I’m Searching for a New Policy

There is limited coverage still available for the coronavirus pandemic and subsequent European travel ban. Travelers may buy a new policy with coverage in the event they are forced to cancel for medical reasons or economic reasons. Otherwise, the Cancel For Any Reason upgrade may be available for recently purchased trips.

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I Already Have a Policy

There is limited coverage for the coronavirus pandemic on existing policies that were purchased before the outbreak began. Only benefits for specific instances, such as contracting the virus, being physically quarantined, being required to work, or a school year extension, may apply.

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A Letter from Squaremouth to Our Customers

We understand your travel plans may have been impacted by the coronavirus pandemic and subsequent European travel ban. We also know you have questions about how your travel insurance policy may be applied. We are closely monitoring this situation and are happy to help!

Read Our Letter

Last Updated:


Buying Guide for Travelers Looking for a New Policy


Cancellation Benefits Limited, But Still Available

The coronavirus pandemic is considered a foreseen event by most travel insurance providers, meaning there are limited, if any, benefits available relating to the outbreak.

In most cases, traveler insurance providers assign a specific date to when they consider an event having a foreseeable impact on travel. For the coronavirus outbreak, this date ranges between January 21st and 27th, depending on a provider’s threshold for when an event is considered known to the public. Once an event is considered foreseen, Trip Cancellation benefits can no longer be purchased for that event.

However, certain providers have not assigned a foreseen date to the coronavirus pandemic, and may still provide Trip Cancellation benefits for the coronavirus outbreak.

Cancellation Benefits for Health Related Reasons

Some travel insurance providers do not consider contracting an illness as foreseen, even during a global pandemic like the coronavirus outbreak. In this case, Trip Cancellation benefits can still apply if a traveler contracts the virus or is physically quarantined.

The following providers may still provide this coverage:

  • April Travel Protection (Pandemic policy)
  • Berkshire Hathaway Travel Protection
  • Tin Leg (Economy, Standard, Luxury, and Adventure policies only)
  • Travelex Insurance Services
  • Trawick International

Click Here to View Coronavirus Travel Insurance FAQs

Cancellation Benefits for Economic Reasons

The coronavirus pandemic and subsequent European travel ban has had a harsh impact on the economy, causing concern that airlines or travel suppliers may not survive, and forcing many people to alter their travel plans for job-related reasons.

Unfortunately, canceling due to a travel supplier canceling your trip amid the travel ban is generally not covered. However, there are situations where some travel insurance coverage still applies. This includes the following benefits:

  • The Financial Default benefit can reimburse your prepaid and non-refundable trip expenses if your travel supplier suspends services due to financial circumstances. This is a time-sensitive benefit that may be included in your policy if you purchased within 10-21 days of booking your trip.
  • The Cancel For Work Reasons benefit can reimburse your prepaid and non-refundable trip expenses if you need to cancel because your pre-approved vacation time is revoked due to an obligation to work. This must be documented by your employer.
  • The Employment Layoff benefit can reimburse your prepaid and non-refundable trip expenses if you must cancel following an involuntary layoff or termination of employment. Typically, it is required that you have worked for the same employer 1-3 years, depending on the policy.

These benefits are only available within some travel insurance policies, and terms of coverage vary by provider. In the event one of the above situations impacts your travel plans, we recommend contacting your travel insurance provider directly for clarification.

Click Here to View Coronavirus Travel Insurance FAQs

The Cancel For Any Reason Upgrade

For all other situations related to the coronavirus pandemic, the only cancellation option that may still be available for travelers is a policy with the Cancel For Any Reason upgrade.

Cancel For Any Reason is a time-sensitive upgrade. Most policies with this benefit can only be purchased within 14-21 days of the first payment towards the trip. However, if you are taking a cruise, select cruise only policies offer Cancel For Any Reason anytime before you’ve made your final 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. This benefit reimburses up to 75% of the insured trip cost.

Cancel For Any Reason typically costs roughly 40% more than a standard cancellation-style policy. However it reimburses a majority of your trip expenses if you cancel your trip for a reason not otherwise covered by your policy, such as not wanting to travel due to risk of contacting the coronavirus.

