does tsb travel insurance cover covid

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The 5 Best COVID-19 Travel Insurance Options

Travelex Insurance Services »

Allianz Travel Insurance »

World Nomads Travel Insurance »

Generali Global Assistance »

IMG Travel Insurance »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best COVID Travel Insurance Options.

Table of Contents

• Travelex Insurance Services
• Allianz Travel Insurance
• World Nomads Travel Insurance

Even though COVID-19 is no longer considered a global emergency, concerns around illness-related costs remain for many travelers. If you're looking for travel insurance that covers COVID – as well as other potential disruptions like flight delays and lost luggage – these are your best options.

• Travelex Insurance Services: Best Optional Coverage Add-ons
• Allianz Travel Insurance: Best for Multitrip and Annual Plans
• World Nomads Travel Insurance: Best for Active Travelers
• Generali Global Assistance: Best for Comprehensive Travel Insurance
• IMG Travel Insurance: Best for Travel Medical Insurance

Plans include coverage for COVID-19

Optional CFAR coverage is available with Travel Select plan

Some coverages require an upgrade, including rental car collision, accidental death and dismemberment, and more

Not all add-ons are available with every plan

SEE FULL REVIEW »

Allianz offers some travel insurance plans that come with an epidemic coverage endorsement

Single-trip, multitrip and annual plans available

COVID-19 benefits don't apply to every plan

Low coverage limits with some plans (e.g., only $10,000 in emergency medical coverage with OneTrip Basic plan)

24-hour travel assistance services included

More than 200 sports and activities covered in every plan

Low trip cancellation benefits ($2,500 maximum) with Standard plan

No CFAR option is offered

Free 10-day trial period

Some coverage limits may be insufficient

Rental car damage coverage only included in top-tier Premium plan

Offers travel medical insurance, international travel health insurance and general travel insurance plans

Some plans include robust coverage for testing and quarantine due to COVID-19

Not all plans from IMG offer coverage for COVID-19

Cancel for any reason coverage not available with every plan

Frequently Asked Questions

When comparing COVID-19 travel insurance options, you'll want to make sure you fully understand the coverages included in each plan. For example, you should know the policy inclusions and limits for COVID-related claims, including coverage for testing, treatments, trip cancellation or COVID-related interruptions that can occur. Meanwhile, you should understand how your coverage will work if you contract some other illness while away from home.

Also ensure your travel insurance coverage will kick in for other mishaps that occur, and that limits are sufficient for your needs. If you're planning a trip to a remote area in a country like Costa Rica or Peru , you'll want to have emergency evacuation and transportation coverage with generous limits that can pay for emergency transportation to a hospital if you need treatment.

You can also invest in a travel insurance policy that offers cancel for any reason coverage. This type of travel insurance plan lets you cancel and get a percentage of your prepaid travel expenses back for any reason, even if you just decide you're better off staying home.

It depends on your private health insurance provider and/or travel insurance policy. As of May 11, 2023, private health insurers are no longer required to cover the cost of COVID-19 testing. Out-of-pocket costs for COVID-19 test kits at local drugstores and on Amazon are relatively affordable, however.

As you search for plans that will provide sufficient coverage for your next trip, you'll find travel insurance that covers COVID-19 quarantine both inside and outside the United States. However, you'll typically need to have your condition certified by a physician in order for this coverage to apply. Also make sure your travel insurance plan includes coverage for travel claims related to COVID-19 in the first place.

Many travel insurance plans do cover trip cancellation as a result of COVID-19, although the terms vary widely. You typically need to be certified by a physician in order to prove your condition. Disinclination to travel because of COVID-19 – such as fear of exposure to illness – will generally not be covered. This means you will actually have to test positive for coronavirus for benefits to apply; simply not wanting to travel is not a sufficient reason to make a claim.

If you want more flexibility in your COVID-19 travel insurance, ensuring you have a cancel for any reason policy may be your best bet, but be sure to check with your chosen travel insurance provider to assess your options.

Why Trust U.S. News Travel

Holly Johnson is an award-winning writer who has been covering travel insurance and travel for more than a decade. She has researched the best travel insurance options for her own trips to more than 50 countries around the world and has experience navigating the claims and reimbursement process. Over the years, Johnson has successfully filed several travel insurance claims for trip delays and trip cancellations. Johnson also works alongside her travel agent partner, Greg, who has been licensed to sell travel insurance in 50 states.

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Do I still need Covid travel insurance cover? What you need to know and how to find the best deal

• Most travel insurance policies offer cover for Covid medical expenses 
• Over 90% of policies cover cancellations due to a positive Covid test
• But how much money travellers get back will depend on policy small print   
• Some policies also have exemptions for non-vaccinated customers 
• This is Money explains what to look out for when booking holiday cover 

By Emilia Shovelin For Thisismoney.Co.Uk

Updated: 09:36 EDT, 27 April 2022

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It has been more than two years since the the UK was first put under Covid travel restrictions in March 2020. 

The years that followed were torrid one for the travel industry, with holidays abroad dropping around 75 per cent in the 12 months afterwards.

But with most restrictions now having ended for those living in the UK, many are looking forward to taking their first trip away in some time. 

But unfortunately, Covid continues to disrupt holiday plans and sometimes even cancel them altogether. That means that getting the right insurance is still important. We explain more below.

Travel experts are advising holidaymakers to read the fine print when it comes to your Covid protection to ensure you don't get caught out by positive tests or isolations abroad

Though self-isolating is no longer a legal requirement for those with Covid in the UK, it is still recommended by the NHS. 

What's more, some countries around the world still require a negative Covid test on entry. 

With cases now on the rise in some places, there is also the risk that holidaymakers could catch Covid while abroad and need treatment, or to be taken home. 

How to compare travel insurance

The quickest and easiest way to save money on travel insurance and compare the best policies is to use a comparison site.

While results will broadly be the same across most comparison sites, they may slightly differ, so it is worth checking a couple. 

However, those with pre-existing medical conditions may struggle to get appropriate travel insurance at a reasonable price using price comparison websites.

People in this situation can find travel cover using the 'find a broker' tool from the British Insurance Brokers' Association or call 03709501790.

For comparison websites, we suggest: 

MoneySupermarket

Compare deals from 35 leading providers

Confused.com

See how much you can save from a few days to an annual policy  

Also check insurers such as Direct Line that does not appear on comparison sites and if you have previous serious medical issues consider a specialist insurer or broker.

Affiliate links: If you take out a product This is Money may earn a commission. This does not affect our editorial independence. 

What should travel insurance cover? 

According to Which?, those booking a holiday at the moment should look out for three key things in their travel insurance policy, if they want to be covered for all possible Covid-related scenarios: 

• Coronavirus medical and repatriation cover: To cover them if they are infected when they are abroad
• Coronavirus cancellation cover:  So they can claim a refund if Covid stops them travelling for any reason
• Scheduled airline failure insurance:  To cover them if their airline goes bust. This has become more common as operators struggled during the pandemic   

Looking at travel policies more generally, it recommends that holidaymakers have the following levels of cover for the typical trip: 

• Emergency medical cover  - £5million worldwide 
• Cancellation, curtailment and missed departure  - £2,000 or the total value of the holiday 
• Personal belongings and money  - £1,500 
• Personal liability  - £1million 

99 per cent of travel insurance providers currently offer cover for Covid medical expenses as standard, with 93 per cent covering cancellations due to a positive Covid test

According to Matt Sanders of comparison site Go Compare, 99 per cent of travel insurance providers  offer cover Covid medical expenses as standard, with 93 per cent covering cancellations due to a positive Covid test as standard.

 However, different providers will have different small print, and different limits when it comes to how much travellers can claim.

'Each travel insurer will have different levels of Covid cover, so it’s important to check the medical, cancellation and Covid cover parts of your policy to make sure you have the right cover in place,' says Sanders. 

'It’s important to check whether your policy allows you to cancel due to Covid-19 illness or isolation; covers your medical expenses and flight home if you are ill; extend your stay if necessary; or covers you for airline or tour operator failure. 

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Does vaccination status affect travel insurance  .

It is also worth checking what coverage you have depending on your vaccination status.

Go Compare has found that, out of the 826 annual travel insurance policies currently available, 16 per cent have a vaccination exclusion – meaning that those who aren’t vaccinated will be excluded from certain parts of the Covid cover.

Around 12 per cent of insurance policies exclude both medical and cancellation cover for those who have not had a vaccine, while 3 per cent exclude them from medical cover only and 1 per cent exclude them from cancellation cover only.   

It is also essential that travellers consult the latest Foreign Office travel guidelines to find out whether it is safe to travel to their destination. 

Says Sanders: 'If you decide to travel against their advice, it’s very likely that you won’t be covered by your travel insurance at all.'

Most countries now only require proof of full vaccination, instead of a PCR test

Do I need specific protection for Covid lockdowns? 

While we would like to hope that lockdowns are a thing of the past, travel experts suggest that holidaymakers protect themselves against the worst-case-scenario.

So they do advise getting cover for a situation where a lockdown, either in the UK or abroad, stops them from travelling.  

If lockdown restrictions in the UK don't allow travel, the Competition and Markets Authority (CMA) says that customers should get a full refund from the company they booked with. 

This is in the case of a package holiday, however, and those booking their own flights and hotels will need to check the refund policies of the companies concerned.  

Those whose travel plans are thwarted by a lockdown is in the country they are travelling to will need to claim on their travel insurance - and whether a refund will be issued depends on the policy's fine print. 

Sanders says: 'If your travel insurance policy includes cancellation cover, and you booked your trip before a lockdown was announced or the Foreign Office issued its travel advice, then you should be covered.

'However, travel insurance won’t cover you for cancellation if you booked your trip after the Foreign Office advised against travelling, or if you cancel it yourself because you decide you don’t want to go.'

Customers should ensure their travel insurance covers the full cost of their trip, as some have limits on how much they are willing to pay back if it is cancelled. 

Many Britons are looking forward to heading off on holiday - but even though the legal requirement to self-isolate has been scrapped, a positive Covid test could still scupper plans

Will my insurance cover me if I test positive for Covid before travelling, now I don't legally have to isolate?

