does td travel insurance cover covid 19

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Is There Travel Insurance That Covers COVID Quarantine?

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We get it — traveling these days can be an uncomfortable experience. In the ever-changing world of COVID-19 variants, border restrictions and PCR tests, learning how to stay protected is important.

Travel insurance can insure you against a variety of complications during travel, including trip delay, trip cancellation and medical issues. But not all policies are the same, and coverage can vary not only across providers, but across policies themselves.

Let’s take a look at travel insurance that covers COVID-19 quarantine, plus the best COVID-19 travel insurance.

What does travel insurance usually cover?

Travel insurance can provide peace of mind on vacation, especially when things go awry. There are varying types and levels of coverage for travel insurance, though these are common inclusions for travel insurance policies:

Trip cancellation insurance.

Trip interruption insurance.

Trip delay insurance.

24-hour hotline assistance.

Emergency medical insurance.

Primary/secondary medical insurance.

Lost or delayed baggage insurance.

Rental car insurance.

There's a lot of variety when it comes to travel insurance and the types of incidents it’ll cover. The cost of your premium will vary according to the plan you select.

Cancel for Any Reason insurance allows you to cancel your trip and recoup your costs, no matter why you’ve chosen to cancel.

Before buying travel insurance, check to see if any of your credit cards offer trip insurance . Some travel credit cards offer this insurance free of charge when you use your card to pay.

The Chase Sapphire Preferred® Card , for example, provides primary rental car insurance when you charge the car to your card.

The Platinum Card® from American Express , meanwhile, will cover trip cancellation, trip delay and lost luggage insurance. Terms apply.

There are no credit cards whose benefits include medical insurance. You’ll want to read the terms carefully to be sure that any travel insurance you purchase covers instances of COVID-19.

» Learn more: Will my travel insurance cover coronavirus?

Finding insurance that covers COVID quarantine

In the beginning of the pandemic, many insurance policies covered losses related to COVID-19, including trip cancellation and medical issues.

Since then, some providers have chosen to exclude coverage for coronavirus-related issues. So you’ll need to search specifically for an insurance policy that covers COVID-19.

Fortunately, there are still insurance providers that’ll provide coverage in the event you’re affected by COVID-19, including:

Trip cancellation.

Trip delay.

Medical care/hospitalization.

Quarantine.

Several countries — like Thailand — actually require that you purchase this insurance before traveling.

If you already have an insurance provider in mind, take a look at their coverage options — and any available add-ons — to see if COVID-19 quarantines are covered.

» Learn more: The best travel insurance companies

If you aren’t already committed to an insurance company, sites such as SquareMouth, a NerdWallet partner, will allow you to search for and compare policy coverage from multiple companies at once.

You’ll be asked to provide a variety of information, such as your destination, dates of travel, age, and whether you’d like to be reimbursed for cancellations.

SquareMouth’s search also includes the ability to filter search results so you’ll only see policies with COVID-19 protections.

Once you’ve found a provider whose policy includes COVID-19 coverage, you’ll want to make certain that quarantine will also be reimbursed. Reading the policy in full will tell you; it can look something like this:

» Learn more: What to know before buying travel insurance

How much will COVID quarantine travel insurance cost?

The price of travel insurance is going to depend on many factors, including the length of your trip, your age, your destination and your coverage limits.

As you’d expect, the more comprehensive your coverage and the higher your limits, the more expensive your policy will be. The same is true if you’re heading out of the country for an extended period of time.

When comparing insurance policies, you’ll want to think about coverage limits as well as whether the insurance will provide primary or secondary coverage. Compare these factors against other policies to see which policy is the right fit for you.

Here’s a comparison between two different policies. Although neither of these requires a deductible, one of these is secondary (it pays out after other insurance) and caps out at $15,000 per person in emergency medical expenses.

The other is primary (it pays out before other insurance policies) and covers up to $100,000 per person in emergency medical expenses:

While $15,000 may seem like a lot of money, remember that this total includes all doctor visits, tests and medications — in addition to the cost of your quarantine stay.

If you’re staying somewhere expensive, those costs can quickly add up.

Although some communities, such as New York City, may provide cost-free isolation accommodation, others will leave you to fend for yourself.

Even if staying in a moderately priced hotel, five to 10 days (or more) of isolation can quickly run into the thousands of dollars. You’ll want to be sure your insurance policy can cover this.

» Learn more: Does travel insurance cover COVID-19?

Final thoughts on travel insurance that covers COVID quarantine

Although the world is still trying to grapple with the COVID-19 pandemic, you may be looking to get out and travel again. Being protected in the event something happens can give you peace of mind when away from home.

