Disclaimer:Most travel insurance companies are updating and adapting to the “new normal” way to travel around the world. We strongly advise you to consult your travel insurance broker before committing with any insurance plans.
Traveling in the era of the COVID-19 pandemic has become a bit more uncertain since you do not know what additional expenses you will have to deal with regarding COVID-19 screenings, medical emergencies, destination country’s new entry policies, and a long list of potential threats.
Since we are committed to supporting the health and well-being of our fellow travelers during this unprecedented crisis, we have chosen 5 key insurance travel plans we consider the best fit for British, American, EU citizens, and foreign nationals from other countries.
So keep reading to learn about the best plans when traveling, working, living, or studying abroad.
Great fit fordigital nomads, tourists, and remote workers regardless of their nationality. Ideal for long but also short term trips!
COVID-19 Coverage: As of August 1st, 2020, this insurance covers COVID-19 disease and works the same as any other illness and does not fall under any other policy exclusion or limitation.
Included in your previous Safetywing plan?: If you are a new Safetywing new buyer, the COVID-19 coverage will be automatically part of your insurance plan. If not, we recommend you to upgrade your plan here. You can sign up for this insurance after your journey has already started.
Price vs Age: Quite affordable considering the pandemic – These prices cover 4 weeks or 28 days with up to a maximum of 364 days after which you will need to repurchase.
10 to 39 years old US $40.04 (If you are not traveling in or to the United States)
10 to 39 years old US $73.08 (If you are traveling in or to the United States)
40 to 49 years old US $64.68 (If you are not traveling in or to the United States)
40 to 49 years old US $120.40 (If you are traveling in or to the United States)
Best for tourists, and remote workers visiting the U.S
Travel insurance for visitors to the U.S. and U.S. citizens traveling abroad.
Great fit for nomads, tourists, and remote workers around the world.
COVID-19 Coverage – This plan is designed to protect you while you navigate this “new normal” environment, even in the extreme case you get COVID-19 when traveling outside your home country.
Special COVID-19 coverage features
Medical treatment for COVID-19 (the disease)
SARS-Cov-2 (the virus), and any mutation or variation of SARS-CoV-2
Travel assistance services (Including emergency medical evacuation)
Emergency medical reunion
Return of children
Return of mortal remains
Local burial or cremation can apply
Coverage limit? Up to 5,000,000
Coverage Area – you can choose between two options:
Worldwide coverage including the USA
Worldwide coverage excluding the USA
Any pre-existing conditions? – It covers them through the benefit for acute onset of pre-existing conditions.
Price – It depends on several factors. You can buy from 5 to 364 days. Click here for prices.
Other traveler benefits
Loss of checked baggage – US $50 per article, US $500 per occurrence
Trip interruption US $5,000
Travel delay US $100 per day, 2-day limit per occurrence
Lost or stolen travel documents US $100
Border entry protection (for non-United State residents traveling to the United States) US $500
Personal liability US $50,000
Travelers must be at least 14 days old and under 75 years to be covered by this plan
It does not cover citizens from Iran, Cuba, Islamic Republic of Iran, Syrian Arab Republic, United States Virgin Islands, Gambia, Ghana, Nigeria, Sierra Leone, and Democratic People’s Republic of Korea (North Korea)
It does not cover trips to Antarctica, Islamic Republic of Iran, Syrian Arab Republic, Cuba, and Democratic People’s Republic of Korea (North Korea).
Best for international students and faculty members
This plan is a great protection option for students and faculty studying and working abroad for up to 364 days.
Great fit for – International students and faculty members
COVID-19 Coverage: It includes a $100,000* COVID-19 treatment benefit including medical expenses related to COVID-19, SARS-Cov-2, and any mutation or variation of SARS-CoV-2.
Coverage limit – Up to $5,000,000 (conditions apply).
Special COVID-19 coverage features:
Emergency Medical Evacuation
Emergency Medical Reunion
Return of Children
Return of Mortal Remains
Coverage Area: you can choose between
Worldwide including the United States
Worldwide excluding the United States
Other benefits for students:
Non-contact Amateur Sports – you can be covered if you are injured while participating in high school, interscholastic, intercollegiate, intramural or club sports exclusive to: tennis, squash, ultimate frisbee, kickball, volleyball, track & field, water-polo, baseball, basketball, aerobics, dancing, sailing, sea kayaking/canoeing, horseback riding, surfing, snow skiing, snowboarding, roller skating, rollerblading, and swimming.
Mental Illness (including alcohol and substance abuse)
Age – Up to 64 years old
Price – It mostly depends on the country where you are going to study
It does not cover you if you get hurt doing outdoor activities.
Why are these good COVID-19 travel insurance plans?
When looking for COVID-19 coverage there are some key aspects that you must consider and you are probably not aware of.
For example, these plans have different coverage COVID-19 benefits, including, medical expenses, trip delays or cancellations due to borders closure, repatriation, emergency medical reunions, return of children, return of mortal remains and local burial or cremation.
But, since COVID-19 is not the only travel inconvenience you may encounter when abroad, we also made sure to find plans that cover your touristic, outdoor, and school activities plus baggage delays, loss of passport or travel documents and more.
Are you sure you are already covered for COVID-19?
Getting good COVID-19 coverage can be tricky. Your travel insurance company may have told you that you are, but there are so many exceptions and “only-if” stipulations that you may actually not be covered at all.
We strongly recommend you upgrade or choose a new plan that was designed having into account the many ways in which COVID can sour your trip.
We hope you’ve liked this comparison of insurance that covers COVID! We hope you’ve found some suitable plan for your next adventure during this rough times!
Let us know in the comment below if you have any suggestions, ideas or feedback about insurance COVID coverage. We appreciate any kind of feedback.