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Allianz Trip Insurance

Travel insurance provided by Allianz Global Assistance

Protect your travel experience

Read about Allianz Trip Insurance’s COVID-19 insurance coverage limitations and accommodations.

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Top reasons to buy trip insurance

Financial reimbursement if you have to cancel or interrupt your trip due to a covered illness, injury, jury duty, and more
Emergency medical benefits in and outside the U.S. – where many personal health insurance policies (like Medicare) won’t cover you
24-hour emergency assistance to help you solve medical and other travel-related problems on the go

Types of trip insurance plans

Allianz Trip Insurance comes in a variety of plans to fit your specific needs. Single-trip plans can protect one trip, annual plans can protect all your trips for an entire year, and rental car protection plans can keep your budget safe from accidental collision and damage to a rental vehicle.

All insurance is recommended / offered / sold by 3rd party, Allianz Global Assistance, not American Airlines. Underwriter: Jefferson Insurance Company or BCS Insurance Company. AGA Service Company is the licensed producer and administrator of these plans. AGA Service Company is a licensed producer in all 50 states plus the District of Columbia.

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Trip insurance benefits

Reimburses your prepaid, non-refundable travel expenses if you need to cancel your trip due to a covered illness, injury, and more.

Reimburses the unused, non-refundable portion of your trip and increased transportation costs it takes for you to return home early or to continue your trip due to a covered illness, injury, and more.

Reimburses expenses related to covered emergency medical or dental care incurred on your trip.

Provides benefits for medically necessary transportation to the nearest appropriate medical facility following a covered injury or illness.

Reimburses extra meals and accommodations you may need if your flight is delayed for 6 or more hours for a covered reason.

Reimburses you if your luggage is lost, damaged or stolen during your trip—keeping your travel plans on track.

Reimburses the purchase of essential items if your luggage is delayed for more than 24 hours.

Turn your trip into a VIP experience. Our travel experts can give you destination information, make restaurant reservations, find tickets to shows, and more.

Help is just a phone call away. Our team of multilingual problem solvers is available to help you with medical and other travel-related emergencies.

Provides primary coverage with no deductible.

Review period

If you’re not completely satisfied, you have 15 days (or more, depending on your state of residence) to request a refund, provided you haven’t started your trip or initiated a claim. Plans are non-refundable after this period.

Additional assistance

Coverage by country of residence.

Frequently asked questions

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best’s 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at 800-284-8300 or 9950 Mayland Drive,Richmond, VA 23233 or [email protected]

Email [email protected]

PLEASE BE ADVISED: This plan contains insurance benefits (which may include disability and/or health insurance benefits) that only apply during the covered trip. This optional coverage may duplicate coverage already provided by your personal auto, home, renter’s, health, life, personal liability, or other insurance policy or source of coverage but may be subject to different restrictions. You should review the terms of this policy with your existing coverage. If you have any questions about your current coverage, call your insurer/health plan or insurance agent/broker. This insurance is not required to purchase any other products/services. Unless licensed, travel retailers and their employees may provide general information about the insurance, including a description of coverage and price, but are not qualified/authorized to answer technical questions about terms, benefits, exclusions, and conditions of the insurance or evaluate the adequacy of existing coverage. Plans are intended for U.S. residents only and may not be available in all jurisdictions. Rental Car Protector is not available to KS and TX residents, except when purchased as a separate policy and is not available in all countries or for all cars. This coverage does not provide liability insurance or comply with any financial responsibility law, or any other law mandating motor vehicle coverage and does not cover you for any injury to another party. Additionally:

California Residents: We are doing business in California as Allianz Global Assistance Insurance Agency, License # 0B01400. California offers a toll-free consumer hotline at 1-800-927-4357.

New York Residents: The licensed producer represents the insurer for purposes of the sale. Compensation paid to the producer may depend on the policy selected, or the producer’s expenses, volume of business, or profitability. The purchaser may request and obtain information about the producer’s compensation, except as otherwise provided by law.

Maryland Residents: The purchase of travel insurance would make the travel insurance coverage primary to any other duplicate or similar coverage. The Commissioner may be contacted to file a complaint at: Maryland Insurance Administration, ATTN: Consumer Complaint Investigation Property/Casualty, 200 St. Paul Place, Suite 2700, Baltimore, MD 21202.

Texas Residents: Before deciding whether to purchase this insurance plan, you may wish to determine whether your own automobile insurance or credit card agreement provides you coverage for rental vehicle damage or loss and determine the amount of deductible under your own insurance coverage. The purchase of this insurance plan is not mandatory. This coverage is not all inclusive, which means it does not cover such things as personal injury, personal liability, or personal property. It does not cover you for damages to other vehicles or property. It does not cover you for any injury to any other party.

Plan charge includes the cost of insurance benefits and assistance services. See your Plan Details for more information, or call Allianz Global Assistance at 800-284-8300.

AGA Service Company dba Allianz Global Assistance (AGA) compensates their suppliers or agencies for allowing AGA to market or offer products to customers of the supplier or agency.

*Terms, conditions, and exclusions apply, including for pre-existing conditions. Plans may not be available to residents of all states. Insurance benefits are underwritten by either BCS Insurance Company or Jefferson Insurance Company, depending on insured’s state of residence. AGA Service Company is the licensed producer and administrator of these plans.

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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What You Need to Know Now About Travel Insurance

A spate of new travel insurance policies have begun covering Covid-19, just as many international destinations begin to require it. Here’s what to look for.

Share full article

By Elaine Glusac

When the pandemic struck, many travel insurance policies failed to cover Covid-19-related trip interruptions and cancellations, often because they excluded pandemics. But in the intervening months, the travel insurance industry has introduced a spate of new policies covering the disease just as many foreign destinations begin to require them.

“We’ve seen progress in that many plans will now treat Covid like any other unexpected sickness or illness,” said Stan Sandberg, a co-founder of the comparison website Travelinsurance.com . “If you have a trip and travel insurance and came down with Covid-19, which made it impossible to travel, that would fall under cancellation coverage as an unexpected illness that prevents you from traveling.”

Likewise, policies now including Covid-19 would cover holders in the event that a doctor diagnosed them with the virus while traveling under the trip interruption benefit.

Not all travel insurance excluded pandemics when the coronavirus began to spread early this year; Berkshire Hathaway Travel Protection was one exception. But the broader change partially arises from consumer demand, a better understanding of the virus — including mortality rates and hospital costs — and the industry’s eagerness for travel to resume.

“People who are traveling are more conscious of their risks and thinking about protecting themselves and their investment,” said Jeremy Murchland, the president of the travel insurer Seven Corners. The company launched policies that included Covid-19 coverage in June; they now account for more than 80 percent of sales.

But, like all insurance, the devil is in the details when it comes to understanding travel insurance, including what’s covered, destinations where it’s required, and the inevitable caveats, as follows.

How travel insurance covers Covid-19

The new Covid-inclusive insurance generally covers travelers from the day after purchase until their return home. During that period, if you become sick and a doctor determines you cannot travel (because of the virus or another illness), trip cancellation and trip interruption benefits would kick in.

These benefits vary by policy, but a search to insure a $2,000 weeklong trip to Costa Rica in December on Travelinsurance.com turned up a $69.75 Generali Global Assistance Standard policy with Covid-19 benefits that would be triggered if you, your host at your destination, a travel companion or a family member tested positive for the virus.

If this happened before your departure, the policy would cover your prepaid travel expenses. If you or your travel companion contracted Covid-19 during the trip and were diagnosed by a physician, it would reimburse prepaid arrangements, such as lodgings, and cover additional airfare to return home — once a doctor deems it safe to travel — up to $2,500. Should you be required to quarantine and can’t travel, travel delay coverage for lodging, meals and local transportation would pay up to $1,000. The policy also covers medical expenses for up to one year, even after you return home, up to $50,000 — though the policy also states that a holder would have to exhaust their own health insurance benefits before seeking coverage under the travel insurance plan.

Travelers should read these policies carefully to understand the benefits (for example, some rules vary by your state of residence), but brokers like TravelInsurance.com, InsureMyTrip and Squaremouth are making them easier to find through filters, F.A.Q.s and flags.

The new more comprehensive policies don’t necessarily cost more. On a Squaremouth search for insurance for two 40-year-olds on a two-week trip costing $5,000, the site turned up a variety of policies with or without coronavirus exclusions from $130 to $300, with no apparent premium for Covid-19 coverage.

Not every Covid-19-related expense is covered by many of these policies, including tests for the virus that many destinations require before arrival (those may be covered by private insurance).

Many policies include medical evacuation to a nearby facility, but won’t necessarily transport you home. For those concerned about treatment abroad, Medjet , a medical evacuation specialist, now offers Covid-19-related evacuations in the 48 contiguous United States, Canada, Mexico and the Caribbean that will transport you to the hospital of your choice in your home country (trip coverage starts at $99; annual memberships start at $189).

“Covid-19 requires special transport pods to protect the crew and others, which adds logistical issues,” said John Gobbels, the vice president and chief operating officer for Medjet.

In addition to the Medjet plan, travelers would need separate travel insurance with medical benefits to cover treatment costs and trip interruption.