Fully vaccinated travellers no longer need to take Covid tests before departing from, or after arriving in, the UK. 

But even with this rule relaxation, a positive Covid test could still wreck their holiday plans. 

Many of those who test positive will still decide to self-isolate, and even if they decided to attend their holiday anyway, they could be denied entry. 

When booking travel insurance, customer should look out for 'coronavirus cancellation cover' to see what scenarios they are covered for. 

Most should cover cancellation as standard if someone tests positive, but they may need to opt in to an additional charge to ensure they are completely protected.

If someone tests positive while on holiday, they need to follow the advice of the local authorities when it comes to leaving the country. 

Travel insurance may cover extending their stay until they have a negative test result, but again this is something to look out for in the policy fine print.   

Will events in Ukraine affect the insurance I need?

With the unfortunate events occurring in Ukraine, it is conceivable that those heading to Eastern Europe or destinations close to it could find their plans disrupted. 

Travellers should ensure they you are covered against unpredictable circumstances where possible, including flights being cancelled or holidays needing to be abandoned. 

Sanders said: 'The invasion of Ukraine could have an effect on travel. 

'It is an unpredictable situation and could impact anything from flights being grounded if your destination is close to conflict areas, as well as the possibility of any civil unrest that could possibly spill over into acts of terrorism in other countries. 

'Pay close attention to your travel insurance policy wording to assess the level of cancellation cover you have and also again, check the Foreign Office advice before you travel.'

Compare home insurance, car insurance and travel insurance

Beat the renewal blues and compare the best deals for home, car and travel insurance.

Every year, these bills can creep up and the best way to save is to shop around to make sure your loyalty doesn't cost you.

Prices tend to be similar across most comparison sites but may vary enough to make it worthwhile to check a couple. 

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Before you start, you will need to know your home's rebuild cost for buildings insurance, plus details of previous claims. For contents you need to know the overall sum to be insured and any high value or special items.

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Car insurance costs are sky high with many drivers finding renewal quotes have rocketed from the previous year's price. 

Comparing costs is cheap and easy and can save most people money. We recommend checking one or prefrably two of: 

Plus  Direct Line and Aviva  that do not appear on comparison sites.

TRAVEL INSURANCE

It's a foolish traveller who departs without insurance, even if it only covers medical emergencies. Compare before you buy with:

Also try  Direct Line  that does not appear on comparison sites and if you have previous serious medical issues consider a specialist insurer or broker.

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How do you choose travel insurance that covers COVID-19?

Oct 26, 2021 • 5 min read

COVID-19 has made it more important to check the health coverage on your travel insurance © Maskot/Getty Images

After 18 months of pandemic-related travel restrictions, you may be itching to act on your pent-up wanderlust⁠⁠—but the situation and the rules are still continuously evolving. So before you go anywhere, it’s best to have a travel insurance plan that protects the investment you’ve made in a long-awaited trip.

A robust travel insurance plan will reimburse pre-paid trip costs and non-refundable deposits if you have to cancel or interrupt your trip, encounter trip delays, experience baggage loss or require medical expense and medical evacuation. Your policy will also reimburse “covered reasons” in your plan, such as death, illness or injury, serious family emergencies, unplanned jury duty, military deployment, acts of terrorism, or your travel supplier going out of business.

But COVID-19 has added an additional checklist to your usual insurance needs⁠—it’s now important to check to ensure your travel insurance plan includes coverage for COVID-19 medical expenses, and losses related to illness. Your policy should also cover quarantine costs if you need to self-isolate after testing positive for the virus.

What do I look for in COVID-19 insurance coverage?

When you’re shopping for a travel insurance plan that covers COVID-19, you need to do your research and read the fine print of your plan. 

Look for a travel insurance product that will protect your non-refundable, prepaid expenses if you have to cancel your trip due to illness caused by COVID-19. Your policy should also cover emergency medical treatment and emergency medical transportation. With regard to COVID-19 coverage, be sure your policy covers medical care, medicine, hospitalization and quarantine expenses.

“The type of coverage you should look for depends on you, your needs, travel dates, and the type of trip you’re taking,” says Sasha Gainullin, CEO of battleface , a travel insurance carrier. He says some travel insurance companies have now excluded COVID-19 coverage because it has been labeled a “known/foreseeable event”, while others may exclude pandemics altogether.

“It’s important to search for plans that include medical and quarantine expenses as well⁠—this will be critical in the event you become ill and need to receive treatment while traveling,” continues Gainullin. 

One additional tip is to confirm there are no exclusions based on the destinations you’re traveling to⁠—this can happen with countries under government-issued travel warnings, Gainullin says.

“If a traveler feels uncertain, I recommend speaking with the travel insurance company directly. They can review the policy details with you, answer all of your questions, and confirm all of your required coverage options are included,” he adds.

Is getting coverage dependent on vaccination?

While it’s a good idea to be fully vaccinated before traveling, vaccination is not required to purchase a travel insurance policy, says Daniel Durazo, spokesperson with Allianz Partners USA.

What are the medical costs that are covered by travel insurance?

Travel insurance can cover the cost of both medical treatment and emergency medical transportation. A US health insurance plan, as well as Medicare, generally will not cover overseas medical expenses, so it’s best to check with your personal health insurance provider if any global coverage is available. 

“While losing the cost of a trip due to an unexpected cancellation would be painful, paying for expensive emergency medical treatment or emergency medical transportation can be financially devastating,” Durazo says.  

Under a travel insurance plan, medical costs could range doctor visits, pharmacy expenses, imaging costs and covering a hospital stay if required. Other expenses that can be covered are transportation to medical care and medicine.

Read more:  Will my health insurance cover getting COVID-19 while traveling in the US⁠⁠—or abroad?

What about covering an unexpected quarantine due to COVID-19?

Many international destinations are now requiring that visitors purchase travel insurance coverage for an unexpected quarantine. Allianz Travel Insurance has added coverage to many of its products that includes reimbursement for quarantine-related accommodations if you or a traveling companion is individually-ordered to quarantine while on their trip, says Durazo. 

This coverage typically covers the cost of additional food, lodging and transportation while quarantined. In addition, trip interruption and travel delay benefits on certain Allianz plans also provide coverage if you or your travel companion is denied boarding by your travel carrier due to suspicion of illness.

The benefits for quarantine coverage vary from carrier to carrier. For example, on select Trawick International plans, they offer $2,000 in quarantine benefits and for an additional charge, and you can increase it up to $7,000. 

What about pre-flight COVID-19 testing?

Your plan may provide coverage for flights if you are turned away at a border for not passing a health inspection. Foster says Trawick’s travel insurance plans that cover COVID-19 would cover the expenses if you could not pass your pre-health inspection.  Also, the plan would cover the costs of the failure of your PCR test to return to the United States, such as having to quarantine abroad. 

It’s important to note that the actual cost of the PCR test is not covered by your policy, just the loss associated with the negative test.

Read more:  PCR tests for travel: everything you need to know

Some destinations require COVID-specific insurance coverage⁠—how do I comply with those restrictions? 

Before any international travel, you should check the country where you are headed to make sure you comply with insurance coverage requirements. Countries like Spain, Turks and Caicos and Thailand are among the nations that mandate COVID-19 insurance coverage.

“You first must check the countries’ specific COVID regulations for entry into the country. Some countries require travelers to provide proof of travel insurance that covers COVID-19 related expenses purchased from a third party,” explains Foster. Providing proof coverage is key; so travelers need to ensure they receive documentation from their insurance provider that their policy covers COVID-19 related expenses to show customs officials, she says.

Should you arrive in a country that requires proof of insurance to cover COVID-19 medical expenses and quarantine costs, and you don’t hold a policy, you will not be granted entry.

For more information on COVID-19 and travel, check out Lonely Planet's Health Hub .

You may also like:  What happens if I'm denied entry to a country on arrival? What is a vaccine passport and do I need one to travel? What is the IATA Travel Pass and do I need it to travel?

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What You Need to Know Now About Travel Insurance

A spate of new travel insurance policies have begun covering Covid-19, just as many international destinations begin to require it. Here’s what to look for.

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By Elaine Glusac

When the pandemic struck, many travel insurance policies failed to cover Covid-19-related trip interruptions and cancellations, often because they excluded pandemics. But in the intervening months, the travel insurance industry has introduced a spate of new policies covering the disease just as many foreign destinations begin to require them.

“We’ve seen progress in that many plans will now treat Covid like any other unexpected sickness or illness,” said Stan Sandberg, a co-founder of the comparison website Travelinsurance.com . “If you have a trip and travel insurance and came down with Covid-19, which made it impossible to travel, that would fall under cancellation coverage as an unexpected illness that prevents you from traveling.”

Likewise, policies now including Covid-19 would cover holders in the event that a doctor diagnosed them with the virus while traveling under the trip interruption benefit.

Not all travel insurance excluded pandemics when the coronavirus began to spread early this year; Berkshire Hathaway Travel Protection was one exception. But the broader change partially arises from consumer demand, a better understanding of the virus — including mortality rates and hospital costs — and the industry’s eagerness for travel to resume.

“People who are traveling are more conscious of their risks and thinking about protecting themselves and their investment,” said Jeremy Murchland, the president of the travel insurer Seven Corners. The company launched policies that included Covid-19 coverage in June; they now account for more than 80 percent of sales.

But, like all insurance, the devil is in the details when it comes to understanding travel insurance, including what’s covered, destinations where it’s required, and the inevitable caveats, as follows.

How travel insurance covers Covid-19

The new Covid-inclusive insurance generally covers travelers from the day after purchase until their return home. During that period, if you become sick and a doctor determines you cannot travel (because of the virus or another illness), trip cancellation and trip interruption benefits would kick in.

These benefits vary by policy, but a search to insure a $2,000 weeklong trip to Costa Rica in December on Travelinsurance.com turned up a $69.75 Generali Global Assistance Standard policy with Covid-19 benefits that would be triggered if you, your host at your destination, a travel companion or a family member tested positive for the virus.

