel right now

Is "I’m afraid to travel" a legit reason?

Almost all travel insurance policies have a "fear of travel" clause. According to AIG , one of the world’s largest travel insurance providers, "Trip cancellation for concern or fear of travel associated with sickness, epidemic, or pandemic, including Coronavirus, is not covered."

If you bought a ticket, then become afraid to travel because of any sickness, that is probably not a covered reason. If you want ultimate flexibility in canceling your trip for any reason, you’ll want to consider "cancel for any reason" (CFAR) travel insurance coverage.

Consider Cancel For Any Reason travel insurance

"Cancel For Any Reason" coverage allows you to cancel a trip for any reason and receive a partial refund (up to 75%) of your nonrefundable trip costs as long as the trip is canceled at least two days in advance. You cannot purchase CFAR coverage on its own; it is an optional upgrade that is sometimes available when you buy travel insurance. Not all providers offer it, so if you’re looking for the CFAR supplement, you’ll have to ask your travel insurance provider about it or filter your online search accordingly.

» Learn more: Cancel For Any Reason (CFAR) travel insurance explained

Use your credit card's built-in travel insurance

Comprehensive travel insurance policies offer the highest levels of trip cancellation and trip interruption coverage. Some premium travel credit cards include trip insurance as a complimentary benefit. Although the coverage limits may be below those offered by travel insurance companies on comprehensive plans, the limits may be sufficient for you. As with paid travel insurance, check with the provider to confirm if known conditions such as the coronavirus are covered.

» Learn more: Travel insurance benefits on American Express credit cards

As an example, we took a look at the policy for one of the popular travel cards, the Chase Sapphire Preferred® Card . There are some notable bullet points that are common across many programs.

Similarly, this insurance will not cover a "disinclination to travel based on a pandemic." If you decide that you don’t want to travel because you might get sick or you are afraid to go, you won’t be covered.

The insurance does clearly state, however, that if you are sick or hospitalized before or during your trip, you may be covered by the plan:

Accidental bodily injury, loss of life or sickness experienced by you or your traveling companion which prevents you or your traveling companion from traveling on the trip.

Accidental bodily injury, loss of life, or sickness experienced by an immediate family member of you or your traveling companion when the accidental bodily injury or sickness is considered life-threatening, requires hospitalization or such immediate family member requires care by you or your traveling companion.

If either you or your traveling companion becomes sick and you are prevented from traveling, you may be covered. Also note that if a family member of either you or your traveling companion requires hospitalization and you are needed to care for them, that may be covered as well.

As with all things insurance-related, if you have specific questions about your policy or your credit card’s coverage, it’s always best to give the company a call beforehand. Still, the general consensus is that if you’re afraid you might contract COVID-19, your insurance won't cover you.

» Learn more: Your guide to the Chase Sapphire Reserve's trip cancellation and travel insurance

How travel medical insurance differs

If your trip doesn't include nonrefundable trip costs paid to a travel provider or the trip insurance coverage you have from your credit cards is sufficient, purchasing a standalone travel health insurance policy may be your best bet for an upcoming trip.

These policies provide reimbursement for emergency medical expenses, including evacuations, while you’re traveling. Again, it's important to check if the policy you’re considering has any clauses related to pandemics or exclusions for travel to countries that have current travel advisories to ensure you don't nullify your medical coverage.

» Learn more: Travel medical insurance: emergency coverage while you travel internationally

It depends. Fear of travel generally isn't an allowable reason, so you won't benefit from trip cancellation coverage for nonrefundable payments made to a trip supplier. The reason for cancellation has to fall into one of the unforeseen events listed in the policy. However, if you’ve purchased a CFAR add-on and want to cancel, you will be covered for up to 75% of your nonrefundable deposit as long as you cancel at least two days before the departure date.