Destination insurance requirements

Travelers aren’t the only ones worried about health. A growing list of countries are mandating medical coverage for Covid-19 as a prerequisite for visiting, often along with other measures like pre-trip virus testing and health screenings for symptoms on arrival.

Many Caribbean islands are among those requiring travel medical insurance, including Turks and Caicos and the Bahamas . St. Maarten requires health insurance coverage and strongly recommends additional travel insurance covering Covid-19.

Farther-flung countries also require policies that cover Covid-19, including French Polynesia and the Maldives .

Some destinations specify the required plan as a way to ensure travelers have the correct coverage and to expedite treatment. Aruba requires visitors to buy its Aruba Visitors Insurance, regardless of any other plans you may have.

“Insurance through a destination typically only covers Covid and infection while you’re there,” said Kasara Barto, a spokeswoman for Squaremouth.com. “If you catch Covid before, they don’t offer cancellation coverage. If you break a leg, the policy may only cover Covid medication. It varies by country.”

Costa Rica also requires insurance that includes an unusual benefit stipulating a policy cover up to $2,000 in expenses for a potential Covid-19 quarantine while in the country.

In response to the new requirement, which Costa Rica announced in October, insurers, including Trawick International , have begun introducing policies that meet the standard.

“It was a pretty quick and nimble reaction,” Mr. Sandberg of TravelInsurance.com said.

Normally, travel insurance varies by factors including the age of the traveler, destination, trip length and cost (most range from 4 to 10 percent of the trip cost). But some destinations are providing it at a flat fee, with most policies spelling out coverage limits and terms for emergency medical services, evacuation and costs associated with quarantines.

Jamaica, which will require insurance, but has not said when the new rule will go into effect, plans to charge $40 for each traveler. The Bahamas will include the insurance in the cost of its Travel Health Visa, an application that requires negative Covid-19 test results, which runs $40 to $60 depending on length of stay (free for children 10 and younger). The Turks and Caicos is offering a policy for $9.80 a day, and Costa Rica ’s policies, if purchased locally, cost roughly $10 a day.

Expect this list of destinations to grow. In January, the Spanish region of Andalusia plans to require travel medical insurance and is working on finding a provider to make it easy for travelers to buy it.

Gaps in travel insurance

Policies that cover Covid-19 as a medical event that may cause trip cancellation or disruption, or those that provide coverage for medical treatment and evacuation still don’t necessarily cover travelers who have a change of heart when they learn they will have to quarantine upon arrival, even if they don’t have the virus. Nor are policies necessarily tied to conditions on the ground, like a spike in infections, State Department travel warnings, a government travel ban or the cessation of flights to and from a destination.

For those events, there’s Cancel For Any Reason, or CFAR, an upgrade to plans that generally only returns 50 to 75 percent of your nonrefundable trip costs.

“Prior to the pandemic, we wouldn’t necessarily recommend CFAR because most of travelers’ concerns were covered by standard plans,” Ms. Barto of Squaremouth.com said. “It’s about 40 percent more expensive and we didn’t want travelers to pay for additional coverage.” Now, she added, there’s been a surge in interest in the upgrade, including in 22 percent of policies sold at the site since mid-March.

Industry experts predict some of these outstanding issues may work their way into policies of the future as they adapt to enduring realities, much as they did after 9/11 in covering travelers in case of terrorist events, which was not the norm before.

The pandemic “was unprecedented, but once it happened, the industry has been pretty quick to react and create coverage, and that’s in the spirit of how this industry is trying to define itself, to be one of those subtle but valuable assets,” Mr. Sandberg said. “Once the world opens back up, we expect travel insurance to be much more top of mind with travelers.”

Follow New York Times Travel on Instagram , Twitter and Facebook . And sign up for our weekly Travel Dispatch newsletter to receive expert tips on traveling smarter and inspiration for your next vacation.

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Best COVID-19 Travel Insurance in May 2024

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Table of Contents

Factors we considered when picking travel insurance that covers COVID

An overview of the best travel insurance for covid , top travel insurance for covid options , additional resources for covid-19 travel insurance shoppers.

No matter how well you prepare, travel plans don’t always go as expected. Some travelers buy travel insurance to protect their investment in prepaid travel costs. Amid the ongoing pandemic, exploring travel insurance with COVID-19 coverage is recommended. With the right policy, you can protect yourself if you need to cancel your trip or end it early due to illness. Many insurers offer travel insurance policies with this kind of coverage.

This is the shortlist of the best travel insurance for COVID options:

Berkshire Hathaway Travel Protection .

John Hancock Insurance Agency, Inc.

Seven Corners .

Travelex Insurance Services .

Travel Insured International .

WorldTrips .

We used the following factors to choose insurance providers to highlight in our best travel insurance for COVID list:

Range of coverage: We looked at how many plans each company offered with COVID-19 coverage, plus the range of available plans.

Depth of coverage: We compared the maximum caps for trip cancellation and trip interruption claims between carriers and plans.

Medical benefits: We examined whether plans included emergency medical benefits for COVID-19 reasons and whether plans included medical evacuation and repatriation benefits.

Cost: We determined an average cost for shoppers to benchmark plan prices by looking at the basic coverage costs for plans with COVID-19 benefits across multiple companies.

We looked at quotes from various companies for a six-night trip in May 2023 to Croatia. The traveler was 30 years old, from Texas and planned to spend $1,500 on the trip, including airfare.

On average, the price of each company’s most basic coverage plan with COVID-19 coverage was $47.22. The prices listed below are for the most basic COVID-19 travel insurance coverage. All insurers offer multiple COVID-19 policies with greater coverage coming at a higher cost.

Let's take a closer look at our eight recommendations for travel insurance with COVID coverage:

Berkshire Hathaway Travel Protection

What makes Berkshire Hathaway Travel Protection great:

Several plans allow policyholders to cancel for COVID-19 sickness as part of trip cancellation and trip interruption insurance benefits.

Several plans include COVID-19 medical coverage benefits.

Medical evacuation benefits are included in these plans.

Plans include limited sports and activities coverage and sports equipment loss benefits.

Basic Berkshire Hathaway Travel Protection will run you $50 for an ExactCare Value policy, the company’s most basic COVID-19 travel insurance coverage option.

What makes IMG great:

Many plans include COVID-19 cancellation benefits.

Most of these plans also include COVID-19 medical benefits (the Travel Essentials plan doesn’t include this).

Medical evacuation coverage is available on select plans.

Coverage for adventure travel is available for an extra cost.

IMG is a good option for the budget-minded: Its Travel Essential plans cost more than $10 less than average based on our comparison.

John Hancock Insurance Agency, Inc.

What makes John Hancock Insurance Agency great:

Multiple plans offer COVID-19 cancellation benefits as part of the included trip interruption and trip cancellation coverage.

These plans offer COVID-19 medical benefits.

Medical evacuation coverage is included in all COVID-19 coverage plans.

The John Hancock Insurance Agency, Inc. basic plan (Bronze) costs $56.

Seven Corners

What makes Seven Corners great:

Multiple plans offer COVID-19 cancellation benefits as part of the included trip interruption and trip cancelation coverage.

These plans include COVID-19 medical benefits and evacuation and repatriation benefits.

There is no medical deductible.

Seven Corners’ basic coverage plan (RoundTrip Basic) for our trip to Croatia costs $44.

Travelex Insurance Services

What makes Travelex Insurance Services great:

Multiple plans include Covid-19 sickness coverage, which reimburses prepaid and nonrefundable trip payments if a trip is canceled or interrupted due to a traveler contracting the virus.

These plans also include COVID-19 medical benefits.

Medical evacuation and repatriation benefits are included.

Basic coverage (Travel Basic) from Travelex Insurance Services costs $44 for our sample trip, which is slightly cheaper than average.

Travel Insured International

What makes Travel Insured International great:

Multiple plans cover COVID-19 cancellation benefits as part of the included trip interruption and trip cancelation coverage.

These plans also include COVID-19 medical benefits, including medical evacuation.

Limited sports and activities coverage is included in plans with COVID-19 coverage.

Travel Insured International's basic coverage (Worldwide Trip Protector Edge) begins at $55 — only a few dollars more than the average basic policy price.

What makes Tin Leg great:

A wide range of plans offer COVID-19 cancellation benefits as part of the included trip interruption and trip cancelation coverage.

All of these plans also include COVID-19 medical benefits.

All of these include medical evacuation benefits.

An adventure travel policy is available.

Another plus: Tin Leg’s basic coverage plan (Basic) for our trip to Croatia costs $48.85 — making it right around the average price for the policies we covered.

WorldTrips

What makes WorldTrips great:

Several plans include medical coverage for COVID-19.

Sports and activities and sports equipment loss are included.

Coverage can be extended for up to thirty days, including for medical quarantine purposes.

WorldTrips’ most affordable plan with COVID-19 coverage (Atlas Journey Economy) starts at $44, making it a low-cost option.

Do you want to learn more about travel insurance before you spend money on a policy? Take a look at these resources:

What is travel insurance?

What does travel insurance cover?

The best travel insurance companies

How to find the right travel insurance for you

10 credit cards that provide travel insurance

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 2024 , 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

Chase Southwest Rapid Rewards® Plus Credit Card

on Chase's website

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.