If this happened before your departure, the policy would cover your prepaid travel expenses. If you or your travel companion contracted Covid-19 during the trip and were diagnosed by a physician, it would reimburse prepaid arrangements, such as lodgings, and cover additional airfare to return home — once a doctor deems it safe to travel — up to $2,500. Should you be required to quarantine and can’t travel, travel delay coverage for lodging, meals and local transportation would pay up to $1,000. The policy also covers medical expenses for up to one year, even after you return home, up to $50,000 — though the policy also states that a holder would have to exhaust their own health insurance benefits before seeking coverage under the travel insurance plan.

Travelers should read these policies carefully to understand the benefits (for example, some rules vary by your state of residence), but brokers like TravelInsurance.com, InsureMyTrip and Squaremouth are making them easier to find through filters, F.A.Q.s and flags.

The new more comprehensive policies don’t necessarily cost more. On a Squaremouth search for insurance for two 40-year-olds on a two-week trip costing $5,000, the site turned up a variety of policies with or without coronavirus exclusions from $130 to $300, with no apparent premium for Covid-19 coverage.

Not every Covid-19-related expense is covered by many of these policies, including tests for the virus that many destinations require before arrival (those may be covered by private insurance).

Many policies include medical evacuation to a nearby facility, but won’t necessarily transport you home. For those concerned about treatment abroad, Medjet , a medical evacuation specialist, now offers Covid-19-related evacuations in the 48 contiguous United States, Canada, Mexico and the Caribbean that will transport you to the hospital of your choice in your home country (trip coverage starts at $99; annual memberships start at $189).

“Covid-19 requires special transport pods to protect the crew and others, which adds logistical issues,” said John Gobbels, the vice president and chief operating officer for Medjet.

In addition to the Medjet plan, travelers would need separate travel insurance with medical benefits to cover treatment costs and trip interruption.

Destination insurance requirements

Travelers aren’t the only ones worried about health. A growing list of countries are mandating medical coverage for Covid-19 as a prerequisite for visiting, often along with other measures like pre-trip virus testing and health screenings for symptoms on arrival.

Many Caribbean islands are among those requiring travel medical insurance, including Turks and Caicos and the Bahamas . St. Maarten requires health insurance coverage and strongly recommends additional travel insurance covering Covid-19.

Farther-flung countries also require policies that cover Covid-19, including French Polynesia and the Maldives .

Some destinations specify the required plan as a way to ensure travelers have the correct coverage and to expedite treatment. Aruba requires visitors to buy its Aruba Visitors Insurance, regardless of any other plans you may have.

“Insurance through a destination typically only covers Covid and infection while you’re there,” said Kasara Barto, a spokeswoman for Squaremouth.com. “If you catch Covid before, they don’t offer cancellation coverage. If you break a leg, the policy may only cover Covid medication. It varies by country.”

Costa Rica also requires insurance that includes an unusual benefit stipulating a policy cover up to $2,000 in expenses for a potential Covid-19 quarantine while in the country.

In response to the new requirement, which Costa Rica announced in October, insurers, including Trawick International , have begun introducing policies that meet the standard.

“It was a pretty quick and nimble reaction,” Mr. Sandberg of TravelInsurance.com said.

Normally, travel insurance varies by factors including the age of the traveler, destination, trip length and cost (most range from 4 to 10 percent of the trip cost). But some destinations are providing it at a flat fee, with most policies spelling out coverage limits and terms for emergency medical services, evacuation and costs associated with quarantines.

Jamaica, which will require insurance, but has not said when the new rule will go into effect, plans to charge $40 for each traveler. The Bahamas will include the insurance in the cost of its Travel Health Visa, an application that requires negative Covid-19 test results, which runs $40 to $60 depending on length of stay (free for children 10 and younger). The Turks and Caicos is offering a policy for $9.80 a day, and Costa Rica ’s policies, if purchased locally, cost roughly $10 a day.

Expect this list of destinations to grow. In January, the Spanish region of Andalusia plans to require travel medical insurance and is working on finding a provider to make it easy for travelers to buy it.

Gaps in travel insurance

Policies that cover Covid-19 as a medical event that may cause trip cancellation or disruption, or those that provide coverage for medical treatment and evacuation still don’t necessarily cover travelers who have a change of heart when they learn they will have to quarantine upon arrival, even if they don’t have the virus. Nor are policies necessarily tied to conditions on the ground, like a spike in infections, State Department travel warnings, a government travel ban or the cessation of flights to and from a destination.

For those events, there’s Cancel For Any Reason, or CFAR, an upgrade to plans that generally only returns 50 to 75 percent of your nonrefundable trip costs.

“Prior to the pandemic, we wouldn’t necessarily recommend CFAR because most of travelers’ concerns were covered by standard plans,” Ms. Barto of Squaremouth.com said. “It’s about 40 percent more expensive and we didn’t want travelers to pay for additional coverage.” Now, she added, there’s been a surge in interest in the upgrade, including in 22 percent of policies sold at the site since mid-March.

Industry experts predict some of these outstanding issues may work their way into policies of the future as they adapt to enduring realities, much as they did after 9/11 in covering travelers in case of terrorist events, which was not the norm before.

The pandemic “was unprecedented, but once it happened, the industry has been pretty quick to react and create coverage, and that’s in the spirit of how this industry is trying to define itself, to be one of those subtle but valuable assets,” Mr. Sandberg said. “Once the world opens back up, we expect travel insurance to be much more top of mind with travelers.”

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Best COVID-19 Travel Insurance Companies (2024)

with our partner, Faye

Sarah Horvath is a finance writer and researcher based in New York City. She specializes in writing about home warranties, insurance and home financial protection.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Here’s a breakdown of how we reviewed and rated the best travel insurance companies

According to our research, the best travel insurance companies offering COVID-19 coverage are Faye and Travelex. While some travel insurance policies now classify COVID-19 as a standard inclusion under medical expense and evacuation coverage, others include varying terms.

As the world continues to navigate the COVID-19 pandemic, hotels, airlines and other hospitality-related businesses have seen a surge in travelers . However, the concern of a new variant is consistent —  experts have identified new strains of COVID-19 as recently as Dec. 2023, which could cause some travelers to consider purchasing travel insurance.

Compare Top Travel Insurance Companies with COVID-19 Coverage

Use the table below to compare COVID-19 coverage inclusions and details of travel insurance companies:

The Best COVID-19 Travel Insurance Plans

• Faye: Our top pick
• Seven Corners: Best for visitors to the USA
• Tin Leg: Best for customizable coverage
• Allianz Travel Insurance: Best for concierge services
• TravelSafe: Best for additional AD&D coverage
• Generali: Best for trip interruption coverage
• John Hancock Travel Insurance: Best for delay coverage
• Trawick: Best for student travel insurance
• HTH Travel Insurance: Best for group travel

We pulled price quotes for four vacations outlined in our methodology at the bottom of this page. The costs in this article reflect the premium for each of those four trips for each provider averaged together.

Why We Picked It

Faye is our top choice for COVID-19 travel insurance because it includes a robust set of protection to support policyholders both before and after diagnosis. The company classifies COVID-19 as a standard illness under its medical insurance policies, which means you can use any medical and evacuation coverages deemed necessary by local health professionals.

Since Faye classifies its travel medical insurance as primary coverage, it goes into effect before your domestic health coverage. This is especially beneficial for COVID-19, which could lead to hospitalization in some cases and include higher diagnosis, evacuation and treatment costs.

Pros and Cons

Coverage and cost.

Add-On Options

Faye currently offers the following add-ons for international excursions:

• Cancel for any reason (CFAR) coverage
• Adventure and extreme sports protections
• Rental car coverage
• Vacation rental damage protection
• Pet care protection

Based on quotes we obtained using the seven trip profiles outlined in our methodology, Faye’s average trip cost is $298.

Another top option for COVID-related travel concerns, Seven Corners offers a wide range of medical policies, all of which include coverage for coronavirus as a standard illness. Seven Corners policies indicate that both trip interruption and cancellation coverage extends to COVID-19-related reasons, including quarantines. Missed connection coverage may even extend to your travel plans if COVID causes you to miss a portion of your trip, specifically while on a cruise . Overall, Seven Corners offers COVID-friendly policies and includes generous cancellation and interruption benefits to give you peace of mind while traveling.

Below are add-on options you may be able to include in your Seven Corners policy:

• Cancel for any reason coverage
• Trip interruption for any reason coverage
• Rental car damage coverage
• Sports and gold equipment coverage

Based on quotes we obtained using the seven trip profiles outlined in our methodology, Seven Corners’s average trip cost is $206.25.

Tin Leg’s Silver and Gold policies include COVID-19 hospitalization and diagnosis as a standard inclusion under trip cancellation and interruption benefits. Like competitors, Tin Leg’s policies include stipulations that allow you to use travel delay benefits for ordered quarantine periods, offering between $500 and $2,000 depending on your chosen coverage level. However, you will need to receive a documented diagnosis from a licensed medical professional to use your trip benefits — a home rapid test is not sufficient proof.

Below are add-on options for Tin Leg travel insurance:

• Rental car damage

Based on quotes we obtained using the seven trip profiles outlined in our methodology, Tin Leg’s average trip cost is $166.50.

Both of TravelSafe’s insurance policies for international travel include comprehensive coverages and protections for COVID-19 , with identical medical coverage and evacuation limits no matter the condition. Trip delay benefits — available up to $2,000 on the TravelSafe Classic policy — include coverage for mandatory quarantines if required by a licensed medical professional. Policyholders can also apply mandatory quarantine benefits to missed connections coverage, which adds another layer of protection if you have multi-leg trips planned.

Below are add-on options you may include to your TravelSafe policy:

• Accidental death and dismemberment (air only)
• Extended personal property coverage

Based on quotes we obtained using the seven trip profiles outlined in our methodology, TravelSafe’s average trip cost is $241.

