Best Covid-19 Travel Insurance Plans Of July 2022 (2022)

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Best Covid-19 Travel Insurance Plans Of July 2022 (1)

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Best Covid-19 Travel Insurance Plans

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AXA Assistance USA

Best Covid-19 Travel Insurance Plans Of July 2022 (2)

5.0

Best Covid-19 Travel Insurance Plans Of July 2022 (3)

Our ratings take into account a product's benefits and coverage levels. All ratings are determined solely by our editorial team.

Best pandemic plan

Platinum

Covers Covid?

Yes

Medical & evacuation limits

$250,000/$1 million

per person

Best Covid-19 Travel Insurance Plans Of July 2022 (4)

Get A Quote Best Covid-19 Travel Insurance Plans Of July 2022 (5)

Via Squaremouth's Website

Best pandemic plan

Platinum

Covers Covid?

Yes

Medical & evacuation limits

$250,000/$1 million

per person

Why We Picked It

AXA’s Platinum plan hits all the high points for coverage for the pandemic-era traveler, with ample medical and evacuation coverage and the option to add “cancel for any reason” coverage.

Adding a “cancel for any reason” upgrade will increase plan costs by an average of 50%.

More: AXA Assistance USA Travel Insurance Review

Pros & Cons

  • Generous medical and evacuation limits.
  • Top-notch baggage loss coverage of $3,000 per person.
  • Generous missed connection coverage of $1,500 per person (but for cruises and tours only).
  • Covers lost ski days, lost golf rounds and sports equipment rental.
  • Includes concierge services such as restaurant and hotel referrals and reservations, luxury rental arrangements such as villas and charter planes, golf course information and more.
  • Travel delay and baggage coverage kicks in only after 12-hour delays.

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Cat 70

Best Covid-19 Travel Insurance Plans Of July 2022 (6)

5.0

Best Covid-19 Travel Insurance Plans Of July 2022 (7)

Our ratings take into account a product's benefits and coverage levels. All ratings are determined solely by our editorial team.

Best pandemic plan

Travel Plan

Covers Covid?

Yes

Medical & evacuation limits

$500,000/$500,000

per person

Best Covid-19 Travel Insurance Plans Of July 2022 (8)

Get A Quote Best Covid-19 Travel Insurance Plans Of July 2022 (9)

Via Squaremouth's Website

Best pandemic plan

Travel Plan

Covers Covid?

Yes

Medical & evacuation limits

$500,000/$500,000

per person

Why We Picked It

Cat 70’s Travel Plan has high levels of medical and evacuation coverage that can financially protect you if Covid forces you to cancel your trip or seek medical care during your trip.

Adding a “cancel for any reason” upgrade will increase plan costs by an average of 50%.

More: Cat 70 Travel Insurance Review

Pros & Cons

  • Superior medical coverage of $500,000.
  • Good hurricane and weather coverage.
  • Travel delay and baggage loss coverage are both on the low side at $500 per person.
  • Baggage delay coverage requires a 24-hour delay and has a low $200 per person limit.
  • No rental car coverage available.
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HTH Worldwide

Best Covid-19 Travel Insurance Plans Of July 2022 (10)

5.0

Best Covid-19 Travel Insurance Plans Of July 2022 (11)

Our ratings take into account a product's benefits and coverage levels. All ratings are determined solely by our editorial team.

Best pandemic plan

TripProtector Preferred

Covers Covid?

Yes

Medical & evacuation limits

$500,000/$1 million

per person

Best Covid-19 Travel Insurance Plans Of July 2022 (12)

Get A Quote Best Covid-19 Travel Insurance Plans Of July 2022 (13)

Via Squaremouth's Website

Best pandemic plan

TripProtector Preferred

Covers Covid?

Yes

Medical & evacuation limits

$500,000/$1 million

per person

Why We Picked It

HTH’s TripProtector Preferred Plan has luxury-level benefits at a good price. If you’re looking for the gold standard in medical and evacuation coverage, this plan provides it.

Adding a “cancel for any reason” upgrade will increase plan costs by an average of 50%.

More: HTH Worldwide Travel Insurance Review

Pros & Cons

  • Top-notch coverage limits for medical expenses and evacuation.
  • Excellent trip interruption coverage of 200% of the trip cost.
  • Very good travel delay coverage of $2,000 per person after a 6-hour delay.
  • Excellent baggage loss coverage limit of $2,000 per person.
  • Baggage delay coverage requires a 12-hour delay.

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Seven Corners

Best Covid-19 Travel Insurance Plans Of July 2022 (14)

5.0

Best Covid-19 Travel Insurance Plans Of July 2022 (15)

Our ratings take into account a product's benefits and coverage levels. All ratings are determined solely by our editorial team.

