Traveling during the COVID-19 pandemic has become a risky affair. Countries have closed their borders, airlines have reduced their flights, and the virus is still spreading. While some people are still traveling for essential reasons, it’s important to have the right type of travel insurance that covers COVID-19. In this article, we will discuss the best COVID-19 travel insurance available.
What is COVID-19 Travel Insurance?
COVID-19 travel insurance is a type of policy that provides coverage for expenses related to the COVID-19 pandemic. This includes medical expenses, trip cancellation or interruption, and emergency medical evacuation. It’s important to note that most travel insurance policies do not cover pandemics or epidemics, so it’s necessary to purchase a specific COVID-19 travel insurance policy.
What Does COVID-19 Travel Insurance Cover?
Coverage varies depending on the policy, but most COVID-19 travel insurance policies cover:
- Emergency medical treatment for COVID-19 while traveling
- Medical evacuation if needed
- Trip cancellation or interruption due to COVID-19
- Quarantine expenses
- Repatriation of remains if necessary
What Doesn’t COVID-19 Travel Insurance Cover?
COVID-19 travel insurance policies may not cover the following:
- Pre-existing medical conditions
- Travel to high-risk areas
- Travel against government travel advisories
- Travel for non-essential reasons
What are the Best COVID-19 Travel Insurance Policies?
After careful research, we have determined the following to be the best COVID-19 travel insurance policies:
1. Allianz Travel Insurance
Allianz Travel Insurance offers a “COVID-19 Coverage Alert” that provides information on coverages related to the pandemic. The policy covers emergency medical expenses, medical transportation, and trip interruption or cancellation due to COVID-19. Allianz also offers a “Cancel for Any Reason” plan, which covers up to 80% of the trip cost.
2. Seven Corners
Seven Corners offers a “RoundTrip Choice” policy that covers COVID-19 medical expenses, medical evacuation, and trip interruption or cancellation due to COVID-19. The policy also includes a pre-existing conditions waiver if purchased within 20 days of the initial trip deposit.
3. AIG Travel Guard
AIG Travel Guard offers a “Pandemic Travel Medical Plan” that covers emergency medical expenses, medical evacuation, and trip interruption or cancellation due to COVID-19. The policy also includes a pre-existing conditions waiver if purchased within 15 days of the initial trip deposit.
FAQ
1. Is COVID-19 Travel Insurance Required for Travel?
No, COVID-19 travel insurance is not required for travel. However, it’s highly recommended as it provides coverage for medical expenses and trip interruption or cancellation related to the pandemic.
2. How Much Does COVID-19 Travel Insurance Cost?
The cost of COVID-19 travel insurance varies depending on the policy, trip cost, and length of travel. On average, policies cost around 4% to 8% of the total trip cost.
3. Can I Purchase COVID-19 Travel Insurance After Booking My Trip?
Yes, you can purchase COVID-19 travel insurance after booking your trip. However, some policies may have restrictions on coverage if purchased after the initial trip deposit.
4. Can I Cancel My Trip Due to Fear of COVID-19?
Most travel insurance policies do not cover trip cancellation due to fear of COVID-19. However, some policies offer a “Cancel for Any Reason” plan, which covers up to 80% of the trip cost.
5. Can I Travel to High-Risk Areas with COVID-19 Travel Insurance?
COVID-19 travel insurance policies may not cover travel to high-risk areas. It’s important to check with the policy provider before traveling to ensure you have adequate coverage.
Conclusion
COVID-19 travel insurance is an essential purchase for those who need to travel during the pandemic. The policies offered by Allianz Travel Insurance, Seven Corners, and AIG Travel Guard are some of the best available, providing coverage for medical expenses, trip interruption or cancellation, and emergency medical evacuation related to COVID-19. When purchasing a policy, it’s important to check the coverage, policy restrictions, and cost to ensure you have the best possible protection.
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