tsb platinum travel insurance covid 19

TSB Platinum Mastercard® Travel Insurance

Pre-pay for at least 50% of your travel expenses using your Platinum Mastercard and you may qualify for travel insurance for your journey.*

Key features

At a glance

Up to 90 days of cover

Cover is available for up to 90 consecutive days of travel for each journey.

Epidemics and pandemics

Selected cover for epidemic and pandemic diseases including Covid-19. 1

Baggage, money, and travel documents

Cover for your personal baggage, money and travel documents for international travel.

Cancellations and travel disruptions

Unforeseeable cancellations or delays for both international and domestic journeys. 2

*Terms, conditions, limits, sub-limits, exclusions and eligibility criteria apply. Customers considering this travel insurance policy should read the Frequently Asked questions below and the Policy Wording in the TSB Credit Mastercard® Insurance Terms and Conditions to check what is and isn’t covered.

Important phone numbers

How to make a Travel Insurance claim

Please contact one of the Allianz Partners Claims Consultants on 0800 800 357 between 8.30am and 5pm Monday to Friday (except public holidays) or email Allianz Partners at [email protected] .

Emergency Travel Assistance

If you are overseas and require emergency assistance, please contact Allianz Partners Emergency Assistance. Skilled professionals are available 24 hours 7 days a week. Call collect on +64 9 486 6868 .

General Travel Insurance policy enquiries

If you have general enquiries, please contact one of the Allianz Partners Customer Care Team on 0800 800 357 between 8.30am and 5pm Monday to Friday (except public holidays).

How to get travel insurance for your journey

To activate and have cover under this policy, you must purchase at least 50% of your pre-paid travel expenses for your journey on your TSB Platinum Mastercard. At the time of purchase, your TSB Platinum Mastercard must be current for the entire period of insurance.

Your pre-paid travel expenses include, but are not limited to air tickets, other transport tickets, accommodation, car rental, pre-paid tours, cruises, taxes and any other pre-paid travel costs which you purchased prior to the start date of your journey (as shown on your itinerary).

If you have no pre-paid travel expenses such as airfares or accommodation because the trip was gifted, won or purchased for you, and provided that your trip is not a business trip paid for by your employer or business, cover under this policy is still available to you. At the time your trip is booked, your TSB Platinum Mastercard must be current for the entire period of insurance. Please call Allianz Partners Customer Care Team on 0800 800 357 between 8.30am and 5pm Monday to Friday (except public holidays).

Frequently Asked Questions

These FAQs are for general guidance only and are not specific to your situation. Further details of each policy are provided in the TSB Credit Mastercard Insurance Terms and Conditions, available here .

If you have any questions relating to these Terms and Conditions, you can call Allianz Partners Customer Care Team on 0800 800 357 between 8.30am and 5pm Monday to Friday (except public holidays).

General FAQs

Which tsb credit card products include travel insurance.

Only TSB Platinum Mastercard cardholders receive this benefit, it is not available for any other TSB Mastercard or Visa products.

Are additional cardholders covered under this policy?

Yes, all TSB Platinum Mastercard cardholders are eligible for travel insurance.

Travel Planning

Do i need to notify allianz partners of my travel arrangements in advance.

You are not required to notify Allianz Partners of your travel arrangements in advance. Your insurance policy is automatically activated, by purchasing at least 50% of your pre-paid expenses such as travel and accommodation using your TSB Platinum Credit Mastercard.

When I have an urgent question while overseas, how do I confirm my coverage with Allianz Partners?

When requiring an urgent response, you can call +64 9 486 6868 and reverse the charges from anywhere in the world, 24 hours a day, 7 days a week.

Are my children covered under this policy?

Providing they are your dependent children and are accompanying you throughout the entire duration of the travel. The policy benefits for dependent children will be shared within the policy limits of the insured adult(s) unless expressly stated otherwise in the policy wording.

Dependent children are defined as your natural, step or legally adopted unmarried children accompanying you on the journey and for whom cover under this policy has been activated, who are aged under 19 and not in fulltime employment, or, who are aged under 26 if they are a fulltime student at an accredited institute of higher learning and primarily dependent on you for maintenance and support.

I am taking a long trip, can I extend the period of cover?

The maximum period of cover is 90 consecutive days. If the return journey of your itinerary back to New Zealand is longer than this period of time, you can apply for an extension, beyond 90 days, up to 180 days by calling 0800 800 357 . Please note that an additional premium will be charged to your TSB Platinum Mastercard if accepted.

I am planning to book a one way trip, and later book the return journey, am I still covered?

Yes, however, cover will end on the 90th consecutive day following the date you commenced your journey, or if applicable, on the date Allianz Partners have agreed in writing if you have extended to your maximum duration of cover.

I am booking additional flights while I am travelling, will they be covered by travel insurance?

Yes, providing that your insurance policy has been activated, for example, at least 50% of your pre-paid travel expenses for your journey have been paid for on your TSB Platinum Mastercard.

Pre-existing Medical Conditions

Does tsb platinum mastercard travel insurance cover pre-existing medical conditions.

Pre-existing medical conditions are excluded under this policy. You can apply to add cover for one or more pre-existing medical conditions by calling Allianz Partners on 0800 800 357 between 8:30am and 5:00pm Monday to Friday (except public holidays). If your application is approved, an additional premium will apply.

What does a pre-existing medical condition mean?

A pre-existing medical condition means:

a) Any physical defect, infirmity, existing or recurring illness, injury, disability or mental illness of which you, or the person due to whom you are claiming, are aware of. b) Any medical condition for which you, or the person due to whom you are claiming have had or received a medical examination, consultation, treatment, investigation and/or medication in the 12 months prior to the date you activated your cover under this policy.

Cover over 75 years of age

There are some exceptions to the cover available for cardholders aged 75 or over . If you’re nearing or already 75 years of age, make sure to check the TSB Credit Mastercard Insurance Terms and Conditions so you’re aware of what you might be covered for and what else you may need to do.

Is there a maximum age limit on the Travel Insurance?

If you are aged 75 or above at the start date of your period of insurance for any journey under this insurance policy, you do not have automatic cover under:

a) ‘Section 2: Medical benefits’; and b) ‘Section 1: Cancellation and travel disruption benefits’ for any claims arising directly or indirectly from your medical condition(s) or signs or symptom, regardless of whether or not they are a pre-existing medical condition.

This applies to both international and domestic journeys.

Your period of insurance is the date we start to cover you prior to your journey commencing to the date you return to your home (as shown on your travel itinerary) directly following your journey.

Please read the definitions section in the policy wording for full definitions. For further information and support call Allianz Partners on 0800 800 357 to speak with someone.

What if I’m over 75 and still need cover?

During the medical assessment, Allianz Partners will ask you about your medical history and your pre-existing medical conditions.

If Allianz Partners approve your application for cover under Section 2: Medical benefits, you will be required to pay a premium, and written confirmation of your cover will be forwarded to you by Allianz Partners. Cover will not be in place until you pay any applicable premium and Allianz Partners inform you in writing.

To complete your medical assessment, please contact Allianz Partners Customer Care Medical Assessments Team on 0800 800 357 .

What if I book my travel before I turn 75?

If you book your journey prior to turning 75 and the start date of your journey is less than 12 months from the date you purchase your trip, and you meet the eligibility criteria, you will still receive coverage.

Will I pay a full annual fee if I’m over 75?

Because some sections of the cover will no longer be automatic, once the primary cardholder turns 75 we’ll waive the $90 Platinum Mastercard annual fee. We’ll also waive the fees for any additional cards that you may have.

Am I covered if I test positive for Covid-19 in my destination country and I need medical care?

Yes, providing that you did not commence your travel against the New Zealand Government’s advice, or against local government advice at your overseas destination.

Am I covered if I test positive for Covid-19 in my destination country and I am required to isolate under the current local destination Covid-19 isolation rules, and I cannot complete my travel?

Cover is available, providing that you can supply as evidence a dated supervised RAT/ PCR test or a medical certificate from a Registered Medical Practitioner detailing a Covid-19 positive result and the local authority isolation rules.

There is no cover for claims arising from any lockdowns, changes in government alert levels, quarantine or mandatory isolation that applies generally or broadly to some or all of a population, vessel or geographical area, or that applies based on where you are travelling to, from, or through.

What if there are no isolation requirements in my destination country, but I have Covid-19 and I am too unwell to travel?

Cover is available, providing that you can supply as evidence a medical certificate from a Registered Medical Practitioner stating that you are unfit to travel.

Allianz Partners

Who is the underwriter for tsb platinum mastercard travel insurance.