Best Covid-19 Travel Insurance Plans Of July 2022 (16)

Get A Quote Best Covid-19 Travel Insurance Plans Of July 2022 (17)

Via Squaremouth's Website

Best pandemic plan

RoundTrip Choice

Covers Covid?

Yes

Medical & evacuation limits

$500,000/$1 million

per person

Why We Picked It

Seven Corners’ RoundTrip Choice plan has superior benefits across the board, including its medical and evacuation coverage.

Adding a “cancel for any reason” upgrade will increase plan costs by an average of 42%.

More: Seven Corners Travel Insurance Review

Pros & Cons

  • Superior medical expenses and medical evacuation coverage limits.
  • Superior travel delay coverage of $2,000 per person.
  • Baggage delay coverage of $500 per person requires only a 6-hour delay.
  • Generous baggage loss coverage of $2,500 per person.
  • Good hurricane and weather coverage.
  • Includes coverage for sports equipment loss.
  • Includes $20,000 for non-medical evacuation, which includes coverage to get you to a safe place or back home if there’s a Travel Advisory or Travel Warning from the U.S. State Department that you should leave the country due to civil, military or political unrest.
  • With its consistently high benefits, this plan has no downsides among the categories we scored.

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Tin Leg

Best Covid-19 Travel Insurance Plans Of July 2022 (18)

5.0

Best Covid-19 Travel Insurance Plans Of July 2022 (19)

Our ratings take into account a product's benefits and coverage levels. All ratings are determined solely by our editorial team.

Best pandemic plan

Gold plan

Covers Covid?

Yes

Medical & evacuation limits

$500,000/$500,000

per person

Best Covid-19 Travel Insurance Plans Of July 2022 (20)

Get A Quote Best Covid-19 Travel Insurance Plans Of July 2022 (21)

Via Squaremouth's Website

Best pandemic plan

Gold plan

Covers Covid?

Yes

Medical & evacuation limits

$500,000/$500,000

per person

Why We Picked It

Tin Leg’s Gold plan provides ample levels of medical and evacuation coverage to give you solid protection if you contract Covid, or experience other medical issues, during your trip.

Adding a “cancel for any reason” upgrade will increase plan costs by an average of 50%.

More:Tin Leg Travel Insurance Review

Pros & Cons

  • Excellent medical and evacuation coverage limits.
  • “Cancel for any reason” upgrade available.
  • Good hurricane and weather coverage.
  • Includes coverage for sports equipment loss.
  • Competitively priced.
  • Baggage delay coverage doesn’t kick in until 24 hours of delay.
  • Baggage loss reimbursement is on the low end at $500 per person.
  • No rental car coverage option.
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USI Affinity Travel Insurance Services

Best Covid-19 Travel Insurance Plans Of July 2022 (22)

5.0

Best Covid-19 Travel Insurance Plans Of July 2022 (23)

Our ratings take into account a product's benefits and coverage levels. All ratings are determined solely by our editorial team.

Best pandemic plan

Diamond

Covers Covid?

Yes

Medical & evacuation limits

$500,000/$1 million

per person

Best Covid-19 Travel Insurance Plans Of July 2022 (24)

Get A Quote Best Covid-19 Travel Insurance Plans Of July 2022 (25)

Via Squaremouth's Website

Best pandemic plan

Diamond

Covers Covid?

Yes

Medical & evacuation limits

$500,000/$1 million

per person

Why We Picked It

While the cost is higher than most other top plans, USI’s Diamond plan provides a variety of top-level benefits. This includes its coverage for medical and evacuation expenses.

Adding a “cancel for any reason” upgrade will increase plan costs by an average of 55%.

More: USI Affinity Travel Insurance Review

Pros & Cons

  • Superior coverage levels for medical expenses and evacuation.
  • Very good travel delay coverage of $1,500 per person.
  • Superior baggage loss coverage of $2,500 per person.
  • Good hurricane and weather coverage.
  • Includes some rental car coverage.
  • Baggage delay coverage is good at $500 per person but requires a 12-hour delay for benefits to start.
  • Pricing is on the high side compared to other top plans.

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John Hancock Insurance Agency

Best Covid-19 Travel Insurance Plans Of July 2022 (26)

4.5

Best Covid-19 Travel Insurance Plans Of July 2022 (27)

Our ratings take into account a product's benefits and coverage levels. All ratings are determined solely by our editorial team.

Best pandemic plan

Gold

Covers Covid?

Yes

Medical & evacuation limits

$250,000/$1 million

per person

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Best Covid-19 Travel Insurance Plans Of July 2022 (28)

Get A Quote Best Covid-19 Travel Insurance Plans Of July 2022 (29)

Via Squaremouth's Website

Best pandemic plan

Gold

Covers Covid?

