Covid-19 Travel Insurance
If you're planning on traveling internationally during the Covid pandemic, it's important to have Covid travel insurance. Although monitoring the CDC for travel recommendations and restrictions is one way to be a smart traveler, your best bet is to purchase Covid-19 travel insurance.
You may be wondering whether you can purchase travel medical insurance or trip insurance with specific Covid coverage? You can do both. Travel medical insurance can help with costs if you contract Covid while traveling, and trip insurance will offer financial reimbursement of non-refundable expenses if you have to cancel your plans due to Covid. Not only that, but you can also purchase student insurance or green card plans that include coverage for Covid-19.
Whether you're wondering about travel restrictions to the U.S., or you are anticipating a trip to another country, let’s take an in-depth look at some facts and frequently asked questions about Covid travel insurance, and ensure that you're well-prepared before you set out on your adventure.
Additional resources and links for inquiries about the Coronavirus:
Covid 19 World Visualizer map
Click this world globe to view live Covid-19 statistics from around the world as they happen
Tips for International Travelers
As the Omicron strain of Covid spreads globally, international travel presents a host of new challenges.
Here's a rundown of what international travelers should expect and how they can prepare for their travels abroad.
-
Check the travel alerts and the latest flight information on airline websites and authoritative country-and-state-specific sites based on the itinerary.
-
Keep the Proof of Vaccination card ready to show to the airline, or local authorities.
-
Be prepared to present proof of a recent negative Covid test (RT-PCR). Depending on your airline and destination the requirement the test will need to be taken within 12 to 72 hours of boarding the plane.
-
Have other country-specific documents such as a signed copy of self-declaration, ready.
-
Expect to take covid tests not only upon arrival at the destination, but also at other times throughout your trip and return home.
-
Adhere to mandatory quarantines at the destination. The length of which will depend on your destination country.
-
Anticipate sudden changes to entry requirements.
-
Adhere to mandatory quarantines at the destination. The length of which will depend on your destination country.
-
Anticipate sudden changes to entry requirements.
-
Plan for flight delays, cancellations and schedule changes.
-
Be aware of the type of masks required by the airlines and the destinations. Some airlines no longer accept cloth coverings.
-
Keep digital and paper copies of all your important papers and records.
-
Carry some amount of currency from the destination country.
Recommended Plans
Travel Medical Insurance - Including USA
International Travel to the USA. These plans include customizable medical coverage, a network of medical providers, and 24-hour travel assistance, along with the option to add COVID-19 coverage through their Plus plan.
Examples of eligible purchases for Travel Including the USA
-
A non-U.S. resident and non-U.S. citizen is traveling to the USA.
-
A non-U.S. resident and non-U.S. citizens is spending part of their trip in the USA.
-
An Irish citizen and resident is flying to Mexico and has a layover in the USA.
-
A Mexican citizen and resident is driving through the USA to Canada.
2 Plan Levels available
-
Basic Plan
-
Plus Plan (Plus covers COVID the same as any illness for all ages)
The plan covers typical vacation activities. If you plan to participate in more adventurous activities when you travel, consider buying additional optional coverage that includes: Bungee jumping; caving; hang gliding; jet skiing; motorcycle or motor scooter riding whether as a passenger or a driver; parachuting; paragliding; parasailing; scuba diving only to a depth of 10 meters with a breathing apparatus provided that you are SSI, PADI or NAUI certified; snowmobiling; spelunking; wakeboard riding; water skiing; windsurfing; or zip lining. You must purchase this optional coverage if you wish to be covered while riding a motorcycle, motor scooter, or similar transportation when such transportation is an established and accepted routine means of public transportation for hire in the specific geographic area where you are located in the host country.
AM Best Rating: A (Excellent)
Underwriter: Crum & Forster SPC
Travel Medical Insurance - Excluding USA
International Travel outside of the USA. These plans include customizable medical coverage, a network of medical providers, and 24-hour travel assistance, along with the option to add COVID-19 coverage through their Plus plan.
Examples of eligible purchases for Travel Excluding the USA
-
A U.S. resident is traveling outside the USA.
-
A non-U.S. resident and non-U.S. citizen is traveling outside the USA.
-
A French citizen and resident is flying to Iceland and returning home.
-
An Australian citizen and resident is flying to Europe, Africa, and Canada.
