Last Updated on January 28, 2023 by Mani Karthik
So, CoronaVirus outbreak is spreading like wildfire and many countries are restricting travel. Almost all major countries of the world have brought in travel bans and restrictions. (Source CDC, European Commission)
As a result, many flights are canceled and people who have booked their travel are finding it difficult to get their tickets refunded/rescheduled.
There’s a lot of uncertainty among international travellers as of now. But over the last few days, we’ve seen that it’s getting more clearer on how to travel, when and where, as more and more international authorities are laying down rules and processes in place.
It’s time we accepted that the pandemic is here to stay for a long time. Even after the vaccine is made available, there shall be a learning curve and it might take some time until things get back to “normal”.
During this time, we shall keep updating you on what are the processes, updates, and news coming in from authorities regarding travel during COVID times.
Travel insurance is one such thing many are seeking information on.
“Which is the best travel insurance plan that covers coronavirus and COVID 19?”
This is probably the most asked question in our forums and groups today.
Best Travel Insurance That Covers COVID
The best travel insurance that covers COVID is Atlas America, Safe Travels USA, and Atlas Essential America. Here is the full list.
|1. Atlas America|
|2. Safe Travels USA Comprehensive|
|3. Safe Travels USA Cost Saver|
|4. Atlas Essential America|
|5. Atlas Premium America|
In this article, I’ll share with you some of the best travel insurance plans that cover the Coronavirus pandemic.
As of July 15th, 2020, the best travel insurance plans that cover Coronavirus and COVID testing are.
- Atlas America.
- Safe Travels USA Comprehensive.
- Safe Travels USA Cost Saver.
- Atlas Essential America and
- Atlas Premium America.
Also, read Coronavirus & Travel Insurance – What you should know.
Keep in mind that there are two types of coverage for plans that might cover Coronavirus testing and treatment.
One is medical coverage and the other, is travel coverage. Let’s look into both.
Medical Coverage for Coronavirus
For visitors in the US, medical coverage for Coronavirus treatment can be availed if you have a good travel insurance policy that covers any flu-like diseases.
Also read: Will travel insurance cover cancellations due to Coronavirus?
According to Insubuy,
As of March 13, 2020, in most visitors insurance plans for the U.S., there is no specific exclusion for coronavirus. Therefore, if you are infected with coronavirus while visiting the U.S., it would be treated just like any other illness, and subject to the general terms and conditions of the policy.
Update: As of July 16, 2020, some travel insurance plans (like the ones mentioned in this article) are offering testing and treatment for Coronavirus as part of the standard insurance plan.
Can you get treated for Coronavirus if you buy a travel insurance plan?
If you arrived at your destination (say USA) before travel bans or warnings were issued, you might qualify for coverage. It depends on various factors though. Please check with your airline directly.
Can you get a refund due to flight cancellations from Coronavirus?
The short answer is that, in order to get a refund, you need to have bought a travel insurance plan that covers “cancellations against any reason”. Depending on your airline policies, a refund is possible.
Can you get travel insurance if you travel to Corona affected countries?
But it depends on your citizenship, your destination, and the status of whether or not they are included in the restricted travel list. Please check with your airline directly.
Can you claim travel insurance if you travel from Corona affected countries?
Not in most cases.
Please check with your airline for details. Check the updated status for whether or not your country is included in the high-risk areas.
What type of travel insurance covers trip cancellations due to CoronaVirus?
You’d need travel insurance plans that offer “cancelations against any reason”. There are a few good plans and the best ones are mentioned in this article.
Will my Credit Card cover Coronavirus?
If you’re sick and have a Doctor’s prescription, yes you might qualify to get covered for trip cancellation because of CoronaVirus.
Can I get a refund for the trip cancellation because of Coronavirus without travel insurance?
Likely. It depends on your airline. Many airlines are considering the current situation as a special one-off one and are offering cancellations/refunds without any questions asked. Talk to your airline asap.
Which are the best travel insurance plans that cover Coronavirus?
The best travel insurance plans covering Coronavirus are Atlas America, Safe Travels USA Comprehensive, Safe Travels USA Cost Saver, Atlas Essential America, and Atlas Premium America.
Disclosure: Some of the above links may contain partner links, which means if you buy a product from those websites, we might earn points/revenue without any extra cost to you. But this, in no way influences the way we have provided information.
Also, the information shared above may not be accurate. I strongly suggest you check with the policy provider before making a purchase. The above information is for education and comparison only.