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Many countries around the world are reopening borders for tourism, leaving travelers wondering what kind of travel insurance is currently available, and if it comes with any Covid-19 coverage.

Below we have the most current information about what travel insurance policies are available for travelers who want to ensure they are covered for their trip in this overwhelming environment.   

travel insurance that covers coronavirus

Travel insurance policies that come with Covid-19 coverage are different depending on the country you are a resident of. Below we have insurance coverage information for people from: USA, Canada, UK and Worldwide.

Just scroll down below to what country you are a resident of to see your travel insurance options that cover Covid.

We will add more countries to the list and more insurance providers as more information becomes available.

Covid-19 Travel Insurance – Everything You Need To Know

Travel Insurance with Covid Coverage

Please Note: This article is meant as a general information guide only. Travel Insurance is constantly changing in the current environment and it is up to each traveler to ensure they are properly covered for their individual situations. We do our best to keep this article updated but insurance policies can change without notice. The decision to travel is your choice and you are responsible for your personal safety and insurance abroad. We do not endorse or recommend traveling against government travel advisories. 

USA

SafetyWing

SafetyWing started automatically covering Covid-19 as a part of their policies as of August 1, 2020!

If you are in need of a really cheap travel insurance plan that covers basically everything, I highly recommend (and personally use) SafetyWing.

Covid coverage works the same as any other illness as long as it was not contracted before your coverage start date, and does not fall under any other policy exclusion or limitation. Testing for COVID-19 will only be covered if deemed medically necessary by a physician. 

travel insurance covid

Cost of SafetyWing

For 4 weeks of coverage:

  • 10-39 years old $40.04
  • 40-49 years old $64.68
  • 50-59 years old $101.64
  • 60-64 years old $137.76

Rates are for any country of travel except for: Cuba, Iran, Syria, and North Korea. 

WHAT THAT COVERS:
  • Coverage up to $250,000
  • Deductible $250
  • Trip Interruption – up to $5000
  • Lost Checked Luggage – up to $3000
  • Political Evacuation – up to $10,000

And lots more including intensive care, ambulance, hospital stays, travel delays, medical evacuation, emergency dental, etc. You can see everything that SafetyWing covers, including what sports activities, etc on their FAQ page

Editors Note:

One of the reasons we personally use Safety Wing, and why it's the top recommendation we have for covid-era travel insurance, is Safety Wing still covers the basics and costs around 60%-70% less than other providers.

For Example: For 4 weeks of coverage for a 35-year-old American:

  • SafetyWing is only $40 and offers up to $250,000 of medical coverage.

For anyone travelling on a budget Safety Wing is our top choice. 

HeyMondo

HeyMondo is a very flexible and customizable option for those who need travel insurance with Covid-19 coverage. They have 3 different tiers of plans; ‘Single Trip' andEntire Year Multiple Trip' that cover medical assistance and expenses even in the event of infection by Covid-19. They also offer a ‘Cancellation Only' policy.

Types of HeyMondo Coverage: 

Single Trip: Travel insurance for your upcoming trip (medical expenses, repatriation, luggage, transports delays, etc.). Cancellation and extreme sports are optional.

Multiple Trips In One Year: With Heymondo's annual travel insurance you have all the trips you take in a 12-month period covered up to a duration of 120 days each. Estimated rate: $173 USD.

Cancellation Only Coverage: Reimbursement of the pre-paid non-refundable transport and accommodation expenses of the trip in case you cannot travel.

Once you have selected your type of coverage you will be able to customize your travel insurance. HeyMondo lets you easily customize coverage to help you save money or give you extra coverage  (example: covering shiny new electronics like laptops). See the example photo below for the different options.

HeyMondo Example options

If you want to read up more on coverage options and prices, go to the HeyMondo Quote Page to learn more

travel insurance during the pandemic

World Nomads

World Nomads insurance has a ton of coverage and has become really popular with frequent travelers because of the broad range of inclusions, even for some sports and adventure seekers, and how easy it is to add or extend coverage on the go.

Currently, World Nomads is offering U.S. residents travel insurance that covers Covid-19 related illnesses.

For US Residents only:

World Nomads does not have an endemic or pandemic exclusion for policies purchased by U.S. residents, which means that you may make claims arising from the COVID-19 for the benefits specified in your policy.

Covid coverage/benefits for US residents who purchase World Nomads insurance:

Prior to traveling

  • If you, your traveling companion or a non-traveling family member contract COVID-19 or get quarantined, the plan benefits cover trip cancellation, provided that the events occurred after you purchase your policy and your coverage goes into effect. If you unexpectedly catch COVID-19 at home before you leave for your trip, you may also be eligible for trip cancellation coverage, which represents compensation for any pre-paid non-refundable travel expenses such as flights, hotels, and excursions.

During traveling

  • If you or your travel companion contract COVID-19 while traveling, you may be covered for emergency medical expenses, trip interruption coverage and medical evacuation when deemed necessary for your treatment.
  • Travel delay coverage should your scheduled transportation be set back for at least six hours for say, a border closing or travel ban that has been announced during your trip, government or a physician-mandated quarantine imposed.
  • Reimbursements may include doctors’ visits and hospital stays, and certain pre-paid travel arrangements that get disrupted as a result of the infection or the delay of your common carrier.
Types of Covid-19 related circumstances NOT covered by World Nomads travel insurance
  • Fear of travel is never a covered reason for any type of coverage. In no instances can you get reimbursed for canceling your trip because you’re worried about how the COVID-19 outbreak may impact your travels.
  • Events surrounding the COVID-19 outbreak for which you aren’t directly affected by the sickness. Examples: a conference you were planning to attend was canceled; you need to cancel your trip because flights out of your destination were shut down; you changed your mind about having your honeymoon in Italy because of the lockdown; your tour operator has canceled the trip before your departure.
  • World Nomads does not have a ‘Cancel for any reason’ clause.