Although staying home is the best way to safeguard yourself and others from catching coronavirus, there are some general precautions you can take to reduce the spread. According to the CDC, a few ways include: Checking if the destination you’re going to has increasing cases in the past seven days, knowing whether you’re at an increased risk for severe illness from coronavirus and staying up to date with the airline’s and destination’s requirements/restrictions for travelers (such as wearing masks, enforcing quarantine, etc.). If you choose to travel, consider purchasing a travel insurance policy or a standalone emergency medical insurance plan just in case.

Although staying home is the best way to safeguard yourself and others from catching coronavirus, there are some general precautions you can take to reduce the spread. According to the CDC, a few ways include: Checking if the destination you’re going to has increasing cases in the past seven days, knowing whether you’re at an increased risk for severe illness from coronavirus and staying up to date with the airline’s and destination’s

requirements/restrictions for travelers

(such as wearing masks, enforcing quarantine, etc.). If you choose to travel, consider purchasing a travel insurance policy or a standalone emergency medical insurance plan just in case.

How can I be sure if my travel insurance covers COVID?

Deciding whether to travel during the coronavirus pandemic is a personal decision. Get familiarized with the different insurance protections and airline change/cancellation policies that may be applicable for your trip, as they could help you get your money back in the event of a trip cancellation.

When considering the health implications of travel, keep in mind that travel medical insurance is an option, especially if you don’t need the trip cancellation coverage provided by comprehensive policies. Regardless of which policy you choose, confirm that coronavirus-related losses are covered by insurance before purchasing coverage.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

Chase Sapphire Reserve Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®.

Chase Sapphire Preferred Credit Card

1x-5x Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

Chase Southwest Rapid Rewards® Plus Credit Card

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

travel interruption insurance covid

  • Election 2024
  • Entertainment
  • Photography
  • Press Releases
  • Israel-Hamas War
  • Russia-Ukraine War
  • Latin America
  • Middle East
  • Asia Pacific
  • AP Top 25 College Football Poll
  • Movie reviews
  • Book reviews
  • Financial Markets
  • Business Highlights
  • Financial wellness
  • Artificial Intelligence
  • Social Media

As deaths rise, Russian doctors despair at low vaccine rate

Medics wearing special suits to protect against coronavirus treat a patient with coronavirus, left, as others prepare a patent to move at an ICU at the Moscow City Clinical Hospital 52, in Moscow, Russia, Tuesday, Oct. 19, 2021. Russia hit another daily record of coronavirus deaths Tuesday as rapidly surging infection rates raised pressure on the country’s health care system and prompted the government to suggest declaring a nonworking week. (AP Photo/Alexander Zemlianichenko)

An employee of the Federal State Center for Special Risk Rescue Operations of Russia Emergency Situations disinfects Leningradsky railway station in Moscow, Russia, Tuesday, Oct. 19, 2021. Russia registered another daily record of coronavirus deaths Tuesday as rapidly surging contagion raised pressure on the country’s health care system. The daily coronavirus mortality numbers have been surging for weeks and topped 1,000 for the first time over the weekend amid sluggish vaccination rates and the government’s reluctance to toughen restrictions. (AP Photo/Alexander Zemlianichenko Jr)

Russian President Vladimir Putin attends a meeting of the State Council Presidium to discuss the country’s transport strategy until 2030 via video conference call at the Novo-Ogaryovo state residence, outside Moscow, Russia, Tuesday, Oct. 19, 2021. (Evgeny Paulin, Sputnik, Kremlin Pool Photo via AP)

Medics wearing special suits to protect against COVID-19 treat a patient with coronavirus at an ICU at the Moscow City Clinical Hospital 52, in Moscow, Russia, Tuesday, Oct. 19, 2021. Russia hit another daily record of coronavirus deaths Tuesday as rapidly surging infection rates raised pressure on the country’s health care system and prompted the government to suggest declaring a nonworking week.(AP Photo/Alexander Zemlianichenko)

Medics wearing special suits to protect against coronavirus make a briefing as they come to treat a patient with coronavirus at an ICU at the Moscow City Clinical Hospital 52, in Moscow, Russia, Tuesday, Oct. 19, 2021. Russia hit another daily record of coronavirus deaths Tuesday as rapidly surging infection rates raised pressure on the country’s health care system and prompted the government to suggest declaring a nonworking week.(AP Photo/Alexander Zemlianichenko)