Allianz Global Assistance

Allianz Global Assistance offers a policy endorsement to cover concerns related to COVID-19. Referred to as the “ Epidemic Coverage Endorsement ,” this benefit extends medical expense, emergency evacuation and trip delay coverage to include COVID-related situations. Like most other competitors, you will need a documented diagnosis of COVID-19 and a written order from a local government figure or medical authority requiring you to quarantine before you can use benefits.

When we requested a quote, all three available policies included the Epidemic Coverage Endorsement free-of-charge with standard pricing. However, it’s important to note that coverage for COVID-19 is not specifically written into the terms of Allianz’s policies in the same way as other illnesses, which is the standard verbiage in the industry. Be sure your policy includes this endorsement to maintain COVID-related coverage.

Below are add-ons to consider for your Allianz Travel Insurance policy:

• Rental car protection
• Required to work coverage

Based on quotes we obtained using the seven trip profiles outlined in our methodology, Allianz’s average trip cost is $265

In addition to including COVID as a standard coverage under medical, cancellation and interruption benefits, Generali Global Assistance includes the added peace of mind that comes with around-the-clock assistance. All policies include 24/7 emergency travel assistance with a multi-lingual support team, which can help policyholders communicate with medical staff. This is especially useful if you’re visiting an area where you do not speak the primary language.

However, as of Jan. 2020, newly issued policies include an exclusion that prevents you from using trip delay benefits to cover a quarantine period unless officially diagnosed with COVID-19. This exclusion does not apply if you are sick and quarantined with the virus, in which you can access your benefits to cover the cost of related expenses. This exclusion remains in effect even if a local government mandates your quarantine due to exposure — so we recommend researching the quarantine procedures for the country you’re visiting beforehand if you choose Generali.

Below are coverages you may be able to add to your Generali policy:

Based on quotes we obtained using the seven trip profiles outlined in our methodology, Generali’s average trip cost is $255. 

Under most travel insurance verbiage, COVID-19 is now considered a known threat, and the announcement of a new variant is considered a risk you accept when booking. This means that travel insurance may not allow reimbursement for trip cancellation due to concerns about the emergence of a new variant.

Cancel for any reason (CFAR) coverage extends your cancellation benefits to include fear of traveling due to COVID-19 or a new variant. In addition to classifying COVID-19 as a standard medical condition, John Hancock allows you to add CFAR coverage to a wider selection of policy choices, including its lower-cost Bronze package. Comparatively, most travel insurance providers limit your ability to add CFAR coverage to the most expensive plan.

Add-on options for John Hancock travel insurance:

• Rental car collision coverage

Based on quotes we obtained using the seven trip profiles outlined in our methodology, John Hancock’s average trip cost is $225.

Trawick International offers one policy with coverage for COVID-19: Safe Travels International . This plan includes up to $1 million in medical coverage, up to $2,000 in trip delay benefits for potential quarantines and up to $2 million in medical evacuation coverage. This general range of coverage combined with CFAR add-on availability can make Trawick a customizable choice for travelers looking to add protections that cover COVID-19 without reviewing multiple plans.

Below are Trawick International add-on options:

• 24-hour accidental death and dismemberment
• Additional accident and sickness medical coverage
• Interruption for any reason coverage
• Upgradable trip delay coverage

Based on quotes we obtained using the seven trip profiles outlined in our methodology, Trawick’s average trip cost is $212.

While HTH’s policy details do not outline special benefits specifically for COVID-19 , its plans include standard medical interruption language allowing the use of benefits if you’re hospitalized. HTH’s policies include generous medical coverage and evacuation limits of $500,000 and $1 million respectively. The company also offers higher-than-average trip interruption benefits with a maximum benefit of 200% in reimbursements.

Below are additional options that may be available through HTH Travel Insurance:

Based on quotes we obtained using the seven trip profiles outlined in our methodology, HTH’s average trip cost is $221.

HTH also offers discounted pricing for group travel insurance policies.

What To Look for in Pandemic Travel Insurance

Once you understand how travel insurance can benefit you in the event of a COVID-19 diagnosis or emergency, you can get into the details of each coverage option. We’ve compiled a few essential features to consider when shopping for travel insurance with a focus on COVID-19 coverage.

Medical Expense Coverage

If you’re traveling to an area where you think you might be at risk of catching COVID-19, consider choosing a travel insurance policy with higher medical coverage limits. Travel medical insurance can help cover the cost of medical treatments you receive outside the U.S. if you become sick or injured. Most travel insurance policy providers now classify COVID-19 as a standard illness, meaning you can qualify for reimbursement if hospitalized with coronavirus abroad. 

Trip Delay Coverage

If you contract COVID abroad, depending on the country’s requirements, you may have to undergo a mandatory quarantine period before you can leave or enter another country. In these circumstances, your trip delay benefits could help cover the cost of expenses like meals, additional hotel stays and any toiletries you might need. To qualify to use trip delay benefits, most policies state a licensed medical professional must order a quarantine for 24 hours a day, seven days a week, until expiration. 

Trip Interruption Coverage

If you’re leaving dependents or older loved ones at home and concerned about the effect COVID-19 could have on their care, consider a policy with higher trip interruption coverages. Trip interruption insurance compensates you for things like the cost of an early return flight home and unused trip expenses if you must leave your trip ahead of schedule due to a covered reason. Some travel insurance providers like Seven Corners and Travelex include the illness of a family member and hospitalization with COVID-19 as a valid reason to use interruption benefits. Other providers only consider the health status of the insured traveler.  

CFAR Coverage

CFAR coverage is an optional add-on that allows you to receive a partial trip reimbursement if you cancel your trip for a reason not covered by insurance. For all providers on our list, this includes fear of a new variant of COVID-19 emerging at home or your destination. If this is a concern for you, consider a provider like John Hancock, which offers more options for policyholders to buy CFAR-level benefits. 

Does Travel Insurance Cover COVID-19 Directly?

Most travel insurance policies now classify COVID-19 as a standard inclusion under medical expense and evacuation coverage. This means coronavirus is usually treated the same way as any other illness or injury you might sustain abroad or before your trip. While this offers protection for your travel plans if you’re hospitalized due to COVID-19, fear of new variants and minor illnesses will usually not qualify you for a reimbursement . 

Let’s take a look at sample situations when you might need to use COVID-19 coverage as a part of your travel insurance. First, say you fall sick before traveling and are diagnosed with a serious case of COVID-19. Your physician determines you require hospitalization a day before you’re supposed to travel. If you purchased travel insurance, you could file a claim to reimburse nonrefundable trip costs, such as airfare and lodging, because you’re medically unable to travel. 

Now, let’s imagine you have a trip planned to Germany. A few days before your travel, information on a new Covid variant becomes available and officials advise the public to avoid travel if possible. While you may be hesitant to travel due to the new strain, you would not be entitled to reimbursement with travel insurance unless specifically outlined in your policy. However, if you opted for CFAR coverage during enrollment, you could cancel your trip and get a refund for nonrefundable expenses regardless. 

Does Travel Insurance Cover Quarantine?

Your travel insurance policy might cover the COVID-19 quarantines if ordered by a medical professional, which includes expenses related to additional lodging. If you’re diagnosed with a new variant of the virus before your trip and forced to quarantine at home, you will usually qualify for trip cancellation benefits under your policy’s illness cancellation clause. However, travel insurance will not compensate you for additional domestic quarantine-related expenses like food and rent. 

If you’re advised to quarantine abroad after being diagnosed with COVID-19, you could also qualify for coverage under your insurance’s travel delay benefits. While travel delay benefits are designed to help cover hotel rooms and alternate airfare if you’re forced to miss a connection, you can also use coverage for mandatory quarantine orders. To qualify, you will usually need to provide documentation of both your illness and a quarantine recommendation from a local medical professional. 

If you’re concerned about the cost and possibility of an international quarantine, it’s important to look at the travel delay benefits included with your insurance coverage. Policies with higher total travel delay benefits will cover more quarantine-related expenses, which can make these policies more valuable. Be sure to note both overall and daily limits on trip delay benefits, which can also influence policy value.

How Much Does COVID-19 Travel Insurance Cost?

In our comprehensive review of travel insurance policies, we found the average cost of a plan with COVID-19 coverage is about $220 per trip. However, the price of your premium will vary depending on the level of benefits included with your policy. Browse the table below to compare how some of our top travel insurance providers compare in terms of average price and included benefits. 

Factors That Impact Cost

Factors that affect the cost of your travel insurance include your age, where you’re traveling to, the cost of your trip and the length of your trip. Adding various custom riders, like protection for a rental car or cancellation for any reason coverage, will also increase the cost.

Is Pandemic Travel Insurance Worth It?

While almost all COVID-19 restrictions are lifted in the U.S., the virus is still a global health threat. Even if travel insurance isn’t required for a trip, purchasing insurance that includes COVID-19 protections can help you avoid a financial burden if you contract the virus before or during the trip.

You might not need the pandemic travel coverage if you’re taking a low-cost trip and not crossing international borders. Your health insurance may cover medical costs within the country, and the money you lose from canceling an affordable trip could be too low to justify shopping for and buying coverage. It’s different if you pay a lot of money upfront for a long, expensive vacation.

Another option is looking at the travel protections that your credit card company provides. Some cards offer trip protection for emergencies that could include coverage if you call off a trip or end a trip early after contracting COVID-19. But travel costs usually have to be paid for with the card for them to qualify.

Frequently Asked Questions About Travel Insurance

What are the cheapest ways to get travel insurance for a pandemic.

The best way to find cheap travel insurance with pandemic coverage is by shopping around with different providers. Many offer free quotes online, and it takes minutes to check rates.

What are the advantages of purchasing pandemic travel insurance?

The advantage of pandemic travel insurance is that it reimburses prepaid travel costs if you cancel or cut short a trip because of getting COVID-19 before or during the trip. And if a family member contracts COVID-19 while you’re away, pandemic travel insurance may reimburse you for expenses related to returning home early to care for a loved one.

Can you cancel your flight if you have COVID?