TSB Platinum Mastercard Travel Insurance is issued and managed by AWP Services New Zealand Limited trading as Allianz Partners and underwritten by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 (Incorporated in Australia) which also offers travel insurance through Worldcare. If you would like to learn more about Worldcare Travel Insurance click here .

Don't forget to read this bit

*Terms, conditions, limits, sub-limits, exclusions and eligibility criteria apply. Customers considering this travel insurance policy should read the Policy Wording to check what is and isn’t covered. If you are travelling on a domestic journey within New Zealand you only have cover under Section 1.1 Cancellation of Journey and Section 1.3 Travel Delay. If you are travelling on an international journey, you have cover under all sections of this policy. See TSB Credit Mastercard® Insurance Terms and Conditions for details.

1 There is no cover for lockdowns, changes in government alert levels, quarantine or mandatory isolation that applies generally or broadly to some or all of a population, vessel or geographical area, or that applies based on where you are travelling to, from, or through. As with any travel insurance, disinclination to travel due to fear or change of mind is not covered.

2 If you are travelling on a domestic journey within New Zealand you only have cover under Section 1.1 Cancellation of Journey and Section 1.3 Travel Delay. If you are travelling on an international journey, you have cover under all sections of this policy.

You should consider the Policy Wording before making any decisions about this travel insurance policy. Terms, conditions, limits, sub-limits, exclusions, and eligibility criteria apply. See TSB Credit Mastercard® Insurance Terms and Conditions for details.

The Hollard Insurance Company Pty Limited – Financial Strength Rating and Overseas Policyholder Preference Disclosure Notice

The Hollard Insurance Company Pty Ltd has a financial strength rating of A (Strong) issued by Standard and Poor’s. The Standard & Poor's rating scale is: AAA Extremely Strong AA Very Strong A Strong BBB Good BB Marginal B Weak CCC Very Weak CC Extremely Weak C Selective Default D Default

The rating may be modified by the addition of a plus (+) or minus (-) sign to show relative standing within the major rating categories. The rating scale above is in summary form.

A full description of this rating scale can be obtained from https://www.spglobal.com/ratings/en/ .

An overseas policyholder preference applies. Under Australian law, if The Hollard Insurance Company Pty Ltd is wound up, its assets in Australia must be applied to its Australian liabilities before they can be applied to overseas liabilities. To this extent, New Zealand policyholders may not be able to rely on The Hollard Insurance Company Pty Ltd’s Australian assets to satisfy New Zealand liabilities.

Mastercard, Priceless and the circles design are registered trademarks of Mastercard International Incorporated.

Warning: There's a large gap in pandemic era travel insurance

Update : Some offers mentioned below are no longer available. View the current offers here .

I'm planning a lot of trips right now. But, I'm uncertain when and how some countries will reopen their borders to tourists. Even though I'll be fully vaccinated soon, I still may want to avoid pandemic hotspots.

As such, I'm only booking travel that is fully refundable or changeable . Specifically, I'm redeeming hotel points for stays and taking note of the date by which I must cancel to get my points back. When it comes to airfare, I'm booking award flights with programs that offer changes or cancellations with minimal fees.

But perhaps you want to book (or have already booked) a nonrefundable trip . In this case, you may wonder whether travel insurance will cover you if you need to cancel, reroute or postpone your trip. Unfortunately, travel insurance only covers trip cancellation or interruption for specific reasons and situations. And most travel insurance doesn't cover the primary reasons I'd want to cancel or interrupt trips in the COVID-19 era.

In this guide, I'll discuss what you need to know about trip cancellation and interruption travel insurance when traveling during the coronavirus pandemic.

Get the latest points, miles and travel news by signing up for TPG's free daily newsletter .

What is trip cancellation and interruption insurance?

Trip cancellation and interruption insurance may provide reimbursement up to a specified amount per person per trip for eligible travel expenses or arrangements that must be canceled or interrupted. However, policies vary on the definition of eligible reasons for canceling or postponing a trip and the types of expenses reimbursed. And most policies will only provide coverage for set reasons.

Most trip insurance policies won't cover many of the reasons you might want or need to cancel or interrupt a trip during the coronavirus pandemic. In particular, most policies won't cover cancellation or interruption even if you can't travel due to border closures or specific entry requirements. Likewise, most policies won't cover cancellation or interruption if you choose not to travel -- even if your reason for not wanting to travel is primarily due to a CDC travel warning , elevated COVID-19 cases or specific entry requirements (such as a lengthy mandatory quarantine or PCR testing ).

However, some policies do cover cancellation or interruption if you are quarantined by a physician for health reasons or contract COVID-19 . In the following section, I'll take a closer look at some of the most popular policies.

Related: Does travel insurance cover pandemics?

Popular trip cancellation and interruption policies

There are two primary ways to obtain trip cancellation and interruption insurance:

As a benefit provided by your credit card when you charge eligible travel expenses to the card
As a benefit of purchased independent travel insurance

I'll discuss some of the most popular travel insurance policies and the coverage each may provide for coronavirus-related cancellation or interruption in the following sections.

Chase credit cards

Various Chase credit cards offer trip cancellation and interruption protection, including the Chase Sapphire Reserve and Chase Sapphire Preferred Card. To get coverage on these cards, you must charge all or a portion of the trip to your credit card account and/or the rewards program associated with the account.

The trip cancellation and trip interruption benefit offered by these cards may provide reimbursement for eligible travel expenses charged to your account up to $10,000 per covered person and up to $20,000 per trip. However, only select losses that result in cancellation or interruption of a trip are eligible for coverage.

In particular, the primary pandemic-related reasons Chase trip insurance may cover your trip cancellation or interruption are:

Accidental bodily injury, loss of life or sickness experienced by you or your traveling companion which prevents you or your traveling companion from traveling on the trip
Quarantine (due to health reasons) of you or your traveling companion imposed by a physician or by a competent governmental authority having jurisdiction

However, the insurance offered by these two cards explicitly excludes trip cancellation or interruption for the following reasons:

A pre-existing condition or any other event that occurs or commences before the initial deposit date or booking date of the trip
Your disinclination to travel due to an epidemic or pandemic

So, you definitely won't be covered by Chase credit cards if you decide not to travel because of an epidemic or pandemic. And even if you contract COVID-19 or need to enter quarantine, your Chase card's insurance may not cover you if the insurance administrator considers the coronavirus pandemic (and not your sickness or quarantine) as the event that caused your trip cancellation or interruption. After all, some travel insurance excludes trips booked after the coronavirus pandemic became a known event.

It's undoubtedly worth filing a Chase trip cancellation claim if you contract COVID-19 or a physician or government authority requires you to quarantine (and either of these events prevents you from traveling on a trip). But, I wouldn't assume I'd get any coronavirus-related trip cancellation and interruption insurance when booking new trips with my Chase cards.

You can review the Chase Sapphire Reserve benefits guide and the Chase Sapphire Preferred's benefits guide . If you want more information about these cards, check out the Chase Sapphire Reserve credit card review and the Chase Sapphire Preferred credit card review .

Related: Sapphire showdown: Chase Sapphire Preferred vs. Chase Sapphire Reserve

American Express cards

Select American Express cards , including The Platinum Card® from American Express, the Delta SkyMiles® Reserve American Express Card, the Marriott Bonvoy Brilliant® American Express® Card and The Business Platinum Card® from American Express, offer trip cancellation and trip interruption insurance of up to $10,000 per covered trip and $20,000 per eligible card per 12-consecutive-month period.

To be covered, you must charge the full amount of your round-trip travel on a common carrier to your card. However, you can pay with a combination of your card and accumulated points on your card. And you can also pay with a combination of your card and redeemable certificates, vouchers, coupons or discounts awarded from a frequent-flyer program or similar program.

Amex's guide to benefits provides the following definitions of trip cancellation and trip interruption:

Trip cancellation means the cancellation of travel arrangements when the eligible traveler is prevented from traveling on a common carrier for a covered trip on or before the departure of the covered trip. Trip interruption means the interruption of the covered trip either on the way to the point of departure or after departure of the covered trip.

However, Amex's trip cancellation and interruption insurance only covers specific cancellation or interruption reasons. So, as is noted in Amex's trip cancellation insurance COVID-19 notice , you'll likely only get coverage in connection with COVID-19 if you contract COVID-19 or a physician requires you to quarantine for health reasons related to COVID-19 on or before the departure of your trip. Any other reason for trip cancellation or interruption in connection with COVID-19 likely ineligible for coverage.

You can see the complete benefits guides for Amex's travel insurance coverage on Amex's retail and travel benefits website .

Related: Warning: Book carefully if you have multiple Amex cards that offer travel protections

Purchased travel insurance

Many of the most popular travel insurance providers have published coverage alerts and frequently asked questions pages that provide information about COVID-19 claims. So, if you have travel insurance with a specific provider or are looking to buy travel insurance with a particular provider, you should read any information that the provider has about the coronavirus pandemic and understand how that affects your insurance.