Yes

Medical & evacuation limits

$250,000/$1 million

per person

Why We Picked It

John Hancock’s Gold plan has superior coverage but it also comes with a high average price.

Adding a “cancel for any reason” upgrade will increase plan costs by an average of 50%.

More: John Hancock Insurance Agency Travel Insurance Review

Pros & Cons

  • Top-notch medical evacuation benefits.
  • Travel delay benefits kick in after only a 3-hour delay.
  • Generous baggage loss coverage of $2,500 per person.
  • Excellent hurricane and weather coverage.
  • Includes coverage for sports equipment loss.
  • Includes $100,000 per person in 24-hour accidental death and dismemberment (AD&D) coverage.
  • Pricey among the plans we analyzed but you buy superior benefits.
  • Baggage delay benefits require a 12-hour delay.

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Nationwide

Best Covid-19 Travel Insurance Plans Of July 2022 (30)

4.5

Best Covid-19 Travel Insurance Plans Of July 2022 (31)

Our ratings take into account a product's benefits and coverage levels. All ratings are determined solely by our editorial team.

Best pandemic plan

Prime

Covers Covid?

Yes

Medical & evacuation limits

$150,000 accident, $150,000 sickness/$1 million

per person

Best Covid-19 Travel Insurance Plans Of July 2022 (32)

Get A Quote Best Covid-19 Travel Insurance Plans Of July 2022 (33)

Via Squaremouth's Website

Best pandemic plan

Prime

Covers Covid?

Yes

Medical & evacuation limits

$150,000 accident, $150,000 sickness/$1 million

per person

Why We Picked It

While you can get much more than $150,000 in coverage for medical expenses from other companies, this plan offers an array of other very good benefits for a good price.

Adding a “cancel for any reason” upgrade will increase plan costs by an average of 49%.

More: Nationwide Travel Insurance Review

Pros & Cons

  • Superior medical evacuation coverage limit.
  • Generous trip interruption coverage of 200% of the trip cost.
  • Good travel delay coverage of $1,500 per person after a 6-hour delay.
  • Very good baggage loss coverage of $2,000 per person.
  • Good price for the level of benefits included.
  • Medical coverage is lower than most other top plans but might be sufficient for your needs.
  • Baggage delay coverage requires a 12-hour delay.

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Trawick International

Best Covid-19 Travel Insurance Plans Of July 2022 (34)

4.5

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Best Covid-19 Travel Insurance Plans Of July 2022 (35)

Our ratings take into account a product's benefits and coverage levels. All ratings are determined solely by our editorial team.

Best pandemic plan

Safe Travels First Class

Covers Covid?

Yes

Medical & evacuation limits

$150,000/$1 million

per person

Best Covid-19 Travel Insurance Plans Of July 2022 (36)

Get A Quote Best Covid-19 Travel Insurance Plans Of July 2022 (37)

Via Squaremouth's Website

Best pandemic plan

Safe Travels First Class

Covers Covid?

Yes

Medical & evacuation limits

$150,000/$1 million

per person

Why We Picked It

The very competitive pricing for a good range of benefits makes the Safe Travels First Class plan worth consideration.

Adding a “cancel for any reason” upgrade will increase plan costs by an average of 70%.

More: Trawick Travel Insurance Review

Pros & Cons

  • Low average price.
  • Superior coverage for medical evacuation at $1 million.
  • Excellent baggage loss coverage of $2,000 per person.
  • Medical expenses coverage is low at $150,000 compared to other top plans but might be sufficient for you.
  • Travel delay and baggage delay coverage both require a 12-hour delay.
  • Average additional charge of 70% for “cancel for any reason” coverage is higher than many competitors.

Best Covid-19 Travel Insurance Ratings

Best Covid-19 Travel Insurance Plans Of July 2022 (38)

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Tips for the Pandemic Traveler

Many travel insurance policies offer good medical coverage, but not all cover Covid-related problems. If that’s important to you, make sure to verify that the plan you’re buying specifically covers you in case you contract Covid. To find the best Covid-19 travel insurance plans, we evaluated only plans with at least $150,000 per person for medical coverage.

Sudden travel bans and unexpected quarantine requirements can also derail your trip, but standard travel insurance won’t generally cover these problems. Buying “cancel for any reason” (CFAR) coverage will give you some reimbursement no matter what your reason for canceling.

Add “cancel for any reason” coverage shortly after your first trip deposit if you want it. You may have only a couple weeks before the option expires for your plan.

Also, some destinations abroad have medical coverage requirements for incoming travelers. Confirm the medical coverage requirements you’ll need for your destination, if any, before you buy a travel insurance plan.

Related: Best home Covid tests

Does Travel Insurance Cover Quarantine?

