Best Covid travel insurance

Best COVID Travel Insurance Policies for 2021

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It may feel like it has taken a lifetime, but travelers are once again visiting their favorite destinations throughout most of the world. Still, COVID remains a threat to derail even the most detailed travel plans. Finding a good travel insurance policy for COVID is a must, but it might not be as straightforward as it seems.

Not all travel insurance policies cover COVID-related losses. Because this pandemic has been a “known event” for some time, certain plans may not cover you at all – even if you get sick before or during your trip.

To help you find the best pandemic travel insurance, we have reviewed dozens of plans offered by nearly 20 different companies. Each plan was scored using 10 ranking factors, which included things like emergency medical coverage, “Cancel for Any Reason” options, plan costs, and more. Check out our top COVID travel insurance plans below!

(Disclosure: Some of the items appearing below include affiliate links. If you use these links to purchase travel insurance, Club Thrifty may receive compensation. We do not review all available offers. Additionally, this article does not represent an offer of travel insurance coverage. Please note that pricing, coverage amounts, and availability are subject to change.)

Top COVID Travel Insurance Plans

Travelex Travel Select

Travelex Logo

Rating: 5 out of 5.
  • Top Plan: Travel Select
  • Emergency Medical: $50,000
  • Trip Cancellation: 100% of Insured Trip Cost
  • Cancel for Any Reason: Yes (upgrade)

Travelex Travel Select offers good all-around trip insurance, including coverage for COVID, at a price that won’t break the bank. The company has a solid reputation, and kids under 18 are covered for free when traveling with an adult who is covered. Get a quote | Read our review

Pros:

  • Good overall trip insurance
  • Relatively inexpensive
  • Kids under 18 covered for free when traveling with covered adult
  • Good customer experience
  • Cancel for Any Reason option
  • No deductible

Cons:

  • Would like to see higher emergency medical coverage limit

Travel Guard Deluxe

Travel Guard logo

Rating: 5 out of 5.
  • Top Plan: Deluxe
  • Emergency Medical: $100,000
  • Trip Cancellation: 100% of Insured Trip Cost
  • Cancel for Any Reason: Yes (upgrade)

Travel Guard Deluxe offers up to $100,000 in emergency medical coverage, including coverage for COVID, per person. They also offer solid trip cancellation/interruption coverage and a “cancel for any reason” option.

Pros:

  • $100K in emergency medical coverage (includes COVID)
  • Good overall trip insurance
  • Relatively inexpensive
  • Cancel for Any Reason option
  • No deductible

Cons:

  • Very solid overall policy and not much to dislike

Atlas Premium

WorldTrips logo

Rating: 5 out of 5.
  • Top Plan: Atlas Premium
  • Emergency Medical: Up to $2M
  • Trip Interruption: $15,000
  • Cancel for Any Reason: Yes (included)

Atlas Premium (from WorldTrips) offers travel medical insurance that is an excellent option for COVID. Choose from multiple levels of emergency medical coverage all the way up to $2 million. You can also cancel your policy at any time and for any reason prior to the effective date, which is typically the first day of your trip. Get a quote | Read our review

Pros:

  • Choose your level of emergency medical coverage up to $2 million
  • Cancel your policy for any reason prior to effective date
  • $15,000 in trip interruption coverage

Cons:

  • Some benefits subject to a deductible

Travel Insured International World Wide Trip Protector

Travel Insured International logo

Rating: 5 out of 5.
  • Top Plan: World Wide Trip Protector
  • Emergency Medical: $100,000
  • Trip Cancellation: 100% of Insured Trip Cost
  • Cancel for Any Reason: Yes (upgrade)

Via Squaremouth

CF Travel Insured International includes up to $100K in emergency medical coverage, solid COVID-related trip cancellation benefits, and a cancel for any reason option.

Pros:

  • $100K in emergency medical coverage (includes COVID)
  • Good overall trip insurance
  • Relatively inexpensive
  • Cancel for Any Reason option
  • No deductible

Cons:

  • Limited number of positive customer reviews on trusted review sites

Trawick International Safe Travels Voyager

trawick international logo

Rating: 4.5 out of 5.
  • Top Plan: Safe Travels Voyager
  • Emergency Medical: $250,000
  • Trip Cancellation: 100% of Insured Trip Cost
  • Cancel for Any Reason: Yes (upgrade)

Via Squaremouth

With up to $250K in emergency medical coverage and good trip cancellation/interruption benefits, this is a very good COVID travel insurance policy – especially for medical expenses.

Pros:

  • $250K in emergency medical coverage (includes COVID)
  • Good overall trip insurance
  • Cancel for Any Reason option
  • No deductible

Cons:

  • Typically more expensive than other top plans

TravelSafe Classic

TravelSafe logo

Rating: 4.5 out of 5.
  • Top Plan: TravelSafe Classic
  • Emergency Medical: $100,000
  • Trip Cancellation: 100% of Insured Trip Cost
  • Cancel for Any Reason: Yes (upgrade)

Via Squaremouth

TravelSafe Classic is another very good travel insurance plan for COVID. It provides good all-around coverage with up to $100K in emergency medical benefits.

