The best COVID travel insurance is Seven Corners’ Trip Protection Basic, according to our analysis of travel insurance plan rates and coverage options.
Editor’s note: This article contains updated information from a previously published story.
Best COVID travel insurance of 2024
- Seven Corners
- WorldTrips
- Travel Insured
- AIG
- USI Affinity
- Tin Leg
Why trust our travel insurance experts
Our team of experts evaluates hundreds of insurance products and analyzes thousands of data points to help you find the best product for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.
- 851 coverage details evaluated.
- 161 rates reviewed.
- 5 levels of fact-checking.
Top-rated travel insurance for COVID-19
Seven Corners
Blueprint Rating
Via TravelInsurance.com's website
Top-scoring plan
Trip Protection Basic
Medical limit per person
$100,000 secondary coverage
Emergency evacuation limit per person
$250,000
What you should know
Seven Corners’ Trip Protection Basic plan is the most affordable of all COVID travel insurance plans we analyzed. This 5-star plan comes with basic coverage levels for emergency medical and medical evacuation.
If you’d like higher coverage limits, consider Seven Corners’ Trip Protection Choice plan which gets 4 stars in our rating. It’s more expensive but comes with $500,000 per person in primary medical coverage and $1 million per person in medical evacuation coverage.
Pros and cons
Pros
- A low cost option for COVID travel insurance.
- “Cancel for any reason” and “interruption for any reason” upgrades available.
- Average cost of a CFAR upgrade is lower than many competitors.
Cons
- Basic plan has secondary emergency medical coverage, not primary.
- No coverage for non-medical evacuation with Basic plan ($20,000 with Choice plan).
WorldTrips
Blueprint Rating
Via TravelInsurance.com's website
Top-scoring plans
Atlas Journey Preferred and Atlas Journey Premier
Medical limit per person
Preferred: $100,000 secondary coverage
Premier: $150,000 primary coverage
Medical evacuation limit per person
Preferred: $1 million
Premier: $1 million
What you should know
WorldTrips has two COVID travel insurance plans that tie with 4.5 stars: Atlas Journey Preferred and Atlas Journey Premier.
The Preferred plan is more affordable and provides $100,000 per person in emergency medical benefits as secondary coverage, with an optional upgrade to primary coverage. Atlas Journey Preferred is also the best travel insurance for cruises.
The more expensive Premier plan comes with $150,000 in travel medical insurance that’s primary coverage.
Pros and cons
Pros
- Both plans have top-notch $1 million per person in medical evacuation coverage.
- Each plan includes travel inconvenience coverage of $750 per person.
- 12 optional upgrades, including destination wedding and rental car damage and theft.
Cons
- No non-medical evacuation coverage.
- “Interruption for any reason” upgrade is only available with the Premier plan and only offers up to 50% reimbursem*nt if you want to end your trip early.
Travel Insured
Blueprint Rating
Via TravelInsurance.com's website
Top-scoring plan
Worldwide Trip Protector
Medical limit per person
$100,000 primary coverage
Emergency evacuation limit per person
$1 million
What you should know
Travel Insured’s Worldwide Trip Protector plan provides strong benefits overall for the price. It falls short of our emergency medical coverage benchmark but offers superior evacuation benefits at a competitive price.
Pros and cons
Pros
- Emergency medical evacuation coverage is a superior $1 million.
- Excellent 75% “cancel for any reason” upgrade available.
- Very good 75% “interruption for any reason” upgrade available.
Cons
- Lost baggage and personal items coverage of $1,000 per person could be better.
- Relatively low emergency medical coverage of $100,000.
- Optional “Interruption for any reason” coverage doesn’t start until 72 hours into your trip.
AIG
Blueprint Rating
Via TravelInsurance.com's website
Top-scoring plan
Travel Guard Preferred
Medical limit per person
$50,000 primary coverage
What you should know
Travel Guard Preferred from AIG allows you to customize your policy with a host of optional upgrades. These include “cancel for any reason” (CFAR) coverage, rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings. There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million.