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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Domestic Travel Insurance
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Travel Insurance

Travel a little freer knowing we're on the journey with you

AA Travel Insurance

Travel is part of the Kiwi DNA, but even the best laid travel plans can go unexpectedly wrong. That’s why we offer AA Travel Insurance plans - so you can travel a little freer here in NZ or overseas, knowing help is only a phone call away.

With AA Travel Insurance, your trip can be protected from unforeseen cancellation and loss of deposits before you even depart. So if something happens in the lead-up to your trip, we can be there to help you.

To understand what cover AA Travel Insurance provides for epidemic and pandemic diseases, like COVID-19, check out our FAQs .

Get a quote

Why choose AA Travel Insurance

Get a quote online in minutes, so you can get back to planning your adventure. All you need are your travel dates, destination and any companions.

We’ve made the process simple, with domestic and international plans to choose from.

With AA Travel Insurance being one of NZ’s trusted travel insurance brands, we are proud to take care of Kiwis’ insurance needs.

We’re backed by the Allianz Worldwide Emergency Assistance programme, ready to help you no matter where you are in the world.

Playing at home or away?

Whether you're hitting the ski slopes or ticking a Great Walk off your list, make sure your trip is covered from unexpected costs like cancellation, travel disruption, and rental vehicle excess.

International

With three plans to choose from, our International Insurance cover is designed to make sure you can still enjoy your holiday even if something goes south.

AA Travel Insurance Benefits:

AA Member discount

AA Members can get a 10% discount* on new AA Travel Insurance policies. Simply provide your AA Membership number when you apply.

Cover for missed connections or travel delay

If you miss connections or have any travel delays because of an unexpected situation, you’ll be able to claim up to the benefit limit of your chosen policy. That means cover for extra costs to make alternative travel arrangements or additional delay costs.

Free cover for dependent children

Dependent children travelling with someone covered under a policy can be covered at no additional charge (for Domestic Cover – that's up to 18 years, and for International Cover – up to 21 years).

Cover for some COVID-related situations^

Both domestic and international options include selected cover for epidemic and pandemic diseases, like COVID-19. So if you’re diagnosed on your trip and need medical assistance or need to change your plans, you’ll be covered.

Cover before you depart

Your trip is protected from unforeseen cancellation and loss of deposits the moment your cover is confirmed.

Cover for recreational activities

Some recreational sports are automatically covered under our policies, including leisure skiing and snowboarding, hot air ballooning, parasailing and paragliding, bungee jumping, and white-water rafting in grade 4 rivers (or less).

For all of these benefits, please make sure you read the Policy Wording to understand the terms, conditions, limits, and exclusions that may apply.

^The policy still has a general exclusion for epidemics and pandemics, and does not cover disinclination to travel due to fear or change of mind. Cover is only provided if you have not commenced your journey against the New Zealand Government’s advice not to travel. There is no cover for lockdowns, changes in government alert levels, quarantine or mandatory isolation applying to a population or part of a population. Please refer to the Policy Wording for full details.

^Terms, conditions, limits, sub-limits and exclusions apply and these are stated in the Policy Wording . Customers considering the purchase of a travel insurance policy should read the Policy Wording to check what is and isn’t covered.

Have a question?

Our friendly New Zealand-based team are here to help. Give them a call anytime from 8:30am to 5pm Monday to Friday, or pop into one of our AA Centres to speak to a consultant.

Call: 0800 630 115

Frequently asked questions

What countries does my selected cover^ for epidemic and pandemic diseases (including Covid-19) cover?

All countries that do not appear on the Level 4 warning “Do not travel” advisory listed on SafeTravel.

SafeTravel houses all warnings inclusive of non-Covid-19 advisories which are issued by the Ministry of Foreign Affairs and Trade (MFAT).

If I contract Covid-19 prior to travelling do I have selected cover^ for epidemic and pandemic diseases?

Cover is in place, providing that the country you are travelling to does not have a MFAT, SafeTravel or New Zealand Government Level 4 warning “Do not travel” in place.

If I contract Covid-19 in transit to my destination country do I have selected cover^ for epidemic and pandemic diseases?

Cover is in place, providing that the countries you are travelling to do not have a MFAT, SafeTravel or New Zealand Government Level 4 warning “Do not travel” in place.

Does selected cover^ for epidemic and pandemic diseases still apply if I am unvaccinated?

Cover is in place as there is no requirement to be vaccinated/boosted under our policy. However, if the destination country requires an inbound traveller to be vaccinated, then the traveller must be able to meet these entry requirements. This also applies to the condition of carriage for example of the airline they are travelling. There is no cover if denied boarding or entry to a country due to not meeting the carrier or country vaccination requirements.

Are there any mandatory epidemic and pandemic insurance requirements to enter certain countries?

Many countries, even before the pandemic, had compulsory health and travel insurance requirements, but many more have since added rules – typically around Covid-19 medical expenses and the associated costs. The coverage type and amount varies by vaccination status and country. Prior to travelling, check with the nearest embassy, consulate or immigration department of the destination.

If I had Covid-19, should I declare this as a Pre-existing Medical Condition?

At the time of purchasing your policy if you have previously had Covid-19 and are now testing negative, are feeling well with no symptoms at all, then you do not need to declare this as a Pre-existing Medical Condition. A Covid-19 positive test result at a later date would be considered a new infection.

However, if you are:

still testing positive; or
still displaying Covid-19 signs and symptoms; or
have been diagnosed with 'long Covid';

and you wish to have cover, you need to disclose the condition as a Pre-existing Medical Condition and an additional premium may be payable.

Our insurance partner

AA Travel Insurance policies are brought to you by the New Zealand Automobile Association Incorporated (AA), are 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) ("Hollard"). You should consider the Policy Wording before making any decisions about this insurance policy. Terms, conditions, limits, sub-limits and exclusions apply.

Financial Strength Rating

The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 (Incorporated in Australia), ("Hollard"), has been given a financial strength rating of A (Strong) issued by Standard and Poor's. View the full details on the Financial Strength Rating .

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.

Financial advice

The New Zealand Automobile Association provides general information about AA Travel Insurance products and services so that you can make a choice that best meets your needs. Information provided does not take into account your personal circumstances, needs or goals and is not intended to be financial advice. If you'd like to receive financial advice, you can get professional advice from a registered financial adviser.

More information

*AA Members can receive a 10% discount on AA Travel Insurance. Simply provide each traveller’s valid AA Membership number on application. Discount applies to the premium for each AA Member on standard policy and any additional pre-existing medical cover, but doesn’t apply to additional cover for high value items.

June 1, 2020

Due to travel restrictions, plans are only available with travel dates on or after

Due to travel restrictions, plans are only available with effective start dates on or after

Ukraine; Belarus; Moldova, Republic of; North Korea, Democratic People's Rep; Russia; Israel

This is a test environment. Please proceed to AllianzTravelInsurance.com and remove all bookmarks or references to this site.

Use this tool to calculate all purchases like ski-lift passes, show tickets, or even rental equipment.

UPDATED APRIL 6, 2022

The information in this FAQ is current as of the time of publication but is subject to change . Please see our Coverage Alert for the latest coverage information. The information in this FAQ is intended to provide general information only and is not a coverage determination in any respect on any claim. All claims are evaluated under the terms, conditions, and exclusions of the plan purchased based on the particular facts and circumstance of that claim. The below FAQ responses address only losses incurred on or after the publication date of these FAQs . If a loss was incurred prior to that date, these responses may not apply to you or may vary. Please contact us at the number listed on your plan with any questions about coverage or to file a claim.

For customers purchasing a new travel protection plan, some of our plans now include an Epidemic Coverage Endorsement, which adds epidemic-related covered reasons for certain benefits. Benefits vary by plan and by state of residence, and are not available in all jurisdictions.

Please read your plan documents to see if the Epidemic Coverage Endorsement is included in your plan. We are also offering certain temporary accommodations as described in our COVID-19 coverage alert .

For frequently asked questions regarding details of the Epidemic Coverage Endorsement, see below section on “Epidemic Coverage Endorsement.”

General COVID-19

+ - i am worried about covid-19 impacting a trip i have scheduled or plan to schedule. should i buy an allianz travel protection plan to cover me in case covid-19 impacts my trip.

COVID-19 is a known and evolving epidemic that is impacting travel worldwide, with continued spread and impacts expected. Our travel protection plans do not generally cover losses directly or indirectly related to known, foreseeable, or expected events, epidemics, government prohibitions, warnings, or travel advisories, or fear of travel.

However, we are pleased to announce the introduction of our Epidemic Coverage Endorsement to certain plans purchased on or after March 6, 2021. This endorsement adds certain new covered reasons related to epidemics (including COVID-19) to some of our most popular insurance plans. Please see the below FAQ section on “Epidemic Coverage Endorsement” for more information. Note, the Epidemic Coverage Endorsement may not be available for all plans or in all jurisdictions. To see if your plan includes this endorsement, please look for “Epidemic Coverage Endorsement” on your Declarations of Coverage or Letter of Confirmation.