Of course, most independent travel insurance covers more than just trip cancellation and interruption. But, in this section, I'll focus on trip cancellation and interruption. I particularly took a closer look at the information AIG Travel Guard , Allianz Travel Insurance , Seven Corners and World Nomads have posted online about coronavirus-related claims. Here's what I found by looking at this information:

AIG Travel Guard : Policies purchased on or after March 11, 2020 don't cover any losses due to COVID-19 quarantine. However, suppose you contract COVID-19 before departure. In that case, you may be eligible for trip cancellation benefits (if you have a confirmed and documented diagnosis and are medically unable to travel at the time of departure due to COVID-19). Likewise, if you contract COVID-19 while traveling and have a confirmed and documented diagnosis, you may be eligible for trip interruption benefits.
Allianz Travel Insurance : Plans typically exclude losses for epidemics, including COVID-19. However, you can buy new plans with an epidemic coverage endorsement. And, for a limited time, Allianz is accommodating claims for trip cancellation and trip interruption if you of your traveling companion or family member becomes ill with COVID-19 either before or during your trip.
Seven Corners : COVID-19 is treated similarly to other sicknesses. So, you may be eligible for trip interruption coverage if a legally qualified physician determines that you or your traveling companion must interrupt the trip due to sickness. Likewise, you may be eligible for trip interruption or cancellation coverage if you or a traveling companion would be forced into mandatory quarantine for medical isolation by a physician or government (excluding at your return destination city or in any other place following the end of your trip).
World Nomads : Policies purchased by U.S. residents may provide coverage for trip interruption if you contract COVID-19 while traveling. You may also be eligible for trip cancellation coverage for pre-paid non-refundable travel expenses if your doctor advises you that you are unfit to travel on your scheduled departure date due to being diagnosed with COVID-19.

None of the policies provide reimbursement if you decide not to travel, even if your reason is because of an epidemic at your destination. And, although Seven Corners may allow you to cancel or interrupt a trip due to mandatory quarantine for medical isolation at your destination, your inability to enter a country or state isn't an eligible reason for trip cancellation or interruption.

However, some providers offer "cancel for any reason" trip insurance . If you purchase this type of policy, you can cancel your trip for any reason -- including deciding not to travel because of an epidemic -- and get back some of the prepaid, forfeited, nonrefundable payments or deposits for your trip. If you're booking nonrefundable travel that you aren't sure you'll be able to take, you should consider purchasing cancel for any reason insurance.

Related: 3 tips for insuring domestic trips

My travel insurance doesn't cover me, what now?

As you can see, most travel insurance policies won't cover you if you decide not to travel due to pandemic hot spots or mandatory quarantine or can't travel due to border closures or restrictions. So, if your travel insurance won't cover you, here are some other ideas to consider.

Call the airline or travel provider

If your travel insurance doesn't cover your canceled or interrupted trip, contact your airline and other travel providers. After all, the airline may have travel waivers that allow you to cancel, delay or change your flights with waived fees -- and sometimes with any fare difference waived as well.

Even if the airline doesn't have a travel waiver in place, you may find an agent who is willing to waive fees -- especially if you have elite status with the airline. But, you may need to wait until closer to your travel dates before the airline offers any waivers or alternate options.

Related: Airline coronavirus change and cancellation policies: A complete list of major carriers

Visit a second destination

Suppose the airline won't offer any solutions, but you don't feel comfortable visiting your original destination. In that case, you could book a second round-trip to a different destination and nest it within your original trip. Of course, you'll want to allow enough buffer between your tickets to reduce the chance that you'll misconnect in either direction.

You may also want to ask the airline how much it would cost to add another leg or two to your original ticket, as then you'd be considered a transit passenger at your original destination. And, as a transit passenger, you may be able to avoid entry restrictions at your original destination.

Related: How to book 'reverse' tickets to save on airfare

Consider the risk

If you can visit your destination, you may want to take an unemotional, logical look at your trip and the risks you're likely to face. Determine your risk based on your destination, activities at your destination, immunity , age, potential repercussions of becoming ill and possible consequences of testing positive during your trip . Some travelers are specifically avoiding international travel as long as the U.S. requires testing before return , as they don't want to risk needing to quarantine outside the U.S.

Related: Do kids need to get the COVID-19 vaccine before traveling?

Forfeit the trip

If you've run out of options and still don't want to travel, you can try to recoup as much of your costs as possible. For example, you may be able to retain some value by canceling, paying a change or award redeposit fee. But you may lose nonrefundable costs.

Related: How to refund a nonrefundable airline ticket

Bottom line

Travel insurance can be helpful. But don't expect much coverage from trip cancellation and interruption insurance if you want to cancel or interrupt your trip for most pandemic-related reasons.

Sure, many insurance policies will provide benefits if you contract COVID-19 or are mandated to quarantine for medical isolation. But, you won't get assistance if you can't travel or don't want to travel due to more common reasons such as entry requirements, quarantine requirements or pandemic hot spots. As such, for the foreseeable future, I recommend booking fully refundable travel or purchasing cancel for any reason travel insurance if you aren't sure you'll take a trip.

Should you get travel insurance for vacations during COVID-19? Here's what to consider.

Someday in the not-too-distant future, you’ll once again be able to make your family vacation ideas a reality and head out to the best family vacation spots in the U.S. –maybe even to Europe , Asia or the Caribbean. And once you make the decision to travel again, you should pay special attention to your COVID-19 travel insurance options.

Even before COVID-19 added new risks to travel plans, it would have been wise to consider four main financial risks that family travel insurance can help you avoid:

Loss of nonrefundable prepayments or cancellation penalties if you, another member of your family travel group – or a close family member remaining at home – encounters unexpected sickness or accident. This risk is covered by trip-cancellation insurance (TCI).
Extra expenses of an early return if you have to curtail a trip you’ve already started for one of the same reasons you might cancel (trip interruption insurance, or TII). Travel insurance policies almost always combine TCI and TII.
Expenses for medical treatment or emergency evacuation if you become sick or suffer an accident in a destination where your regular health insurance doesn’t provide full coverage.
Expenses of unforeseen delays at any time during your trip.

But COVID-19 has changed the ground rules. Travel insurance designed for normal times may not cover all your family’s risks in this pandemic.

Travel insurance and COVID-19: What you need to know

Almost all family travel insurance provides financial coverage only for unforeseen risks. These days, COVID-19 is a foreseeable risk just about anywhere. Also, most travel insurance is “named peril” insurance: If a contingency is not specifically included in the fine print as a “covered reason,” the policy doesn’t cover it.

Learn more: Best travel insurance

COVID-19 also poses three unique risks that are covered by some policies, but not all.

Catching COVID-19 at your destination. Standard travel medical policies cover medical costs of getting sick at your destination, but some insurers can deny coverage because contracting COVID-19 is not an unforeseen risk. At least one new policy, from Seven Corners, explicitly lists “catching COVID-19” as a covered reason, and some other policies are also specifically covering it. But it would be a mistake to assume it is a covered risk.
Getting quarantined at your destination. An unexpected extension of your trip can pose a big financial burden. Some TII policies include “quarantine” as a covered reason; others do not.
Canceling a trip because of a surge of coronavirus cases at your destination. Many policies don’t cover destination epidemics/pandemics at all as a covered reason to cancel. Some don’t even cover prepaid arrangements when your airline, hotel or cruise line cancels before you do. “Cancel for any reason” policies , typically available as extra-cost options, let you, rather than an insurance company bean-counter, decide whether you want to continue or cancel a trip. But those policies generally recover no more than 50% to 75% of your prepayments.

COVID-19 travel insurance coverage: Read the fine print

A basic problem with COVID-19 risks is that some insurance fine print hasn’t caught up with the coronavirus, so you can’t rely on an online comparison table to give you the answers.

Instead, this is one of those times when you need to buy your insurance through a specialized travel insurance agency and to go over exactly what you need with a qualified agent. Quotewright.com , Squaremouth.com , InsureMyTrip.com , G1G , Global Travel Insurance and TravelersMed.com would be appropriate in this case.

Bottom line: If you’re planning a trip in the pandemic era and you can’t afford to risk your entire vacation budget in the event of an unexpected emergency, you’ll want to consider travel insurance. But not just any off-the-shelf travel insurance. Work with a qualified agent at a specialized insurance company to the exact level of coverage you need.

You can finally get COVID-19 travel insurance (but what does it actually cover?)

We took a closer look at two travel insurance policies which offer COVID-19 cover, so you know what you're getting for your money.

Travel insurance which includes cover for COVID-19? Sounds great. But what's the catch?