Pros and cons
Pros
- Bundle upgrades allow you to customize your travel insurance policy.
- Emergency medical and evacuation limits can be doubled with optional upgrade.
Cons
- Base travel insurance policy has relatively low medical limits.
- $300 baggage delay benefit requires a 12-hour delay.
- Optional CFAR upgrade only reimburses up to 50% of trip cost.
USI Affinity
Blueprint Rating
Via TravelInsurance.com's website
Top-scoring plan
Ruby
Medical limit per person
$250,000 primary coverage
Emergency medical limit per person
$500,000
What you should know
USI’s Ruby plan meets our standards for emergency medical evacuation and healthcare coverage. Plan costs increase by an average of 50% when you add “cancel for any reason” coverage.
Pros and cons
Pros
- Good emergency medical primary coverage of $250,000 per person.
- Great 75% “cancel for any reason” upgrade available at a competitive price.
Cons
- $300 per person baggage delay and $1,000 baggage loss coverage are just okay.
- No “interruption for any reason” upgrade available.
- One of the higher-priced options among our top-rated plans.
Tin Leg
Blueprint Rating
Via TravelInsurance.com's website
Top-scoring plan
Gold
Medical limit per person
$500,000 primary coverage
Emergency evacuation limit per person
$500,000
What you should know
Tin Leg’s Gold plan provides plenty of medical and evacuation coverage to help you get health care if you catch COVID or have another medical problem during your trip. Plan costs increase by an average of 50% when you add “cancel for any reason” coverage.
Pros and cons
Pros
- Best-in-class emergency medical primary coverage of $500,000.
- Optional 75% “cancel or any reason” upgrade available.
Cons
- “Interruption for any reason” coverage isn’t available.
- Subpar baggage delay ($200 per person) and baggage loss ($500 per person) coverage.
- One of the more expensive options among our top-rated plans.
Compare the best COVID travel insurance plans
| COVID travel insurance company | Top-scoring policy | Our rating | Learn More CTA text | Learn more CTA below text | LEARN MORE |
|---|---|---|---|---|---|
| Seven Corners | Trip Protection Basic | 5.0 stars | Compare Quotes | Via TravelInsurance.com's website | |
| WorldTrips | Atlas Journey Preferred | 4.5 stars | Compare Quotes | Via TravelInsurance.com's website | |
| WorldTrips | Atlas Journey Premier | 4.5 stars | Compare Quotes | Via TravelInsurance.com's website | |
| Travel Insured | Worldwide Trip Protector | 4.5 stars | Compare Quotes | Via TravelInsurance.com's website | |
| Seven Corners | Trip Protection Choice | 4.0 stars | Compare Quotes | Via TravelInsurance.com's website | |
| AIG | Travel Guard Preferred | 4.0 stars | Compare Quotes | Via TravelInsurance.com's website | |
| USI Affinity | Ruby | 4.0 stars | Compare Quotes | Via TravelInsurance.com's website | |
| Tin Leg | Gold | 4.0 stars | Compare Quotes | Via TravelInsurance.com's website |
Methodology
Our insurance experts reviewed 851 coverage details and 161 rates to find the best COVID travel insurance plans. For this rating, we only scored travel insurance plans that cover COVID.
The benefits we scored out of a possible 100 points include:
Cost: 70 points. We scored the average cost for each COVID travel insurance policy with “cancel for any reason” (CFAR) coverage for a variety of international trips and traveler profiles.
Emergency medical expense: 10 points.We scored travel medical insurance by the coverage amount available. Travel insurance policies with travel medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
“Interruption for any reason” upgrade: 10 points. We gave travel insurance plans with the option of “interruption for any reason” coverage 10 points. This coverage allows you to end your trip early for any reason, including reasons not listed in your policy, and get reimbursed for a certain percentage of your prepaid expenses.
