Most travel insurance providers on Squaremouth.com provide cancellation and medical benefits for contracting the Coronavirus. For all other Covid-related concerns and impacts on travel, to include border closures, quarantine restrictions, and fear of contracting the virus, Squaremouth recommends a policy with the Cancel For Any Reason upgrade. We also offer several policies that meet coverage requirements imposed by certain countries and travel suppliers, such as cruise lines.Learn more and search for a policy
Most standard travel insurance policies provide Cancellation benefits for travelers who contract the Coronavirus, or are quarantined, prior to their trip. This often includes cancellation due to a family member contracting the virus. Medical and Medical Evacuation benefits are also widely available for travelers who contract Covid-19 while traveling. Travelers who want to cancel for any other reason related to Covid-19, must have purchased the Cancel For Any Reason upgrade in order to have coverage.Learn more and contact your provider
Countries Requiring Travel Insurance for COVID-19
To encourage tourism, while protecting travelers, certain countries now require travel insurance for Covid-19, including:
Philippines: Travelers are required to have a policy that includes $35,000 of Emergency Medical coverage for Covid-19. The policy must be active for the entire duration of their stay.
Indonesia: Travelers are required to have medical coverage for Covid-19, plus a signed statement that they are responsible for any additional medical bills not covered by insurance.
Israel: Travelers must show proof of coverage for Covid-19 medical expenses.
Several other countries also have mandates, and these requirements vary by country. View all countries requiring travel insurance for Covid-19.
Search Covid-19 Travel Insurance Requirements by Destination
Travelers can use this dropdown to view a breakdown for each country’s travel insurance requirements benefits, as well as our expert recommendations to help travelers find the best coverage for their destination.
Squaremouth’s team researches and updates each country’s Covid-19 travel insurance requirements on a regular basis. Due to the evolving nature of the Covid-19 pandemic, we always recommend travelers also check with their destination to confirm their policy meets any specific requirements.
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Here are some of the most frequently asked Covid-19 related questions from travelers like you.
Most travel insurance policies can provide benefits in the event of a pandemic. Typically, these policies will offer coverage for traveler’s most common concerns during a pandemic, with comprehensive benefits built into most policies.
This comprehensive coverage generally includes benefits for cancellations, medical emergencies, and travel delays.
There are two primary concerns that travelers generally look for during a pandemic: cancellation coverage and medical coverage.
In the event of a pandemic, travelers are often concerned that they will be unable to take their trip. The Trip Cancellation benefit can provide reimbursement for prepaid, non-refundable trip costs if you contract an illness and cannot travel as planned. This coverage can also apply to travelers who contract an illness while traveling and must cancel the remainder of their trip.
In addition, travelers are also often concerned about high medical expenses if they get sick while traveling. Most policies include the Emergency Medical benefit, which is designed to cover treatment specifically for travelers who unexpectedly contract an illness while traveling. This benefit can cover expenses such as ambulance services, physician fees, and the cost of staying at a hospital, among other treatment-related charges.
The Cancel for Covid-19 Sickness benefit can provide reimbursement for prepaid, non-refundable trip costs if you contract coronavirus and a licensed physician advises you not to travel. In order for coverage to apply, you must be medically fit to travel when you purchase the policy.
If you contract the virus before your scheduled departure date, Cancel for Covid-19 Sickness can reimburse 100% of your prepaid and non-refundable trip costs. If you contract Covid-19 during your trip, this benefit can reimburse your unused trip expenses, as well as additional transportation expenses you incur to return home.
Most policies with this benefit can cover travelers who contract the virus, including any variant such as the newest Omicron variant, to cancel or interrupt their trip, however coverage for other related impacts is less common. This includes cancellations due to border closures or travel bans. In this case, we recommend a policy with the Cancel For Any Reason upgrade.
Cancel For Any Reason can provide cancellation coverage for most situations related to coronavirus that are not otherwise covered by a standard travel insurance policy. This benefit provides the most possible flexibility when it comes to cancelling a trip. Typically, this includes cancelling due to a fear of traveling, border closures, or travel bans, among others.
Please note that certain policies with Cancel For Any Reason still do not offer coverage if a trip is cancelled by a travel supplier, such as an airline. In this case, we recommend seeking a refund from the airline directly.
Cancel For Any Reason is a time-sensitive benefit that can typically only be purchased within 14-21 days of the first trip booking. Cancel For Any Reason coverage costs about 40%-50% more than a standard policy, and requires you to insure 100% of your pre-paid, non-refundable trip cost. This benefit can reimburse up to 75% of your trip cost if you cancel your trip at least 2 days prior to departure.
The Medical Coverage for Covid-19 benefit can reimburse you for the medical costs incurred if you contract Covid-19 and need medical care during your trip.
Medical Coverage for Covid-19 is included within most policies under the Emergency Medical benefit. This benefit is designed to cover treatment specifically for travelers who unexpectedly contract Covid-19 while traveling. Squaremouth recommends a policy with at least $50,000 in coverage for international travel, and at least $100,000 for cruises or travel to a remote location.
Your coverage may extend if you are stuck overseas due to a positive Covid-19 test that prevents you from flying home. Typically, policies with this coverage can be extended, however the maximum number of days can vary by policy.
The coverage that may apply in this situation varies depending on whether or not you are hospitalized.
If you test positive but do not show any symptoms and are not hospitalized, your policy’s Travel Delay coverage may be extended, depending on the policy. This benefit can cover the costs of meals and accommodations during the extension of your trip while you are quarantined. This coverage may be extended up to the maximum number of days listed by your policy, typically 5 - 10 days, or until you are cleared to return home, whichever takes place first.
If you are hospitalized following a positive test before you fly home, your policy's Emergency Medical benefit may cover the cost of treatment, including hospital charges and physician services. This coverage may be extended after your departure date if you test positive while you are still traveling.
While you are still able to book future trips during a CDC alert, including a Level 4: Do Not Travel advisory, a standard travel insurance policy will likely not provide coverage if your trip is cancelled due to the alert.
Under most standard Trip Cancellation policies, an alert from the Centers for Disease Control and Prevention (CDC) is not a covered reason to cancel a trip, however some providers may offer this coverage.
Typically, a travel alert or warning is not enough to trigger Trip Cancellation coverage. Most policies do not have this coverage, however it can be included by a select few policies. To determine if a policy has Trip Cancellation coverage for a CDC alert, check the list of covered events in the policy's certificate.
If a CDC alert is not specifically listed as a covered event, it is not covered under standard Trip Cancellation. In that case, you would need the Cancel For Any Reason benefit to cancel due to a CDC alert.
If your trip was canceled and you did not incur any penalties, please contact your travel insurance provider directly as soon as possible. Depending on their procedures, they may be able to issue you a voucher for your premium paid or apply your policy to a new trip.
If you choose to apply the policy to a new trip and it causes an increase in premium, the difference will be due upon booking. If the new premium is less expensive, you may receive a refund if you are within the Money Back Guarantee period.
All requests received are treated as exceptions, and a specific outcome can never be guaranteed, but all providers are doing what they can to assist where possible.
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