Well, it turns out there are actually some pretty valuable benefits on offer. But, as with any insurance policy, there are things to watch out for too.

Firstly, there are only a few brands offering cover for coronavirus-related claims, so you have limited choice when it comes to providers.

Cover-More and Travel Insurance Direct (TID) are among the brands that have created cover for COVID-19. To find out what you really get for your money, we took a closer look at the benefits offered by both.

Importantly, the policies are affordably priced. For a week-long trip within Australia, we were quoted $66 from Cover-More and $61 from TID. That's for a 30-year-old traveller with no pre-existing medical conditions.

With both, you can expect cancellation costs to be covered if you contract COVID-19 or if your annual leave is revoked due to COVID-19 - although that's only for certain essential workers.

You can also expect to have quarantine costs covered in certain circumstances, as well as cancellation costs if your accommodation closes due to a confirmed case on-site.

However, while Cover-More and TID offer some valuable COVID-19 cover, they don't cover everything. For example, you're unlikely to be covered if you can no longer fly due to border closures or if your accommodation closes preemptively.

Here's a more comprehensive breakdown of the product disclosure statements, so you can get a better idea of what you're really covered for:

Cover-More - Find out more

Only policies taken from December 9 onwards include some cover for COVID-19. Here are some examples of what's included and what to watch out for:

Travel Insurance Direct (TID) - Find out more

TID's domestic policies cover costs associated with eight specific events related to COVID-19.

If you have to cancel because you or a travelling companion are diagnosed with COVID-19.
If a close relative or business partner in Australia is hospitalised or dies due to COVID-19 and you can no longer go.
If you or a member of your party are permanently employed as a healthcare worker, residential care worker or law enforcement officer, and your or their pre-approved leave is cancelled due to coronavirus.
If you're unable to stay at your pre-booked accommodation due to it being closed for cleaning following a confirmed case of COVID-19 on the premises.
If you're denied boarding on your scheduled pre-paid public transport due to you being suspected of being infected.
If you or a member of your travelling party are confined to compulsory quarantine during your trip as a result of contracting COVID-19 or being a close contact.
If you're diagnosed with COVID-19 during your trip and are unable to care for your dependent children, childcare services are covered.
If you're diagnosed with COVID-19 during your trip, necessary pet care services are covered.

Looking for a quote?

Compare travel insurance brands using the table below. Remember, domestic travel insurance has heaps of other benefits, even when it doesn't cover coronavirus-related claims.

We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.

Learn how we maintain accuracy on our site.

As australia reopens, don’t forget travel insurance.

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How COVID-19 Travel Insurance Works

From weekend getaways to extended vacations, specialized covid-19 travel insurance can provide security if the virus affects your travel plans..

3+ years writing about auto, home, and life insurance

7+ years in personal finance and technology

Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.

Read Editorial Guidelines

Featured in

Licensed auto and home insurance agent

4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

Updated September 18, 2023

Reading time: 4 minutes

Pandemic insurance
What’s covered
Is it worth it?
Secure a policy

Travel lets you see new places, meet new people, and experience different cultures. But the lurking shadow of COVID-19 can make traveling uncertain. Almost half of canceled trips in 2020 were due to the virus, according to the U.S. Travel Insurance Association (UStiA). [1]

Travel insurance can help if something goes wrong before or during your trip, but not all policies cover COVID-19 issues. Let’s explore how COVID-19 travel insurance works and how it might — or might not — shield you on your next journey.

How pandemic travel insurance works

Most travel insurance policies include protections for trip cancellations, delays, or other trip interruption coverage. However, many policies don’t cover disruptions due to pandemics. [2] That’s where COVID travel insurance comes into play.

COVID travel insurance is a specialized policy that can refund your money if the virus throws a wrench into your plans. It typically has three coverage levels: coverage for a trip delay, canceling for any reason, and medical care if you get sick.

Travel delay coverage

Illness, injury, jury duty, and other circumstances beyond your control can delay your travel plans. Travel delay insurance covers flight issues, bad weather, sudden breakdowns, and unexpected illnesses or injuries that happen before reaching your destination. It can pay you back for non-refundable expenses and cover extra costs, too — like food, hotel rooms, or cab rides.

Cancel for any reason

Travel insurance policies typically have strict rules, but a cancel-for-any-reason (CFAR) option offers more leeway, allowing you to cancel for reasons not covered in the original policy.

But with CFAR benefits, you might only get a partial refund amount. Reimbursements usually range from 50% to 75% of the total price. [2]

Medical coverage for COVID-19

If your health insurance is only valid in a specific area and doesn’t cover international travel, travel insurance with medical expenses coverage can fill the gap.

If medical insurance is included in your trip policy, it can help pay for medical attention and treatment costs if you, a family member, or another traveling companion becomes ill from COVID-19 before or during your trip.

Will travel insurance cover you if you need to quarantine?

Some travel protection plans cover quarantine or self-isolation due to COVID-19 concerns. It can reimburse you for lost prepaid expenses and cover additional lodging and meal costs. However, it depends on your policy and the conditions leading to the cancellation, delay, or disruption.

Protection often hinges on two factors:

Not all travel insurance plans include a pandemic as a covered reason. If COVID-19 was a significant public concern when you purchased the policy, insurers may not provide coverage because it’s a “foreseeable” threat. But some plans let you add COVID-19 coverage as an endorsement.

Even if you set out to buy COVID-19 travel insurance, it may not be available for your plan or location. Review your benefits and endorsement options to look for “pandemic” or “epidemic-related” language to see if COVID-19 is a covered event.

Is travel insurance worth it?

The Centers for Disease Control and Prevention (CDC) declared the COVID-19 public health emergency over in May 2023, but there’s still a risk of infection, according to the World Health Organization (WHO). [3] [4]

Your credit card’s travel protections are worth considering, but you may not want to rely on that alone. Credit cards often limit travel coverage, and most companies don’t include trip cancellation coverage. [5]

Travel delay benefits can fill the gap — especially benefits with COVID-19 coverage. Compare the policy cost against the potential loss if you have to cancel or delay your trip to determine if it’s worth it. The up-front payment for travel insurance is typically a fraction of what you might spend out of pocket if plans go south.

The CDC reports that medical bills in the first six months of a COVID-19 diagnosis average nearly $8,400. [6] Factor in non-refundable trip costs, accommodation charges, and other miscellaneous expenses, and the expenses can skyrocket.

How to find the best travel insurance

If you’re concerned about the pandemic and the potential effects on your travels, here are some tips to help you secure a policy with the best travel insurance plan:

Research coverage and services

Compare multiple companies and policies and read reviews to see others’ experiences.

Check for pandemic coverage

Not all policies cover travel disruptions from COVID-19. Review your coverage to make sure it specifically addresses pandemic reasons.

Buy medical coverage

Travel policies don’t automatically include medical emergencies. Consider adding medical travel insurance, and ask about emergency assistance coverage and medical evacuation in case of a natural disaster.

Consider a cancel-for-any-reason insurance policy

CFAR policies can be beneficial, especially with unpredictable pandemic-related concerns and travel restrictions.

Understand refund policies

Read the fine print and policy information to verify how the insurer handles refunds. Some policies might offer partial refunds.

COVID travel insurance FAQs

The COVID-19 virus has made travel plans tricky. Whether you’re planning a weekend getaway or a month-long vacation, here’s what you need to know about COVID-19 travel insurance.

Will travel insurance cover COVID cancellations?

It depends. Standard travel insurance policies don’t cover COVID-19 or other pandemic-related reasons, but some travel insurance companies offer specialty COVID-19 coverage against the virus’ potential interference. If you cancel your trip due to the virus, a COVID travel insurance policy may provide refunds or reimbursements for your expenses.

Do you get your travel insurance premium refunded if you cancel your trip?

Travel insurance offers varying refund policies depending on the travel insurance company, but it doesn’t refund your premium. Instead, coverage can reimburse you for prepaid trip costs, meals, hotel rooms, or cab rides because of the interruption.

Will travel insurance cover quarantine outside the U.S.?

It’s possible. Travel insurance policies may cover quarantine or self-isolation expenses outside the United States due to COVID-19 concerns. However, coverage depends on your specific policy and the circumstances leading to the quarantine. It’s crucial to review the specific details and look for “pandemic” or “epidemic-related” language to ensure coverage.

How does COVID travel insurance differ from regular travel insurance?

Regular travel insurance often covers typical trip cancellations, interruptions, or delays. However, many don’t address pandemic-related disruptions. COVID travel insurance provides specialized coverage for travel hiccups related to the virus, ensuring you’re shielded financially if COVID-19 affects your journey.

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The best Covid-19 travel insurance companies to protect yourself against the uptick in cases

Travel insurance can help if you have to cancel or cut a trip short due to covid..