Many travel insurance policies now include coverage for trip cancellations due to COVID-19. However, coverage is usually included under standard medical inclusions, which means you must be medically unable to travel at the time of your scheduled departure to claim a reimbursement. Review your specific travel insurance coverage to learn more about flight cancellation benefits.

What does travel insurance not cover?

Travel insurance usually does not cover cancellations due to fear of travel, government restrictions or pre-existing medical conditions. You generally cannot cancel your trip and claim any reimbursements unless it’s for a covered reason such as the illness or death of a family member or natural disasters. Carefully read your policy to understand the exclusions and limitations unique to your coverage.

Methodology: Our System for Rating Travel Insurance Companies

• A 30-year-old couple taking a $5,000 vacation to Mexico.
• A family of four taking an $8,000 vacation to Mexico.
• A 65-year-old couple taking a $7,000 vacation to the United Kingdom.
• A 30-year-old couple taking a $7,000 trip to the United Kingdom.
• A 19-year-old taking a $2,000 trip to France.
• A 27-year-old couple taking a $1,200 trip to Greece.
• A 51-year-old couple taking a $2,000 trip to Spain.
• Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
• Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
• Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
• Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

For more information, read our full travel insurance methodology.

A.M. Best Disclaimer

If you have feedback or questions about this article, please email the MarketWatch Guides team at editors@marketwatchguides. com .

MarketWatch Guides may receive compensation from companies that appear on this page.
The compensation may impact how, where and in what order products appear, but it does not influence the recommendations the editorial team provides. Not all companies, products, or offers were reviewed.

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Packaged Bank Account Travel Insurance

Have peace of mind when you're on holiday with travel insurance that covers you.

About Travel Insurance as part of Packaged Bank Accounts

Travel Insurance, administered by AWP Assistance UK Ltd (trading as Allianz Assistance) and underwritten by AWP P&C SA, is just one of the insurance benefits that come with our Packaged Bank Accounts . Our Silver & Platinum Accounts are packed with benefits including Family travel insurance, AA Breakdown Family Cover and mobile phone insurance for a monthly fee to maintain the account.

Travel Insurance is also a benefit on the Premier , and  Gold  accounts however these are no longer available to new customers.

If you’re a Platinum, Premier, Gold or Silver account customer, please read our FAQs (PDF, 145KB) for more information about the travel insurance which comes with your account and COVID-19. You can also visit our payment disputes page , for help if your travel has been disrupted.

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How do I make a claim?

You can log your claim online using the Allianz Assistance Hub that can be securely accessed through our Mobile Banking app or Internet Banking. If you don’t bank online, you can also call us .

Eligibility for each account

I have a silver account expandable section.

If you have a Silver Account the account comes with European Travel Insurance for you and your family (if eligible) including Winter Sports. This insurance policy is administered by AWP Assitance UK Ltd (trading as Allianz Assitance) and underwritten by AWP P&C SA.

Am I eligible for cover?

• All cover under the policy stops on the account holders 65th birthday - as long as the account holder is under 65, their spouse, civil partner or partner will be covered until they reach 65 years of age.
• Children must be 18 or under, or 24 or under if they're in full time education and must travel with the account holder, their spouse, partner, civil partner or a responsible adult. There's cover for a dependent child where they are staying with a responsible adult even if they were not accompanied during their travel to the destination.
• Subject to continued eligibility, you and your family are covered for travel within Europe as long as your Silver account is open.
• Keep in mind the cover is provided only if you will be living in the United Kingdom for at least six months during each 12 month period where all trips must start and end.

Medical conditions that you or your family have (or have had), which are not all on the ‘No Screen Conditions’ list in your policy document are not covered by this policy. To see if these can be covered you must call the insurer declaring all medical conditions, including those on the list and an extra cost may apply.  Before you book a trip you also need to let the insurer know of any new conditions or changes to existing ones. Please refer to the Silver welcome pack (PDF, 1.7MB) for full details of any exclusions.

You can log your claim online using the Allianz Assistance Hub that can be securely accessed through our Mobile Banking app or Internet Banking. If you don’t bank online, you can also call us . 

I have a Gold, Platinum or Premier Account expandable section

If you have a Gold, Platinum or Premier Account,  the account comes with Worldwide Travel Insurance for you and your family (if eligible) including Winter Sports. This insurance policy is administered by AWP Assistance UK Ltd (trading as Allianz Assistance) and underwritten by AWP P&C SA.

• All cover under the policy stops on the account holders 80th birthday - as long as the account holder is under 80, their spouse, civil partner or partner will be covered until they reach 80 years of age.
• Subject to continued eligibility, you and your family are covered for worldwide travel as long as your Lloyds Bank Gold, Platinum or Premier account is open.
• Keep in mind there is only cover for losses suffered whilst you are a UK, Channel Islands or Isle of Man resident and are registered with a Doctor in the UK where all trips must start and end.

Medical conditions that you or your family have (or have had), which are not all on the ‘No Screen Conditions’ list in your policy document are not covered by this policy. To see if these can be covered you must call the insurer declaring all medical conditions, including those on the list and an extra cost may apply. Before you book a trip you also need to let the insurer know of any new conditions or changes to existing ones. Please refer to the relevant policy document for full details of any exclusions.

Once your account has been opened, should you wish to notify the insurer of any medical condition please call us .

What does my insurance come with?

• Multi-trip  European  travel cover for you and your family (includes, if eligible, your spouse, civil partner or partner and children)
• Includes golf cover and cover for certain sports and leisure activities
• Covers UK leisure travel when two or more nights' accommodation is pre-booked (five nights for business trips)
• There's cover for you or someone covered under the policy if a booked trip needs to be cancelled because either you or they, or a companion you are travelling with is asked to quarantine on an individual basis because of exposure to a contagious disease
• Emergency medical cover (up to £10,000,000)
• Cancellation or curtailment cover (up to £5,000)
• Personal accident cover (up to £30,000)
• Baggage cover (up to £2,500, £500 of which for valuables)
• Travel disruption cover (up to £5,000)

Important note :

• The standard maximum trip duration is 31 consecutive days
• For Winter Sports maximum 31 days cover in any calendar year
• £75 excess per adult per incident may apply
• Other exclusions apply, see policy documents

Gold, Platinum and Premier Accounts

• Multi-trip  Worldwide  travel cover for you and your family (includes, if eligible, your spouse, civil partner or partner and children)
• The standard maximum trip duration is 31 consecutive days - unless you are a Premier account holder, which is 62 consecutive days
• Gold and Premier accounts unavailable to new customers

Policy documents expandable section

• Silver Account Welcome Pack opens in a new window (pdf, 2.5 MB)
• Gold Account Welcome Pack opens in a new window (pdf, 1.3 MB)
• Platinum Account Welcome Pack opens in a new window (pdf, 3.1 MB)
• Premier Account Welcome Pack opens in a new window (pdf, 1.4 MB)

Packaged Bank Account benefits

Explore the other benefits of a Packaged Bank Account. Our Silver & Platinum Accounts include Family travel insurance, AA Breakdown Family Cover and mobile phone insurance for a monthly fee to maintain the account.

Mobile phone insurance

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Does Travel Insurance Cover Infectious Diseases?

Just as we thought we’d finally gotten over the COVID-19 PTSD, there’s news of another infectious disease circulating about. Yes, we’re talking about monkeypox, or Mpox for short.

Even though monkeypox has already been around for a while, there’s now a new, deadlier and even more transmissible strain. The virus was recently brought much closer to home when an infected European traveller arrived in Bangkok from Africa. 

Of course, Mpox isn’t the only infectious disease out there—there are a whole host of diseases you might get while globetrotting, including typhoid, yellow fever or hepatitis A/B. Thankfully, there are vaccines available to help with that.

But what about the costs of treatment? Does travel insurance cover infectious diseases, especially specific ones such as COVID-19 or Mpox? The World Health Organisation has already declared Mpox a “public health emergency of international concern”. While there’s no need to go into panic mode, it’s still best to take precautions when travelling because we don’t want our trips to get affected or infect anyone else, do we?

When buying travel insurance, it’s important to scour the full policy wording document—don’t just glance through the key features or look at only the price—and fine print, especially the exclusions. You can also use a comparison tool like our MoneySmart’s travel insurance comparison tool to check the latest updates and even risk of other infectious diseases at your destination. If in doubt, contact the insurer’s customer service to be sure. 

  Let’s take a closer look at the coverage offered by various travel insurance plans. The following information is correct as of 23 August 2024.

Insurers and infectious diseases: What’s covered by travel insurance?

In general, while many travel insurance plans now include COVID-19 coverage (make sure you double-check to be sure, or top-up your premium for the add-on), some still do not cover any other infectious disease, virus, bacterium or other microorganism (whether asymptomatic or not).

It’s also important to keep up to date with the news. Don’t buy the travel insurance AFTER hearing about the outbreak, because that will likely NOT be covered since it has become a known event.

By association, infectious diseases can also mean those that are sexually transmitted. Therefore, travel insurance does not cover AIDS, HIV, or anything related. You can usually find this clause under “General Exclusions” in the policy wording document.  

What is considered an infectious disease? 

According to the World Health Organisation , an “infectious disease is one that is caused by pathogenic microorganisms, such as bacteria, viruses, parasites or fungi; the diseases can be spread, directly or indirectly, from one person to another.” These infectious diseases can be deadly, cause disability, or spread so rapidly and unexpectedly that it can cause “serious global repercussions”.

Meanwhile, Singapore’s Ministry of Health has also outlined a list of infectious diseases that infected patients must notify doctors and laboratories of, ASAP.

Travel insurance that covers infectious diseases

Let’s look at the plans from the table above in more detail.

AIG Travel Guard Direct

AIG Travel Guard® Direct - Standard

[GIVEAWAY | Receive your cash as fast as 30 days*]   Get over S$105 worth of rewards: • Includes  S$30 Trip.com Hotel Coupon and  Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased . • Plus, get up to S$40 via PayNow and S$30 Revolut cash reward with eligible premiums spent . T&Cs apply.   PLUS, score S$100 Revolut cash reward in our giveaway on top of existing rewards when you are the 8th and 88th person to sign up for a Revolut Account each week. T&Cs apply.