Medics wearing a special suit to protect against coronavirus treat a patient with coronavirus at an ICU at the Moscow City Clinical Hospital 52, in Moscow, Russia, Tuesday, Oct. 19, 2021. Russia hit another daily record of coronavirus deaths Tuesday as rapidly surging infection rates raised pressure on the country’s health care system and prompted the government to suggest declaring a nonworking week.(AP Photo/Alexander Zemlianichenko)

Patients with coronavirus are in the intensive ward of an ICU at the Moscow City Clinical Hospital 52, in Moscow, Russia, Tuesday, Oct. 19, 2021. Russia hit another daily record of coronavirus deaths Tuesday as rapidly surging infection rates raised pressure on the country’s health care system and prompted the government to suggest declaring a nonworking week.(AP Photo/Alexander Zemlianichenko)

Georgy N. Arbolishvili, M.D., Ph.D. , Head of Resuscitation and Intensive Care Unit (ICU No. 3) of the Moscow City Clinical Hospital 52, speaks during his interview with the Associated Press in Moscow, Russia, Tuesday, Oct. 19, 2021. Medics blame the country’s quickly mounting infections and deaths on a slow vaccine uptake. Russia hit another daily record of coronavirus deaths Tuesday as rapidly surging infection rates raised pressure on the country’s health care system and prompted the government to suggest declaring a nonworking week. (AP Photo/Alexander Zemlianichenko)

Medics wearing special suits to protect against coronavirus move a patient with coronavirus at an ICU at the Moscow City Clinical Hospital 52, in Moscow, Russia, Tuesday, Oct. 19, 2021. Russia hit another daily record of coronavirus deaths Tuesday as rapidly surging infection rates raised pressure on the country’s health care system and prompted the government to suggest declaring a nonworking week.(AP Photo/Alexander Zemlianichenko)

A medic wearing a special suit to protect against coronavirus sits near a patient with coronavirus at an ICU at the Moscow City Clinical Hospital 52, in Moscow, Russia, Tuesday, Oct. 19, 2021. Russia hit another daily record of coronavirus deaths Tuesday as rapidly surging infection rates raised pressure on the country’s health care system and prompted the government to suggest declaring a nonworking week.(AP Photo/Alexander Zemlianichenko)

Irina P. Beloglazova, M.D., Ph.D., Associate Professor, Internist, Pulmonologist, Head of Internal Medicine Department No. 4 of the Moscow City Clinical Hospital 52, speaks during her interview with the Associated Press in Moscow, Russia, Tuesday, Oct. 19, 2021. Russia hit another daily record of coronavirus deaths Tuesday as rapidly surging infection rates raised pressure on the country’s health care system and prompted the government to suggest declaring a nonworking week. Medics blame the country’s quickly mounting infections and deaths on a slow vaccine uptake. (AP Photo/Alexander Zemlianichenko)

Natavan A. Ibragimova, Internist of Internal Medicine Department No. 4 of the Moscow City Clinical Hospital 52, speaks during her interview with the Associated Press in Moscow, Russia, Tuesday, Oct. 19, 2021. Patients who have gotten the vaccine usually don’t have serious symptoms, Ibragimova added, while the unvaccinated come to regret it. Russia hit another daily record of coronavirus deaths Tuesday as rapidly surging infection rates raised pressure on the country’s health care system and prompted the government to suggest declaring a nonworking week. Medics blame the country’s quickly mounting infections and deaths on a slow vaccine uptake. (AP Photo/Alexander Zemlianichenko)

  • Copy Link copied

MOSCOW (AP) — Dr. Georgy Arbolishvili doesn’t need to see government statistics or hear about the records being broken every day for infections and deaths to know that Russia is struggling through a particularly alarming phase of the coronavirus pandemic.

