COVID-19 Travel Insurance for Coronavirus Coverage
The COVID-19 (coronavirus) pandemic has shaken the world and severely disrupted travel.
Everyone has one question: "Will my travel insurance cover COVID-19?"
Are you tired of having to keep up with warnings from the CDC, the U.S. Department of State, various countries, the World Health Organization, and so on? It is very difficult to understand when and under what circumstances you are really covered.
Before answering that, it is very important to understand that there are primarily two types of travel insurance plans on the market:
Trip Cancellation Insurance
Provides coverage for prepaid trip costs in case you have to cancel your trip due to specified reasons.
When you are on your trip, it also covers situations like trip interruption, emergency medical evacuation, emergency medical, repatriation of remains, lost baggage, and more.
Travel Medical Insurance
Provides short-term medical insurance while you are traveling outside your home country. Other travel-related benefits such as emergency medical evacuation, repatriation of mortal remains, etc., are also covered.
COVID-19 Travel Medical Insurance for Travel to U.S.A and Travel Outside U.S.A
Whether you are traveling to the U.S.A or you are traveling outside the U.S.A., you can be covered if you get sick from coronavirus as long as you are infected after the effective date of the policy. No need to track travel warnings.
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International Medical Insurance for Students and Exchange Visitors
If you are an F visa student or J visa exchange visitor traveling to the U.S.A, you can be covered if you get sick from coronavirus as long as you are infected after the effective date of the policy. No need to track travel warnings.
Please be aware that political evacuation benefits offered in some plans would not be covered in the event of an epidemic or pandemic.
Trip Cancellation Insurance
There are primarily two types of trip cancellation insurance:
Regular
If you need to cancel your trip due to covered reasons such as sickness, a death in family, your house catching on fire, etc., you will be covered under regular trip cancellation insurance.
You will not be covered under regular trip cancellation insurance if you are simply afraid to travel because of the coronavirus epidemic.
However, if you get sick from coronavirus and can’t take your trip, you can be covered.
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Cancel For Any Reason:
You can cancel your trip for any reason: That means if you just decide to change your mind, if you are too anxious to travel, etc., you will be covered.
It will cover 75% of your trip cost. You must purchase within 10 days (or 21 days, depending upon the plan) of your initial trip deposit date, and you must cancel at least 48 hours in advance of your departure date.
Buy Travel InsuranceEither of the two types of plans listed above can cover you if you get sick from coronavirus while on your trip. Be sure to review the specific coverage of any plan you are considering.
Please note: All claims will be adjudicated on the specific facts of each circumstance, and they are subject to each individual’s policy wording.
More Information on COVID-19
c Read more comprehensive information on the COVID-19 pandemic and learn how it's affecting travel both inside and outside the United States.
Learn MoreCoronavirus Coverage by Company
Some travelers feel confident having an insurance plan from a company they trust. The following insurance companies have several plans to choose from that can provide coverage for Coronavirus.