There are travel insurance policies that can cover unexpected expenses if you have to quarantine in another country. But in order for any benefits to apply for most of these plans, you must test positive for Covid-19 and your travel insurance plan must cover Covid-related expenses.

If you get sick abroad from the virus, a plan’s travel medical benefits can also kick in if it’s travel insurance that covers Covid-19.

“Travel insurance policies that provide benefits if a traveler contracts Covid-19 can also extend their coverage past the original return date, typically up to seven days,” says Steven Benna, a spokesperson for Squaremouth, a travel insurance comparison provider.

Related: When should I use a home Covid test?

Quarantine-Related Travel Insurance Coverage

The following travel insurance benefits can offer coverage for the costs of quarantining, assuming the plan covers Covid-19 expenses.

Travel delay coverage

This benefit can cover the cost of your accommodations and meals during quarantine if you have contracted the virus. If you are forced to stay beyond your return date due to a positive test, this coverage can be extended for up to seven days.

“Policies with this benefit provide a range of total coverage between $100 and $2,000 per person, with a daily limit that ranges from $50 to $300,” Benna says.

Trip interruption coverage

This coverage will reimburse you for missed portions of your trip if you’re forced into quarantine due to a positive Covid test. It can cover 100% to 200% of your prepaid and non-refundable trip costs, depending on the policy, says Benna.

For example, Trawick International’s Safe Travels Voyager Plan covers expenses if you’re forced to quarantine domestically or abroad due to a positive Covid test. “These plans may also provide reimbursement for medical expenses and emergency medical evacuation expenses incurred if you are injured or sick while traveling on your trip,” says Bailey Foster, a spokesperson for Trawick International.

“Cancel for any reason” coverage

Consider a plan that lets you upgrade to “cancel for any reason” coverage. This upgrade usually adds 50% to your travel insurance cost, but it will allow you to cancel your trip for any reason and get some reimbursement (often 75%) of lost trip costs. Your reason could be Covid-related, such as finding out that there’s a spike of Covid at your destination. Or your reason could be unrelated—for example, you could make a CFAR claim because you don’t like the rainy outlook at your beach resort.

If you want CFAR coverage, make sure to buy a travel insurance plan and add CFAR soon after you make your first trip deposit. There’s usually a purchase deadline for CFAR, such as two weeks.

“Interruption for any reason” coverage

If you’re concerned about being forced into a quarantine while on your trip due to a positive Covid test, standard trip interruption insurance can reimburse you for parts of your trip that you miss—if your plan has coverage for Covid. For instance, you can file a claim under trip interruption benefits if you paid in advance for non-refundable hotel stays, tours or entertainment and can’t participate because you have the virus and have to quarantine.

But what if you don’t have Covid and are required to comply with a mandatory quarantine? That’s where “interruption for any reason” would help. “Interruption for any reason” coverage is offered as an upgrade from a small number of travel insurance companies. If you have this upgrade, you can be reimbursed for portions of your trip that you miss if you have to quarantine but don’t have Covid. It can also pay for transportation expenses to get you caught up to your planned itinerary.

“Interruption for any reason” isn’t a common benefit, but the following companies offer it on some plans: iTravelInsured, Nationwide, Seven Corners and Travel Insured International.

Other Plan Benefits to Look For

A comprehensive travel insurance plan will also include coverage for:

  • Travel delays, such as extra expenses when you’re stuck in an airport due to weather problems
  • Missed connections
  • Baggage and personal items, including lost or damaged baggage

How to Get Quarantine Reimbursement from Travel Insurance

If you need to make a travel insurance claim related to a Covid quarantine, be prepared to have these documents:

  • If the policy requires a positive Covid test or direct exposure to the virus, collect documentation. “In either case, they must be able to provide proof of their test or exposure, such as a note from a doctor, in addition to all receipts verifying their expenses,” says Benna at Squaremouth.
  • Provide documentation that your test or exposure required a quarantine.
  • Save your receipts for medical bills and lodging expenses so that you can submit them with your insurance claim.

Methodology

Using data provided by Squaremouth, a travel insurance comparison provider, we scored plans based on:

Covid medical coverage: Up to 70 points. Plans earned points based on their levels of medical coverage. Only plans that provide Covid-related medical coverage and at least $150,000 per person in coverage were considered.

Cost of plan: Up to 50 points. We analyzed quotes for a variety of traveler ages and trip costs in order to develop an average price for each plan.

Cost to add “cancel for any reason” (CFAR) coverage: Up to 30 points. We calculated the cost difference between the base plan and the plan with “cancel for any reason” coverage added. Only plans with a CFAR option were considered.

Related:Compare & Buy Travel Insurance For 2022

Best Covid-19 Travel Insurance FAQ

Will my health plan cover me if I get Covid while traveling abroad?