Key Features

Voted TripZilla's Best Travel Insurance (Single Trip).

Up to S$250,000 in overseas COVID-19 related medical coverage if you are diagnosed with COVID-19 overseas.

Overseas quarantine allowance of up to S$100 per day per person for up to 14 days if you test positive for COVID-19 overseas and are unexpectedly placed into mandatory quarantine.

Up to S$1,500 if you are diagnosed with COVID-19 and have to postpone your trip.

Up to S$7,500 in curtailment costs if you are diagnosed with COVID-19 while travelling and need to return to Singapore earlier than planned.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact AIG Asia Pacific Insurance Pte. Ltd. or visit the AIG, GIA or SDIC websites (www.AIG.sg or www.gia.org.sg or www.sdic.org.sg).

Purchase your travel insurance with confidence and enjoy unlimited flexibility with AIG's Travel Guard® Direct

AIG offers a wallet-friendly Travel Guard Direct, available in Basic, Standard, Enhanced and Supreme. While this covers an infectious disease like COVID-19, there isn’t any coverage for epidemics or pandemics (so keep a close watch on the developing news on Mpox). High-risk countries and regions are also excluded, such as Cuba, Iran, Syria, North Korea or the Crimea region.   

One thing that’s unique, though, is that the AIG Travel Guard Direct actually covers short transit stops outside of the covered region. These are transit stops that do not necessitate entry into a country or require entry into a country only to connect to another international flight within 12 consecutive hours of arrival. 

Allianz Travel

Total Premium

Allianz Travel Silver

[GIVEAWAY | Receive your cash as fast as 30 days*]   • Enjoy an exclusive 57% off your policy premium   Get over S$105 worth of rewards: • Includes  S$30 Revolut cash reward, S$30 Trip.com Hotel Coupon   and  Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased . • Plus, get  up to S$40  via PayNow with eligible premiums spent . T&Cs apply.   PLUS, score S$100 Revolut cash reward in our giveaway on top of existing rewards when you are the 8th and 88th person to sign up for a Revolut Account each week. T&Cs apply.

Plans start from $28

All Plans Provide Unlimited Emergency Transportation (Includes Covid-19 Coverage)

Allianz Travel Insurance will cover you against medical costs, cancellations and curtailments due to COVID-19, or being impacted by other pandemic or epidemic, when you are diagnosed with the disease

24/7 Medical Assistance - helping you organise things like trusted medical expertise, appointments and making direct payments (to selected medical providers)

Frequent Travellers: Get covered for an unlimited number of trips with Annual Plans (up to 90 days’ duration each trip).

The Family Plan provides cover for you and the members of your family who are travelling with you on your journey. Insured persons may comprise a maximum of two adults, who need not be related. Insured persons may also include ANY number of dependents of the two named adults. Note that ALL insured persons, including dependents, must be named on the certificate of insurance.

Allianz Travel’s travel insurance is available in Basic, Silver and Platinum. This includes COVID-19 coverage, but otherwise, also doesn’t cover epidemics or pandemics, unless otherwise stated.

We like that all of Allianz Travel plans include COVID-19 Coverage, as well as 24/7 medical assistance that helps you organise things like trusted medical expertise, appointments and making direct payments (to selected medical providers).

Bubblegum Travel Insurance

[GIVEAWAY | Receive your cash as fast as 30 days*]   • Enjoy 10% off your policy premium   Get over S$90 worth of rewards: • Includes S$30 Revolut cash reward, S$30 Trip.com Hotel Coupon and Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased. • Plus, get  up to S$25  via PayNow with eligible premiums spent . T&Cs apply.   PLUS, score S$100 Revolut cash reward in our giveaway on top of existing rewards when you are the 8th and 88th person to sign up for a Revolut Account each week. T&Cs apply.

Bubblegum offers just 1 affordable plan to suit all your travel needs to maximise your savings

Overseas medical expenses up to $150,000 SGD (Covid-19 sub-limit of $65,000 included)

24-Hour global Emergency Assistance services including Emergency Medical Evacuation and Repatriation

Covid-19 trip related cancellation/curtailment up to $600 SGD included

Adventurous activities like scuba diving and hot air ballooning are covered with no limit on depth or height.

While the affordable Bubblegum travel insurance includes COVID-19 coverage, this plan doesn’t cover any other infectious disease, virus, bacterium or other microorganism (whether asymptomatic or not). Likewise, there’s no coverage for a pandemic or epidemic, nor is there protection against any regulations such as border closures of a country, quarantine or other government orders, advisories, regulations or directives. However, this plan covers adventurous activities like scuba diving and hot air ballooning with no limit on depth or height!

DirectAsia Voyager

DirectAsia Voyager 250

[GIVEAWAY | FLASH DEAL | Receive your cash as fast as 30 days*]     • Enjoy 40% off your policy premium.     Get up to   S$55 worth of UPSIZED rewards: • Includes  up to S$25  via PayNow and S$30 Revolut cash reward  with eligible premiums spent . T&Cs apply.     S$3,200 worth of gifts to be scored on top of existing rewards: • Samsonite Apinex 69/25 Luggage (worth S$600) when you are the 88th person to submit the MoneySmart Claim Form each week. T&Cs apply. • S$100 Revolut cash reward  when you are the  8th and 88th person  to sign up for a Revolut Account each week.  T&Cs apply.

Kids go free – up to four kids travel for free with a Family policy only (2 adults)

Matching kids limits – children enjoy the same coverage limits as adults

Optional coverage for Sports Equipment & Extreme Sports are only available for Annual Policies

Optional coverage for Single Trip Travel Insurance: Maid and COVID-19.

Emergency Dental – Accidental Dental treatment can be costly, so it is covered under the main medical expenses coverage which is higher than a separate dental benefit

The DirectAsia Voyager is available in 150, 250 and 500, each corresponding to the amount of medical coverage available. For this, there’s an optional COVID-19 cover add-on available, only for single-trip plans.

  There are also some conditions when it comes to bacterial or viral infections: These are only covered if the infection was contracted overseas and there was no health warning issued prior to your departure. The same goes for epidemics and pandemics: They are covered if it was unknown when you booked your trip/bought your insurance, whichever came later.

  Do note that transit through any excluded countries is not covered. These are Afghanistan, Iran, Iraq, Libya, Nepal, North Korea, Sudan, Syria, Democratic Republic of Congo, Somalia and Yemen. 

FWD Premium

[GIVEAWAY | FLASH SALE | MoneySmart Exclusive]     • For 2 days only , enjoy up to 30% off your policy premium. Valid till 14 Sep 2024.     Get over S$65 worth of rewards: • Includes  S$30 Revolut cash reward, S$30   Trip.com Hotel Coupon and Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased . T&Cs apply.     S$3,200 worth of gifts to be scored on top of existing rewards: • Samsonite Apinex 69/25 Luggage (worth S$600) when you are the 88th person to submit the MoneySmart Claim Form each week. T&Cs apply. • S$100 Revolut cash reward  when you are the  8th and 88th person  to sign up for a Revolut Account each week.  T&Cs apply.

Enjoy cashless medical outpatient treatment in Singapore, access to emergency assistance and your travel policy documents through the FWD SG app!

Add on coverage for COVID-19 available for both Single & Annual Trips for travel period of 90 days or less.

Optional add on coverage available when your trip is cancelled for any reason for Single Trips. (To be purchased within 7 days of your initial trip deposit for your trip).

Optional add on coverage available for pre-existing Medical Conditions for Single Trips plans (up to 30 days) with S$50,000 coverage for medical expenses incurred overseas and 50% co-payment for trip cancellation, postponement and more!

FWD travel insurance plans are available in Premium, Business and First. These have COVID-19 cover as an add-on, and they do not include epidemics or pandemics. What’s interesting is that there is also a “cancel for any reason” add-on available (for single trips only), but this must be purchased within seven days of your initial trip deposit for your trip.

Do note that FWD will not pay any benefit for certain countries and regions (transit through airport included) that are Afghanistan, Belarus, Cuba, Democratic Republic of Congo, Iran, Libya, Liberia, North Korea, Somalia, South Sudan, Sudan, Syria, Yemen, as well as the territories of Crimea including Sevastopol, Donetsk, Luhansk, Zaporizhzhia and Kherson.

  According to FWD, at the current alert level of Mpox, they can cover it under an optional add-on of “cancel for any reason”. Do continue to monitor the news and any official channels if you plan on travelling.

Great Eastern TravelSmart Premier

Great Eastern TravelSmart Premier Classic

[GIVEAWAY | MoneySmart Exclusive]    • Enjoy up to 30% off your policy premium. • Get S$30 Revolut cash reward  with every policy purchased .  T&Cs apply.    PLUS, score S$100 Revolut cash reward in our giveaway on top of existing rewards when you are the 8th and 88th person to sign up for a Revolut Account each week. T&Cs apply.

Comprehensive worldwide protection with extensive medical coverage

Extended to coverage for travel inconveniences and medical expense due to COVID-19

One way coverage is available to your destination

Adventurous activities benefit - Complimentary benefits at no extra cost

Coverage for Emergency Dental Treatment, Traditional Chinese Medical (TCM) and Chiropractor treatments

Protect against pregnancy-related conditions while you are overseas

Available in Classic and Elite, the Great Eastern TravelSmart Premier travel insurance is a bit more hefty in terms of price and overseas medical coverage. Of course, there are the usual exclusions such as epidemics and pandemics; but you can still get a COVID-19 extension with your plan.

Depending on your plan, there’s also an adventurous activities benefit where you can get complimentary benefits at no extra cost. Higher-tier plans also offer coverage for emergency dental, traditional Chinese medicine and even chiropractor treatments and pregnancy-related conditions (that many other plans don’t include).

  Note that the plan does not cover any country located in Central America, South America or Africa, or any country where United Nations armed forces are active in.

