Disclaimer:Most travel insurance companies are updating and adapting to the “new normal” way to travel around the world. We strongly advise you to check with your travel insurance company before committing to any insurance plan.
Having insurance that covers COVID travel is a necessity and in some countries one of the entry requirements!
Since we are committed to supporting the health and well-being of our fellow travelers during this unprecedented crisis, we have chosen 6 best insurance travel plans that cover COVID-19 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)
Travelex insurance has built its travel portfolio considering not only regular travelers but also digital nomads and the new remote workers.
It has demonstrated to have excellent coverage on single trips, short luxury getaway weekends as well as long stays in foreign countries.
One the features we like the most about Travelex Insurance Services is that this company allows people to customize their coverage according to the particulars of their travel needs. Another good characteristic is that even the basic plan gets you ALL the essentials. We find it a great fit for avid travelers because it brings flight-specific protection.
We have gathered some pros and cons so you can make an informed decision!
24/7 Assistance with a travel concierge! – How many times have you missed great spots or haven’t accessed to benefits just because you did not know they existed? Well, Travelex travel assistance will serve you as travel concierge even in legal matters. Nobody knows when you can mess up with unknown rules in a foreign country.
Covers COVID-19: This is must have. If you test positive for COVID-19 you may be eligible for trip cancelation, medical treatments and even evacuation.
Similar to the previous one. In case if you have a medical emergency, Travelex will cover your emergency treatment and evacuation. It also includes a companion.
In case you, or your companion passes away, this policy also covers the cost of transporting remains home.
98% of insurance claims are paid.
In case you have to cancel or interrupt your trip for any of the covered reasons, you will get a reimbursement of the money you have already spent on your trip.
It is especially important for people at increased risk of severe illness from COVID-19, the coverage provided for COVID-19 may be kind of limited. Consider an upgrade.
Beware that some basic services may have an additional cost.
It’s not the cheapest one. A 22-year-old remote worker can pay from $ 324 and $491 for a 90-day trip.
Liaison Travel Plus*
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, Nigeria, Cuba, Iran, Syria, Virgin Islands, Gambia, Ghana, Sierra Leone, and North Korea.
It does not cover trips to Antarctica, Iran, Syria, Cuba, and 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, intramural, or club sports exclusive to: squash, water polo, tennis, kickball, volleyball, track & field, baseball, basketball, aerobics, sea kayaking, horse riding, skiing, snowboarding, surfing, ultimate frisbee, skating, rollerblading, and swimming etc.
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.