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 require travel insurance for Covid-19, including:
Cuba: It’s required that visitors have a non-U.S. medical insurance policy while visiting Cuba. This is sometimes included in airline ticket prices on flights originating in the United States.
Saudi Arabia: All non-resident travelers visiting Saudi Arabia are required to have travel medical insurance covering the risks of coronavirus infection.
Fiji: Travelers arriving to Fiji must show proof of medical insurance that covers COVID-19 related costs.
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 cover travelers that contract Covid-19 on their trip. These policies will typically offer comprehensive benefits that cover the most common pandemic-related concerns, including cancellations, medical emergencies, and travel delays related to Covid-19.
The best travel insurance for Covid-19 will include coverage for the two primary concerns travelers generally look for during a pandemic: cancellation coverage and medical coverage.
The Trip Cancellation benefit can provide reimbursement for prepaid, non-refundable trip costs if you contract Covid and cannot travel as planned. The Emergency Medical benefit is designed to cover treatment expenses for travelers who unexpectedly contract an illness while traveling.
Cancel For Any Reason can provide cancellation coverage for most situations related to the virus that are not otherwise covered by a standard travel insurance policy, such as fear of traveling, border closures, and travel bans. This benefit provides the most possible flexibility when it comes to canceling a trip, but is a time-sensitive benefit that must be purchased within 14-21 days of the first trip booking, depending on the policy.
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.
Most travel policies treat Covid-19 in the same way they treat other illnesses contracted while traveling. For that reason, the cost of Covid travel insurance is the same as a typical travel insurance policy, roughly 5-10% of the total trip cost. However, travelers who decide to buy Cancel For Any Reason for the added flexibility can expect to pay 40-50% more.
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.
Travel medical insurance 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.
Most policies include the Cancel for Covid-19 Sickness benefit, which reimburses travelers who contract the virus for all of their prepaid and non-refundable trip costs. This benefit requires a notice from a licensed physician that proves a positive Covid-19 test. Other Covid-related cancellations that are not otherwise covered by Cancel for Covid-19 Sickness, such as border closures and travel bans, can be covered with a Cancel For Any Reason policy.
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 anywhere from 5 - 10 days, or until you are cleared to return home, whichever takes place first. In this situation, policies can cover the costs of meals and accommodations during the quarantine.
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