Additionally, in response to the ongoing public health and travel crisis, we are temporarily extending certain claims accommodations as follows*:

1. For plans that do not include the Epidemic Coverage Endorsement, we are temporarily accommodating claims for the following:

Emergency medical care for an insured who becomes ill with COVID-19 while on their trip (if your plan includes the Emergency Medical Care benefit)
Trip cancellation and trip interruption if an insured, or that insured’s traveling companion or family member, becomes ill with COVID-19 either before or during the insured’s trip (if your plan includes Trip Cancellation or Trip Interruption benefits, as applicable)

2. If an insured or their traveling companion become ill with COVID-19 while on their trip, that insured will not be subject to the Trip Interruption benefit’s five-day maximum limit for additional accommodation and transportation expenses (however, the maximum daily limit for such expenses and the maximum Trip Interruption benefit limit still apply).

These temporary accommodations are strictly applicable to COVID-19 and are only available to customers whose plan includes the applicable benefit. These accommodations apply to plans currently in effect but may not apply to plans purchased in the future, so please refer to our Coverage Alert for the most up to date information before purchasing.

+ - Am I covered if I want to cancel my travel plans because I’m afraid to travel due to COVID-19?

No, canceling a trip because you’re afraid to travel due to COVID-19 is generally not covered by our travel protection plans.

However, if you’re concerned about traveling during this time, many airlines and other travel suppliers are allowing their customers to change the dates of their travel without change fees. If you change your trip’s dates, we are happy to allow you to move your plan coverage dates to cover a new or rescheduled trip, so long as that trip is scheduled to be completed within 770 days from the plan’s original purchase date.* For terms and details, please see the below FAQ on changing your travel protection plan’s effective dates .

This temporary accommodation is strictly applicable to COVID-19. This accommodation applies to plans currently in effect but may not apply to plans purchased in the future, so please refer to our Coverage Alert for the most up to date information before purchasing.

+ - Am I covered if I cancel or interrupt my trip due to COVID-19?

Claims due to known, foreseeable, or expected events, epidemics, government prohibitions, warnings, or travel advisories or fear of travel are generally not covered. As such, our travel insurance plans do not generally cover trip cancellations or interruptions directly or indirectly related to COVID-19.

+ - What if my travel supplier (e.g. airline, cruise line, tour operator, etc.) cancels a portion or all of my trip due to COVID-19?

Travel supplier cancellations due to COVID-19 are generally not covered under our travel protection plans. However, if your supplier cancels your trip, you may be eligible for a refund directly from your supplier, and we encourage you to contact them for assistance.

If you have rescheduled your trip or rebooked a new trip, we are happy to allow you to move your plan coverage dates to cover a new or rescheduled trip, so long as that trip is scheduled to be completed within 770 days from the plan’s original purchase date.* For terms and details, please see the below FAQ on changing your travel protection plan’s effective dates .

Alternatively, if your travel supplier has canceled your trip due to COVID-19, you may be eligible for a refund of the cost of your travel protection plan.* For terms and details, please see the below FAQ on canceling your plan .

These temporary accommodations are strictly applicable to COVID-19. These accommodations apply to plans currently in effect but may not apply to plans purchased in the future, so please refer to our Coverage Alert for the most up to date information before purchasing.

+ - Am I covered if I cancel my travel plans because of a travel ban or other government-imposed restriction on travel related to COVID-19?

No, canceling a trip because of a travel ban or other government-imposed restriction on travel directly or indirectly related to COVID-19 is generally not covered by our travel protection plans.

Please note, many airlines and other travel suppliers are allowing their customers to change the dates of their travel without change fees. If you change your trip’s dates, we are happy to allow you to move your plan coverage dates to cover a new or rescheduled trip, so long as that trip is scheduled to be completed within 770 days from the plan’s original purchase date.* For terms and details, please see the below FAQ on changing your travel protection plan’s effective dates .

+ - How do I know if COVID-19 testing and/or vaccination is required for my destination?

Check our interactive map for the latest information on travel requirements and entry restrictions for international destinations, including COVID-19 testing, vaccination policies, necessary travel documents and quarantine periods. (Content is provided by Sherpa, an affiliated third party).

Please keep in mind that travel restrictions change often, so you should check the travel requirements again before you leave for your trip.

+ - What should I do if my destination requires proof of travel insurance that covers COVID-19?

If your destination requires proof of travel insurance, we're happy to provide a summary letter that describes your travel insurance plan benefits, also called Proof of Insurance. Click here to request Proof of Insurance (please allow approximately 48 hours for a response).

If you’re not sure whether the information provided in the Proof of Insurance satisfies the requirements of your destination country, we recommend that you or your travel advisor contact the nearest embassy or consulate of that country to confirm.

+ - Can travel insurance cover trip cancellation or interruption if I don't meet the COVID-19 entry requirements for my destination?

Failing to meet a country’s entry requirements, whether for COVID-19 or any other reason, is not a covered reason for trip cancellation or interruption. It’s the responsibility of the traveler to check international entry requirements before booking a trip.

Before you book, and before you travel, use our interactive map to see current information on travel requirements and entry restrictions for international destinations, including COVID-19 testing, vaccination policies, necessary travel documents and quarantine periods. (Content is provided by Sherpa, an affiliated third party).

+ - I have an upcoming trip to an area with reported cases of COVID-19. Will I be covered if I cancel my trip?

No, canceling a trip because of an area being affected by COVID-19 is generally not covered by our travel protection plans.

+ - Am I covered if I cancel or interrupt my trip because the government has issued a travel advisory or warning for my destination due to COVID-19?

Our plans do not generally cover losses directly or indirectly resulting from government-issued travel advisories or warnings related to COVID-19, including those issued by the U.S. Centers for Disease Control and Prevention (CDC) and U.S. Department of State.

However, as a temporary accommodation, please note that the accommodations and other coverage for which you are otherwise eligible under your plan continue to apply regardless of any U.S. Centers for Disease Control and Prevention and U.S. Department of State travel alerts regarding COVID-19 that exist on the effective date of our COVID-19 Coverage Alert . For the latest information and updates, please see our COVID-19 Coverage Alert .

+ - Can I cancel my travel protection plan and get the cost of my travel protection plan refunded?

You may be eligible to cancel your plan and receive a refund of your plan cost in the following situations:

You generally have 15 days (or more, depending on your plan and state of residence) from the date your plan was purchased to request a refund of the cost of your plan, provided you have not started your trip or initiated a claim. Please note, plan refund rules vary by state and plan purchased, so please see your plan for details.
Additionally, for a temporary period, we are offering refunds for the cost of your single-trip travel protection plan if your travel supplier cancels your trip due to COVID-19, as long as no payable claim has been filed under the plan. (This is not available for annual travel insurance plans, which may be canceled any time for a refund of unearned premium.) Refunds must be requested within 770 days of the original plan purchase date.*

To cancel your plan for one of these situations, please call us at the number listed on your plan.

Unless earlier canceled or otherwise ended in accordance with its terms or the accommodations stated here, plans end 770 days after the original plan purchase date. Plans do not provide any coverage or accommodation for any loss incurred after the plan ends.

+ - If I rebook my trip to a later date, can I change my travel protection plan’s effective dates to cover the rebooked trip?

Yes, you may change your travel protection plan’s effective dates to cover a new or rescheduled trip, as long as that trip is scheduled to be completed within 770 days from the plan’s original purchase date. Changes can be made at www.allianztravelinsurance.com or by calling the phone number on your plan.

Please note, if you wish to move your plan’s covered trip dates to cover a new or rescheduled trip, you must update your trip dates prior to the departure date of that new or rescheduled trip and prior to any loss for which you seek coverage.* Additionally, if your trip costs for your new or rescheduled trip are different than the cost of your original trip, you will need to update your plan’s coverage limits accordingly. Any change in trip cost insured for the new or rescheduled trip may result in a change in premium. If you update your plan’s trip dates to cover a new or rescheduled trip but do not adjust your limits, the original plan limits will apply to the new or rescheduled trip.

+ - What are your temporary accommodations for COVID-19?

To learn more about the temporary, specific accommodations we are currently offering, please read our Coverage Alert . These accommodations apply to plans currently in effect but may not apply to plans purchased in the future, so please refer to our Coverage Alert for the most up to date information before purchasing.

+ - Am I covered for trip cancellation due to COVID-19 if I have a Cancel Anytime plan?

Our Cancel Anytime plans provide up to 100% reimbursement of non-refundable, pre-paid trip costs when a trip is canceled for a covered reason, and up to 80% of those costs for most other unforeseen reasons for cancellation. However, our plans do not provide “Cancel For Any Reason” coverage, and coverage under these plans is subject to terms, conditions, and exclusions. Specifically, Cancel Anytime plans generally exclude coverage for losses directly or indirectly resulting from any of the following: known, foreseeable, or expected events, epidemics, and government prohibitions, and certain other causes of loss. As such, losses directly or indirectly resulting from COVID-19 are not generally covered under our Cancel Anytime plans.

+ - Am I covered if I need emergency medical care because I become ill with COVID-19 while on my trip?

Claims due to known, foreseeable, or expected events, epidemics, government prohibitions, warnings, or travel advisories or fear of travel are generally not covered. As such, our travel insurance plans do not generally cover medical claims directly or indirectly related to COVID-19.

