Best Travel Insurance Plans with COVID-19 Coverage
While several plans stand out for their COVID-19 coverage, these plans also offer protection for trip cancellations, interruptions, and other medical expenses, along with competitive pricing.
See a complete breakdown of these plans and more in our full review of the Best Travel Insurance Companies of 2025.
Does Travel Insurance Cover Covid-19?
The Covid-19 pandemic at one point brought the travel industry to a near halt, impacting virtually every traveler worldwide. With that, travel insurance companies faced a never-before-seen situation. Now, Covid is treated like other illnesses and is covered by most travel insurance policies.
International Covid Insurance Requirements
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.
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.
Guide to Buying the Best Travel Insurance for Covid-19
Cancellation Coverage for COVID-19Most 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 quote 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. Start a Quote
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. Start a Quote
Most providers on Squaremouth.com offer medical travel insurance for travelers who contract Covid-19 during their trip and require medical attention, including Emergency Medical and Medical Evacuation coverage. Squaremouth recommends a minimum of $50,000 in Emergency Medical coverage to account for Covid-19 related medical care.
Medical Evacuation coverage can provide transportation to the nearest adequate hospital if a traveler contracts Covid-19 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 and cruise lines require a specific amount of Emergency Medical and Medical Evacuation coverage. This trip insurance requirement varies depending on the trip, but is most common on cruise lines departing from Florida, cruises stopping at countries with travel insurance requirements, or cruises through cruise lines with specific requirements. 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 travel health insurance to be available for travelers who contract Covid-19, they must be healthy when they purchase their policy.
Travelers can search for a policy with Cancel For Any Reason coverage here. Start a Quote
Which Travel Insurance Companies Cover Covid-19?
Certain policies from the following providers offer Cancel for Covid-19 Sickness coverage:
- Aegis
- Arch RoamRight
- AXA Assistance USA
- battleface
- Berkshire Hathaway Travel Protection
- Detour Insurance
- Generali Global Assistance
- HTH Travel Insurance
- IMG
- John Hancock Insurance Agency, Inc.
- Nationwide Mutual Insurance Company
- SafeTrip by UnitedHealthcare Global
- Seven Corners
- Tin Leg
- Travel Insured International
- Travelex Insurance Services
- Trawick International
- USI Affinity Travel Insurance Services
- WorldTrips
Certain policies from the following providers offer Medical Coverage for Covid-19:
- Aegis
- Arch RoamRight
- AXA Assistance USA
- battleface
- Berkshire Hathaway Travel Protection
- Blue Cross Blue Shield Global Solutions
- Detour Insurance
- Generali Global Assistance
- HTH Travel Insurance
- IMG
- John Hancock Insurance Agency, Inc.
- Nationwide Mutual Insurance Company
- SafeTrip by UnitedHealthcare Global
- Seven Corners
- Tin Leg
- Travel Insured International
- Travelex Insurance Services
- Trawick International
- USI Affinity Travel Insurance Services
- WorldTrips
Certain policies from the following providers offer Cancel For Any Reason:
- Aegis
- AXA Assistance USA
- battleface
- Berkshire Hathaway Travel Protection
- Generali Global Assistance
- HTH Travel Insurance
- IMG
- John Hancock Insurance Agency, Inc.
- Nationwide Mutual Insurance Company
- Seven Corners
- Tin Leg
- Travel Insured International
- Travelex Insurance Services
- USI Affinity Travel Insurance Services
- WorldTrips
If you already have a policy, 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.
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.
- 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.
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
Browse Other Policy Types
Covid-19 and Travel Insurance FAQs
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.
Click here to search for the best travel insurance for Covid-19
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.
Click here to search for policies that may cover contracting coronavirus
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.