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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:

U.S. Department of State

World Health Organization

Center for Disease Control and Prevention

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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.

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Recommended Plans

Liaison Travel Medical Insurance for International Travelers

Comprehensive international health insurance is an important part of your travel plans to ensure you’re protected if you become sick or hurt while abroad. The Liaison family of plans includes 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. No matter where you go, Liaison Travel Medical plans follow you with comprehensive medical coverage, an extensive network of providers, and 24- hour travel assistance. To review the plan benefits, obtain a quote, and purchase a plan, see the Liaison Travel Medical product brochure.

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Underwriter: Lloyd’s, London

AM Best Rating: A (Excellent)

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Explore North America Plus - Corona Virus Travel Insurance

It’s simple — if you contract COVID-19 on your trip, you’re covered up to the stated amount. You can also be covered for other illnesses and injuries that occur while traveling, as well as the acute onset of a pre-existing condition. Non-United States residents and non-United States citizens at least 14 days old and younger than 75 years may buy this plan.

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AM Best Rating: A (Excellent)

Underwriter: Lloyd’s, London and Tramont

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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. 

Backpacker

Trip cancellation for US citizens and US Residents travelling to other countries or domestically

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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

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AM Best Rating - A+

Underwritten By: United States Fire Insurance Company

Underwritten Location: 5 Christopher Way, Eatontown, NJ 07724

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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

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AM Best Rating - A+

Globally recognized underwriters

 A-rated Sirius International Insurance Corporation (publ) and certain underwriters at Lloyd's

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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.

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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.

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Underwritten by: Nationwide