Travel Insurance That Covers COVID-19

Shawn Plummer

CEO, The Annuity Expert

Travel Insurance Guide to COVID-19

The travel insurance industry is in a state of flux. As travel habits change, so does the way travel insurance policies are designed and priced. COVID-19 is one example of an emerging issue that has caused travel insurers to rethink their coverage requirements for trips outside the United States.

Travel insurance companies add covered reasons to select benefits for certain losses related to COVID-19 and any future epidemic.

Your plan may now include reasons related to an epidemic under some or all of the following benefits:

  • Trip Cancellation
  • Trip Interruption
  • Travel Delay
  • Emergency Medical Care
  • Emergency Transportation

Here are a few more important things to know:

  • If you are afraid of getting ill with COVID-19 or if the trip is not safe for you to go on, your travel insurance plan may not cover it.
  • All benefits have limits means that benefits may not cover all of your losses, and you need to know what those are.

Trip Cancellation Due To COVID-19

If you plan to buy a trip cancellation benefit and someone gets sick, you are covered.

If you have to cancel your trip because something happened, like an illness, the Trip Cancellation benefit will reimburse you for up to the maximum coverage amount.

Make sure that your insurance covers COVID-19. If you have a positive COVID-19 test or are diagnosed with this, it will be covered. This is even if the person is not showing symptoms of the virus.

Check with your insurance company to see if you can get coverage for the serious illness of a family member who is not traveling with you. You will be covered if that family member gets COVID-19 (or another epidemic disease) and it is life-threatening, or they need to go to the hospital.

When you buy a plan, only things that are covered by the plan will be covered. If something isn’t included in the plan, it won’t be covered. Benefits can have limits on how much they cover and how much time they last.

Emergency Medical Care Due To COVID-19

Ask the travel insurance company if they will pay for medical care for COVID-19 or another covered illness.

When you’re traveling, it can be hard to get medical treatment. You may need to pay before they will do anything. And they may not accept your U.S. insurance either!

Emergency Medical Transportation Due To COVID-19

If you are diagnosed with COVID-19 while traveling and need an emergency medical evacuation, then emergency transportation coverage can help.

If the insurance company’s doctor thinks that your local hospital can’t help, they will take you to another hospital.

With medical repatriation, the travel insurance can arrange and pay for your transportation home, with you being accommodated (medically) if needed.

Travel Delays Due to COVID-19

If you have a contagious disease, then the airline might not let you on the plane. People with a denied boarding covered reason can get it under the Travel Delay or Trip Interruption benefits.

This reason also applies if your travel companion is not allowed to get on the plane.

If you don’t have proof of a negative COVID-19 test, then your travel delay benefits can’t help you.

You can get reimbursed for the things you buy while delayed when you are going to be late.

If you have an interrupted trip, your Trip Interruption benefits can cover reasonable additional expenses. In addition, they can help with getting another ticket on another airline or for some different accommodation and transportation if you need to stay longer.

If you can’t continue with your trip, then your trip interruption benefits can also reimburse you for the costs of your unused, non-refundable trip.

Trip Interruption Due To Quarantine

If one person is ordered to quarantine because they were exposed to an epidemic disease, that can be a valid reason for a trip interruption.

If you are traveling and need to end the trip early, the travel insurance company may give you money back for the unused part of your travel costs. They may also give you money if you have to stay in a different place or take an extra flight.

Trip Cancellation Due To Quarantine

If you are individually ordered to quarantine before your trip because you were exposed to a disease that Trip Cancellation can cover, then you might be able to cancel your trip. However, some conditions must be met before this can happen.

COVID-19 Travel Insurance Plans

Travel Insurance

Shop and compare travel insurance plans for both domestic and international trips.

Shawn Plummer

CEO, The Annuity Expert

I’m a licensed financial professional focusing on annuities and insurance for more than a decade. My former role was training financial advisors, including for a Fortune Global 500 insurance company. I’ve been featured in Time Magazine, Yahoo! Finance, MSN, SmartAsset, Entrepreneur, Bloomberg, The Simple Dollar, U.S. News and World Report, and Women’s Health Magazine.

The Annuity Expert is an online insurance agency servicing consumers across the United States. My goal is to help you take the guesswork out of retirement planning or find the best insurance coverage at the cheapest rates for you. 

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