Coverage for medical problems outside the U.S. will vary by plan. Check with your U.S. health insurance provider to see what your health plan offers for global coverage. Some plans may have limited or no coverage, or a very high out-of-network deductible.

Once you know what your health plan covers you can select the right level of travel medical insurance.

Seniors should be aware that Medicare generally doesn’t have coverage outside the U.S.

Will travel insurance cover quarantine outside the U.S.?

Travel insurance plans that have Covid-related coverage will generally cover quarantine costs during your trip.

For example, if you contract Covid during your trip and have to stay an extra five days past your departure date, these plans can reimburse you for extra costs such as the hotel bill and meals. Coverage for a quarantine is only triggered if you actually get Covid.

Be aware that if a quarantine does not extend your travel time or result in extra costs, there may be no applicable coverage. For example, if you have to quarantine during the trip but leave to go home on your original return date, you have no monetary loss to claim. “Loss of enjoyment” because of a quarantine is a legitimate gripe but is not covered by travel insurance plans.

How much money can I get back with “cancel for any reason” coverage?

“Cancel for any reason” coverage will generally reimburse 50% or 75% of your pre-paid, non-refundable trip costs. This coverage allows you to get some reimbursement no matter what your reason is for canceling.

If your reason for cancellation is listed in your policy under standard trip cancellation benefits, you can get back 100%. These reasons can include sickness or injury of you or a travel companion, a hurricane, jury duty, job loss and more. Check the policy for the list of acceptable reasons. You may decide that you don’t need to spend the extra money for “cancel for any reason” coverage.

Will travel insurance cover trip cancellation due to Covid-19?

Many travel insurance plans include Covid as a reason for making a trip cancellation claim. If you were to contract Covid before your trip and be too sick to travel, a travel insurance policy that includes Covid coverage can reimburse you for 100% of your lost trip costs.

It’s wise to buy travel insurance shortly after you book a trip so that your trip cancellation coverage starts.

Next Up In Travel Insurance

  • Questions to Ask Before International Travel
  • Avoid These Travel Insurance Mistakes For Your Post-Pandemic Vacation
  • How Covid-19 Has Changed Travel Insurance Purchases
  • What Happens If I Test Positive For Covid-19 While Traveling?
  • Latest U.S. Travel Rules

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Find out how the Omicron variant could affect your insurance

If you're now required to quarantine upon arrival, you likely won't be able to cancel and claim on your insurance, though you may be able to postpone your trip if your travel provider is flexible (see below).. In either of these cases, there are some insurers who will consider cancellation claims.. Before you claim on your travel insurance, you'll first need to check if you can get a refund from your travel provider.. Sadly, the pandemic has shown that not all holiday firms play by the rules when it comes to refunds.. Coronavirus cancellation cover You'll need this if you want to be able to claim on insurance for refunds if Covid stops you travelling for any reason.. Our ratings will tell you how much Covid cover an insurer has.. If you had a trip booked that you now can't take, you might need to make a claim yourself.. Insurers will only pay out for costs that can't be refunded by travel or accommodation providers, so you should get in touch with them first.. If we don't have a review, contact your insurer directly for more information.. If you accept vouchers or refund credit notes (RCNs) as compensation, you can't claim for cash from your insurer as well, as this would be a double claim.. Legally, you should be able to reject vouchers and get cash refunds instead, but many holiday firms have ignored this rule.. This means if you accept an RCN and your holiday provider goes bust, your money will be protected.

Due to the COVID-19 pandemic, travelers' interest in insurance is at an all-time high. Read on for a breakdown of the best travel insurance policies for 2020.

"We caution travelers to make sure they aren't overspending on a policy that doesn't cover their concerns, or if they can have adequate coverage elsewhere," Moncrief adds.. Moncrief says that CFAR plans are typically 40 to 50% more expensive than standard travel insurance policies, and they often only cover up to a 75% reimbursement of non-refundable trip costs, with others only covering 50%.. In order to win back travelers, a number of airlines, hotels, and cruise lines started offering specific COVID-19 travel insurance policies, which might even be free.. If you're traveling with expensive items that you want covered, the maximum coverage on credit card benefits can help cover them.. "These policies rarely include medical coverage, which is a leading driver of travel insurance purchases, and in some cases, may require the trip to be entirely booked on that card for coverage to apply," Moncrief adds.. Even though standard travel insurance typically excludes coverage for reasons related to a pandemic, many providers like airlines, hotels, and cruises are still offering flexible policies on rebooking and cancellation — which is just the kind of reassurance you need to book your trip.

Covid is no longer unknown or uninsurable. But you'll want to read policies carefully.