HL Assurance Travel Protect360

HL Assurance Travel Protect360 Basic

[GIVEAWAY | Receive your cash as fast as 30 days*]    • Enjoy 45% off your policy premium    Get over S$75 worth of rewards: • Includes  S$30 Trip.com Hotel Coupon and  Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased . • Plus, get S$10 via PayNow and S$30 Revolut cash reward with eligible premiums spent . T&Cs apply.    PLUS, score S$100 Revolut cash reward in our giveaway on top of existing rewards when you are the 8th and 88th person to sign up for a Revolut Account each week. T&Cs apply.

Be protected from Covid-19 with Travel Protect360 Enhance, Superior and Premier Plans. Basic plans do not cover Covid-19.

Be rewarded with No Claim Discount.* Get up to 10% off your NEXT Single Trip policy if you made no claims within 30 days from policy end date.

Be it loss of baggage or insolvency of travel agencies, our COVIDSafe Travel Protect360 ensures that you are well protected from travel cancellations, travel interruptions and other inconveniences

If you have to make changes to your trip due to the COVID-19 pandemic, COVIDSafe Travel Protect360 allows you to make adjustments to your policies.

HL Assurance offers four tiers of travel insurance plans: Basic, Superior, Enhanced and Premier. These plans (except Basic) include COVID-19 coverage, but not epidemics or pandemics. There is also no coverage for travel to certain countries, such as Afghanistan, Cuba, the Democratic Republic of Congo, Iran, Iraq, Liberia, Sudan and Syria.  

Enjoy also a No-Claim Discount, where you can get up to 10% off your NEXT Single Trip policy if you made no claims within 30 days from the policy’s end date.

INCOME Standard Classic

[GIVEAWAY | MoneySmart Exclusive]   • Enjoy 55% off your Single Trip  policy premium. T&Cs apply.   Get over S$65 worth of rewards: • Includes S$30 Revolut cash reward, S$30 Trip.com Hotel Coupon and Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased. T&Cs apply.    S$3,200 worth of gifts to be scored on top of existing rewards: • Samsonite Apinex 69/25 Luggage (worth S$600) when you are the 88th person to submit the MoneySmart Claim Form each week. T&Cs apply. • S$100 Revolut cash reward  when you are the  8th and 88th person  to sign up for a Revolut Account each week.  T&Cs apply.

Forgot to purchase after departure? With Income’s Travel Insurance, you can purchase it up to a day after you have departed from Singapore. (only applicable to Per-trip plans).

Coverage for adventurous activities including scuba diving, skiing, snowboarding, bungee jumping, sky diving, hiking, hot air balloon and more.

Coverage for unexpected travel delays not caused by you. (i.e. Unexpected late plane arrival or departure)

Coverage for overseas medical expenses including treatment by a Chinese medicine practitioner or a chiropractor incurred during your trip.

In the event that you get delayed overseas due to unforeseen circumstances, your policy will automatically be extended at no extra charges.

Coverage for you and your family with unlimited number of children insured when you opt for our Family cover.

Enjoy exclusive treats for Income policyholders at https://www.income.com.sg/treats

Income’s travel insurance plans include: Standard Classic, Standard Deluxe, *Enhanced* PreX Superior, and Enhanced PreX Prestige, where PreX stands for pre-existing health conditions.  

For these Income travel insurance plans, a COVID-19 extension is included for some. Last-minute holiday goers who forgot to purchase their travel insurance after departure can also do so with Income’s travel insurance plans (per-trip only). Just make sure you do so within a day after you have departed Singapore. 

MSIG TravelEasy

MSIG TravelEasy Standard

[GIVEAWAY | FLASH SALE | Receive your cash as fast as 30 days*]   • For a limited time only, enjoy up to 55% off your policy premium. Valid till 16 Sep 2024.   Get over S$110 worth of rewards: • Includes  S$30 Revolut cash reward,   S$30 Trip.com Hotel Coupon and  Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased . • Plus, get  up to S$45  via PayNow OR 1 x Apple AirTag (worth S$45.40) with eligible premiums spent . T&Cs apply.   PLUS, score  S$100 Revolut cash reward  in our giveaway on top of existing rewards when you are the  8th and 88th person  to sign up for a Revolut Account each week.  T&Cs apply.

COVID-19 coverage of up to $150,000 medical cover and up to $1,500 travel inconvenience benefit for your trip protection.

Packaged tour coverage for insolvency of licensed travel agencies registered with the Singapore Tourism Board (includes NATAS registered travel agencies).

Get covered across all TravelEasy Plan types with a high limit of S$1,000,000 for emergency medical evacuation & repatriation

MSIG provides cover for insolvency of licensed travel agencies registered with the Singapore Tourism Board (includes NATAS registered travel agencies)

The MSIG TravelEasy travel insurance plan includes COVID-19 coverage, but naturally does not cover a pandemic or epidemic, as declared as such by the World Health Organisation or any governmental authority. Known events (such as virus outbreaks) are also not covered, so it’s likely that monkeypox won’t be covered if (touch wood) you go to a country where it’s rampant, and you get it.

According to MSIG, monkeypox is currently not a known event, thus Mpox is currently regarded as an illness unless it is declared by WHO as an epidemic or pandemic. This means that those who are fearful and want to pre-emptively cancel their holidays without a strong reason such as serious illness, won’t be able to claim. However, if Mpox escalates to epidemic or pandemic level, it will be excluded under MSIG’s travel policy coverage.

Singlife Travel

Singlife Travel Lite

[GIVEAWAY | FLASH DEAL | Receive your cash as fast as 30 days*]    • Enjoy 25% off your policy premium    Get over S$95 worth of rewards: • Includes S$30 Revolut cash reward, S$30 Trip.com Hotel Coupon and Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased. • Plus, get  up to S$30  via PayNow with eligible premiums spent . T&Cs apply.    PLUS, score S$100 Revolut cash reward in our giveaway on top of existing rewards when you are the 8th and 88th person to sign up for a Revolut Account each week. T&Cs apply.

Covers trip interruptions or cancellations due to COVID-19 and cover your medical treatment should you contract COVID-19 whilst overseas.

Covers rental vehicle excess up to S$500.

Payout of S$50** should your trip be affected by excessive rainfall.

**For single trips (minimum 3 days) where more than 50% of trip duration is affected by rainfall levels of >6.4mm in a 24-hour period.

Seamless claims experience with PayNow

Singlife Travel has Lite, Plus and Prestige plans available. COVID-19 cover extension for the higher tier plans is more than the Lite. It’s good that the policy wording documents remind travellers to take their recommended vaccinations or medications for tropical diseases, as well as warn against non-essential travel when there are travel advisories issued. These plans also don’t cover Afghanistan, Democratic Republic of Congo, Iran, Iraq, Liberia, Sudan and Syria.   

Something else that’s cool: In addition to covering trip cancellation and trip curtailment for any reason (T&Cs apply), it also covers the loss of frequent flyer points, hotel points and credit card points, and includes payout should your trip be affected by excessive rainfall.

Sompo Travel Insurance

Sompo Travel Insurance Essential

Common travel insurance benefits such as personal accident, medical expenses overseas, travel delay, loss of personal belongings.

Protection against hefty overseas medical expenses, trip cancellation costs and other essential coverage if you are diagnosed with COVID-19

This Policy is only available to you if you are living in Singapore

Frankly, for Sompo Travel Insurance, while there’s Essential and Superior, the latter is a better deal with more coverage. Both plans include coverage for COVID-19, but there’s more coverage for the higher-priced one. Do keep an ear out for travel advisories as this won’t be covered, as well as travel in, to or through places that include Afghanistan, Cuba, the Democratic Republic of Congo, Iran, Iraq, Liberia, Somalia, Sudan and Syria.  

By the way, snow/ice sports like leisure skiing and snowboarding (excludes off-piste snowboarding) are covered as well under the Premium plan. Hokkaido anyone? 

Starr TraveLead

Starr TraveLead Essential Silver

[GIVEAWAY | MoneySmart Exclusive]    • Enjoy 35% off your policy premium.    Get over S$65 worth of rewards: • Includes  S$30 Revolut cash reward, S$30 Trip.com Hotel Coupon and an  Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased . T&Cs apply.    PLUS, score S$100 Revolut cash reward in our giveaway on top of existing rewards when you are the 8th and 88th person to sign up for a Revolut Account each week. T&Cs apply.

For Cruise to nowhere insurance: Find out more here

Flexible coverage allows you to create a travel insurance plan with different types of coverage and add-ons that can adapt to your needs

Overseas Covid-19 related medical expenses of up to $30,000 SGD included (Excluding China).

Covers Travel Expenses for return of Child(ren) during the hospitalisation of the insured person.

24 hours Global Emergency Assistance Services help you when you need it most, connecting you with medical treatment and transportation

Seamless and Cashless claims via PayNow

Please note that travelling to Russia and Ukraine is not covered in Starr’s insurance with immediate effect.

Starr’s travel insurance plans come in Essential Silver, Comprehensive Silver, Essential Gold, and Comprehensive Gold. These plans include the extension of medical expenses for COVID-19. However, they exclude any loss or expenses about any other infectious disease, virus, bacterium or other microorganism (whether asymptomatic or not), as well as pandemics or epidemics. Travel to Russia and Ukraine is also not covered by Starr’s insurance.

  Starr’s plans also cover cruises. One unique selling point of Starr is that the insurer offers flexible coverage so you can create a travel insurance plan with different types of coverage and add-ons that can adapt to your needs. 

[GIVEAWAY | FLASH SALE | MoneySmart Exclusive]   • Enjoy 40% off your Single Trip policy premium and 80% off Covid-19 add-on for Annual Plans. T&Cs apply. Valid till 18 Sep 2024. • Get S$30 Revolut cash reward  with every policy purchased .  T&Cs apply.   PLUS, score S$100 Revolut cash reward in our giveaway on top of existing rewards when you are the 8th and 88th person to sign up for a Revolut Account each week. T&Cs apply.