However, we are pleased to announce the introduction of our Epidemic Coverage Endorsement to certain plans purchased on or after March 6, 2021. This endorsement adds certain new covered reasons related to epidemics (including COVID-19), including related to emergency medical care if you or a traveling companion become ill with COVID-19 while on your trip, to some of our most popular insurance plans. Please see the below FAQ section on “Epidemic Coverage Endorsement” for more information. Note, the Epidemic Coverage Endorsement may not be available for all plans or in all jurisdictions. To see if your plan includes this endorsement, please look for “Epidemic Coverage Endorsement” on your Declarations of Coverage or Letter of Confirmation.

Please note, the above applies to emergency medical care for insured individuals who become ill with COVID-19 while traveling. For the elimination of doubt, we do not provide coverage or reimbursement for the cost of COVID-19 testing required for travel, the cost of COVID-19 vaccination, or any other such expenses.

We urge any customer who has a medical issue while traveling or needs help to call us. We are assisting customers 24/7/365 who wish to change their travel plans, need travel assistance, or would like to file a claim. Our assistance team is ready to help all of our customers who need help while traveling, such as locating medical facilities or rebooking transportation. You can also use our self-service options on this website. We review every claim based on its unique facts and circumstances and are happy to answer any questions you may have.

+ - Is a “long-haul” or an ongoing or active case of COVID-19 considered a pre-existing medical condition?

Our plans generally define a pre-existing medical condition as an injury, illness, or medical condition that, within the 120 days prior to and including the purchase date of your travel protection plan:

Caused a person to seek medical examination, diagnosis, care, or treatment by a doctor;
Presented symptoms; or
Required a person to take medication prescribed by a doctor (unless the condition or symptoms are controlled by that prescription, and the prescription has not changed).

The illness, injury, or medical condition does not need to be formally diagnosed in order to be considered a pre-existing medical condition.

If your medical documentation indicates that COVID-19 symptoms/treatment were present within the 120 day look-back period prior to your insurance purchase, the condition could fall under the definition of a pre-existing medical condition.

Please note: Many plans include a Pre-Existing Medical Condition Exclusion Waiver. If your travel insurance plan includes this Waiver, and you meet the conditions of the Waiver, then this exclusion will not apply to your plan. One of the conditions to qualify for this Waiver is that you must be medically able to travel on the day you purchased your plan. As such, if you are not medically able to travel on the day you purchase your plan as a result of “long-haul” or an ongoing or active case of COVID-19, you may not be eligible for this Waiver. Please see your plan documents for details, and learn more about pre-existing medical conditions here .

Epidemic Coverage Endorsement

+ - if i was exposed to someone with covid-19, would trip cancellation benefits apply.

Exposure to someone with COVID-19 is not by itself a covered reason under the Trip Cancellation benefit. However, the Trip Cancellation benefit would apply if you or a traveling companion test positive for COVID-19 or you are diagnosed with COVID-19 by your physician.

The Trip Cancellation benefit would also apply if you or your traveling companion are individually-ordered to quarantine as a result of your exposure. Benefits may not cover the full cost of your quarantine and are subject to applicable benefit limits. For information on what qualifies as an “individually-ordered quarantine,” see the FAQ above on what is meant by individually-ordered quarantine .

For more information, please refer to the Epidemic Coverage Endorsement within your plan details.

Please note, this answer is specific to products that include the Epidemic Coverage Endorsement and applicable benefit(s) and covered reason(s) described. To see if your plan includes this endorsement, please look for “Epidemic Coverage Endorsement” on your Declarations of Coverage or Letter of Confirmation.

+ - What happens when a traveling companion or I become ill with an epidemic disease such as COVID-19 or is ordered to quarantine?

If you or a traveling companion become ill due to an epidemic disease (such as COVID-19) or are individually-ordered to quarantine, these are covered reasons that could trigger Trip Cancellation or Trip interruption benefits for the insured . Note, the plan only covers expenses of the insured. Expenses of traveling companions are not covered unless they are also an insured under the plan. Benefits may not cover the full cost of your quarantine and are subject to applicable benefit limits. For information on what qualifies as an “individually-ordered quarantine,” see the FAQ below on what is meant by individually-ordered quarantine .

+ - What is meant by “individually ordered” quarantine?

A quarantine is considered “individually ordered” when these conditions, as specified in the plan, are met:

i. The quarantine is specific to you or a traveling companion, meaning that you or a traveling companion must be specifically and individually designated by name in an order or directive to be placed in quarantine due to an epidemic; and

ii. The quarantine does not apply generally or broadly (a) to some segment or all of a population, geographical area, building, or vessel (including without limitation shelter-in-place, stay-at-home, safer-at-home, or other similar restriction), or (b) based on to, from, or through where the person is traveling. This condition (ii) applies even if the quarantine order or directive specifically designates you or a traveling companion by name to be quarantined.

Example 1 : While you are on a cruise, the crew of your cruise ship is checking temperatures of all passengers and you or your traveling companion demonstrate a temperature outside the accepted range, causing you both to be ordered to quarantine while on board. This would qualify as an individually-ordered quarantine.

Example 2 : While you are on a cruise, the crew of your cruise ship is checking temperatures of all passengers. As a result of a passenger (not part of your traveling party) demonstrating a temperature outside the accepted range, all passengers on the ship are ordered to quarantine while on board. Because this quarantine applies generally or broadly to the population of the entire vessel, this would not qualify as an individually-ordered quarantine.

Example 3 : While you are on a cruise, the crew of your cruise ship is conducting random COVID-19 testing of passengers. A passenger who is not part of your traveling party but with whom you have had close contact tests positive for COVID-19. As a result, you or your traveling companion are ordered to quarantine while on board. Other passengers who are not close contacts of the ill passenger are allowed to continue freely moving about the ship as normal. This would qualify as an individually-ordered quarantine.

Example 4 : You fly to a country that requires all persons entering the country to quarantine for fourteen days prior to being permitted to freely travel in the country. Because this is a general/broad quarantine that applies based on the country to which you are traveling, this would not qualify as an individually-ordered quarantine.

+ - Will the new Epidemic Coverage Endorsement meet government requirements for my trip?

Travel requirements vary by country and continue to rapidly shift and evolve. While we continually monitor and adapt our products and services as best as we can to meet these requirements, and our plans offer robust benefits in an effort to provide products that meet our customers’ needs, we cannot guarantee that a plan will meet the need in all situations.

Though it is the insured’s responsibility to comply with the specific country requirements, we can assist in locating this information. Our interactive map shows current information on travel requirements and entry restrictions for international destinations, including COVID-19 testing, vaccination policies, necessary travel documents and quarantine periods. Check your destination’s entry requirements here. (Content is provided by Sherpa, an affiliated third party).

We also can provide a summary letter of travel insurance plan benefits, which we refer to as Proof of Insurance. If your destination requires proof of travel insurance, we're happy to provide a summary letter that describes your travel insurance plan benefits, also called Proof of Insurance. Click here to request Proof of Insurance (please allow approximately 48 hours for a response).

If it is unclear whether the information provided in the Proof of Insurance satisfies the requirements of the destination country, we recommend that you or your travel advisor contact the nearest embassy or consulate of that country to confirm. To the extent you determine the plan you purchased does not meet your needs, contact us so that we can help you find one that does.

+ - If I’m diagnosed with COVID-19 but I’m asymptomatic, would Trip Cancellation benefits apply?

Even if you or a traveling companion are asymptomatic, proof of a positive COVID-19 test or confirmation of a COVID-19 diagnosis by a doctor would be accepted as verification of illness and may be coverable under Trip Cancellation. For more information, please refer to the Epidemic Coverage Endorsement within your plan details.

+ - Is a positive COVID-19 test administered by someone other than a doctor considered sufficient proof of illness?

To confirm COVID-19 illness, we require a physician's diagnosis or confirmation, or the verified record of a positive molecular (e.g. PCR) or antigen COVID-19 test performed by a third party testing service provider.

+ - Which types of COVID-19 test results can be accepted as proof of illness?

+ - if i believe i’m sick with covid-19 but my test result is negative, how can i show proof of illness.

If you’re sick but test negative for COVID, a doctor must advise you to cancel your trip before you cancel it. If this isn’t possible, a doctor must examine or consult with you within 72 hours after the cancellation to confirm the decision to cancel.

+ - If I’m asymptomatic when I arrive at my destination, and then test positive for COVID-19, would trip interruption benefits apply?

Even if you or a traveling companion are asymptomatic, proof of a positive COVID-19 test would be accepted as verification of illness and may be coverable under Trip Interruption.

+ - What happens if I’m denied boarding based on suspicion of COVID-19 illness, but do not test positive and I end up not being ill?

Even if you never test positive or become ill, if you or a traveling companion is denied boarding due to suspicion of COVID-19 illness, and your plan includes the denied boarding covered reason under Trip Interruption or Travel Delay, you may be eligible for coverage under that benefit. The specific expenses that may be covered depends on the benefit and may vary by plan. Please note, this does not include being denied boarding as a result of your refusal or failure to comply with rules or requirements of entry to your destination. You may file a claim under multiple benefits, but you may not be paid more than once for the same expense.