How to buy COVID-19 travel insurance
“Look for travel insurance that covers trip cancellation, trip interruption, emergency medical and emergency medical transportation,” said Daniel Durazo, director of external communications at Allianz Partners USA. A policy that provides epidemic-related coverage may reimburse you for costs associated with a canceled trip, travel delays, mandatory quarantines and being denied boarding due to suspected illness.
Plans that offer emergency medical coverage usually provide medical coverage for treating COVID-19, but you’ll want to read the policy to be sure.
Most travelers are surprised to learn about the 15-day review period that comes with many travel insurance policies, Durazo said. “Consumers should take the time to read their policy and call their provider with questions. If they don’t feel that their policy meets their needs, they can exchange it for a new product or cancel it for a full refund.”
Average cost of COVID travel insurance
The average cost of our top-scoring COVID travel insurance plans is $415. By adding optional “cancel for any reason” (CFAR) coverage, the average cost of COVID travel insurance rises to $615, an increase of 48%.
CFAR coverage gives you the flexibility to cancel your travel plans for any reason, as long as you do so at least two days before your scheduled departure. When you cancel, you will typically be reimbursed up to 75% of your prepaid, nonrefundable trip expenses. If you’re interested in adding CFAR coverage to your travel insurance plan, you usually need to do so within two to three weeks of making your first trip deposit.
How much you pay for travel insurance will depend on factors such as how many travelers you’re insuring and their ages, your trip destination, trip length and total trip cost. On average, travel insurance costs 5% to 6% of your prepaid, nonrefundable trip expenses, and adding CFAR coverage to your plan could increase the cost of travel insurance by about 50%.
What travel restrictions are still in place?
Many travel restrictions that existed in the past three years due to COVID-19 are no longer in place. However, if a new, more dangerous variant emerges or if another infectious disease becomes a serious concern, national governments might reinstate previous restrictions such as requiring a negative virological test or proof of vaccination to enter the country. States and territories may have requirements that differ from national requirements.
Things are always changing, so it’s best to consult the official government website of the country you’re visiting and Travel.State.gov for the latest entry requirements and travel recommendations before booking your trip. Then, continue to check these websites as your trip date approaches to see if you’ll still be able to enter and leave your destination and re-enter the United States.
Quarantine reimbursem*nt from travel insurance
Getting reimbursed by your travel insurance provider requires submitting documents that support your claim. Your policy should spell out what documents you’ll need.
“Failure to get proper documentation for a claim will almost always delay processing of the claim,” said Daniel Durazo, director of external communications at Allianz Partners USA. “Never assume that your insurance company will accept less than what they ask for. Call your insurance provider if you have questions about what documentation they’ll need to process your claim.”
In the case of a quarantine claim, you’ll typically need proof of getting infected with or being exposed to COVID-19, proof that you were required to quarantine, and invoices and receipts from any medical treatment and additional lodging costs.
For coverage purposes, “a COVID diagnosis has to be from a licensed physician who determines that you can’t travel,” said Stan Sandberg, co-founder and CEO of TravelInsurance.com. “An at-home, self-administered COVID test won’t be enough to pursue a claim under a travel insurance policy.”
What does COVID-19 travel insurance cover?
“Most travel insurance providers today consider COVID like any other unexpected sickness for purposes of coverage,” said Sandberg.
If your plan does not exclude costs related to COVID-19, specific types of coverage under your plan can reimburse some or all of your expenses. These might include additional hotel nights, transportation, meals, medical care, flight changes and more. Here’s how different parts of a travel insurance policy would apply as it pertains to COVID.
- Extension of coverage. Applies if you have to stay at your destination longer than planned because you get sick and have to quarantine or new travel restrictions emerge.
- Travel delay. Applies if you or someone traveling with you gets sick or injured en route to, at or returning from your destination or if, say, an airline refuses to let you board because of suspicion of illness.
- Trip cancellation. Applies if you get sick before you leave for your trip and have to cancel the whole thing. Be sure to get a diagnosis from a licensed physician.