He simply looks around his filled-to-capacity intensive care unit at Moscow’s Hospital No. 52.

With only about a third of Russia’s 146 million people vaccinated against COVID-19, the country has hovered near 1,000 reported deaths per day for weeks and surpassed it on Saturday — a situation that Arbolishvili says “causes despair.”

“The majority of ICU patients in grave condition are unvaccinated,” he told The Associated Press. These illnesses “could have been very easily avoided if a person had been vaccinated.”

FILE - A dose of a Moderna COVID-19 vaccine is prepared, Nov. 4, 2021, in Barboursville, W.Va. On Tuesday, Jan. 9, 2024, a federal judge in West Virginia scheduled a plea hearing for Monday, Jan. 22, for a former state health office manager who was indicted on charges related to coronavirus pandemic relief payments. (Sholten Singer/The Herald-Dispatch via AP, File)

With a record 1,015 fatalities reported Tuesday, the country’s death toll is now 225,325 — by far the highest in Europe, even though most experts agree even that figure is an undercount.

Those statistics “are directly linked to vaccinations,” Arbolishvili said. “The countries with a high share of those vaccinated don’t have such bad mortality numbers.”

Even though vaccines are plentiful, Russians have shown hesitancy and skepticism when it comes to getting vaccinated, which has been blamed on conflicting signals sent by authorities since the pandemic began last year.

Even as ICUs have filled in recent weeks, life in Moscow has continued as usual, with restaurants and movie theaters brimming with people, crowds swarming nightclubs and karaoke bars and commuters widely ignoring mask mandates on public transportation.

That makes medical workers like Dr. Natavan Ibragimova shudder.

“I think about sleepless nights when we get a huge number of patients who didn’t even bother to use banal protective means,” the internist at Hospital No. 52 said.

Patients who have gotten the vaccine usually don’t have serious symptoms, Ibragimova added, while the unvaccinated come to regret it.

“Patients who survive after a grave course of illness tell us when they are discharged, ‘Doctor, you were right and I will tell everyone that it’s necessary to get the vaccine,’” she said.

Until now, the Kremlin has ruled out a new nationwide lockdown like the one imposed early in the pandemic that dealt a heavy blow to the economy and sapped President Vladimir Putin’s popularity. The surging infections have raised the pressure on Russia’s health care system and prompted Cabinet officials to suggest that most public sector workers take a week off.

Deputy Prime Minister Tatyana Golikova, who heads the coronavirus task force, suggested Tuesday that such a nonworking period start Oct. 30 and last through the following week, when four of seven days already are state holidays. The Cabinet will ask Putin to authorize the move, which would still keep many businesses in the service sector open.

Authorities also have raised the pressure on medical workers, teachers and public servants to get vaccinated, but the pace has stayed sluggish. Putin has underlined the importance of vaccinations but has emphasized that it should be voluntary.

Kremlin spokesman Dmitry Peskov admitted that while the government has done everything to make vaccinations easily available, it should have been more proactive in encouraging them.

“Obviously, more should have been done to explain the lack of alternative to vaccination,” Peskov told reporters.

Authorities have set up vaccination sites in shopping malls and other facilities at clinics where shots are offered without any advance booking. They also have used lotteries, bonuses and other incentives to encourage people to get vaccinated, without much success.

Russia is the only place “where you can easily come and get the shot while passing by,” said Dr. Irina Beloglazova, a pulmonary specialist at Hospital No. 52. “A vaccine offers a clear chance to survive. I wonder why people don’t take that chance.”

In August 2020, Russia boasted of being the first country in the world to authorize a coronavirus vaccine even though it was only tested on a few dozen people at the time, proudly naming the shot Sputnik V in honor of its pioneering space program.

While extolling Sputnik V and three other domestic vaccines developed later, state-controlled media derided Western-made vaccine shots, a controversial message that many saw as feeding public doubts about vaccines in general.