+ - If I’m denied boarding due to suspicion of being ill with COVID-19, would travel delay benefits apply?

If you or a traveling companion is denied boarding due to suspicion of COVID-19 illness, and your plan includes the denied boarding covered reason under Trip Interruption or Travel Delay, you may be eligible for coverage under that benefit. The specific expenses that may be covered depends on the benefit and may vary by plan. Please note, this does not include being denied boarding as a result of your refusal or failure to comply with rules or requirements of entry to your destination.

Example 1 : The crew of your cruise ship is checking temperatures of all passengers prior to allowing them to reboard following a shore excursion. You or your traveling companion demonstrate a temperature outside the accepted range, causing you both to be denied boarding. This may qualify for coverage under the denied boarding covered reason.

Example 2 : During the process of reboarding a cruise ship after a shore excursion, you are required to fill out a form indicating whether you have attended any gatherings of 50 or more people while off the ship, which the cruise ship has indicated is prohibited for cruise ship passengers. However, you did not follow that rule and attended a party with more than 50 people during the shore excursion. You indicated that on the ship’s form, and as a result, you were not allowed to reboard the ship. This boarding denial would not qualify for coverage under the denied boarding covered reason because you did not follow the travel supplier’s rules and requirements to travel, an express condition of the denied boarding covered reason.

+ - If I contract COVID-19 after starting my trip and must quarantine, would I qualify for both quarantine and interruption benefits?

Being individually ordered to quarantine while on your trip is a covered reason under the Trip Interruption benefit. However, “Quarantine” is not itself a benefit under the plan that provides any separate coverage from Trip Interruption. For information on what qualifies as an “individually-ordered quarantine,” see the FAQ above on what is meant by individually-ordered quarantine .

If you or a traveling companion later become ill with COVID-19 while on your trip, in addition to the Trip Interruption, you may also be eligible for other benefits as well, such as Emergency Medical Care and Emergency Transportation benefits. You may file a claim under multiple benefits, but you may not be paid more than once for the same expense.

+ - Do your insurance plans cover the cost of additional accommodations for an individually-ordered quarantine?

If an insured is individually ordered to quarantine while on their trip, they may be eligible for coverage under the Trip Interruption benefit for expenses incurred for additional accommodations while quarantined. Benefits may not cover the full cost of quarantine and are subject to applicable benefit limits. For information on what qualifies as an “individually-ordered quarantine,” see the FAQ above on what is meant by individually-ordered quarantine .

Additionally, as a temporary accommodation, if you or a traveling companion become ill with COVID-19 while on your trip, you will not be subject to the Trip Interruption benefit’s five-day maximum limit for additional accommodation and transportation expenses (however, the maximum daily limit for such expenses and the maximum Trip Interruption benefit limit still apply).*

This temporary accommodation is strictly applicable to COVID-19 and is only available to customers whose plan includes the Trip Interruption benefit. This accommodation applies to plans currently in effect but may not apply to plans purchased in the future, so please refer to our Coverage Alert for the most up to date information before purchasing.

+ - If I’m diagnosed with COVID-19 and need emergency medical care while traveling, would Emergency Medical Care benefits apply?

If you are diagnosed with an epidemic disease such as COVID-19 or test positive with COVID-19 and require necessary emergency medical care while traveling, then you can be reimbursed for reasonable costs for emergency medical care up to your specific plan’s maximum limit for the Emergency Medical Care benefit. For more information, please refer to the Epidemic Coverage Endorsement within your plan details.

+ - If products including the Epidemic Coverage Endorsement become available in my state before I travel, do I need to buy one of the new products to have any coverage related to COVID-19?

The introduction of the Epidemic Coverage Endorsement does not affect any terms or conditions of existing policies. Accommodations that were applicable to existing policyholders prior to the introduction of the Epidemic Coverage Endorsement products remain applicable to those policyholders, including temporary claims accommodations for customers who become ill with COVID-19. For information on these accommodations, please see our Coverage Alert .

+ - Will your current COVID-19 accommodations be expanded to include the broader coverage that the Epidemic Coverage Endorsement offers?

No, this new coverage is only available under plans containing the Epidemic Coverage Endorsement. For other plans, our existing temporary accommodations continue to apply, including temporary claims accommodations for customers who become ill with COVID-19. For information on these accommodations, please see our Coverage Alert .

These accommodations apply to plans currently in effect but may not apply to plans purchased in the future, so please refer to our Coverage Alert for the most up to date information before purchasing.

* - The accommodations described here are strictly applicable to COVID-19 and are only available for customers whose plan includes the applicable benefit. All other terms, conditions, and exclusions of the plan apply as normal. All plans continue to generally exclude losses for epidemics, including COVID-19, except as expressly covered in that plan’s Epidemic Coverage Endorsement. All benefits are subject to maximum limits of liability, which may in some cases be subject to sublimits, day limits, and daily maximums. Please read your plan for details. The above-described accommodations are an explicit and limited expression of donative intent only, which is for only the limited purposes expressly specified here and for no other further purpose, express or implied. Further, this is expressly not a guarantee of coverage or admission of legal or equitable liability. Nothing contained or described here, nor any payment made pursuant to the position described here, is or should be construed to be a waiver of any term, condition, or exclusion of any plan, or any applicable rights, remedies, or defenses under any plan or at law or equity. We and our applicable underwriters and reinsurers reserve all rights, remedies, and defenses under the plan and under applicable law and at equity. Please note, the above accommodations, refunds, and opportunities to change dates may not apply to any third party travel cancellation fee waiver you purchased from a travel supplier.

For all of the above FAQs : Terms, conditions, and exclusions apply to all plans. Plans are available only to U.S. residents. Not all plans are available in all jurisdictions. Availability of Epidemic Coverage Endorsement, including specific benefits and covered reasons described here, varies by product and by state. Products may not include all benefits or covered reasons described here. Benefits may not cover the full cost of your expense or loss. All benefits are subject to maximum limits of liability, which may in some cases be subject to sublimits and daily maximums. Benefits and limits vary by plan. Be sure to review your plan carefully to understand what coverage is available and what limits apply to your plan. For a complete description of the coverage and benefit limits offered under your specific plan, carefully review your plan’s Letter of Confirmation/Declaration of Coverage and Certificate of Insurance/Policy. Insurance benefits underwritten by BCS Insurance Company, or Jefferson Insurance Company, depending on your state of residence and plan chosen. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel, Event Ticket, and Registration insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between Allianz Global Assistance and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through Allianz Global Assistance. Any non-insurance travel cancellation fee waiver purchased is provided by the travel supplier from whom you purchased that travel cancellation fee waiver. Except as expressly provided under your plan, you are responsible for charges you incur from third parties.

Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at 800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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New COVID-19 testing requirements for passengers traveling to the U.S.

Beginning January 26, the U.S. government will require all passengers, including U.S. citizens, two years of age and older traveling to the United States from any international location to test negative for COVID-19 within three calendar days of departure.

At American Airlines, we’re committed to protecting the health and safety of our customers, and this testing requirement will provide yet another layer of protection in the travel journey. We support the implementation of a global program to require COVID-19 testing for travelers to the United States.

We’re working closely with U.S. authorities as they implement this new order and, at the same time, taking care of any affected customers by assisting them with rebooking options. Our team is proactively reaching out to customers who may be affected by this order to ensure they know what to expect.

We’ll continue to work closely with U.S. and international authorities, as well as industry associations, to ensure our customers have options to be in compliance with new testing requirements. We’ll be in touch again soon as information becomes available to ensure our customers can continue to enjoy their travel plans.

More details, including frequently asked questions, can be found on our Newsroom .

Flexibility for you and your travelers

To provide our customers with additional flexibility, American has implemented a Travel Notice for customers who are currently ticketed to travel January 12 – February 9, 2021 which allows the customer to change their date of travel through January 25, 2021, waiving the change fee and add/collect for travel in the same cabin. Customers who are unable to travel on or before January 25, 2021 can still take advantage of our other policies that waive change fees:

Global Flexibility Waiver applies to tickets issued on/before September 30, 2020

Flexible Fares apply to tickets issued on/after October 1, 2020 and may follow applicable fare rules

Travel requirements tool

Customers traveling both domestically and internationally can easily stay up to date on the latest travel requirements through our travel tool , powered by Sherpa.

The tool makes travel planning easier by providing a destination-specific overview of local guidelines including face covering, health documentation and quarantine requirements. To use the tool, travelers simply enter their origin and destination for an automatic overview of travel requirements.

We value your partnership and look forward to welcoming you on board soon.

When does this order go into effect?

January 26, 2021.

What does the order require?

According to the order, all customers traveling to the United States from an international location are required to test negative for COVID-19 within three calendar days of their departure, and present evidence of the negative test result to American Airlines prior to departure.

What can customers expect when flying American?

Test results: Customers will be asked to show evidence of a negative COVID-19 test taken within three calendar days of their departure. The test results may be in digital or paper form and should be shown to an American Airlines agent prior to departure.
CDC attestation form: An American Airlines agent will collect the Centers for Disease Control and Prevention’s (CDC) attestation form. Customers can print the form from the CDC’s website or complete one prior to departure.