3 Plan Levels
-
Basic, Choice & Plus
-
Plus covers COVID in two tiers
-
Same as any illness up to Age 65
-
Up to $100,000 for Ages 66 and up
-
The plan covers typical vacation activities. If you plan to participate in more adventurous activities when you travel, consider buying additional optional coverage that includes: Bungee jumping; caving; hang gliding; jet skiing; motorcycle or motor scooter riding whether as a passenger or a driver; parachuting; paragliding; parasailing; scuba diving only to a depth of 10 meters with a breathing apparatus provided that you are SSI, PADI or NAUI certified; snowmobiling; spelunking; wakeboard riding; water skiing; windsurfing; or zip lining. You must purchase this optional coverage if you wish to be covered while riding a motorcycle, motor scooter, or similar transportation when such transportation is an established and accepted routine means of public transportation for hire in the specific geographic area where you are located in the host country.
AM Best Rating: A (Excellent)
Underwriter: Lloyd’s of London and in specific scenarios Tramont Insurance Company
Safe Travels Explorer
Budget-friendly travel protection plan designed for leisure or business travel for domestic and international trips. This plan includes Worldwide 24/7 Emergency Assistance Services, Trip Cancellation and Interruption, $50,000 Emergency Medical Expense as well as baggage and many other essential benefits while you travel. COVID-19 MEDICAL EXPENSES are covered and treated the same as any other sickness.
Trip cancellation for US citizens and US Residents travelling to other countries or domestically
Underwritten by Crum and Forster, SPC
Patriot America Plus
-
COVID-19 coverage for travelers to the U.S.
-
Coverage for non-U.S. residents traveling to the USA
-
Coverage for acute onset of pre-existing conditions
-
Renewable up to 24 months
-
Deductible options from $0 to $2,500
-
Maximum Limits from $50,000 to $1,000,000
AM Best Rating - A+
Underwritten By: United States Fire Insurance Company
Underwritten Location: 5 Christopher Way, Eatontown, NJ 07724
Patriot Platinum Travel
-
COVID-19 covered same as any other illness
-
Travel medical insurance for individuals, families and groups
-
Coverage for acute onset of pre-existing conditions
-
Renewable up to 36 months
-
Deductible options from $0 to $25,000
-
Maximum limits from $2,000,000 to $8,000,000
AM Best Rating - A+
Globally recognized underwriters
A-rated Sirius International Insurance Corporation (publ) and certain underwriters at Lloyd's
Safe Travels Voyager (For US Citizens)
The Safe Travels Voyager is designed for those who are looking for the highest available benefit limits to protect your trip. This plan covers trips up to $100,000 for trip cancellation and includes a $250,000 per person limit Primary Medical Coverage with coverage for Pre-Existing Medical conditions on plans purchased prior to or with final trip payment. Includes minimum coverage of $2,000 for potential quarantine accommodations/lodging expenses. COVID-19 MEDICAL EXPENSES may be covered and treated the same as any other sickness. Meets Costa Rica Travel Insurance Requirements.
The Optional Cancel for Any Reason (CFAR) provides reimbursement for 75% of the prepaid, non-refundable, forfeited payments you paid for your trip if you cancel your trip for any reason not otherwise covered by this policy. Must be purchased with initial policy and within 21 days of the initial trip deposit date, and the full, nonrefundable trip cost is insured. This plan is only available to U.S. Citizens and U.S. Residents and can be purchased for a trip cost of $0 to $100,000. It includes $250,000 of primary Medical Coverage and Trip Delay of $2,000 for accommodations/lodging expenses.
Upon purchase, you will receive a visa letter that you can upload using this link - https://salud.go.cr - to the Costa Rica Health Pass website and complete the required paperwork to get your QR code to show airport authorities upon arrival to Costa Rica.
Underwritten by: Nationwide
Safe Travels International Cost Saver (For Non US Citizens)
Travel Medical and other benefits, for anyone while traveling from their Home Country but NOT valid for travel from, in, or to the United States of America. Rates are based on age and plan options. Effective 1/28/2021 at 11AM, This plan includes $2,000 of trip delay quarantine lodging expenses and $2,500 of Unexpected Recurrence of a Pre-existing condition benefit.
This Coverage can be purchased for a minimum of five (5) days up to a maximum364 days. If a minimum of 5 days is purchased, the policy term may be extended with uninterrupted coverage for up to 2 years. COVID-19 EXPENSES, up to the amount selected, are covered and treated as any other sickness. This is stated on the VISA Letter and in the policy wording that you receive with the order. **Plans purchased after January 28, 2021 at 11AM CST meets Costa Rica Rica requirements to get a Health Pass.
This plan is not available to US citizens unless they live in the origin country.
Underwritten by: Nationwide