Pros:

  • $100K in emergency medical coverage (includes COVID)
  • Good overall trip insurance
  • Cancel for Any Reason option
  • No deductible

Cons:

  • Limited number of positive customer reviews on trusted review sites

Tin Leg Gold

Tin Leg logo

Rating: 4.5 out of 5.
  • Top Plan: Gold
  • Emergency Medical: $500,000
  • Trip Cancellation: 100% of Insured Trip Cost
  • Cancel for Any Reason: Yes (upgrade)

Via Squaremouth

The Tin Leg Gold policy stands out because of its $500K coverage for emergency medical expenses.

Pros:

  • $500K in emergency medical coverage (includes COVID)
  • Good overall trip insurance
  • Cancel for Any Reason option
  • No deductible

Cons:

  • Can be considerably more expensive for families than other top plans
  • Limited number of customer reviews on trusted review sites, most average to poor

Tips for Finding Good Pandemic Travel Insurance

Are you wondering how to buy travel insurance and what to look for? The best COVID travel insurance policies provide coverage before and during your trip.

Should you or a covered member of your party become ill prior to your trip, the top plans offer trip cancellation or interruption benefits. These benefits help you recover the cost of non-refundable items related to your covered trip.

If you contract COVID during your trip, pandemic travel insurance plans offer important benefits like emergency medical treatment, emergency medical evacuation, and trip interruption coverage. We strongly suggest finding a policy that offers at least $50,000 to $100,000 in emergency medical coverage per person.

Keep in mind that many travel insurance plans consider the COVID-19 pandemic to be a known event and may not cover financial losses in certain situations. Your plans could easily come to a screeching halt due to changing entry and quarantine requirements, sudden COVID outbreaks, and more. Adding a “Cancel for Any Reason” option allows you to call off your trip for any reason and still get some level of reimbursement.

Finally, be sure to consider the cost of your plan and the reputation of the company. Higher costs do not always equal better quality. Additionally, some companies cover children at a discount or for no additional cost while others do not.

COVID Travel Insurance Benefits to Consider

As we’ve mentioned, some of the most important benefits to look for in pandemic travel insurance plan include:

  • Emergency Medical Coverage – This is coverage for emergency medical treatments such as visits to hospitals and emergency rooms. We suggest at least $50,000-$100,000 in coverage. Be sure that COVID is covered prior to making a purchase.
  • Emergency Medical Evacuation – This helps cover costs for evacuating you to your home country or other location, if medically necessary.
  • Trip Interruption – This type of coverage can help you recuperate losses if your trip is interrupted by illness, injury, weather, or other circumstances. Again, be sure COVID is a covered.
  • Trip Cancellation – Like trip interruption coverage, trip cancellation coverage helps get you reimbursed for expenses when you are forced to cancel your trip for a covered reason.

Methodology

To determine our rankings, we reviewed dozens of policies from nearly 20 of the best travel insurance companies. We then scored them across 10 weighted categories with the highest possible score being 100. Those categories included:

  • Emergency Medical Coverage for COVID (10 points)
  • Emergency Medical Coverage Limits (Up to 10 Points)
  • Emergency Medical Evacuation Coverage (5 Points)
  • Primary or Secondary Coverage (5 points)
  • Trip Cancellation/Interruption Coverage for COVID (Up to 20 Points)
  • Cancel for Any Reason Option (20 points)
  • Company Reputation and Stability (Up to 10 Points)
  • Customer Experience (Up to 5 Points)
  • Policy Pricing (Up to 10 Points)
  • No Deductible Plan (5 Points)

COVID Travel Insurance Complete Rankings

Here are our complete rankings for the top pandemic travel insurance plans. We’ve listed the top ranking plan for each company we reviewed. As mentioned in the methodology section, we used 10 weighted categories to grade each plan on a scale of 0-100.

Company and Policy NameScore (Out of 100)
Travelex Travel Select96
Travel Guard Deluxe95
Atlas Premium95
CF Travel Insured International World Wide Trip Protector95
Trawick International Safe Travels Voyager94
TravelSafe Classic93
Tin Leg Gold91
AXA Platinum Travel Plan87
Berkshire Hathaway ExactCare87
USI Affinity Travel Insurance Select Elite85
Generali Global Assistance Premium83
John Hancock Gold Plan82
Cat 70 Travel Insurance81
Roamright Pro Plus74
Allianz OneTrip Premier70
Seven Corners RoundTrip Elite68
World Nomads67
HTH Worldwide Trip Protector Preferred60
IMG iTravelInsured Travel LX38

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