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Covid-19 Travel Insurance For Americans

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Traveling in a Covid-19 world brings uncertainty and anxiousness of the unknown. Travel won’t be the same for a long time but there’s one thing you can do to protect your health before departing. 

Get a Covid-19 travel insurance policy that doesn’t have exclusions regarding travel advisories.

We’ll go over the easiest, fastest, and most affordable ways to get Covid-19 travel insurance for American travelers below. 

American Tourists traveling on the beach

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. 

Covid-19 Travel Insurance For Americans Traveling Abroad

The Most Important Thing You Need To Know About Covid-19 Travel Insurance 

Most Covid-19 travel insurance for Americans have fine print which states that they won’t cover any cost related to the Coronavirus if there is a travel advisory issued.

Even though the United States dropped its general level 4 global advisory to a level 3, some specific popular destinations for Americans still remain at a level 4.

With the pandemic still surging in many countries, travel advisories are constantly being added and removed based on the number of Covid-19 cases. You don’t want to become a victim of not being covered just because of a new travel advisory you were unaware of. 

American in Hotel Carrying Face Mask

What Coverage Should You look for in Covid-19 Travel Insurance for Americans?

This is general advice and can change depending on your own travel/medical situation.

  • Exclusions – Make sure you policy still covers Covid-19 claims even if there’s a travel warning issued for the country you are traveling to.
  • Trip Cancellation – Make sure the policy will cover you, your traveling companion or a non-traveling family member if they contract COVID-19 or get quarantined
  • Contract COVID-19 While Traveling – Emergency medical expenses, trip interruption coverage and medical evacuation due to Covid-19 related illness should be covered
  • Travel delay coverage  – Insurance should cover you if you suffer financial losses due to long flight delays, border closures or travels ban that have 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.
american airline planes

What does Covid-19 Travel Insurance NOT Usually Cover For U.S. Travelers:

  • Fear of travel is never a covered reason for any type of coverage. Canceling your trip because you’re worried about how the COVID-19 outbreak may impact your travels is usually never covered.
  • 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 Mexico because of the lockdown.

Is Covid-19 coverage an add-on package or is it included with your travel insurance for U.S travelers?

Travel Insurance that covers Covid-19 should be included with your regular travel insurance quote. Do not use travel insurance providers that have covid-19 as an ‘add on’ package.  The largest travel insurance companies include it their quotes. 

American airlines

My Travel Insurance Provider told me they Cover Covid-19. Is that good enough? 

No. Almost all Travel Insurance companies say they cover Covid-19 related illness but there is an exclusion that voids all coverage if a level 4 travel advisory is issued which is still the case for many countries around the world.

Ask your provider specifically about U.S. government travel advisory/warning exclusions or other factors that can void your coverage. 

American Tourists Wearing masks while traveling

How Much Should Covid-19 Travel Insurance Cost For Americans? 

Each traveler depending on their, age, locations and amount of medical coverage will determine your Covid-19 travel insurance quote. 

To make it easy we have found three Travel Insurance providers for Americans that cover Covid-19 related claims.

We have used both SafetyWing and World Nomads and we are hearing amazing feedback about HeyMondo as well. 

All three providers cover your regular travel insurance plus Covid-19 coverage with no exclusion if a level 4 travel advisory is issued, such as the case in popular destinations such as Mexico.

Below you can get three quotes and decide which coverage is best for you. 

Safety Wing

SafetyWing is our top choice for American travelers. It’s the most affordable, they can cover up to 2 children under 10 for free, and you can keep extending it while you’re abroad. 

As of August 1, 2020 SafteyWing is also including Covid-19 coverage automatically as a part of their policies. 

Hey Mondo

HeyMondo has become a fan favorite among our readers. They have very flexible and customizable options for those who need travel insurance with Covid-19 coverage.

They have 3 different tiers of plans; ‘Single Trip’ and ‘Entire 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. You can even add on extra coverage for things like laptops and cameras.

World Nomads

World Nomads is the most expensive option on the list, but does offer some extensive coverage, especially for those who are adventure seekers and sports enthusiasts. 


Covid-19 Travel Insurance – Everything You Need To Know

Countries Open To American Tourists

All Countries Reopening – The Complete List

Tests Required For Returning to the USA from Abroad

For Breaking Travel Reopening News & Questions, Join Our: Facebook Community


Originally published August 5, 2020 with updates

World Health Organization Warns Against Vaccine Passports For Permission To Travel
World Health Organization Warns Against Vaccine Passports For Permission To Travel
New Hotel Quarantine Data Reveals Only 1% of Travelers Tested Positive
New Hotel Quarantine Data Reveals Only 1% of Travelers Tested Positive


Friday 19th of March 2021

Can you tell me what companies cover for Covid for someone 79 years old.


Wednesday 10th of March 2021

At 74 yrs old I can't find a travel insurance company to cover me. I guess they think life ends at 70 yrs old.


Wednesday 23rd of September 2020

Looks like safety wing is by far the cheapest. From what you know are they pretty reputable especially with covid issues?