Traveler Information for Covid-19

We understand travelers are facing more challenges than ever before. Our travel insurance experts
regularly share advice and post information on our website to answer traveler’s questions.

Learn about travel insurance for the Covid-19 pandemic, including what coverage is available and recommended for travelers buying a policy now, what coverage may apply to current policyholders, and answers frequently asked questions about coverage.

Visit the Covid-19 Travelers Guide

The Coronavirus Pandemic Travel Insurance Information Center is regularly updated by Squaremouth’s travel insurance experts with official provider position statements, answers to frequently asked questions, and more. Information is subject to change at any time.

Visit COVID-19 Travel Insurance Information Center

Country Restrictions and Requirements

Due to a higher volume of medical bills from foreign travelers, some countries require travel insurance
in order for travelers to gain entry.

Countries Requiring Travel Insurance for COVID-19

Due to the pandemic, some countries have made it a requirement for travelers to buy travel insurance with coverage for the duration of their stay. Most of these countries require medical coverage in the event of an emergency, however some also require coverage for lodging expenses if a quarantine is required.

Find out if your destination requires travel insurance.

Select a country to get destination specific information.

Countries Requiring Travel Insurance (Non-COVID-19 Related)

Even before the pandemic, it had been a growing trend for some countries worldwide to require foreign travelers to have medical insurance to gain entry into the country. This was due to a high volume of unsettled medical bills from tourists. Different benefits and limits are required or recommended for specific destinations.

Find out if your destination requires travel insurance.

Select a country to get destination specific information.

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% 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.

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.

Click here to start a search for policies that may cover contracting coronavirus.

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

The Coronavirus Cancellation 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, Coronavirus Cancellation 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, Coronavirus Cancellation is only available within a few Trip Cancellation policies. Click here to start a 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.

General Travel Tips During the Pandemic

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 travel insurance policies can cover Covid-19
  • Cancellation can reimburse your prepaid and non-refundable trip expenses
  • The Cancel For Any Reason benefit can provide additional flexibility
  • Travel Delay may cover the cost of quarantining during your trip
  • Determine if your destination has any travel insurance requirements
  • Search for a policy with $50,000 in Coronavirus Medical coverage
  • Check to see if your credit card has built-in travel insurance
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All policies provide worldwide coverage unless stated prior to purchase.
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July 13, 2021 — For the first time since the onset of the Covid-19 pandemic, more US travelers are heading to Europe than any other destination. According to travel insurance comparison site, Squaremouth.com, May marked the first month Europe regained its spot as the top destination for US tourists, with 22% of bookings. By June, this rose to nearly 30%, the highest percentage of sales in 13 months.

June 23, 2021 — American travelers are flocking to the Caribbean like never before due to ongoing border closures. Caribbean countries comprise 8 of the top 10 summer travel destinations, according to travel insurance comparison site, Squaremouth.com. However, an influx in travel to hurricane-prone tropical destinations, combined with an above average hurricane season and lingering impacts of the Covid-19 Pandemic, could make for the perfect storm of travel disruptions.

June 15, 2021 — Most travelers who had trips impacted by the Covid-19 pandemic weren’t forced to cancel their trips due to contracting the virus, according to travel insurance comparison site, Squaremouth. sLess than 30% of the Covid-related claims the company saw were due to travelers contracting the virus.