Though the height of the pandemic may have passed, Covid-19 continues to be a consideration in everyday life. And that's especially true for those who are traveling or booking a trip.

Getting sick on the road or having to cancel your vacation because of illness is a common concern. However, travel insurance can help you ensure you're covered. Many travel insurance policies consider Covid like they would any other illness, but not all. So, you'll still want to carefully read any travel insurance policy you're considering to make sure Covid isn't excluded. For the most comprehensive coverage, you'll want to opt for a plan with cancel for any reason (CFAR) coverage.

To find the travel insurance policies best suited to handle Covid-related issues, CNBC Select looked at Covid coverage and limits for medical coverage and evacuation, among other factors. We found four standouts for the best Covid travel insurance policies. (See our methodology to learn more about how we created this list.)

Best Covid-19 travel insurance

Best overall : AXA Travel Insurance
Runner up : Nationwide Travel Insurance
Best for luxury travel : Berkshire Hathaway Travel Protection
Best for cancel for any reason coverage : Allianz Travel Insurance

Best overall

Axa assistance usa travel insurance.

The best way to estimate your costs is to request a quote

Policy highlights

AXA Assistance USA offers several travel insurance policies that include travel interruption, trip cancellation, and the option of cancel for any reason (CFAR) coverage.

24/7 assistance available

Three tiers of plans available
Highly rated for financial strength
Cancel for any reason only available on highest-tier coverage

Who's this for? AXA Travel Insurance is ideal for those seeking high coverage limits for emergency accident and sickness medical expenses, as well as emergency evacuations.

Standout benefits: AXA's silver plan offers up to $25,000 of medical emergency accident and illness coverage and $100,000 of emergency evacuation coverage, higher than many of the base travel plans we compared. The company's gold and platinum plans offer higher limits, up to $250,000 of medical emergency coverage and $1 million of evacuation coverage. When comparing AXA policies, make sure you have the "Epidemic Coverage Endorsement" included.

[ Jump to more details ]

Runner up

Nationwide travel insurance.

Nationwide's wide coverage for travel insurance allows many different types of travelers to find coverage that fits their needs. Three levels of cruise insurance coverage gives extra options to cruise passengers.

10-day review period on cruise insurance policies to make sure the plan meets your needs (not available in NY or WA)
Most basic cruise plan doesn't offer CFAR coverage

Who's this for? Nationwide's travel insurance offers higher limits than many other base plans we reviewed, with limits of $75,000 for medical coverage and $250,000 of emergency evacuation coverage in its essential plan.

Standout benefits: Nationwide offers several plans tailored to different needs, including a cruise-specific travel insurance plan and an annual plan for frequent travelers.

Best for luxury travel

Berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection has multiple plans to cover vacations from luxury travel to adventure travel. The brand's LuxuryCare offers the highest limits of travel insurance coverage offered by the company. Quotes and policies are available online.

Wide variety of policies available
Strong financial strength rating by AM Best
Cancel for any reason only provides reimbursement for up to 50% of non-refundable trip payments

Who's this for? Those considering expensive travel can find sufficient coverage with Berkshire Hathaway Travel Protection that meets a variety of needs, including coverage for Covid if needed.

Standout benefits: Berkshire Hathaway's top-tier LuxuryCare Travel Insurance includes coverage for up to 150% of the trip cost for trip interruption coverage and $100,000 of medical expense coverage.

Best for cancel for any reason coverage

Allianz travel insurance.

10 travel insurance plans make it possible to customize your coverage. For families, Allianz's OneTrip Prime package covers children age 17 and younger when traveling with a parent or grandparent.

Trip cancellation benefits can reimburse your prepaid, nonrefundable trip payments if you have to cancel your trip for one of the covered reasons stated in your plan documents.
Limited coverage for risky sports

Who's this for? For those wanting the option to cancel for any reason (CFAR), Allianz Travel Insurance plans offer lots of different options, including CFAR add-ons.

Standout benefits: Allianz's Cancel Anytime upgrade can reimburse up to 80% of non-refundable trip costs for almost any unforeseeable reason not already covered by the policy. That's higher than most other CFAR coverage, which generally covers 70% to 75% of non-refundable trip costs. It's only available on the brand's OneTrip Prime and OneTrip Premier policies.

More on our top Covid travel insurance companies

Axa travel insurance .

AXA offers three travel insurance plans starting at $16. Its silver plan, the lowest tier of coverage, offers high limits for emergency medical expenses at $25,000 and up to 100% of trip costs for trip interruption coverage. Many policies now include epidemic-related covered reasons.

CFAR coverage available?

Yes, up to 75% of prepaid, nonrefundable trip costs

24/7 assistance?

[ Return to summary ]

Nationwide Travel Insurance

Nationwide offers travel insurance plans for single trips, multi-trips and cruise-specific plans. The company has an A+ rating for financial strength from rating agency AM Best, and its most basic single trip and cruise plans offer a high limit of $75,000 of medical coverage.

Berkshire Hathaway Travel Protection

Berkshire Hathaway's travel coverage can be tailored towards the specific needs of cruise and luxury travelers, with options for higher coverage limits for medical coverage and trip interruption benefits.

Yes, up to 50% of prepaid, nonrefundable trip costs

Allianz Travel Insurance

Allianz Travel Insurance stands out for those who want cancel for any reason coverage, as the percentage reimbursed is higher than other travel insurance providers we reviewed. For traveling families, the company's OneTrip Prime plan also offers free coverage for children ages 17 and younger with a parent's coverage.

Yes, up to 80% of prepaid, nonrefundable trip costs through the optional Cancel Anytime upgrade

Does travel insurance cover Covid?

Travel insurance generally covers Covid-19 as it would any other illness. While fear of catching an illness isn't a cause for cancellation under most policies without a cancel for any reason (CFAR) add-on, being diagnosed with Covid-19 right before or during your trip could qualify you for cancellation, interruption or travel delay coverage.

As with any insurance coverage you're considering, read your travel insurance policy carefully to understand what it does and doesn't cover.

What does travel insurance cover?

Travel insurance can cover your trip expenses if you're unable to go due to an unforeseen, covered reason or face an illness or injury during your trip. It can also help in the event that you lose your bags or face delays in your itinerary.

Bottom line

If you find yourself coming down with Covid before or during a trip, travel insurance could help you recoup funds from a lost trip or cover medical bills while you're abroad. Look for a travel insurance plan with strong medical coverage and flexible cancellation options.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox. Sign up here .

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every travel insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of travel insurance products . To research the best travel insurance companies, we compiled over 100 data points on more than a dozen travel insurance companies. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best travel insurance.

Our methodology

To determine the best Covid-19 travel insurance companies, CNBC Select analyzed dozens of travel insurance companies and compared them based on their Covid policies, and medical and evacuation coverage limits.

While narrowing down the best travel insurance companies, we focused on Covid-19 coverage, availability of cancel for any reason coverage, and the limits of emergency medical coverage and emergency medical evacuation coverage. We also considered factors like whether 24-hour assistance was available, Better Business Bureau ratings, and financial strength ratings from AM Best .

Note that the premiums and policy structures advertised for travel insurance companies are subject to fluctuate in accordance with the company's policies.

Catch up on CNBC Select's in-depth coverage of credit cards , banking and money , and follow us on TikTok , Facebook , Instagram and Twitter to stay up to date.

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U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

The 5 Best COVID-19 Travel Insurance Options

Travelex Insurance Services »

Allianz Travel Insurance »

World Nomads Travel Insurance »

Generali Global Assistance »

IMG Travel Insurance »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best COVID Travel Insurance Options.

Table of Contents

Rating Details
Travelex Insurance Services
Allianz Travel Insurance

Even though COVID-19 is no longer considered a global emergency, concerns around illness-related costs remain for many travelers. If you're looking for travel insurance that covers COVID – as well as other potential disruptions like flight delays and lost luggage – these are your best options.

