Travel Insurance Coverage for Covid-19

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

Country Travel Insurance Requirements

Countries Requiring Travel Insurance for COVID-19

In an effort to encourage tourism, while protecting travelers, several countries now require foreign visitors to purchase a travel insurance policy prior to their arrival.

The benefit requirements vary by country, and are intended to cover travelers who contract Covid-19 while at their destination, requiring medical care and/or quarantine.

View a list of all countries requiring travel insurance for Covid-19.

Search Covid-19 Travel Insurance Requirements by Destination

Travelers can use this dropdown to find a breakdown for each country’s required benefits, as well as our expert recommendations.

Squaremouth’s team researches and updates 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 specific requirements.

Have Questions?

Please contact our award-winning customer service team at 1-800-240-0369 for assistance. We are available between 8AM and 10PM ET daily.

Guide to Buying a Travel Insurance Policy for Covid-19 Coverage

Cancellation Coverage for COVID-19

Most travel insurance providers on Squaremouth.com include Cancellation coverage under their standard Trip Cancellation policies for travelers who contract the Coronavirus, have a doctor-ordered quarantine, or whose family member contracts the Coronavirus and require their care.

This coverage is part of the Trip Cancellation and Trip Interruption benefits, and can provide reimbursement for prepaid and non-refundable trip payments if a trip is canceled or interrupted due to a traveler contracting the virus. Most of these policies are comprehensive, and will also include Medical and Medical Evacuation benefits, among others.

In order for Cancellation coverage for contracting the Coronavirus to be available, the traveler must be healthy when they purchase their policy.

When you create a travel insurance search on Squaremouth.com, you will see a benefit labeled “Cancel for Covid-19 Sickness”. This will indicate each policy’s cancellation coverage for contracting Covid-19.

Travelers can search for a policy with Cancellation coverage for contracting Covid-19 here.

Search for a policy with Covid-19 coverage

*This search will include Squaremouth’s “Coronavirus Pandemic” filter, and will only show policies which include Cancellation coverage for contracting Covid-19.

Cancel For Any Reason Coverage

Many of the Covid-related travel impacts are not covered under a standard Trip Cancellation policy, including border closures, quarantine restrictions, negative test requirements, and general fear of traveling.

For these and most other situations related to Covid-19, the only applicable coverage falls under the Cancel For Any Reason benefit.

Cancel For Any Reason is an upgrade that reimburses up to 75% of the insured trip cost, and typically increases the premium by roughly 40-50%. This is a time-sensitive upgrade, and is usually only available within 14-21 days of the first trip payment.

In order to be eligible for the Cancel For Any Reason benefit, you must also insure 100% of your prepaid and non-refundable trip costs, and must cancel your trip at least 2 days prior to your departure.

Travelers can search for a policy with Cancel For Any Reason coverage here.

Search for a policy with Cancel For Any Reason coverage

*This search will include Squaremouth’s “Cancel For Any Reason” filter, and will only show policies which include this coverage.

Medical Coverage for Covid-19

Most travel insurance providers on Squaremouth.com include Medical and Medical Evacuation coverage for travelers who contract the Coronavirus during their trip and require medical attention.

Squaremouth recommends a minimum of $50,000 in Emergency Medical coverage to account for Coronavirus related medical care. Medical Evacuation coverage can provide transportation to the nearest adequate hospital if a traveler contracts the Coronavirus during their trip. If the treating physician determines they should return home to receive further medical attention, this benefit can also cover those transportation expenses. Squaremouth recommends a minimum of $100,000 in Medical Evacuation coverage to account for potentially high evacuation expenses.

Some travel suppliers require a specific amount of Medical and Medical Evacuation coverage, to include Carnival, Royal Caribbean, and Disney cruise lines. Most policies on Squaremouth.com meet these limits, however we recommend confirming your policy meets any specific requirements based on your trip.

In order for Medical coverage for contracting the Coronavirus to be available, the traveler must be healthy when they purchase their policy.

Travelers can search for a policy with Medical coverage for contracting Covid-19 here.

Search for a policy with Covid-19 coverage

*This search will include Squaremouth’s “Coronavirus Pandemic” filter, and will only show policies which include Cancellation coverage for contracting Covid-19.

Coverage Guide for Travelers Who Have a Travel Insurance Policy

Most travel insurance policies include Cancellation and Medical coverage for contracting the Coronavirus, or being ordered to quarantine, as long as the traveler was healthy at the time the policy was purchased.

Based on the scenario, applicable benefits may be applicable, including Trip Interruption and Travel Delay, for travelers who contract the virus while traveling, are quarantined, and in some cases, unable to return home when planned.

Please refer the following coverage scenarios if you already have a travel insurance policy:

  • Most policies provide Trip Cancellation or Trip Interruption coverage if you contract the coronavirus and are unable to travel.
  • Most policies provide Trip Cancellation or Trip Interruption coverage if you are ordered to quarantine by a physician due to exposure to the Coronavirus.
  • Most policies provide Emergency Medical and Medical Evacuation coverage if you contract the virus while traveling.
  • Select policies may provide Cancellation coverage if the CDC issues a Level 4 travel warning to avoid non-essential travel to a destination, as long as that destination is on your itinerary, and your policy was purchased prior to the date the country was added to the CDC list.
  • Some policies provide Travel Delay and Trip Interruption coverage if you contract Covid-19 during your trip and are quarantined, including if you are unable to return home as scheduled.
  • Only policies with Cancel For Any Reason will provide coverage for canceling due to extended border closures, quarantine or negative test requirements at your destination, and concerns about the Delta variant.