What happens if a customer hasn’t taken a COVID-19 test within three calendar days of departure or does not have test results?

Customers who have not completed a test and/or do not have test results to present will not be allowed to board their flight bound for the United States.

What types of tests are approved?

A viral detection test for current infection (i.e., a nucleic acid amplification test or a viral antigen test). Learn more about viral detection tests on the CDC’s website .

Are there specific approved testing vendors?

Is the three-day requirement from the initial start of the travel itinerary?

According to the order:

If a customer is arriving on a direct flight to U.S. , the negative test must occur within three calendar days preceding the flight’s departure.

If a customer is arriving via one or more connecting flights , the negative test must occur within three calendar days preceding the departure of the initial flight, but only if:

The connecting flights were booked as a single passenger record with a destination in the U.S.

Each connection is no longer than 24 hours, and

The airline instructs the customer to comply and uses reasonable efforts to facilitate compliance.

What if travel begins in the U.S. and returns to the U.S. from an international location within three business days?

The order doesn’t address this scenario, but American is looking into it.

Does this order apply to customers who have received the COVID-19 vaccine?

Yes . Customers who have had the COVID-19 vaccine will still be required to provide to the negative COVID-19 test result or the completed CDC attestation form.

Does this order apply to customers who have recently recovered from COVID-19?

According to the order, customers who have had lab-confirmed COVID-19 within the past three months can travel to the U.S. if they present the approved positive test result and a letter from a licensed healthcare provider or public health official stating the customer has been cleared for travel. For more details on what’s required, we encourage customers to review the CDC’s order .

Is American providing tests for customers?

No. Customers will be responsible for securing approved COVID-19 tests in accordance with the order.

Can customers change their travel plans to ensure compliance with the order?

Yes. The vast majority of travel booked on American, including short- and long-haul international flights, does not have change fees. You can learn more about American’s elimination of change fees by visiting aa.com. Additionally, American is waiving the fare difference for customers with travel scheduled Jan. 12 through Feb. 9. These customers may rebook in the same cabin of service with no charge for the same origin and destination. New travel must start on or before Jan. 25.

Customers who need to change their travel plans should visit aa.com or call our Reservations team or your travel agent.

Why does this specific travel policy only cover new travel dates through January 25? Why that date?

The new travel policy is to provide flexibility for customers who purchased travel prior to the announcement of this new requirement to offer the ability to change their travel dates, before the policy comes into effect on January 26.

Customers can also use the Flexible Fares without change fees or th e Global Flexibility Waiver to adjust their travel plans if needed.

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Backpacker Travel Insurance

Planning a gap year or just time to get away?

AA Backpacker Travel Insurance

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Whether you are planning a gap year or just some time away from it all, AA Backpacker Insurance provides cover you can count on.

Our backpacker insurance is specifically tailored to cover trips up to 365 days in length and includes cover for emergency medical expenses up to €5,000,000 with 24 hour medical emergency assistance.

Medical Expenses cover

Emergency medical and repatriation cover up to €5,000,000

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Cover up to €3,500 for any lost travel and accommodation costs if cancelling your trip is unavoidable

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Lost/delayed/stolen luggage cover – up to €2,000

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Our cover for COVID-19 gives you the piece of mind you need for a stress free return to travelling.

We’ve got you covered

Cancellation cover if you, a close relative or travelling companion receive a positive diagnosis for COVID-19
Cancellation cover if you, or any person insured by the policy, are required to self-isolate on your scheduled departure date
Curtailment cover if The Department of Foreign Affairs (or any other equivalent government body in another country) advises you to return home due to COVID-19
Related Medical Expenses if you contract COVID-19 while abroad
Additional accommodation if you contract COVID-19 while you are abroad and are unable to return home as planned

*Please note that cancellation claims relating to government restrictions for COVID-19 are excluded and we will not cover any claim where your travel to a country or specific area or event to which the Travel Advice Section of the Department of Foreign affairs or the World Health Organisation has advised the public not to travel to.

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AXA Assistance USA Travel Insurance Review 2024

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The offers and details on this page may have updated or changed since the time of publication. See our article on Business Insider for current information.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Travel insurance is important because it can help cover the cost of unexpected medical expenses while you're traveling. It can also reimburse you for lost or stolen baggage, canceled flights, and other unforeseeable problems that may occur while you're away from home.

Simply put, there's a lot to consider.

But not all policies are created equal, and you must understand what you're covered for before you purchase a policy. This article will look in-depth at AXA Assistance USA travel insurance. We'll discuss the costs, coverage limits, exclusions, and more to help you make an informed decision about whether or not this particular travel insurance provider is right for you.

Introduction to AXA Travel Insurance

AXA Assistance USA is among the best travel insurance companies . It covers the fundamentals of travel insurance, with coverage for trip cancellations, medical expenses, and emergency medical/non-medical evacuation. With three plans, AXA also offers coverage for travelers with various budgets.

It's worth noting that many important add-ons aren't available for AXA's cheapest Silver plan, such as pre-existing condition coverage, rental car add-ons, and Schengen travel insurance. Cancel for any reason coverage is also only available for AXA's most expensive Platinum plan.

Coverage Options Offered by AXA

AXA Assistance USA offers three levels of coverage: Silver, Gold, and Platinum. Each plan comes with different protections and varying coverage limits, with the Silver being the most basic option and Platinum offering the most premium coverage.

Some policies might even include added coverage free of charge, such as a waiver for pre-existing conditions , which is free for Gold and Platinum plans as long as you purchase your plan within 14 days of your trip deposit.

Specialized Coverage Options

The plan you purchase will determine which add-ons are available. For example, those with a Platinum plan can add CFAR (cancel for any reason) coverage , allowing you to receive a full refund if you cancel your trip within 14 days of making the initial deposit.

Or, if you want extra protection for your rental car, depending on your AXA plan, you might be able to add a collision damage waiver (CDW). Policyholders with Gold plans can add $35,000 CDW, and those with Platinum plans can include $50,000 CDW.

If you're traveling within the Schengen Territory, which is made up of 27 European countries, you may eligible for Schengen Travel Insurance, which covers you in all 27 countries. This option is only available for Gold and Platinum travelers and coverage lasts up to 90 days.

AXA Assistance USA Travel Insurance Cost

The premium you pay will depend on various factors, including the age of the travelers, destination, and total trip costs. The average cost of travel insurance is 4% to 8% of your travel costs.

After inputting some personal information, such as your age and state of residence, along with your trip details, like travel dates, destination, and trip costs, you'll get an instant quote for the plans available for your trip. And from there, it's easy to compare each option based on your coverage needs and budget.

Now let's look at a few examples to estimate AXA's coverage costs.

As of 2024, a 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following AXA travel insurance quotes:

AXA Silver: $83
AXA Gold: $107
AXA Platinum: $127

Premiums for AXA plans are between 2.7% and 4.2% of the trip's cost, well below the average cost of travel insurance. It's also relatively cheap compared to many of its competitors

AXA provides the following quotes for a 30-year-old traveler from California heading to Japan for two weeks on a $4,000 trip:

AXA Silver: $109
AXA Gold: $128
AXA Platinum: $153

Once again, premiums forAXA plans are between 3.6% and 3.8%, below the average cost for travel insurance.

A 65-year-old couple looking to escape New York for Mexico for two weeks with a trip cost of $6,000 would have the following AXA quotes:

AXA Silver: $392
AXA Gold: $462
AXA Platinum: $550

Premiums for AXA plans are between 6.5% and 9.2%, which is roughly in line with the average cost for travel insurance. This is to be expected, as travel insurance is often more expensive for older travelers.

How to Purchase and Manage Your AXA Policy

The process of purchasing an AXA policy is simple. After obtaining your quote, you'll need to decide which of AXA's three plans you want to buy. When you pay for your plan, be prepared to provide additional personal information, like your birthday, phone number, and address.

Once you finalize your purchase, you'll have a 10-day free look period, in which you can cancel your policy and get your money back.

How to File a Claim with AXA Travel Insurance

To file a claim with AXA Assistance USA, head to the claims forms online to find the appropriate form. Once you've filled out your form and gathered the required documentation, you can email them to [email protected] or send them by mail to:

AXA Assistance USA

On Behalf of Nationwide Mutual Insurance Company and Affiliated Companies

P.O. Box 26222

Tampa, FL 33623

If you need assistance when filing claims, AXA's claims office can be reached at 1-888-957-5015 (within the U.S.) and 1-727-450-8794 (outside the U.S.). Office hours are 9:30 a.m.-5 p.m. ET on Thursdays and 8:30 a.m.-5 p.m. ET on all other weekdays.

Note: According to the AXA, your claim will be processed within 30 days.

AXA Customer Service Reviews

AXA's U.S. branch has few reviews on Trustpilot and the Better Business Bureau — just over 20 between the two sites. Its UK branch has over 1,100 reviews, most of which are overwhelmingly negative. However, the quality of AXA Travel Insurance UK isn't necessarily indicative of its U.S. coverage.