Asked if authorizing imports of foreign vaccines would help, Peskov said the skepticism isn’t limited to domestic shots. So far, the World Health Organization and the European Union have not authorized the use of Sputnik V, and Peskov emphasized that the issue should be resolved on an equal basis.

While resisting a nationwide lockdown, the Kremlin empowered regional authorities across the country to decide on local restrictions, depending on their situation.

Many of Russia’s 85 regions already have restricted attendance at large public events and limited access to theaters, restaurants and other venues. Some have made vaccinations compulsory for certain public servants and people over 60.

Golikova urged the regions to move quickly on using digital codes for access to public areas.

Russia’s second-largest city of St. Petersburg joined others Monday in ordering digital codes so people can prove their vaccination or their recovery from infection to access conferences and sports events beginning Nov. 1. As of Nov. 15, those codes will also be required at movies, theaters, museums and gyms, and on Dec. 1, they will be mandatory at restaurants, cafes and some stores.

The city reported the second-largest number of new infections after Moscow, where authorities so far have refrained from tightening restrictions despite the mounting caseload. Moscow this week moved to tighten mask mandates on public transportation.

On Tuesday, Moscow Mayor Sergei Sobyanin said unvaccinated people over 60 will be required to stay home. He also told businesses to keep at least a third of their employees working remotely for three months starting Oct. 25.

Michael Head, a senior research fellow in global health at Britain’s University of Southampton, said the almost daily record-breaking virus numbers in Russia are hardly surprising, given the lack of restrictions and the highly contagious delta variant.

“We have seen time and again that if you let susceptible people mix, the delta variant is very, very adept at spreading in communities,” he said.

Experts at the WHO and elsewhere estimate that might require more than 80% of a population to be immunized.

The government’s task force has registered more than 8 million infections and ranks Russia as having the fifth-most COVID-19 deaths in the world after the United States, Brazil, India and Mexico.

However, state statistics agency Rosstat, which also counts deaths in which the virus wasn’t considered the main cause, has reported a much higher death toll — about 418,000 as of August. Based on that number, Russia would be the fourth hardest-hit nation.

Martin McKee, a professor of European public health at the London School of Hygiene and Tropical Medicine, said the situation was extremely worrying for Russia and the rest of the world. Even high rates of vaccination elsewhere in Europe won’t prevent the virus from being reimported from Russia, particularly if worrisome new variants emerge, he said.

“Until we have control of the virus everywhere, there’s a risk of importation and the pandemic will not be under control,” he said.

AP Medical Writer Maria Cheng in London contributed.

Follow AP’s pandemic coverage at https://apnews.com/hub/coronavirus-pandemic

travel interruption insurance covid

Advertisement

Struggling with rising cases and low vaccination rates, Moscow announces a lockdown.

Like many countries, Russia has seesawed between tighter and looser pandemic restrictions. As the coronavirus claims more victims, the pendulum is now swinging toward tightening.

  • Share full article

travel interruption insurance covid

By Andrew E. Kramer

  • Oct. 21, 2021

MOSCOW — Schools, shops and restaurants in the city of Moscow will close next week, municipal officials said, in one of the tightest lockdowns in the Russian capital since the pandemic began, a measure made necessary by low vaccination rates.

Russia’s coronavirus response, like that of many other countries, has seesawed between strict controls and lax enforcement of mask-wearing and vaccination rules. Russia pivoted again this week toward tighter lockdowns as reports of new cases and Covid-19 deaths climbed.

Reported cases are up 33 percent over the last two weeks, reaching more than 32,400, according to a New York Times database . And on average over the past week, 983 people a day died from the coronavirus ; on some days that number exceeded 1,000. Only Russian-made coronavirus vaccines are available in the country, and many people are hesitant to get them. Russia’s vaccination rate of 33 percent of the population is lower than the global average of 37 percent and far behind the rates in most of Europe.

To combat the surge in cases and deaths, President Vladimir V. Putin on Wednesday declared a countrywide “nonworking” week from Oct. 30 to Nov. 7 , extending a regular fall holiday by several days. The restrictions the city of Moscow announced on Thursday were even stricter.

