Best Travel Insurance for COVID

Written and researched by Michael Kays (Travel Insurance Expert) | Fact Checked by Danya Kristen (Insurance Agent).

Looking to travel, but worried whether your travel insurance covers COVID? Well, here are the best travel insurance plans that cover COVID 19.

But first, you need to understand how travel insurance for COVID works.

COVID and Travel Insurance

Little bit of history. When COVID was announced a pandemic in March 2020 by the World Health Organization, travel insurance plans didn’t work the way they do today.

The one question everyone traveling had on their mind was whether travel insurance plans would cover COVID.

And travel insurances was on a wait and watch mode. COVID escalated and became a global pandemic that made it evident that we need to learn to live with it until a vaccine is available.

Fast forward to July 2020, certain travel insurance companies have officially included COVID 19 in their list of covered diseases.

What does it mean?

Well, it means that now if you get infected with COVID 19 when traveling, provided you have a travel insurance plan that covers COVID 19, you can cover your medical expenses.

Recommended Plans

✅ Atlas America

Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.

✅ Safe Travels Comprehensive

Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).

✅ Patriot America Platinum

Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.

Does travel insurance cover COVID 19?

Yes. As of July 16th, 2020 certain travel insurance plans have re-designed their plans to cover COVID 19 and coronavirus.

What does travel insurance for COVID cover?

Usually, when a travel insurance plan covers COVID 19, it will take care of medical expenses related to testing and treatment of COVID, just like any other disease.

For example, when you travel to USA, and say, get infected by COVID, you’d be tested and hospitalised like any other disease, say a flu. At this point, the travel insurance plan will behave like covering for any other disease, and cover you where eligible.

Best Travel Insurance covering COVID

Here are the best travel insurance plans for COVID.

1. Atlas America
2. Safe Travels USA Comprehensive
3. Safe Travels USA Cost Saver
4. Atlas Essential America
5. Atlas Premium America

Which is the best travel insurance for COVID and Coronavirus?

I’d recommend Atlas America and Safe Travels USA Comprehensive as the best travel insurance plans for COVID 19.

Can you travel during the pandemic?

Yes. But you have to be careful about where you travel to and whether or not those areas/countries are restricted from travel.

Some travel insurance companies have riders talking about how and why to avoid certain countries from travel. Please read the offers carefully before figuring out which ones affect you.