If Covid-19 interrupts my travel plans, what will international travel insurance cover?. Covid-19-related travel insurance tends to be limited and, more importantly for travellers, it will not apply while Safe Travel advises against travel.. Additionally, most will not cover Covid-19 related costs if you enter quarantine or self-isolation you knew about in advance, visit a "Do Not Travel" country, travel against doctor advice, or are on an itinerary involving cruise travel.. Most travel outside of Australia and New Zealand, or anywhere with a 'do not travel' advisory on the MFAT or DFAT safe travel advice.. BNZ Platinum credit card International Leisure Travel Insurance, provides Covid-19 cover if you purchase a single-trip travel insurance policy from BNZ and travel overseas within a NZ Government sanctioned bubble.. Cancellation or reasonable additional travel costs if a travel provider, relative you planned to stay with or event organiser cancels or alters services due to a Covid-19 outbreak and is ordered to undertake a deep clean.

Find the best travel insurers for covering Covid, winter sports and cruises. We also list the best insurers for people with pre-existing medical conditions

Many of these policies now include cover for coronavirus-related medical expenses incurred while on a trip, as well as broader medical and general travel insurance.. Its travel insurance policies also cover medical claims while you are away due to Covid-19 , as long as you’re not travelling against FCDO advice or the equivalent government body in another country.. Just Travel Cover is a broker that offers travel policies from a wide range of insurers.. It is rated five stars in our cruise cover ratings, and Just Travel Cover also gets a silver customer experience rating.. Most travel insurers will offer winter sports cover as an optional add-on to their regular cover and will protect you if you:. Our travel insurance customer experience ratings will also give you an idea about which travel insurance companies are best at keeping their promises and have the happiest customers.. A five-star rated policy must have at least £2m of medical treatment cover (or £5m for a multi-trip policy), £3,000 of cancellation cover and £3,000 for cutting your trip short.

Few travel insurers are good enough to be Which? Recommended Providers. To make the grade an insurer must offer good cover on its standard policy and great customer service.

Our experts have assigned each travel insurance policy a policy score, reflecting how comprehensive the cover is, as well as a dedicated Covid cover rating ( more on that below ).. We've compared the policies of more than 70 travel insurance providers to bring you our best and worst travel insurance tables - which list the best policies from each provider.. You can find the scores in our travel insurer reviews , which cover the biggest and best brands.. We analyse and rate 61 key elements of travel insurance policies to come up with the overall policy score.. Of the 199 policies we examined, around two thirds now offer Superior level cover, while just nine offer Complete level cover.

Many destinations are requiring proof of coverage.

Berkshire Hathaway has three main plans, and all of them cover COVID-19 issues up to their respective limits — the most budget-friendly option covers up to $15,000 worth of medical expenses; the most expensive plan offers up to $50,000 of coverage.. Each plan also covers trip cancellation (not including personal cancellations except in the case of illness), trip interruption, and travel delays.. Seven Corners also offers various RoundTrip Protection Plans that may meet your criteria — these have components of coverage for trip cancellation and interruption, medical expenses, and protection for personal belongings.. All of these plans cover COVID-19 to the limit they cover any other illness; the RoundTrip Elite Plan has the highest coverage, with a $250,000 emergency accident and sickness benefit as part of the plan.. World Nomads offers plans that cover COVID-19 treatment up to and including medical evacuation, if you test positive during your trip.. According to its website, benefits include trip interruption coverage, travel delay coverage, doctors’ visits, and hospital stays up to your plan’s limit.. Per Generali ’s website, “If you, a family member or a traveling companion are diagnosed with COVID-19 before or during your trip, and meet the requirements for coverage due to sickness, you can be covered for Trip Cancellation, Trip Interruption, Travel Delay, Medical & Dental, and Emergency Assistance & Transportation, in addition to 24/7 Emergency Assistance services” (a team that will coordinate local treatment on your behalf).. They’ll be able to discuss with you specifically which plans cover testing, if any, and which cover COVID-19 treatment, trip interruption due to COVID-19, etc.. For the record, even if it looks like your plan covers COVID-19, it may not — make sure you have it in writing that your plan does.

The solution for most COVID-related trip cancellations may be a “Cancel for Any Reason” policy.