- “Cancel for any reason” upgrade. Applies if you decide you don’t want to travel because of a spike in COVID cases or national entry and exit requirements change. Not all plans offer this upgrade, and it can add quite a bit to the cost of your insurance.
- Trip interruption. Applies if you have to interrupt your trip after reaching your destination — for example, if you have to fly home early because you or someone traveling with you gets sick.
- “Interruption for any reason” upgrade. Applies if you miss part of your trip for a reason your policy doesn’t otherwise cover — for example, because you have to quarantine, but you don’t actually have COVID. Not all plans offer this upgrade.
- Emergency medical treatment. Applies if you unexpectedly get COVID during your trip and need health care. Pre-existing conditions are usually excluded. Plan to pay out of pocket and wait for reimbursem*nt.
- Medical evacuation and repatriation. Applies if you need to be transported to the nearest adequate medical facility for treatment. If, God forbid, you should die of COVID during your trip, this coverage would reimburse you for costs associated with transporting your body back home.
What does COVID-19 travel insurance not cover?
“Most travel insurance providers that offer comprehensive policies have done a great job at accommodating COVID-related disruptions, providing reimbursem*nt for events like quarantines and hospital stays,” said James Clark. Clark is a spokesperson for the travel-insurance comparison site Squaremouth, which is also the company behind Tin Leg and Cat 70 travel insurance.
“However, there have been a handful of events that travel insurance simply does not cover,” Clark said. “During the height of the pandemic, when countries would close their borders for travel due to the coronavirus outbreak, many customers were unhappy that border closures were not covered by their standard trip cancellation policy.”
“Policyholders that no longer wanted to travel due to negative test and face mask requirements were also unable to receive reimbursem*nt through standard policies,” he said. “In order to receive reimbursem*nt in these scenarios, a customer would have needed the ‘cancel for any reason’ upgrade.”
That upgrade also covers “fear of travel,” which almost all travel insurance policies usually exclude, according to Clark. Canceling your trip out of fear of COVID infection or fear that the virus will disrupt your trip somehow is only covered by the CFAR upgrade, he explained.
Best COVID travel insurance FAQs
If you’re traveling within the United States or the U.S. territories, check with your health insurance company to see what coverage you get outside your state of residence. You may have coverage for emergency care and telehealth visits, but not for routine care. It’s also possible that your in-state plan may have arrangements with providers in other states that give you reduced rates.
With the end of the U.S. national emergency and public health emergency declarations related to the COVID-19 pandemic ending in May 2023, group health plans and individual health insurance plans will no longer be required to cover COVID tests and testing-related services without cost-sharing or prior authorization. This, too, could mean an extra expense for you.
Medicare usually does not pay for health care you receive abroad (unless you’re in a U.S. territory, or, in rare cases, near the border of Canada or Mexico).
Other U.S. health insurance may not cover international health care, either, or the health insurance deductible may be high.
For these reasons, it’s important to choose a travel insurance policy with good emergency medical coverage — which usually has no deductible — when you’re traveling abroad.
Yes, as long as the policy covers COVID-19 and travel to the country or countries you visit. All of the travel insurance plans in our Best COVID travel insurance cover COVID.
Your travel insurance policy’s trip cancellation benefits will apply if you have to cancel your trip before you leave because you test positive for COVID-19. But you need to get diagnosed by a licensed physician if you hope to file a successful claim for your prepaid, nonrefundable trip costs like airfare and lodging.
Cruise travel insurance is just travel insurance that doesn’t exclude cruise-related issues or has additional cruise-specific benefits. If you’re going on a cruise and want COVID-19 coverage, make sure your travel insurance policy covers COVID-19 and has high coverage limits for emergency medical and emergency medical evacuation.
You should expect to spend your own money if you need proof of a negative COVID-19 test for travel because travel insurance does not cover predictable expenses. In some cases, such as when you’re recovering from a COVID infection, your health insurance or travel insurance may cover a doctor-ordered test.