Squaremouth has added a feature to help travelers who are concerned about the coronavirus search for policies that can cover the outbreak. After entering their trip information on squaremouth.com, travelers will see an alert message with an option to search only for policies that can provide some coverage for the coronavirus, including relevant policies with Trip Cancellation, Cancel For Any Reason, or Emergency Medical benefits that are still available.

Start a search for policies that may cover the coronavirus


Medical Benefits

Some travel insurance providers are still offering medical benefits, including Emergency Medical and Medical Evacuation, for the coronavirus pandemic. These benefits only apply to travelers who contract the coronavirus during their trip.

Medical coverage varies per travel insurance provider. Below are the providers that may still provide medical benefits for newly purchased policies:

  • April Travel Protection (Pandemic policy)
  • AXA Assistance USA
  • Berkshire Hathaway Travel Protection
  • Tin Leg (Economy, Standard, Luxury, and Adventure policies only)
  • Travelex Insurance Services
  • Trawick International

In addition to the providers above, others are only covering medical expenses related to the coronavirus to insureds who bought a policy prior to the outbreak.

Start a search for policies that may cover the coronavirus

*Please note: This coverage varies by policy and provider. If you are looking for medical coverage for the coronavirus, we recommend contacting a provider directly to clarify their coverage.


Other Travel Insurance Benefits

Additional travel insurance benefits may be included within your policy and could provide coverage in the event the coronavirus impacts your trip. This may include Travel Delay and Missed Connection coverage for any delay of a common carrier, and coverage for Baggage Delay or Baggage & Personal Items Loss.

*Please note: This coverage varies by policy and provider. If you are looking for coverage for the coronavirus, we recommend contacting a provider directly to clarify their coverage.

Click Here to View Coronavirus Travel Insurance FAQs

Coverage Guide for Travelers Who Already Have a Policy

We request travel insurance position statements from all of our providers. To view your provider’s specific coverage for the coronavirus, please click here to view all coronavirus outbreak provider position statements.

While the coronavirus – officially named COVID-19 – is impacting travel on a global scale, this specific situation is not listed as a covered event under most travel insurance policies.

In order for a traveler to be eligible for travel insurance benefits, the event that impacts their trip must be specifically listed in their policy as a “covered” event. Viral outbreaks, epidemics, and pandemics, typically are not listed. Moreso, canceling a trip for fear or concern over health and safety is never listed under a standard trip cancellation policy.

Based on the responses we’ve received, below is a breakdown of the coverage scenarios that may be available if you already have a policy:

  • Some policies may provide Trip Cancellation or Trip Interruption coverage if you contract the coronavirus and are unable to travel.
  • Some policies may provide Trip Cancellation or Trip Interruption coverage if you are physically quarantined due to the coronavirus, as long as you purchased prior to the date your provider considered the outbreak foreseen.
  • Select policies can cover you to cancel your trip if the CDC issues a travel warning telling travelers to avoid non-essential travel to a destination, as long as that destination is on your trip itinerary, and you purchased prior to the date your provider considered the outbreak foreseen.
  • You may be covered for medical expenses if you contract the virus while traveling. Some providers do not base this coverage on the foreseeable date, while some others require that you purchased before the event because foreseen. This is handled on a case-by-case basis.
  • Some policies with the Travel Delay and Missed Connection benefits provide coverage for any delay of a common carrier, such as your airline. If your policy includes this coverage, you may be covered for food and accommodation expenses during the delay.

If you have already purchased a policy and have specific questions about coverage, we recommend contacting your provider directly.

  • If your trip has been canceled due to the travel ban or you decide you don’t want to travel during the outbreak, this is not a covered event within travel insurance policies. However, most providers allow you to repurpose your policy for a trip at a later date.
  • If you determine your policy does not have the coverage you need, you may be able to cancel the policy for a full refund, as long as you are within the 10-14 day Money Back Guarantee period.*
    *Due to state regulations, this coverage may vary based on your state of residency

To contact your provider, click here access their contact information.