For more and more people, the solution is to buy travel insurance for their trips in the hopes of being reimbursed should they have to change or cancel.. But not all travel insurance covers all pandemic-related cancellations.. According to travel insurance aggregator Squaremouth, Inc., travel insurance policies with a CFAR add-on typically must be purchased within two to three weeks of the first payment towards the covered trip.. Moncrief said in a review done by Squaremouth, only 30% of such claims were made by people who actually contracted COVID-19 and had to cancel their trips.. This is the only type of pandemic claim that would be covered by most standard travel insurance policies.. According to Squaremouth data, nearly 37% of all searches on its site for travel insurance cited the pandemic as reasons for coverage as recently as Jan. 28, 2022.. “As a purchaser of travel insurance, make sure you understand what you are buying and what the policy covers and what the policy does not cover,” Friedlander cautioned.. At the beginning, Moncrief said, travel policies didn’t cover medical care for pandemic illnesses.. By contrast, insurers now demand their customers first seek reimbursement from the travel service provider, such as an airline or cruise company, that cancelled before filing an insurance claim.. Travel Insured International: WorldWide Trip Protector: “This Cancel for Any Reason benefit does not cover penalties associated with any travel arrangements not provided by retail travel supplier or the failure of retail travel supplier to provide the bargained-for travel arrangements due to cessation of operations for any reason.”. Charlie Leocha, president and cofounder of Travelers United, an advocacy group, said he typically doesn’t buy standard travel insurance unless he’s planning a particularly expensive, all-inclusive trip.. Leocha said he buys travel medical insurance policies each year, which cover up to six trips and up to six weeks per trip.. “Probably the most expensive way to do it is get ‘cancel for any reason’ insurance.”

Already planning for a long weekend gateway? Take a look at our list of the best destinations for a weekend trip near Bangkok in July!

Kanchanaburi is surrounded by mountains and forests and is lined by a stunning river.. The Float House River Kwai Resort offers luxurious floating villas, allowing you to feel closer to nature and wake up with the river right under your feet.. The Hilton Pattaya is a beautiful hotel located in Pattaya Beach.. The hotel is one of the few hotels in Thailand where every room has beautiful views in almost every direction.. In addition to its beautifully decorated rooms, the resort also boasts a range of facilities, such as a golf course, spa, restaurant, and cafe.. PHOTO: V Villas Hua Hin – MGallery. Stay at the beautiful Hyatt Regency Hua Hin for a perfect golfing weekend.. If you’re planning to visit this mall, the best hotel to stay at is the Arize Hotel Sri Racha .

Pack COVID-19 testing kits and N95 masks in your luggage and bring any essentials in case you need to extend your trip. Read on for more tips.

If you’re traveling internationally, visit the U.S. State Department site or Borderless for the current COVID-related travel protocols for testing, vaccination, and quarantining for each country.. Depending on when you test positive or show symptoms, you may need or want to extend your trip in order to quarantine.. “It would be best to isolate yourself, check into a hotel, and just stay there until the symptoms are gone.”. Make sure people that might have to be around you are doing the same,” she adds.. “Make sure you have everything you need for an extended stay of up to 10 days in case you are quarantined in the location you are visiting,” says Dr. Blaivas.. You may also want to investigate travel medical insurance if you’re leaving the country, since most U.S. health insurance plans won’t cover you while you’re abroad.. “If you are feeling significantly ill and are in a location where medical care is of high quality, then seeking medical treatment is a very good idea,” says Blaivas.. Check the CDC site for more info on telemedicine options.

Find out whether you need travel insurance for your next trip, what it covers, and how to compare and shop for the best plan.

Include this in your travel insurance policy:. Commonly, travel medical protection is not included with your credit card, so if you’re looking for more comprehensive coverage, it makes sense to purchase a general trip insurance policy.. Whether you’re looking for an international travel insurance plan, emergency medical care, COVID coverage or a policy that includes extreme sports, these providers have you covered.. Most comprehensive travel insurance plans offer trip cancellation, trip interruption, emergency medical and dental, medical evacuation, trip delay and lost luggage coverage.. Most comprehensive travel insurance plans offer trip cancellation, trip interruption, emergency medical and dental, medical evacuation, trip delay and lost luggage coverage.

Here's what you should know about having a COVID-safe summer vacation for you and your family.

Many countries are lifting vaccination mandates for travelers, but check before traveling internationally.. Most of the previously mandated COVID rules are still lifted, and people are free to travel without wearing a mask or showing their proof of vaccination.. The Food and Drug Administration (FDA) has yet to authorize a COVID vaccine for children younger than 5, leaving mixed emotions for parents traveling with unvaccinated infants and children.. For parents traveling with unvaccinated children, planning ahead and choosing a destination with low to moderate COVID transmission rates is key.. Consider your unvaccinated child’s risk factors including health conditions that put them at high risk for severe illness if they get COVID Avoid places that are having a surge in COVID cases (you can check the CDC data tracker ) Plan activities that allow for social distancing Stay in rental properties instead of crowded hotels. Make sure you are up-to-date with your COVID vaccines before traveling Check your destination’s COVID restrictions and follow all local governments policies Wear a mask indoors, on public transportation, and in crowded areas Check if your airline requires any COVID testing or proof of vaccination Do not travel if you have COVID symptoms or tested positive for COVID. Make sure you are current on COVID vaccines Check the cruise ship’s case rate and color status using the CDC’s webpage Take a COVID viral test no more than three days before departure Understand your cruise line’s COVID requirements Purchase travel insurance in case your plans change Wear a mask on public transportation and in large crowds