Mayor Sergey Sobyanin ordered schools and nonessential businesses to close two days sooner, starting on Oct. 28. He said in a statement posted online that the spread of the virus had gone “by the worst scenario” and that Moscow would soon be setting daily records for new cases.

Early in the pandemic, Moscow locked down more strictly than many Western countries did. Residents were prohibited from leaving their apartments other than to shop at grocery stores or pharmacies, attend medical appointments or walk their dogs.

The city also lifted many restrictions this year before other European countries did on a wide scale, a move that became a point of pride. Mr. Putin contrasted Moscow’s bustling restaurants with the continuing lockdowns abroad.

Over the summer, Moscow imposed, but then dropped, a requirement that patrons be vaccinated to eat in some restaurants or to visit bars. Enforcement of mask-wearing rules in Russia is generally lax.

Andrew E. Kramer is a reporter based in the Moscow bureau. He was part of a team that won the 2017 Pulitzer Prize in International Reporting for a series on Russia’s covert projection of power. More about Andrew E. Kramer

IMAGES

  1. COVID-19 Trip Interruption Insurance for Employee Travel

    travel interruption insurance covid

  2. Travel Insurance Guide in COVID-19 times

    travel interruption insurance covid

  3. Employee Travel Interruption Protection

    travel interruption insurance covid

  4. What does travel insurance cover?

    travel interruption insurance covid

  5. COVID-19 Travel Health Insurance: How to be Covered?

    travel interruption insurance covid

  6. Travel under COVID-19

    travel interruption insurance covid

COMMENTS

  1. The 5 Best COVID-19 Travel Insurance Options for 2023

    The 5 Best COVID-19 Travel Insurance Options for 2023 By Holly Johnson | Updated: Aug. 25, 2023 | Best Optional Coverage Add-ons Travelex Insurance Services » 4.8 U.S. News Rating More...

  2. Understanding Travel Insurance Coverage For Covid Test ...

    Covid Tests and Travel Insurance The recent surge in Covid cases is causing a shortage of Covid tests, delayed results and changes in testing rules for travelers. It's important to be...

  3. What Travel Insurance Covers COVID Quarantine?

    Is There Travel Insurance That Covers COVID Quarantine? You may need to quarantine before returning the U.S., and travel insurance can protect your out-of-pocket expenses. By Carissa...

  4. Trip Interruption Insurance Explained

    Importantly, trip interruption also applies if your trip is cut short due to a covered COVID-related medical reason. Because trip interruption insurance kicks in after your trip has begun,...

  5. Best Covid-19 Travel Insurance Plans Of 2024

    The best Covid-19 travel insurance plans typically have generous benefits of at least $100,000 in medical expense coverage, $250,000 in medical evacuation coverage and offer "cancel for any...

  6. Best COVID-19 Travel Insurance in January 2024

    This is the shortlist of the best travel insurance for COVID options: Berkshire Hathaway Travel Protection. IMG. John Hancock Insurance Agency, Inc. Seven Corners. Travelex Insurance Services ...

  7. Trip Interruption Benefit

    If your plan includes Trip Interruption benefits and the Epidemic Coverage Endorsement, then your Trip Interruption benefits can apply if, for example, you or a traveling companion are diagnosed with COVID-19 during your trip, or if you're individually ordered to quarantine before or during your trip because you were exposed to an epidemic disea...

  8. Travel Insurance and COVID-19: The Epidemic Coverage Endorsement

    If your destination requires proof of travel insurance with COVID-19-related benefits, please call us at 1-866-884-3556. We can provide a summary letter of plan benefits.

  9. Best Covid-19 Travel Insurance of 2024

    Best Covid-19 travel insurance. Best overall: AXA Travel Insurance. Runner up: Nationwide Travel Insurance. Best for luxury travel: Berkshire Hathaway Travel Protection. Best for cancel for any ...