Comprehensive Covid-19 add-on, protecting you before, during and after your trip

Covers Cruise to Nowhere

Instant claims encashment via PayNow

24-hour worldwide emergency travel support

Get paid upon a 3-hour flight delay, even without submitting a claim

Tiq’s plans allow you to add on a comprehensive COVID-19 cover for peace of mind. Otherwise, they do not cover any infectious diseases. Take note of where you will be travelling, as Tiq’s coverage excludes countries in the Sanctioned Countries List, which include Congo, Cuba, Iran, Libya, North Korea, Russia, Somalia, South Sudan, Sudan, Syria, Ukraine, and Yemen.

Zurich Travel Insurance 

Zurich Travel Insurance Basic

[GIVEAWAY | MoneySmart Exclusive]    • Enjoy up to 10% off your policy premium.    Get over S$65 worth of rewards: • Includes  S$30 Revolut cash reward, S$30   Trip.com Hotel Coupon and Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased . T&Cs apply.    S$3,200 worth of gifts to be scored on top of existing rewards: • Samsonite Apinex 69/25 Luggage (worth S$600) when you are the 88th person to submit the MoneySmart Claim Form each week. T&Cs apply. • S$100 Revolut cash reward  when you are the  8th and 88th person  to sign up for a Revolut Account each week.  T&Cs apply.    Don't let flight delays ruin your experience, enjoy free lounge access with Zurich Travel Insurance Essential or Prestige plans.

Covers adventurous activities and S$200,000 for terrorism.

Covers up to S$100,000 for accidental death and permanent disablement and S$500,000 for personal liability.

Covers up to S$50,000 for overseas medical expenses incurred during your trip.

Complimentary Covid-19 coverage up to S$50,000 for overseas medical expenses due to Covid-19. Protecting you against unexpected expenses and disruptions caused by the pandemic.

Enjoy 24/7 worldwide emergency travel assistance for medical emergencies, lost documents, or travel guidance.

For no-frills travel insurance, there’s Zurich Travel Insurance that includes complimentary COVID-19 coverage *of up to $50,000 for the Basic plan. The insurer offers 24/7 worldwide emergency travel assistance for medical emergencies, lost documents, or travel guidance.

According to Zurich, Mpox would need to have occurred within 60 days of the customers’ departure date, with the policy purchased three days before departure before a claim is valid.

So, does travel insurance cover infectious diseases?

To a certain extent, yes. As we have seen, most plans cover COVID-19, which is considered to be an infectious disease. However, once it is on the epidemic or pandemic scale, it will be excluded. Also, the infectious disease cannot be a known event. For example, if there is a known possibility of contracting monkeypox in Africa (certain countries are usually excluded by many insurers), then your trip there and any medical bills involving the infectious disease will not be covered.

In short, remember to do your due diligence, read the news, get all your vaccination shots, and scrutinise the policy wording documents of your insurance before buying. 

Found this article useful? Share it with your family and friends before their next trip.

About the author

Audrey Ng  is a bargain hunter who tries to sniff out the best deals possible whether it’s food, shopping or travel. She will out auntie the auntiest of aunties.

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What Does Travel Insurance Cover?

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Table of Contents

What is covered by travel insurance

Extras you can add to a travel insurance policy, what does travel insurance not cover, how to pick the right policy for your trip, if you want to understand travel insurance coverage.

If something goes wrong during a trip, your savings account could take a serious hit if you don’t have travel insurance. Flight cancellations, lost baggage or an accident can throw a wrench into your carefully made plans and cost a lot to rectify.

On the other hand, knowing that your trip is protected can help put your mind at ease before, during and after a vacation. But exactly what does travel insurance cover? Let’s find out.

Most plans typically cover a range of trip protections, including accidental death and dismemberment, baggage delay or loss, emergency medical coverage and evacuation, trip cancellation, delay or interruption and more. Here's a closer look at each one.

Accidental death and dismemberment

Accidental death and dismemberment insurance provides coverage for death or losing a limb or eyesight as a result of an accident. Note that death from natural causes, illness or by suicide isn’t covered, so it’s not the same thing as a life insurance policy.

Baggage delay

Baggage delay insurance reimburses the cost of essentials, such as clothes, toiletries or a phone charger, that you may need to purchase if your bag is delayed. Your baggage must be delayed over a certain number of hours to receive coverage — typically the range is from six to 24 hours, depending on the policy.

Baggage loss

Insurance for baggage loss reimburses the cost of your suitcase and belongings should a checked bag become lost, stolen or damaged during a covered trip.

Emergency medical evacuation and repatriation

This benefit covers the cost associated with medical evacuation if you have a medical emergency and you can’t be treated at the facility closest to you. It will cover transport costs to another hospital or your home country, if necessary, and also includes transportation of remains.

» Learn more: Travel medical insurance: Emergency coverage while you travel internationally

Missed connection

A missed connection benefit covers extra expenses if a common carrier delay causes you to miss an organized tour or a cruise, for example, and you need to pay extra to catch up to it at the next port of call.

Reinstate frequent traveler awards

If you paid for a trip with airline miles or hotel points and it is subsequently canceled, this benefit will cover any fees required to redeposit your rewards back to your frequent traveler account.

Trip cancellation

Trip cancellation insurance reimburses you for prepaid nonrefundable costs if you must cancel a trip for a covered reason. Reasons that are typically covered include:

Sickness or death of a family member.

Financial insolvency.

Natural disaster.

Airline strike.

Inclement weather.

Military duty.

Stolen passport or visa.

Loss of employment.

Trip delay covers costs associated with transportation, meals or lodging should your common carrier be delayed, as well as reimbursement of any prepaid, nonrefundable expenses. Trip delay coverage takes effect after a specified period of time depending on the policy, but typically ranges from five to 12 hours.

» Learn more: What you need to know about Chase’s trip delay insurance

Trip interruption

Trip interruption insurance reimburses you for unused, nonrefundable costs in the event you must cut the trip short and return home for a covered reason, including a family member’s sickness or death, terrorism, inclement weather or a natural disaster, among others.

Travel insurance plans usually don’t include coverage for every possible thing that can go wrong, but you can add optional extras to your policy for an upcharge. Check to see if your plan has the following types of coverage, and if you think you need it, you can add it in or buy a more inclusive policy.

Cancel For Any Reason

If you change your mind and decide not to go on a trip you’ve booked, you typically can’t get reimbursed for prepaid, nonrefundable expenses — unless you purchase a cancel for any reason policy separately. Depending on the policy, you usually get a portion of your prepaid expenses back (typically 50% to 75%), but you must purchase the policy within 10 to 21 days of initial payment. Note that cancel for any reason isn’t the same as trip cancellation listed above.

Rental car collision damage waiver

If your rental car is damaged or stolen, rental car insurance will protect you from having to pay for the damage or theft. Many credit cards, such as the Chase Sapphire Preferred® Card or the Capital One Venture X Rewards Credit Card , offer rental car collision damage insurance, so check whether the cards you hold have this benefit before adding it to a policy.

Pre-existing conditions

If you need coverage for a pre-existing medical condition, you must purchase a policy within the time specified by the insurance provider to be eligible for a pre-existing conditions waiver (usually ten to 21 days). Make sure that the coverage amount you enter is equal to all prepaid, nonrefundable costs for your trip.

» Learn more: The best travel insurance companies right now

Quarantine accommodations

This coverage is often part of trip delay insurance, but some providers include it and some don’t. For example, the Safe Travels Voyager plan offered by Trawick International covers lodging expenses in case you get sick with COVID-19 and have to quarantine abroad before flying home safely.

» Learn more: Travel insurance may not cover COVID-19 — unless you upgrade

Travel insurance offers coverage for many situations, but not all. Some scenarios aren’t covered by a travel policy, including:

A named storm: Most travel plans protect you from hassles stemming from inclement weather. However, a policy needs to be purchased before a tropical storm or weather event is named. If you purchase coverage after a natural disaster has begun, it won’t be covered.

Activities performed under the influence: Drug and alcohol use are a notable exception to most travel policies. If you fall off an ATV because you drank a few alcoholic beverages or took drugs before operating a vehicle, you’re no longer covered.

Extreme sports: Some high-risk sports, such as bungee jumping, scuba diving or rock climbing, aren’t covered by a comprehensive travel insurance plan. However, you can buy a separate policy for the specific adrenaline activities you’re planning to do on your vacation from World Nomads , for example.

Fear of travel because of a pandemic or another reason: This is something that would be covered under a “cancel for any reason” add-on, but a general travel policy won’t cover fear of travel.

Medical tourism: Seeking dental work in Mexico or a hair transplant in Turkey? Keep in mind that your medical expenses for elective procedures aren’t covered by a plan with emergency medical coverage.

Pregnancy: If you want to cancel a trip because you’re pregnant, you can do so only if you purchased the plan before you became pregnant. Otherwise, it’s not a covered reason. Additionally, medical costs incurred while on a trip during pregnancy might or might not be covered (check with your insurance provider).

» Learn more: What to know before you buy travel insurance

The length of trip, your age and the destination all factor into how much a policy will cost. The coverage types and their limits also influence the price tag.

Types of coverage and limits

Take a look at the terms of each policy and determine the type of coverage you need the most. Compare the coverage details and limits with the cost. If you hold a travel credit card , familiarize yourself with its benefits as some of the trip protections might be redundant.

Single trip vs. annual plan

For frequent travelers, an annual plan offers the most bang for your buck — it costs less money versus purchasing insurance for multiple single trips. An annual policy covers long international trips as well as short domestic trips in between, so you can have peace of mind all year long. But everything isn’t always included in a multi-trip plan, the coverage limits are lower and you may not be covered for pre-existing conditions.

Individual vs. family

When shopping for a quote, include everyone traveling in your party and their ages before you submit the trip details. Note that some insurance providers include free coverage for children 21 and younger if a parent is the primary policyholder.

» Learn more: 10 best travel insurance companies

Because coverage varies among the different insurance providers and policies, make sure to read over the policy terms carefully, especially if you’re looking for a specific type or amount of coverage.

If you’re still not sure whether a specific event or activity would be covered, call the insurance company and chat with a customer service representative. It’s better to be aware of what’s covered and what isn’t before you need to (but hopefully don’t have to) file a claim.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Wells Fargo Autograph℠ Card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.