Booking future travel plans typically involves a bit of uncertainty, but the COVID-19 pandemic has made traveling more unpredictable than ever. With countries moving in and out of lock down and COVID-19 hot-spots popping up around the world, you’ll want to understand what travel insurance can and can’t protect you…

If you purchased travel insurance before this date, you may be eligible for trip cancellation or trip interruption benefits if you become sick with COVID-19 before or during your trip, and emergency medical care if you become sick with COVID-19 while traveling.. Trip Cancellation Travel insurance typically covers nonrefundable costs such as airfare and hotel bookings if your trip is canceled or delayed due to covered reasons including illness, natural disaster, or job loss.. If you purchased travel insurance before the COVID-19 pandemic, your plan may include coverage if you become ill from the coronavirus during your trip.. Even if you purchase travel insurance after the date the pandemic became a known event, some “pandemic-friendly” plans will offer trip cancellation, trip interruption or emergency medical coverage if you contract COVID-19 after you’ve purchased your travel insurance policy.. Many travel insurance companies offer “Cancel for Any Reason” (CFAR) coverage at an additional cost, which allows you to cancel your trip for any reason, including fears of traveling during the COVID-19 pandemic.. For new policies, many travel insurers now consider COVID-19 a foreseeable event and may exclude trip cancellation and emergency medical benefits related to COVID-19.. You must first purchase a standard travel insurance plan to be eligible for the optional CFAR coverage.. Travel Insurance for COVID-19 If you have an existing travel insurance plan, concerns over the coronavirus is not usually a covered reason for cancelling your trip, unless you have Cancel for Any Reason (CFAR) coverage.If you become ill with COVID-19 prior to your departure, you may be eligible for trip cancellation coverage depending on when you purchased your plan and which plan you purchased.If you become ill with COVID-19 during your trip and your plan includes medical expense coverage, you may be covered with trip interruption and medical expense benefits depending on when you purchased the plan, and which plan you purchased.If you are planning on purchasing a new travel insurance policy, consult the policy’s COVID-19 coverage and consider adding CFAR coverage.. Cancel for Any Reason (CFAR) Coverage Allows policy holders to cancel a trip over COVID-19 concerns, whereas traditional travel insurance plans do not.Typically reimburses from 50-75% of prepaid, non-refundable trip costs.Travelers must meet specific plan requirements and purchase a CFAR plan within a certain number of days from initial trip payment.Trips usually must be cancelled at least 48 hours prior to departure to be eligible for coverage.

For questions related to our travel insurance plans and COVID-19, please read our COVID-19 FAQs.

For customers purchasing a new travel protection plan, some of our plans now include an Epidemic Coverage Endorsement, which adds epidemic-related covered reasons for certain benefits.. For plans that do not include the Epidemic Coverage Endorsement, we are temporarily accommodating claims for the following:. For plans that do not include the Epidemic Coverage Endorsement, we are temporarily accommodating claims for the following:. Additionally, for a temporary period, we are offering refunds for the cost of your single-trip travel protection plan if your travel supplier cancels your trip due to COVID-19, as long as no payable claim has been filed under the plan.. However, our plans do not provide “Cancel For Any Reason” coverage, and coverage under these plans is subject to terms, conditions, and exclusions.. For plans that do not include the Epidemic Coverage Endorsement, we are temporarily accommodating claims for the following:. For plans that do not include the Epidemic Coverage Endorsement, we are temporarily accommodating claims for the following:. The Trip Cancellation benefit would also apply if you or your traveling companion are individually-ordered to quarantine as a result of your exposure.. Benefits may not cover the full cost of your quarantine and are subject to applicable benefit limits.. If you or a traveling companion become ill due to an epidemic disease (such as COVID-19) or are individually-ordered to quarantine, these are covered reasons that could trigger Trip Cancellation or Trip interruption benefits for the insured .. Benefits may not cover the full cost of your quarantine and are subject to applicable benefit limits.. If an insured is individually ordered to quarantine while on their trip, they may be eligible for coverage under the Trip Interruption benefit for expenses incurred for additional accommodations while quarantined.. Additionally, as a temporary accommodation, if you or a traveling companion become ill with COVID-19 while on your trip, you will not be subject to the Trip Interruption benefit’s five-day maximum limit for additional accommodation and transportation expenses (however, the maximum daily limit for such expenses and the maximum Trip Interruption benefit limit still apply).. All plans continue to generally exclude losses for epidemics, including COVID-19, except as expressly covered in that plan’s Epidemic Coverage Endorsement.

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