Coronavirus Travel Insurance FAQs


What if I’m afraid to travel as the coronavirus outbreak worsens?

Unfortunately, fear of traveling is never a covered reason to cancel a trip for a refund under standard travel insurance policies.

The only time a travel insurance policy can cover you to cancel because you’re afraid of traveling due to the rapidly spreading coronavirus is if you purchased the Cancel For Any Reason upgrade. This benefit partially reimburses you to cancel your trip for a reason that is not otherwise covered, such as fear of traveling.

This is a time-sensitive upgrade. Most policies with Cancel For Any Reason can only be purchased within 14-21 days of the first payment towards the trip. However, if you are taking a cruise, select cruise only policies offer Cancel For Any Reason anytime before you’ve made your final trip payment.

In order to be eligible for the Cancel For Any Reason benefit, you must insure your entire trip cost. In order to cancel under this benefit, you must cancel your trip in its entirety at least 2 days before your scheduled departure date. This benefit can reimburse up to 75% of your trip cost, and typically increases a policy’s premium by about 40%.

Start a search for policies that may cover the coronavirus


Can I cancel my trip because of a CDC 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 be able to cancel due to a CDC alert.

Cancel For Any Reason allows you to cancel for a reason that is not otherwise covered by your policy. This is a time-sensitive upgrade. Most policies with Cancel For Any Reason can only be purchased within 14-21 days of the first payment towards the trip. However, if you are taking a cruise, select cruise only policies offer Cancel For Any Reason anytime before you’ve made your final trip payment.

Cancel For Any Reason only reimburses up to 75% of your trip costs and requires you to cancel the trip at least 2-3 days before your departure date. This upgrade usually increases a policy’s premium by about 40%.


Am I covered if I contract the coronavirus while traveling?

You may be covered by travel insurance if you contract the coronavirus during your trip.

If you become infected with the coronavirus while traveling, you should contact your provider’s 24-hour Emergency Assistance department as soon as reasonably possible. Depending on your policy, Emergency Medical and Medical Evacuation benefits may be available to you.

The Emergency Medical benefit covers medical expenses if a traveler becomes unexpectedly ill while on their trip. The Medical Evacuation covers transportation costs to the nearest adequate medical facility, as well as transportation home if the treating physician deems it necessary.

It is important to contact Emergency Assistance as soon as possible so your travel insurance provider can begin working with you on your situation, including explaining coverage and arranging medical care. On a case-by-case basis, your travel insurance provider may pre-certify medical payments for your hospital stay and treatment, as well as any necessary transportation.


Am I covered if I’m quarantined due to the coronavirus outbreak?

You may have coverage within your travel insurance policy if you are quarantined due to the coronavirus outbreak.

Many travel insurance policies offer coverage for Trip Cancellation and Trip Interruption due to you or your traveling companion being quarantined, as long as you purchased your policy before the coronavirus became a known event. Most providers consider Jan. 21 or 22 to be the date the coronavirus became a known event. However, you can also be covered if you become quarantined if your provider has not assigned a specific foreseen date to the outbreak.

If you are forced to cancel your trip outright due to a quarantine, coverage may be available under the Trip Cancellation benefit. If a quarantine affects your trip, Trip Interruption coverage may be available to cover the cost to catch up to your trip once the quarantine has been lifted.

Policies that offer this type of coverage will list “Quarantine” as a covered reason under the policy’s Trip Cancellation and Trip Interruption benefits.


Am I covered if my airline declares bankruptcy due to the coronavirus travel ban?

You may be covered by the Financial Default benefit if your airline, or other travel supplier, complete suspends operations for financial circumstances.

The Financial Default benefit is included within some travel insurance policies to reimburse your prepaid and non-refundable trip expenses if your travel supplier suspends services due to financial circumstances, whether or not bankruptcy is filed. This is a time-sensitive benefit that may be included within your policy if you purchased within 10-21 days of making your initial trip deposit.


Amid the Level 4 Travel Alert, can I still book future trips?

