Covid-19 Travel Insurance For Americans Traveling Abroad
The Most Important Thing You Need To Know About Covid-19 Travel Insurance
Most Covid-19 travel insurance for Americans have fine print which states that they won't cover any cost related to the Coronavirus if there is a level 4 travel warning issued by the United States government.
The U.S state department currently has a ‘Global Level 4 Health Advisory – Do Not Travel' in place which will void 95% of travel insurance polices.
What Coverage Should You look for in Covid-19 Travel Insurance for Americans?
This is general advice and can change depending on your own travel/medical situation.
Trip Cancellation – Make sure the policy will cover you, your traveling companion or a non-traveling family member if they contract COVID-19 or get quarantined
Contract COVID-19 While Traveling – Emergency medical expenses, trip interruption coverage and medical evacuation due to Covid-19 related illness should be covered
Travel delay coverage – Insurance should cover you if you suffer financial losses due to long flight delays, border closures or travels ban that have been announced during your trip, government or a physician-mandated quarantine imposed.
Reimbursements may include doctors’ visits and hospital stays, and certain pre-paid travel arrangements that get disrupted as a result of the infection or the delay of your common carrier.
What does Covid-19 Travel Insurance NOT Usually Cover For U.S. Travelers
Fear of travel is never a covered reason for any type of coverage. Canceling your trip because you’re worried about how the COVID-19 outbreak may impact your travels is usually never covered.
Events surrounding the COVID-19 outbreak for which you aren’t directly affected by the sickness. Examples: a conference you were planning to attend was canceled; you need to cancel your trip because flights out of your destination were shut down; you changed your mind about having your honeymoon in Mexico because of the lockdown.
Is Covid-19 coverage an add-on package or is it included with your travel insurance for U.S travelers?
Travel Insurance that covers Covid-19 should be included with your regular travel insurance quote. Do not use travel insurance providers that have covid-19 as an ‘add on' package. The largest travel insurance companies include it their quotes.
My Travel Insurance Provider told me they Cover Covid-19. Is that good enough?
No. Almost all Travel Insurance companies say they cover Covid-19 related illness but there is an exclusion that voids all coverage if there is a level 4 advisory in place.
Ask your provider specifically about U.S travel advisory/warning exclusions or other factors that can void your coverage.
American Tourists Wearing masks while traveling
How Much Should Covid-19 Travel Insurance Cost For Americans?
Each traveler depending on their, age, locations and amount of medical coverage will determine your Covid-19 travel insurance quote.
To make it easy we have found three Travel Insurance providers for Americans that cover Covid-19 related claims.
We have used both SafetyWing and World Nomads but have heard amazing feedback about HeyMondo as well.
All three providers cover your regular travel insurance plus Covid-19 coverage with no exclusion because of the level 4 travel warning.
Below you can get three quotes and decide which coverage is best for you.
Tell us your travel details
1. What are your travel plans?
Which countries or regions are you traveling to?
When are you traveling?
WHY DO YOU NEED TRAVEL INSURANCE?
It’s expensive to cancel or interrupt any prepaid kind of travel, and for a fraction of the trip cost, you can alleviate the risk of losing money if something unforeseen gets in the way.There are a number of different occasions where it would be very important to get travel insurance.
Sickness (you or family)
Pre-existing Medical Condition
(you or family)
Injury (you or family)
Death (you or family)
Bankruptcy / Default
Evacuation at Destination
Hijacking / Quarantine
School Year Extension
Destination or Home Uninhabitable
Military Duty for Natural Disaster
(you or family)
Portion Of Trip Is Missed Due to Missed Connection
WHAT REPUTABLE TRAVEL INSURANCE COMPANIES SHOULD I USE?
For extensive travel insurance coverage, go with a big-name company. Consider the package deals sold by:
Travel Insured International
WHAT ARE THE TYPES OF TRIP INSURANCE COMMONLY USED?
Trip-Cancellation Insurance and Interruption Insurance are the two most common types of coverage Note the difference: Trip cancellation is when you don’t go on your trip at all. Trip interruption is when you begin a journey but have to cut it short; in this case, you’ll be reimbursed only for the portion of the trip that you didn’t complete.
If you have questionable health, or if you have a loved one at home in poor health, it’s probably a good idea to get this coverage.
You, your travel partner, or a family member cannot travel because of sickness, death, layoff, or a list of other acceptable reasons;
Your tour company or airline goes out of business or can’t perform as promised;
You miss a flight or need an emergency flight for a reason outside your control (such as a car accident, inclement weather, or a strike).
So, if you or your travel partner accidentally have a medical accident a few days before your trip, you can both bail out (if you both have this insurance) without losing all the money you paid for the trip.
Or, if you’re on a tour and have an accident on your first day, you’ll be reimbursed for the portion of the tour you weren’t able to use.
WHEN SHOULD YOU GET TRAVEL OR TRIP INSURANCE?
It’s smart to buy your insurance policy within a week of the date you make the first payment on your trip.
Policies purchased later than a designated cutoff date — generally 7 to 21 days, as determined by the insurance company — are less likely to cover tour company or air carrier bankruptcies, pre-existing medical conditions (yours or those of family members at home), or terrorist incidents