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