You will likely have many more specific questions about the covid coverage World Nomads offers, so they have created a FAQ page with the most commonly asked questions like “What if the airline canceled my flight due to Covid?” or “Is quarantine covered under my policy?”

Get a quote from World Nomads 

travel insurance for americans

CANADA

Canadians were having a tough time finding Covid-19 travel insurance coverage earlier this summer, but now as of August 1st we have 2 great options!

Should Canadians Cancel Travel Plans Amid The Coronavirus Here Is What The Experts Say

SafetyWing

Canadians! Finally, an affordable insurance provider with plans that cover Covid-19, even with the current travel advisory in place.

I spoke directly with SafetyWing and found that as of August 1st, they officially launched coverage for Covid-19 and automatically including it in all their new policies. Since I am very familiar and comfortable with their insurance and customer service, I am thrilled to be able to recommend them to my fellow Canadian readers.

SafetyWing is super affordable (more than 50% less than other coverages) and is the travel insurance provider that we’ve personally been using for the past 2 years. I have personally made claims and the entire process was super simple.

Kashlee Kucheran wit Arden Cove Anti-theft bag on Stone Island, Mazatlan

Cost of SafetyWing

For 4 weeks of coverage:

  • 10-39 years old $40.04
  • 40-49 years old $64.68
  • 50-59 years old $101.64
  • 60-64 years old $137.76

We have more details on what SafetyWing covers on our insurance guide specifically for Canadians: “Covid-19 Travel Insurance For Canadians”

HeyMondo

HeyMondo has become a very popular provider, especially among our Travel Off Path community. 

We contacted HeyMondo to ask if they would cover Covid-19 related illnesses, despite the current travel advisory from the Canadian government, and they confirmed they will.

Cost for HeyMondo

For 4 weeks of HeyMondo coverage for a Canadian (any age) traveling anywhere in the world excluding USA/Canada:

$105 USD

That Includes up to:

  • $100,000 medical expenses
  • $500,000 repatriation
  • $1,700 luggage
  • $450 travel delay
  • $2,500 trip cancellation

Go straight over to HeyMondo's quote page to get all info on costs and inclusions

The nice part of Hey Mondo is you can customize the policies, adding more coverage where you personally need it.

Europe & United Kingdom

HeyMondo

HeyMondo is a European company and our top recommendation for European's who need travel insurance with Covid-19 coverage. They have 3 different tiers of plans; ‘Single Trip' andEntire Year Multiple Trip' that cover medical assistance and expenses even in the event of infection by Covid-19. They also offer a ‘Cancellation Only' policy.

Types of HeyMondo Coverage: 

Single Trip: Travel insurance for your upcoming trip (medical expenses, repatriation, luggage, transports delays, etc.). Cancellation and extreme sports are optional.

Multiple Trips In One Year: With Heymondo's annual travel insurance you have all the trips you take in a 12-month period covered up to a duration of 120 days each. Estimated rate: $173 USD.

Cancellation Only Coverage: Reimbursement of the pre-paid non-refundable transport and accommodation expenses of the trip in case you cannot travel.

Once you have selected your type you will be able to customize your travel insurance coverage. HeyMondo lets you easily customize coverage to help you save money or give you extra coverage (for example shiny new electronics). See the example photo below for the different options.

HeyMondo Example options

If you want to read up more on coverage options and prices, go to the HeyMondo Quote Page to learn more

travel insurance during the pandemic

Staysure

Staysure is a great travel insurance for UK travelers who need some type of covid coverage.

While it’s not the most robust policy on the market in terms of covid related coverages, it does cover the basics.

COVID coverage/benefits for UK residents who purchase Staysure insurance:

Your policy will give you coronavirus (COVID-19) coverage for emergency medical expenses and repatriation if you catch the virus during your insured trip. This means if you develop COVID-19 while on holiday and need help, you’ll be covered as long as you have declared your pre-existing conditions.

For all other events that might be caused by coronavirus, including cancellations, you wouldn’t be covered to make a claim, but they might be able to help you change your plans.

travel insurance for Canadians

TUI

While not a replacement for travel insurance, TUI will be offering Brits Covid coverage when book your vacation with them. The program provides coverage for overseas Covid-19 testing costs or repatriation if medically required, and if customers are asked to self-isolate, it will cover the extended stay and a new return flight home.

The announcement for their covid-coverage travel packages was only made July 10, 2020, so official terms and conditions will follow in a few days.

Tourists wearing masks

WORLDWIDE

If you do not live in the USA, Canada or the UK, here are the insurance providers we know that offer coverage for clients all over the world, and that also cover Covid-19.

SafetyWing

HeyMondo 

More coming soon:

We have been in touch with many insurance providers and they are scrambling to re-write their policies to give Covid-19 coverage. Bookmark this page and check back often, as we will be adding them as we get detailed information back.

For the latest re-opening Travel News and discussions, join our: Facebook Community

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Originally Published July 10, 2020 with updates



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