Travelex Insurance Services: Best Optional Coverage Add-ons
Allianz Travel Insurance: Best for Multitrip and Annual Plans
World Nomads Travel Insurance: Best for Active Travelers
Generali Global Assistance: Best for Comprehensive Travel Insurance
IMG Travel Insurance: Best for Travel Medical Insurance

Best COVID Travel Insurance Options in Detail

Plans include coverage for COVID-19

Optional CFAR coverage is available with Travel Select plan

Some coverages require an upgrade, including rental car collision, accidental death and dismemberment, and more

Not all add-ons are available with every plan

Allianz offers some travel insurance plans that come with an epidemic coverage endorsement

Single-trip, multitrip and annual plans available

COVID-19 benefits don't apply to every plan

Low coverage limits with some plans (e.g., only $10,000 in emergency medical coverage with OneTrip Basic plan)

24-hour travel assistance services included

More than 200 sports and activities covered in every plan

Low trip cancellation benefits ($2,500 maximum) with Standard plan

No CFAR option is offered

Free 10-day trial period

Some coverage limits may be insufficient

Rental car damage coverage only included in top-tier Premium plan

Offers travel medical insurance, international travel health insurance and general travel insurance plans

Some plans include robust coverage for testing and quarantine due to COVID-19

Not all plans from IMG offer coverage for COVID-19

Cancel for any reason coverage not available with every plan

Frequently Asked Questions

When comparing COVID-19 travel insurance options, you'll want to make sure you fully understand the coverages included in each plan. For example, you should know the policy inclusions and limits for COVID-related claims, including coverage for testing, treatments, trip cancellation or COVID-related interruptions that can occur. Meanwhile, you should understand how your coverage will work if you contract some other illness while away from home.

Also ensure your travel insurance coverage will kick in for other mishaps that occur, and that limits are sufficient for your needs. If you're planning a trip to a remote area in a country like Costa Rica or Peru , you'll want to have emergency evacuation and transportation coverage with generous limits that can pay for emergency transportation to a hospital if you need treatment.

You can also invest in a travel insurance policy that offers cancel for any reason coverage. This type of travel insurance plan lets you cancel and get a percentage of your prepaid travel expenses back for any reason, even if you just decide you're better off staying home.

It depends on your private health insurance provider and/or travel insurance policy. As of May 11, 2023, private health insurers are no longer required to cover the cost of COVID-19 testing. Out-of-pocket costs for COVID-19 test kits at local drugstores and on Amazon are relatively affordable, however.

As you search for plans that will provide sufficient coverage for your next trip, you'll find travel insurance that covers COVID-19 quarantine both inside and outside the United States. However, you'll typically need to have your condition certified by a physician in order for this coverage to apply. Also make sure your travel insurance plan includes coverage for travel claims related to COVID-19 in the first place.

Many travel insurance plans do cover trip cancellation as a result of COVID-19, although the terms vary widely. You typically need to be certified by a physician in order to prove your condition. Disinclination to travel because of COVID-19 – such as fear of exposure to illness – will generally not be covered. This means you will actually have to test positive for coronavirus for benefits to apply; simply not wanting to travel is not a sufficient reason to make a claim.

If you want more flexibility in your COVID-19 travel insurance, ensuring you have a cancel for any reason policy may be your best bet, but be sure to check with your chosen travel insurance provider to assess your options.

Why Trust U.S. News Travel

Holly Johnson is an award-winning writer who has been covering travel insurance and travel for more than a decade. She has researched the best travel insurance options for her own trips to more than 50 countries around the world and has experience navigating the claims and reimbursement process. Over the years, Johnson has successfully filed several travel insurance claims for trip delays and trip cancellations. Johnson also works alongside her travel agent partner, Greg, who has been licensed to sell travel insurance in 50 states.

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How to Find Travel Insurance That Offers COVID Coverage

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

Does travel insurance cover COVID?

What is not covered, finding travel insurers covering covid-19, the best covid travel insurance, covid travel insurance, recapped.

Traveling now carries with it more uncertainty than ever before. If you plan on traveling anytime soon, one thing you can do to protect yourself is get a trip insurance policy that includes coronavirus coverage. Previously, many insurers excluded COVID-related claims due to the virus’ status as a foreseen event/pandemic.

But now, some insurers are changing their tune. Here’s what you need to know about how to find travel insurance providers that offer coronavirus-related coverage, as well as what is and isn’t covered.

Coronavirus coverage falls into several categories:

Trip cancellation: You need to cancel a trip prior to departure because you, a covered travel companion or possibly someone you need to care for contracted COVID-19.

Trip delay: Your trip is delayed due to changing COVID-related guidelines.

Travel medical coverage : You (or a covered travel companion) become ill with COVID-19 while traveling abroad and incur health care expenses or require an evacuation.

Of providers that are offering COVID policies, most are covering these expenses.

» Learn more: The majority of Americans plan to travel this year, according to recent NerdWallet study

Countries with Level 4 travel advisories: Some insurers disclose that if a Level 4 Do Not Travel advisory is issued by the U.S. Department of State for a specific country, you will not receive coronavirus-related coverage. With cases surging in various countries unexpectedly, the list of Level 4 countries is constantly changing. Before booking a trip and purchasing a policy, make sure to check that the country does not have a Level 4 advisory.

Fear of getting sick while traveling: Canceling a trip because you’re afraid you’ll get sick does not qualify for coverage under your travel insurance policy. Travel insurance providers have a list of standard reasons that qualify for cancellation, including: car accident, jury duty, terrorist act, military duty and other extenuating circumstances. If you want ultimate flexibility to cancel a trip (no matter the reason), you’ll want to look into the cancel for any reason, or CFAR, supplemental upgrade , which is offered on some travel insurance plans. When you purchase CFAR, you can get up to 75% of your nonrefundable deposit back as long as you cancel at least two days in advance. Not all plans offer CFAR as an option, so research before you purchase if you're interested in this add-on.

COVID-related events not directly related to you: If you planned on going to a conference or a family reunion that was canceled due to COVID-associated concerns, your travel insurer will not reimburse your nonrefundable flight or hotel accommodations.

» Learn more: The best travel insurance companies right now

Generally, the policies underwritten by U.S.-based travel insurance providers vary by state, trip information, traveler’s ages and other various details. Travel insurance comparison site Squaremouth (a NerdWallet partner) is one of the very few comparison sites that allows you to filter by policies that offer coronavirus coverage.

To find a policy that specifically covers coronavirus-related losses, input your departure and return dates, your main destination and select “Search for Policies Now.”

In our example, we input the following details: A $3,000 paid-in-full trip to Greece leaving on Oct. 9 and returning on Oct. 18 by a 40-year old U.S. citizen who is a resident of California. The policy will include trip cancellation coverage.

When incorporating the “Coronavirus Pandemic” filter, the results reveal that 57 out of 100 policies include this coverage. You can select additional filters, such as cancel for any reason, if you’re looking for that optional upgrade.

The results can be sorted by price, top sellers, top reviews and insurance providers, offering plenty of ways to easily search for the specific policy you’re looking for.

Each of the top three policies (which is just a sampling of the nearly 60 options) includes coronavirus cancellation and medical coverage, and displays the associated limits. Trip cancellation coverage is $3,000, representing the value of the trip. The price of the policy is clearly stated and ranges from 4.8% to 6.1% of the total trip cost. This range represents very typical travel insurance costs .

» Learn more: Is travel insurance worth it?

A recent NerdWallet analysis determined providers Berkshire Hathaway Travel Protection , IMG and John Hancock Insurance Agency , Inc., among others.

Read the full results of best COVID-19 travel insurance .

Once you narrow your search, you’ll want to review the full policy details to ensure you’re familiar with what exactly is covered and not covered.

If you have specific questions — especially as they relate to the constantly changing travel advisories or whether coronavirus is considered as a foreseen event (which some providers will not cover) — you’ll want to reach out to the insurer. The last thing you want is to purchase travel insurance and later find out it will not cover you in your intended destination.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2023 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

Chase Southwest Rapid Rewards® Plus Credit Card

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

clock This article was published more than 3 years ago

What to know about travel insurance as the pandemic enters a second year

Travel insurance policies have adapted to include the coronavirus — but they still don’t cover everything..

When people first started wondering if the novel coronavirus would impact their travel plans, many who had travel insurance got a rude awakening: Pandemics were typically excluded from coverage.

Over the next few months, insurers started to adjust and cover travelers if they contracted the virus and had to cancel a trip or seek medical attention while away. But there are plenty of other reasons people might need to cancel a trip during the pandemic that insurance may not cover.

“The first thing to understand is that travel insurance is not going to cover, sort of in a blanket fashion, all of the various issues or road blocks, if you will, for traveling in this time,” said Stan Sandberg, a co-founder of TravelInsurance.com

Brian O’Connell, an analyst with InsuranceQuotes , said it is worth the effort to be savvy and well-informed about policies now.

“I know it’s boring, I know it’s dull,” he said. “Read the language and ask a lot of questions. I think that people are becoming better insurance consumers in the last 12 months.”

As we near the second year of the pandemic, here’s what people need to keep in mind when considering travel insurance and navigating the complicated task of planning any trips.

New ways to protect your 2021 vacation

Cancellation because of a coronavirus diagnosis should be covered

Those who catch the virus before leaving on a trip shouldn’t have to worry about bearing the cost of canceling.

“If you get sick with covid, travel insurance plans today will treat that like really any other kind of unexpected illness or sickness,” Sandberg said. Insurance should cover the nonrefundable costs of the trip that you have to miss.