  10. Best COVID Travel Insurance of 2024

    What you should know. WorldTrips has two COVID travel insurance plans that tie with 4.5 stars: Atlas Journey Preferred and Atlas Journey Premier. The Preferred plan is more affordable and provides ...

  11. Trip Interruption Insurance: Travel Insurance If You Have To ...

    Trip interruption insurance covers non-refundable travel expenses—such as flights and hotels— if your trip is interrupted for a reason covered by a policy. Expenses that can be covered...

  12. Coronavirus & Travel Insurance

    On January 21, 2020, the Coronavirus disease 2019 (COVID-19) became a named event, which affects the travel insurance coverage available for new policies purchased. For those purchasing travel insurance AFTER 1/21/2020 (exceptions may apply if traveling to a country with a Travel Health Notice issued by the CDC) benefits included in ...

  13. What You Need to Know Now About Travel Insurance

    When the pandemic struck, many travel insurance policies failed to cover Covid-19-related trip interruptions and cancellations, often because they excluded pandemics. But in the intervening...

  14. Be careful: Avoiding outbreaks isn't covered by most travel insurance

    Trip cancellation and interruption insurance may provide reimbursement up to a specified amount per person per trip for eligible travel expenses or arrangements that must be canceled or interrupted. However, policies vary on the definition of eligible reasons for canceling or postponing a trip and the types of expenses reimbursed.

  15. Covid-19 Travel Insurance

    Travel Insurance to Meet COVID-19 Concerns. There are several ways a positive COVID-19 test can negatively impact your travel plans both before and during your travels, which makes having a travel protection plan in place critical. ... Trip Interruption for Any Reason** Optional Upgrade - 75% of the Trip Cost Insured: Cancel for Any Reason*** ...

  16. Best Travel Medical Insurance of 2024

    Covered benefits you should know about include: Up to $1,000,000 of maximum coverage. Up to $1,000,000 for emergency medical evacuation. Up to $10,000 for trip interruptions. Up to $1,000 for lost ...

  17. 'Interruption For Any Reason' Travel Insurance

    Standard trip interruption insurance can compensate you for missed parts of a trip if you must quarantine due to a positive Covid test—assuming your travel insurance policy includes Covid coverage.

  18. Travel Insurance

    Trip interruption coverage provides reimbursement for additional expenses incurred if a trip is cut short, ... Travel Insurance and COVID-19.

  19. How to Find Travel Insurance That Covers COVID

    Travel insurance comparison site Squaremouth (a NerdWallet partner) is one of the very few comparison sites that allows you to filter by policies that offer coronavirus coverage. To find a policy ...

  20. Track Covid-19 in Idaho

    The number of Covid patients in hospitals is an indicator of Covid's ongoing impact on hospitals and I.C.U.s. Test positivity rates are reported less consistently, but can show how infections ...

  21. Best COVID-19 Travel Insurance Companies of 2024

    HTH Travel Insurance doesn't outline specific COVID-19 policy features on its website but offers three tiers of trip protection with travel interruption, delay and cancellation protection for ...

  22. Does Travel Insurance Cover COVID?

    While we can give general guidance as to most travel insurance plans, it is in your best interest to give your insurance provider a call to verify whether a given policy will cover...

  23. A Coronavirus Mystery Explained: Moscow Has 1,700 Extra Deaths

    Evgenia Novozhenina/Reuters. MOSCOW — Ever since the coronavirus took hold globally, researchers have been puzzled by Russia's mortality rate of only about 13 deaths per million, far below the ...

  24. As deaths rise, Russian doctors despair at low vaccine rate

    Russia hit another daily record of coronavirus deaths Tuesday as rapidly surging infection rates raised pressure on the country's health care system and prompted the government to suggest declaring a nonworking week. Medics blame the country's quickly mounting infections and deaths on a slow vaccine uptake.

  25. With Covid Cases Rising, Moscow's Mayor Announces Lockdown

    A patient arriving at a Covid-focused hospital in Moscow last week. On Thursday, the city announced a return to some of the tightest restrictions in a year, including closing shops and restaurants.