Squaremouth recommends contacting your travel insurance provider to understand your specific policy’s coverage: Find your provider's contact information here.

Which Providers Offer Coverage for Covid-19?

Certain policies from the following providers offer Cancel for Covid-19 Sickness coverage:

  • April Travel Protection
  • AXA Assistance USA
  • battleface
  • Berkshire Hathaway Travel Protection
  • Cat 70
  • Generali Global Assistance
  • HTH Travel Insurance
  • iTravelInsured
  • John Hancock Insurance Agency, Inc.
  • Nationwide Mutual Insurance Company
  • Seven Corners Inc
  • Tin Leg
  • Travel Insured International
  • Travelex Insurance Services
  • TravelSafe
  • Trawick International
  • USI Affinity Travel Insurance Services

Certain policies from the following providers offer Medical Coverage for Covid-19:

  • April Travel Protection
  • AXA Assistance USA
  • battleface
  • Berkshire Hathaway Travel Protection
  • Cat 70
  • Generali Global Assistance
  • GeoBlue
  • Global Underwriters
  • HTH Travel Insurance
  • iTravelInsured
  • John Hancock Insurance Agency, Inc.
  • Nationwide Mutual Insurance Company
  • Seven Corners Inc
  • Tin Leg
  • Travel Insured International
  • Travelex Insurance Services
  • TravelSafe
  • Trawick International
  • USI Affinity Travel Insurance Services
  • WorldTrips

Certain policies from the following providers offer Cancel For Any Reason:

  • April Travel Protection
  • Arch RoamRight
  • AXA Assistance USA
  • battleface
  • Berkshire Hathaway Travel Protection
  • Cat 70
  • Generali Global Assistance
  • HTH Travel Insurance
  • iTravelInsured
  • John Hancock Insurance Agency, Inc.
  • Nationwide Mutual Insurance Company
  • Seven Corners Inc
  • Tin Leg
  • Travel Insured International
  • Travelex Insurance Services
  • TravelSafe
  • Trawick International
  • USI Affinity Travel Insurance Services

If you already have a policy and have any questions for your travel insurance provider or would like to file a claim, please contact your provider directly. Click here to find your provider’s contact information.

Buy Travel Insurance for Covid-19

The Covid-19 pandemic has completely changed the travel industry from top to bottom. It’s more important than ever for
travelers to be prepared. If you are concerned about Covid-19 impacting your trip, here are some tips:

  • Most of our standard travel insurance policies can cover contracting Covid-19
  • The Trip Cancellation benefit can reimburse your prepaid expenses if you contract the virus before your trip
  • The Cancel For Any Reason benefit offers the broadest coverage for other Covid-related concerns
  • The Emergency Medical benefit can cover your medical expenses if you contract the virus on your trip
  • The Travel Delay benefit may cover the cost of your quarantine if you contract the virus during your trip
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All policies provide worldwide coverage unless stated prior to purchase.
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Have Questions?

Please contact our award-winning customer service team at 1-800-240-0369 for assistance. We are available between 8AM and 10PM ET daily.

Covid-19 and Travel Insurance FAQs

Here are some of the most frequently asked Covid-19 related questions from travelers like you.

Does Cancel For Any Reason cover Covid-19?

Cancel For Any Reason can provide cancellation coverage for any situations related to coronavirus that are not otherwise covered by a standard travel insurance policy, including fear of traveling, border closures, or travel bans.

Cancel For Any Reason is a time-sensitive benefit and that can typically only be purchased within 14-21 days of the first trip booking. However, if you are cruising, select policies offer 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.

Can I be covered to cancel my trip if I contract Covid-19?

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.

As some providers consider the coronavirus pandemic to be a foreseen event, Cancel for Covid-19 Sickness is only available within a few Trip Cancellation policies.

Click here to search for policies that may cover contracting coronavirus

Can I cancel my trip because of a CDC Alert?

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.

Will my coverage extend if I’m stuck overseas due to a positive COVID-19 test?

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 up to 7 days after your scheduled return date, however the maximum number of days can vary.

The coverage that may apply in this situation varies depending on whether or not you are hospitalized.

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.

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 or until you are cleared to return home, whichever takes place first.

What should I look for in my policy if I want coverage for Covid-19?

Coronavirus Medical coverage is included within some policies under the Emergency Medical benefit. This benefit is designed to cover treatment specifically for travelers who unexpectedly contract the coronavirus while traveling.

The Coronavirus Cancellation benefit can provide reimbursement for prepaid, non-refundable trip costs if you contract coronavirus and cannot travel as planned. Coronavirus Cancellation is included within some policies under the Trip Cancellation and Trip Interruption benefits. In order for coverage to apply, you must be medically fit to travel when you purchase their policy.

As the Covid-19 pandemic is considered a known event by many travel insurance providers, Trip Cancellation and Emergency Medical benefits relating to the coronavirus outbreak are only available from select travel insurance providers.

Can I be covered for medical expenses if I contract Covid-19 during my trip?

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.

Click here to search for policies that may cover contracting coronavirus

What can I do with my policy if my trip was canceled because of Covid-19?

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.

Am I covered if I test positive and cannot return home to the US?

If you are unable to travel home due to the CDC regulation because you contracted the coronavirus while overseas, you may be covered under your policy's Trip Delay benefit, depending on your policy.

In the event you are hospitalized, you may also be covered by your policy's Emergency Medical benefit. This benefit can cover the cost incurred for treatment related to the coronavirus, including hospital charges and physician services.

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 the policy or until you are cleared to return home, whichever takes place first.

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