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How To Find A Travel Insurance Policy That Covers Covid-19?

Updated on October 06, 2021 12:00 am
Father son reunion

Nationwide lockdowns imposed around the globe have kept millions of many families apart. As countries are now slowly opening their borders to international tourists, that long-awaited reunion is close.

Eased travel restrictions and the global vaccination rollout will also nudge many individuals desperate to travel after spending years in isolation.

The bad news is that not all travel insurance covers COVID19. The good news is that there are smart ways to ensure your trip against COVID19 and other pandemic-related risks such as borders suddenly closing down due to a surge or change in quarantine policies.

Everyone including the fully vaccinated population may be apprehensive of changing norms, unexpected breaks in their travel plans, or being stuck in a foreign country for months.

Recognizing the threats that the COVID19 outbreak exposed, travel insurance policymakers have adapted and modified their existing insurance coverage plans accordingly. These may include but are not limited to:

  • Trip cancellation charges on account of contracting COVID19
  • Reimbursement of incurred medical treatment expenses due to COVID 19 on a trip 
  • Expenses incurred when asked to quarantine by a physician before or after a trip
  • Loss of income due to a loss of job during the pandemic for no reason of your own
  • And on sudden cancellation of scheduled flights or flight delays during your trip

Several travel insurance policies now offer "Cancel For Any Reason" coverage that protects travelers from sudden cancellation for any reason. However, CFAR is a time-sensitive benefit with eligibility requirements for which an individual must qualify.

Traveling amidst a pandemic means following safety rules, restrictive regulations, and adhering to different quarantine measures upon entering a new country each time.

Therefore, you need travel insurance policies that cover not only medical expenses while traveling but also unforeseen scenarios such as emergency medical evacuation, trip cancellations, or interruptions due to COVID19, besides other conditions covered under a travel insurance policy.

Before you purchase any policy, ensure to read all plan documents carefully to understand all benefits and eligibility requirements that differ across travel insurance policies.

What Must Your Travel Insurance Plan Cover Under Covid-19?

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There is no one-size-fits-all when it comes to Travel Insurance: some people travel regularly for work, some work for months and years to save up for a single trip, and some may have to travel urgently for a family emergency.

Traditionally most travel insurance policies and plans cover expenses on account of medical emergencies, trip cancellation, interruption or delays, medical evacuation, and lost, damaged, or stolen luggage. However, given the current times, you must look for specific policies covering COVID19.

Benefits To Look For In Your Travel Insurance Plan

Medical Insurance Coverage is offered as a comprehensive part of a travel insurance plan. Good travel insurance and travel medical insurance plans should provide coverage for medical expenses incurred while traveling abroad.

Charges covered are immediate medical treatment on being diagnosed by a physician upon entering a new country, transportation to the nearest medical facility, and in some cases, partial or full responsibility for return to your home country.

While a travel medical insurance plan will cover medical treatment charges abroad, a travel insurance plan will only cover charges to transport the policyholder to the nearest health center and at the most make arrangements to send you back home for proper treatment.

One must check thoroughly with the insurance company about the policy's global benefits, application, and eligibility on medical conditions and coverage provided when abroad.



Emergency Medical Evacuation Coverage provides transport assistance in the event of sudden illness, injury and on the advice of a physician you need immediate hospitalization. Usually to ensure that you are transported to a facility near your home.

In the case of the COVID19 situation, one may have to quarantine as per regulation then one can make a choice in advance as to which hospital, health center, or medical treatment they prefer.

Ensure to check if your travel insurance plan covers hospitalization charges on account of contracting Coronavirus. Apart from COVID19, some travel medical insurance may also cover other medical conditions including acute onset of pre-existing conditions.

Please note that coverage for pre-existing conditions is not the same as the coverage for acute onset of pre-existing conditions.

We recommend reading the fine print of your insurance plan to learn which illnesses or medical conditions are excluded and included.

Trip Coverage including interruption or reimbursement against pre-paid, non-refundable expenses in case of unexpected situations making your travel plans short. Especially in the current scenario with the evolving delta variants of the COVID19 virus, health risks are at large.

Apart from the impact of the pandemic, there are chances of your trip coming to a halt on account of sudden health issues or the occurrence of unforeseen events, with no fault of your own, these events may affect the duration of your trip.

However, there are specified exclusions and inclusions stated in policies that will differ from plan to plan. Ensure to check that your travel insurance policy does cover possible situations on account of COVID19.

Whether you are a seasoned traveler or traveling for work or education purposes, or visiting your family and friends, it is always recommended that you purchase a travel insurance policy to protect yourself from any travel-related emergencies regardless of the prevalence of a global pandemic.

Finding A Travel Insurance Policy That Suits Your Needs

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Finding the right travel insurance policy that suits your needs is not hard. Although insurance plan coverage may be limited to state governing policies and eligibility criteria, studying and comparing insurance plans are easily available online at our fingertips.

You are probably reading this because you are a CompareRemit user. And as a money transfer marketplace, we help millions of people around the world like yourself save money on transfer fees and get a higher exchange rate by comparing different money transfer service providers.

So naturally, if we are recommending travel insurance plans that cover COVID19, we insist you use a travel insurance Marketplace like VisitorsCoverage that empowers you to compare different insurance policies thereby helping you with information to purchase the best travel insurance plan that serves your specific needs.

VisitorsCoverage also has licensed customer service reps who can help you if you have questions or doubts, they assist you in finding the best suitable travel insurance plan for you, your family, and your loved ones.

With options to generate a quote online, providing a Toll-Free line for assistance, email in case you prefer email over a call, and what's more, you can even WhatsApp your queries to them. You can opt for their assistance both online and offline.

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