In fact, on SquareMouth, where the majority of AXA U.S.'s reviews, reviews are generally positive. It received an average of 4.22 stars out of five across over 900 reviews. Customers reported that adjusting an AXA policy was easy and the customer service team was responsive. However, reviews on the claims process was more mixed, with spotty communication and long wait times.

Compare AXA Travel Insurance

See how AXA travel insurance compares to top travel insurance providers.

AXA Assistance USA vs. AIG Travel Guard

When comparing AXA to Travel Guard , we'll look at the coverage levels from their mid-tier plans, the Silver plan and Travel Guard Preferred plan, respectively.

With Travel Guard Preferred plan, you'll get:

Trip cancellation coverage up to $150,000
Trip interruption coverage up to $225,000
Emergency medical coverage of $50,000
Coverage for baggage loss, theft, or damage up to $1,000
Travel delay coverage of up to $800

Comparing those Travel Guard coverages with AXA's Silver plan, you'll see that AXA's coverage limits are a bit higher. With AXA's Silver plan you'll get $100,000 in emergency medical coverage, for example. And the baggage loss coverage limit is up to $1,500.

If you're looking for greater coverage limits, AXA makes the most sense in this scenario. But premiums will also vary based on factors like the traveler's age, trip destination, and trip cost. So you'll have to run your own numbers to make a final decision.

Read our AIG Travel Insurance review here.

AXA Assistance USA vs. Allianz Travel Insurance

Allianz Travel Insurance provides single-trip and multi-trip insurance for travelers who want to go abroad for an extended period of time. And, like with all insurance, the various plans have varying degrees of coverage.

Allianz Travel Insurance's most popular single-trip option is the OneTrip Prime plan, which offers:

Trip cancellation coverage up to $100,000
Trip interruption coverage up to $150,000
Emergency medical coverage for $50,000
Coverage for baggage loss, theft or damage up to $1,000
Travel delay coverage up to $800

Looking at AXA's mid-tier Silver plan, you'll see that, again, AXA offers more coverage for emergency medical and baggage loss, theft, or damage than Allianz Travel Insurance. That said, if cost is an essential factor for you, you'll have to get quotes using your personal trip information to make an informed decision.

Read our Allianz Travel Insurance review here.

AXA Assistance USA vs. Credit Card Travel Insurance

Already have a great travel credit card, like the Chase Sapphire Reserve or American Express Platinum? Some of the standard coverages, such as rental car insurance, may be included in the card you already have. It's a good idea to research the terms of your credit card's travel protection before purchasing a separate travel insurance policy.

If you're driving to your destination and don't have any non-refundable trip expenses, the coverage from your credit card may be enough. Another time it might work is if you have health insurance covering you while abroad and you're in good health without worrying about possible medical costs.

It's essential to remember that credit card coverage is usually secondary. This means you'll have to file a claim with the other applicable insurance before filing a claim with your credit card company.

Read our guide on the best credit cards with travel insurance here.

Why You Should Trust Us: How We Reviewed AXA Assistance USA

We researched AXA by evaluating its travel insurance plans compared to other plans from the top travel insurance companies. The aspects we looked at included, but were not limited to, different coverage options, claims limits, what is covered, available add-ons, and extra services for policy holders.

What's important when choosing a policy isn't just the price — it's making sure you're getting adequate coverage that meets your needs without breaking the bank. Filing a claim should also be easy and stress-free if you ever have to use your policy.

Read more about how Business Insider rates insurance products here.

AXA Assistance USA FAQs

Does axa travel insurance cover covid-19 related issues.

If you're diagnosed with COVID-19 before a trip and need to cancel, AXA may cover your expenses. Additionally, a COVID-19 diagnosis during a trip may be covered under AXA's medical expense, trip interruption, and trip delay benefits. Be sure to review your policy to ensure coverage details.

Can I extend my AXA policy if my trip lasts longer than expected?

While you may extend your coverage in certain circumstances, such as extended hospitalization, and update your travel dates prior to your departure, you can't extend AXA travel insurance plans while you're traveling.

Are pre-existing medical conditions covered by AXA travel insurance?

AXA's Gold and Platinum plan cover pre-existing medical conditions as long as you purchase your policy within 14 days of your initial trip deposit. AXA's Silver plan does not cover pre-existing conditions and has a 60-day look-back period.

What is the process for filing a claim with AXA?

You can download AXA claims forms on its website and email them to [email protected].

How does AXA travel insurance compare to other insurance providers?

AXA isn't the most flexible travel insurance company and isn't great at specializing, but it offers comprehensive general coverage. Its prices aren't significantly more expensive or cheaper than its competitors.

If you enjoyed this story, be sure to follow Business Insider on Microsoft Start.

AXA Assistance USA Travel Insurance Review 2024

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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.
American Airlines Is First US Airline to Introduce Health Passport for
FORT WORTH, Texas — American Airlines is the first U.S. airline to introduce an easy way to provide results from a negative coronavirus (COVID-19) test and other completed documents required for international travel into the United States. The VeriFLY app, a mobile health passport that helps customers understand and verify their travel requirements, will be available for travelers starting ...
AA Travel Insurance
With AA Travel Insurance, your trip can be protected from unforeseen cancellation and loss of deposits before you even depart. So if something happens in the lead-up to your trip, we can be there to help you. To understand what cover AA Travel Insurance provides for epidemic and pandemic diseases, like COVID-19, check out our FAQs. Get a quote
Pandemic Prompts More Americans to Consider Travel Insurance
9/21/2021. ORLANDO, Fla. (September 21, 2021)—The COVID-19 pandemic has had a profound impact on Americans' travel plans. How they plan—and protect—those trips has also changed. According to a recent AAA Travel survey, more than half (55%) of American adults are planning a vacation of at least one overnight stay before the end of next ...
Travel Insurance and COVID-19: The Epidemic Coverage Endorsement
If your destination requires proof of travel insurance with COVID-19-related benefits, please call us at 1-866-884-3556. We can provide a summary letter of plan benefits. Please note, customers are responsible for being aware of the requirements for travel to, from, and within their destination(s), including any minimum insurance coverage ...
Travel Insurance & COVID-19
To help you holiday safely over the coming weeks, the AA Travel Insurance team have put together some essential advice for Annual and Single-Trip travel insurance customers below. Coronavirus (COVID-19) has been declared a global pandemic, what does this mean for my travel insurance? Customers who purchase Travel Insurance after 16/03/2020. Any ...
COVID-19 FAQs
COVID-19 FAQ's. UPDATED APRIL 6, 2022. The information in this FAQ is current as of the time of publication but is subject to change. Please see our Coverage Alert for the latest coverage information. The information in this FAQ is intended to provide general information only and is not a coverage determination in any respect on any claim.
Best Travel Insurance for Staycations & Vacations
0818 227 228. RelAAx, Yellow & Black have got your back. Explore Cheap Travel Insurance offering that includes coverage for staycations and vacations, with COVID-19 cover, 24/7 GP access, and affordable holiday insurance starting at just €14.99.
American Airlines Travel Agency Reference
Beginning January 26, the U.S. government will require all passengers, including U.S. citizens, two years of age and older traveling to the United States from any international location to test negative for COVID-19 within three calendar days of departure.. At American Airlines, we're committed to protecting the health and safety of our customers, and this testing requirement will provide ...
PDF Know Before You Go Travel Tips
COVID-19 onboard during the cruise, as to not interrupt the cruise for all other passengers. With COVID-19 situations varying around the world, some port substitutions or cancellations may occur due to decisions by local authorities. Touring Work closely with your AAA Travel Agent in the week and/or days before your departure for the
Travel insurance
Lines are open Monday to Friday 9am to 5pm. Email [email protected]. Emergency Medical Assistance. +44 (0)147 335 6274. Lines are open 24/7 all year. Travel insurance enquiries. Policies purchased from 3 April 2023. Lines are open Monday to Friday 8:30am to 8pm, Saturday 9am to 5pm, Sunday 10am to 4pm.
Backpacker Travel Insurance with Covid-19 Cover
Whether you are planning a gap year or just some time away from it all, AA Backpacker Insurance provides cover you can count on. Our backpacker insurance is specifically tailored to cover trips up to 365 days in length and includes cover for emergency medical expenses up to €5,000,000 with 24 hour medical emergency assistance. COVID-19.
Coronavirus (COVID-19) and our breakdown service
If you've been diagnosed with or come into contact with coronavirus, you'll need to call us on 03330 046 046. We'll do our best to help you as soon as possible. For vehicle inspections, following government guidance we won't be able to offer inspections for at least the next 3 weeks. We'll provide more details as soon as they are available.
AXA Assistance USA Travel Insurance Review 2024
Does AXA Travel Insurance cover COVID-19 related issues? If you're diagnosed with COVID-19 before a trip and need to cancel, AXA may cover your expenses. Additionally, a COVID-19 diagnosis during ...

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General COVID-19

+ - Am I covered if I want to cancel my travel plans because I’m afraid to travel due to COVID-19?

+ - Am I covered if I cancel or interrupt my trip due to COVID-19?

+ - What if my travel supplier (e.g. airline, cruise line, tour operator, etc.) cancels a portion or all of my trip due to COVID-19?

+ - Am I covered if I cancel my travel plans because of a travel ban or other government-imposed restriction on travel related to COVID-19?