Megan Moncrief, the chief marketing officer for travel insurance comparison site Squaremouth , said some insurance providers will ask for a doctor’s note or proof of a positive test.

Getting sick while traveling should be covered, too

Now that the Centers for Disease Control and Prevention requires a negative test before returning to the United States, travelers might discover they’re ill as they get ready to return home. Or they might develop symptoms even before they are scheduled for a return test.

Sandberg said the most common comprehensive policies should provide emergency medical expense coverage as well as coverage for the remaining nonrefundable costs of the trip, if it’s interrupted. For severe cases, he said, a comprehensive policy should also cover the cost of an emergency evacuation.

Moncrief said most policies will also pay for some of the costs of extending a trip if a traveler is forced to stay put and quarantine after a positive test result.

My annual travel insurance just auto-renewed and I've never felt so betrayed. — Stefan (@StefanEvans) January 28, 2021

Government rule changes aren’t a good enough reason to cancel a trip

If we have learned anything in the past year, it is that countries, states or cities might suddenly change their rules depending on the spread of the virus. More countries are now requiring quarantines for anyone who arrives, for example, and the U.S. government’s pre-arrival testing requirement went into place last month.

“The nature of travel has become so unpredictable with opening and closing borders, and changing requirements from the CDC,” Moncrief said. “Travelers say, ‘I don’t know what’s going to happen in three months, but I’m going to book this trip.'”

If travelers want any kind of protection for unforeseen government rule changes, their only option is to choose a “cancel for any reason” upgrade to a policy, if it’s available. That add-on comes with several caveats: It must typically be purchased within 14 days of the first payment made for a trip, and the traveler has to cancel the trip at least 48 hours before departure. It’s a costly option — roughly 40 percent more than a standard policy — and covers up to 75 percent of the nonrefundable cost of the trip.

Last-minute nerves? Insurance doesn’t have your back.

Experts also recommend the “cancel for any reason” upgrade if travelers are worried about an increase in cases in their destination or some other unforeseen crisis. Standard policies won’t help if new developments are scary enough to make people cancel their plans.

“We’re still hearing a lot of, ‘What if I’m afraid of travel?’” said Suzanne Morrow, vice president of business development at travel insurance comparison site InsureMyTrip . “Fear of travel never has been and never will be a covered reason.”

A beginner’s guide to travel insurance

And remember, some countries are requiring medical insurance that can cover coronavirus expenses

According to a roundup by Squaremouth, about a dozen countries are taking steps to make sure tourists can cover their medical expenses if they are diagnosed with the coronavirus during their stay. Depending on the country, that could mean providing proof of coverage up to a certain amount or paying for a local policy or government fee.

Costa Rica also requires minimum coverage of up to $2,000 for “extended lodging expenses” in case of infection with the virus or trip interruption. This, according to the country’s tourism board , “covers the extra cost of the passenger due to quarantine.”

Travel during the pandemic:

Tips: Advice column | Coronavirus testing | Sanitizing your hotel | Updating documents

Flying: Pandemic packing | Airport protocol | Staying healthy on planes | Fly or drive? | Layovers

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Travel Insurance

Packaged Bank Account Travel Insurance

Have peace of mind when you're on holiday with travel insurance that covers you.

About Travel Insurance as part of Packaged Bank Accounts

Travel Insurance, administered by AWP Assistance UK Ltd (trading as Allianz Assistance) and underwritten by AWP P&C SA, is just one of the insurance benefits that come with our Packaged Bank Accounts . Our Silver & Platinum Accounts are packed with benefits including Family travel insurance, AA Breakdown Family Cover and mobile phone insurance for a monthly fee to maintain the account.

Travel Insurance is also a benefit on the Premier , and Gold accounts however these are no longer available to new customers.

If you’re a Platinum, Premier, Gold or Silver account customer, please read our FAQs (PDF, 145KB) for more information about the travel insurance which comes with your account and COVID-19. You can also visit our payment disputes page , for help if your travel has been disrupted.

Compare accounts

How do I make a claim?

You can log your claim online using the Allianz Assistance Hub that can be securely accessed through your mobile banking app or by using Internet Banking. You can also make a claim by calling Allianz Assistance on +44 (0)345 850 5300 .

Eligibility for each account

I have a silver account expandable section.

If you have a Silver Account the account comes with European Travel Insurance for you and your family (if eligible) including Winter Sports. This insurance policy is administered by AWP Assitance UK Ltd (trading as Allianz Assitance) and underwritten by AWP P&C SA.

Am I eligible for cover?

All cover under the policy stops on the account holders 65th birthday - as long as the account holder is under 65, their spouse, civil partner or partner will be covered until they reach 65 years of age.
Children must be 18 or under, or 24 or under if they're in full time education and must travel with the account holder, their spouse, partner, civil partner or a responsible adult. There's cover for a dependent child where they are staying with a responsible adult even if they were not accompanied during their travel to the destination.
Subject to continued eligibility, you and your family are covered for travel within Europe as long as your Silver account is open.
Keep in mind the cover is provided only if you will be living in the United Kingdom for at least six months during each 12 month period where all trips must start and end.

Medical conditions that you or your family have (or have had), which are not all on the ‘No Screen Conditions’ list in your policy document are not covered by this policy. To see if these can be covered you must call the insurer declaring all medical conditions, including those on the list and an extra cost may apply. Before you book a trip you also need to let the insurer know of any new conditions or changes to existing ones. Please refer to the Silver welcome pack (PDF, 1.7MB) for full details of any exclusions.

Once your account has been opened should you wish to notify the insurer of any medical conditions please call the number below.

Silver Account: 0345 603 1839

Lines are open 24/7.

Not all Telephone Banking services are available 24 hours a day, seven days a week. Please speak to an advisor for more information.

I have a Gold, Platinum or Premier Account expandable section

If you have a Gold, Platinum or Premier Account, the account comes with Worldwide Travel Insurance for you and your family (if eligible) including Winter Sports. This insurance policy is administered by AWP Assistance UK Ltd (trading as Allianz Assistance) and underwritten by AWP P&C SA.

All cover under the policy stops on the account holders 80th birthday - as long as the account holder is under 80, their spouse, civil partner or partner will be covered until they reach 80 years of age.
Subject to continued eligibility, you and your family are covered for worldwide travel as long as your Lloyds Bank Gold, Platinum or Premier account is open.
Keep in mind there is only cover for losses suffered whilst you are a UK, Channel Islands or Isle of Man resident and are registered with a Doctor in the UK where all trips must start and end.

Medical conditions that you or your family have (or have had), which are not all on the ‘No Screen Conditions’ list in your policy document are not covered by this policy. To see if these can be covered you must call the insurer declaring all medical conditions, including those on the list and an extra cost may apply. Before you book a trip you also need to let the insurer know of any new conditions or changes to existing ones. Please refer to the relevant policy document for full details of any exclusions.

Once your account has been opened should you wish to notify the insurer of any medical conditions please call the appropriate number below.

Gold Account: 0345 850 5056
Platinum Account: 0345 850 5300
Premier Account: 0345 604 0440

What does my insurance come with?

Multi-trip European travel cover for you and your family (includes, if eligible, your spouse, civil partner or partner and children)
Includes golf cover and cover for certain sports and leisure activities
Covers UK leisure travel when two or more nights' accommodation is pre-booked (five nights for business trips)
There's cover for you or someone covered under the policy if a booked trip needs to be cancelled because either you or they, or a companion you are travelling with is asked to quarantine on an individual basis because of exposure to a contagious disease
Emergency medical cover (up to £10,000,000)
Cancellation or curtailment cover (up to £5,000)
Personal accident cover (up to £30,000)
Baggage cover (up to £2,500, £500 of which for valuables)
Travel disruption cover (up to £5,000)

Important note :

The standard maximum trip duration is 31 consecutive days
For Winter Sports maximum 31 days cover in any calendar year
£75 excess per adult per incident may apply
Other exclusions apply, see policy documents

Gold, Platinum and Premier Accounts

Multi-trip Worldwide travel cover for you and your family (includes, if eligible, your spouse, civil partner or partner and children)
The standard maximum trip duration is 31 consecutive days - unless you are a Premier account holder, which is 62 consecutive days
Gold and Premier accounts unavailable to new customers

Policy documents expandable section

Silver Account Welcome Pack opens in a new window (pdf, 2.1 MB)
Gold Account Welcome Pack opens in a new window (pdf, 1.3 MB)
Platinum Account Welcome Pack opens in a new window (pdf, 2.6 MB)
Premier Account Welcome Pack opens in a new window (pdf, 1.4 MB)

Important and emergency telephone numbers expandable section

You can find out more information about your travel insurance, or make a claim using the appropriate membership numbers below.