On March 19, the U.S. State Department issued a Level 4: Do Not Travel advisory, the highest possible level of travel advisory, advising U.S. citizens to avoid all international travel due to the impact of the coronavirus pandemic. 

During this time, travelers are still able to book future trips for travel outside of the travel ban, although it remains unclear how long the Level 4 Alert will last.

If you book a future trip, or already have a future trip booked, and it is canceled due to the travel ban, standard travel insurance coverage is not available. In the event of a travel ban or a travel supplier canceling a trip, only policies with the Cancel For Any Reason upgrade can partially reimburse travelers who need to cancel.

However, many travel suppliers are offering refunds or credits during this time. If you book a future trip and it is canceled, your travel insurance provider will typically allow you to modify your policy to cover a future trip. If the trip is just rescheduled, you can also update your policy to cover the new travel dates.


Am I covered to cancel my trip if I have job issues because of the coronavirus?

Yes, you may be covered to cancel your trip if your job is impacted by the coronavirus pandemic.

There are two travel insurance benefits that may provide coverage for travelers whose jobs are affected by the coronavirus: Cancel For Work Reasons and Employment Layoff. These benefits are included within some policies as part of their Trip Cancellation coverage.

The Cancel For Work Reasons benefit can reimburse your prepaid and non-refundable trip expenses if you need to cancel because your pre-approved vacation time is revoked due to an obligation to work. This must be documented by your employer.

The Employment Layoff benefit can reimburse your prepaid and non-refundable trip expenses if you must cancel following an involuntary layoff or termination of employment. Typically, it is required that you have worked for the same employer 1-3 years, depending on the policy.


As the coronavirus spreads, can I buy coverage for a country that is not yet affected?

The coronavirus outbreak continues to spread, infecting people in more than 100 countries. You may still be able to purchase a new policy with coverage for the coronavirus outbreak. However, coverage is limited, as most providers consider the outbreak a foreseen event, and travel insurance policies are designed to cover unforeseen events.

The following providers have not assigned a foreseen date to the coronavirus outbreak, and can still provide Trip Cancellation coverage to travelers who contract the virus or become quarantined:

  • April Travel Protection (Pandemic policy)
  • Berkshire Hathaway Travel Protection
  • Tin Leg (Economy, Standard, Luxury, and Adventure policies only)
  • Travelex Insurance Services
  • Trawick International

Medical coverage also varies per travel insurance provider. Below are the providers that are still providing medical benefits for newly purchased policies:

  • April Travel Protection (Pandemic policy)
  • AXA Assistance USA
  • Berkshire Hathaway Travel Protection
  • Tin Leg (Economy, Standard, Luxury, and Adventure policies only)
  • Travelex Insurance Services
  • Trawick International

Due to the widespread and well-publicized nature of the coronavirus, it is now considered a known event, meaning it is too late to buy a policy that can cover you to cancel if the outbreak spreads into your destination country.

While coverage for the coronavirus is no longer available, if you purchase a policy today, it can still provide cancellation benefits for other unforeseen events. This can include an illness or injury, severe weather, or terrorist attack that prevents you from traveling.


What if I miss my flight due to coronavirus screenings at the airport?

Travel insurance will not cover you if you miss your flight due to extra screenings at the airport for the coronavirus.

Many airports are screening travelers for signs of the coronavirus. However, travel insurance does not cover delays or missed flights caused by these screenings or security delays.

In order for a missed flight to be covered by travel insurance, it must be for a reason listed under your policy’s Travel Delay coverage. The most common covered reasons for Travel Delay are inclement weather or a mechanical breakdown of a common carrier. While some policies cover any delay of a common carrier, missing your flight because you were stuck at a security checkpoint due to screening for the coronavirus is not considered a common carrier delay.

Coronavirus Outbreak Travel Insurance Information Center


Squaremouth launched the Coronavirus Pandemic Travel Insurance Information Center to explain coverage for the virus outbreak. This page is regularly updated by Squaremouth’s travel insurance experts, and includes answers to frequently asked questions as well as official statements from providers.