Silver Account: 0345 603 1839
Gold Account: 0345 850 5056
Platinum Account: 0345 850 5300
Premier Account: 0345 604 0440

Lines are open 24/7. Not all Telephone Banking services are available 24 hours a day, seven days a week. Please speak to an advisor for more information.

24-hour assistance helpline (outside the UK): +44 (0)208 239 4010 .

Packaged Bank Account benefits

Explore the other benefits of a Packaged Bank Account. Our Silver & Platinum Accounts include Family travel insurance, AA Breakdown Family Cover and mobile phone insurance for a monthly fee to maintain the account.

Mobile phone insurance

AA Breakdown Family Cover

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Important legal information

Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.

We may monitor or record telephone calls to check out your instructions correctly and to help us improve the quality of our service. Calls from abroad are charged according to the telephone service provider’s published tariff. Not all Telephone Banking services are available 24 hours a day, 7 days a week. Please speak to an adviser for more information.

IMAGES

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Best Travel Insurance in Singapore with Covid-19 Coverage
COVID-19 Travel Insurance: What Canadians Need to Know
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COMMENTS

PDF Platinum Account Worldwide Travel Insurance
Welcome to your Platinum Account Worldwide Travel Insurance. Please take time to read this policy document as it contains important information. If you have a question and cannot find the answer in this policy document, please contact Platinum Membership Services on 0345 835 3833. Known event:
TSB Platinum Mastercard® Travel Insurance
To activate and have cover under this policy, you must purchase at least 50% of your pre-paid travel expenses for your journey on your TSB Platinum Mastercard. At the time of purchase, your TSB Platinum Mastercard must be current for the entire period of insurance. Your pre-paid travel expenses include, but are not limited to air tickets, other ...
Does Travel Insurance Cover COVID?
Almost all travel insurance policies have a "fear of travel" clause. According to AIG, one of the world's largest travel insurance providers, "Trip cancellation for concern or fear of travel ...
Travel Insurance Companies with COVID-19 Coverage
Most travel insurance providers treat COVID-19 like any other covered sickness or illness. When quoting and buying on TravelInsurance.com, click on the "COVID-19 FAQs" link next to each plan to read COVID-19 coverage details. Sickness or injury to either the policyholder, a family member, or other travel companion is the most common covered ...
What Travel Insurance Covers COVID Quarantine?
Fortunately, there are still insurance providers that'll provide coverage in the event you're affected by COVID-19, including: Trip cancellation. Trip delay. Medical care/hospitalization ...
Be careful: Avoiding outbreaks isn't covered by most travel insurance
Many of the most popular travel insurance providers have published coverage alerts and frequently asked questions pages that provide information about COVID-19 claims. So, if you have travel insurance with a specific provider or are looking to buy travel insurance with a particular provider, you should read any information that the provider has ...
COVID travel insurance: What's covered (and what isn't) for trips
COVID-19 travel insurance coverage: Read the fine print. A basic problem with COVID-19 risks is that some insurance fine print hasn't caught up with the coronavirus, so you can't rely on an ...
Best COVID-19 Travel Insurance in April 2024
This is the shortlist of the best travel insurance for COVID options: Berkshire Hathaway Travel Protection. IMG. John Hancock Insurance Agency, Inc. Seven Corners. Travelex Insurance Services ...
You can finally get COVID-19 travel insurance (but what does it
Travel Insurance Direct (TID) - Find out more TID's domestic policies cover costs associated with eight specific events related to COVID-19. If you have to cancel because you or a travelling ...
Best Covid-19 Travel Insurance Plans Of 2024
The best Covid-19 travel insurance policies all offer a "cancel for any reason" travel insurance upgrade that provides 75% reimbursement of your insured trip cost. The best policies also ...
How COVID-19 Travel Insurance Works
It depends. Standard travel insurance policies don't cover COVID-19 or other pandemic-related reasons, but some travel insurance companies offer specialty COVID-19 coverage against the virus' potential interference. If you cancel your trip due to the virus, a COVID travel insurance policy may provide refunds or reimbursements for your expenses.
Best Covid-19 Travel Insurance of 2024
AXA Travel Insurance. AXA offers three travel insurance plans starting at $16. Its silver plan, the lowest tier of coverage, offers high limits for emergency medical expenses at $25,000 and up to ...
The 5 Best COVID-19 Travel Insurance Options
Travelex Insurance Services: Best Optional Coverage Add-ons. Allianz Travel Insurance: Best for Multitrip and Annual Plans. World Nomads Travel Insurance: Best for Active Travelers. Generali ...
PDF COVID-19 Travel Disruption Advice
The Platinum Card® Travel Accident Insurance: Notice of claim must be given to Indemnity Insurance Company of North America, by phone at 1-305-670-9935 or by fax at 1-305-670-9583. Travel Assistance Insurance: In case you need assistance, please call: 1-866-274-3547 or 1-312-935-3798 (collect). Travel Inconvenience Insurance:
How to Find Travel Insurance That Covers COVID
Travel insurance comparison site Squaremouth (a NerdWallet partner) is one of the very few comparison sites that allows you to filter by policies that offer coronavirus coverage. To find a policy ...
Travel insurance: What to know during the covid-19 pandemic
February 9, 2021 at 2:11 p.m. EST. (iStock/Washington Post illustration) When people first started wondering if the novel coronavirus would impact their travel plans, many who had travel insurance ...
How much Covid-19 protection does travel insurance offer in 2021?
According to a US Travel Insurance Association study released in 2019, Americans spent nearly $3.8 billion on travel protection in 2018 including on policies for trip cancellation and interruption ...
Travel Insurance
You can find out more information about your travel insurance, or make a claim using the appropriate membership numbers below. Silver Account: 0345 603 1839. Gold Account: 0345 850 5056. Platinum Account: 0345 850 5300.
Aviva and TSB extend home and travel partnership until 2028
Aviva announces that it has agreed with TSB to extend their partnership to offer home and travel insurance to TSB's five million UK-based customers. The agreement follows a competitive tender process and reflects the success of Aviva and TSB's existing partnership, announced in 2015. The renewed partnership will run to August 2028.
Coronavirus: How COVID-19 Is Affecting Travel Insurance
March 20, 2020. 6 mins. Canadian travellers may be puzzled over how the ongoing COVID-19 pandemic may influence their travel insurance policies and for a good reason. International travel has been upended by the worldwide spread of the novel coronavirus. We are inundated with new information about the outbreak on a near hourly basis leaving ...

TSB Platinum Mastercard® Travel Insurance

At a glance

Up to 90 days of cover

Epidemics and pandemics

Baggage, money, and travel documents

Cancellations and travel disruptions

Important phone numbers

How to make a Travel Insurance claim

Emergency Travel Assistance

General Travel Insurance policy enquiries

How to get travel insurance for your journey

Frequently Asked Questions

General FAQs

Are additional cardholders covered under this policy?

Travel Planning

When I have an urgent question while overseas, how do I confirm my coverage with Allianz Partners?

Are my children covered under this policy?

I am taking a long trip, can I extend the period of cover?

I am planning to book a one way trip, and later book the return journey, am I still covered?

I am booking additional flights while I am travelling, will they be covered by travel insurance?

Pre-existing Medical Conditions

What does a pre-existing medical condition mean?

Cover over 75 years of age

Is there a maximum age limit on the Travel Insurance?

What if I’m over 75 and still need cover?

What if I book my travel before I turn 75?

Will I pay a full annual fee if I’m over 75?

Am I covered if I test positive for Covid-19 in my destination country and I need medical care?

Am I covered if I test positive for Covid-19 in my destination country and I am required to isolate under the current local destination Covid-19 isolation rules, and I cannot complete my travel?

What if there are no isolation requirements in my destination country, but I have Covid-19 and I am too unwell to travel?

Allianz Partners

Don't forget to read this bit

Warning: There's a large gap in pandemic era travel insurance

What is trip cancellation and interruption insurance?

Popular trip cancellation and interruption policies

Chase credit cards

American Express cards

Purchased travel insurance

My travel insurance doesn't cover me, what now?

Call the airline or travel provider

Visit a second destination

Consider the risk

Forfeit the trip

Bottom line

Should you get travel insurance for vacations during COVID-19? Here's what to consider.

Travel insurance and COVID-19: What you need to know

COVID-19 travel insurance coverage: Read the fine print

You can finally get COVID-19 travel insurance (but what does it actually cover?)

We took a closer look at two travel insurance policies which offer COVID-19 cover, so you know what you're getting for your money.

Looking for a quote?

Related Posts

Coronavirus: How to plan your holiday if you’ve bought travel insurance too late

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How COVID-19 Travel Insurance Works

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