This is especially true when it comes to mandatory COVID-19 quarantine, when costs can easily pile up. Acquiring travel insurance with COVID-19 quarantine protection can save you — and your wallet — in case of an emergency.

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

on Chase's website

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

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

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

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

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.

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

The 5 Best COVID-19 Travel Insurance Options

Travelex Insurance Services »

Allianz Travel Insurance »

World Nomads Travel Insurance »

Generali Global Assistance »

IMG Travel Insurance »

Why Trust Us

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

Table of Contents

• Rating Details
• Travelex Insurance Services
• Allianz Travel Insurance

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

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

Best COVID Travel Insurance Options in Detail

Plans include coverage for COVID-19

Optional CFAR coverage is available with Travel Select plan

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

Not all add-ons are available with every plan

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

Single-trip, multitrip and annual plans available

COVID-19 benefits don't apply to every plan

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

24-hour travel assistance services included

More than 200 sports and activities covered in every plan

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

No CFAR option is offered

Free 10-day trial period

Some coverage limits may be insufficient

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

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

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

Not all plans from IMG offer coverage for COVID-19

Cancel for any reason coverage not available with every plan

Frequently Asked Questions

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

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

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

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

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

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

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

Why Trust U.S. News Travel

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

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How do you choose travel insurance that covers COVID-19?

Oct 26, 2021 • 5 min read

COVID-19 has made it more important to check the health coverage on your travel insurance © Maskot/Getty Images

After 18 months of pandemic-related travel restrictions, you may be itching to act on your pent-up wanderlust⁠⁠—but the situation and the rules are still continuously evolving. So before you go anywhere, it’s best to have a travel insurance plan that protects the investment you’ve made in a long-awaited trip.

A robust travel insurance plan will reimburse pre-paid trip costs and non-refundable deposits if you have to cancel or interrupt your trip, encounter trip delays, experience baggage loss or require medical expense and medical evacuation. Your policy will also reimburse “covered reasons” in your plan, such as death, illness or injury, serious family emergencies, unplanned jury duty, military deployment, acts of terrorism, or your travel supplier going out of business.

But COVID-19 has added an additional checklist to your usual insurance needs⁠—it’s now important to check to ensure your travel insurance plan includes coverage for COVID-19 medical expenses, and losses related to illness. Your policy should also cover quarantine costs if you need to self-isolate after testing positive for the virus.

What do I look for in COVID-19 insurance coverage?

When you’re shopping for a travel insurance plan that covers COVID-19, you need to do your research and read the fine print of your plan. 

Look for a travel insurance product that will protect your non-refundable, prepaid expenses if you have to cancel your trip due to illness caused by COVID-19. Your policy should also cover emergency medical treatment and emergency medical transportation. With regard to COVID-19 coverage, be sure your policy covers medical care, medicine, hospitalization and quarantine expenses.

“The type of coverage you should look for depends on you, your needs, travel dates, and the type of trip you’re taking,” says Sasha Gainullin, CEO of battleface , a travel insurance carrier. He says some travel insurance companies have now excluded COVID-19 coverage because it has been labeled a “known/foreseeable event”, while others may exclude pandemics altogether.

“It’s important to search for plans that include medical and quarantine expenses as well⁠—this will be critical in the event you become ill and need to receive treatment while traveling,” continues Gainullin. 

One additional tip is to confirm there are no exclusions based on the destinations you’re traveling to⁠—this can happen with countries under government-issued travel warnings, Gainullin says.

“If a traveler feels uncertain, I recommend speaking with the travel insurance company directly. They can review the policy details with you, answer all of your questions, and confirm all of your required coverage options are included,” he adds.

Is getting coverage dependent on vaccination?

While it’s a good idea to be fully vaccinated before traveling, vaccination is not required to purchase a travel insurance policy, says Daniel Durazo, spokesperson with Allianz Partners USA.

What are the medical costs that are covered by travel insurance?

Travel insurance can cover the cost of both medical treatment and emergency medical transportation. A US health insurance plan, as well as Medicare, generally will not cover overseas medical expenses, so it’s best to check with your personal health insurance provider if any global coverage is available. 

“While losing the cost of a trip due to an unexpected cancellation would be painful, paying for expensive emergency medical treatment or emergency medical transportation can be financially devastating,” Durazo says.  

Under a travel insurance plan, medical costs could range doctor visits, pharmacy expenses, imaging costs and covering a hospital stay if required. Other expenses that can be covered are transportation to medical care and medicine.

Read more:  Will my health insurance cover getting COVID-19 while traveling in the US⁠⁠—or abroad?

What about covering an unexpected quarantine due to COVID-19?

Many international destinations are now requiring that visitors purchase travel insurance coverage for an unexpected quarantine. Allianz Travel Insurance has added coverage to many of its products that includes reimbursement for quarantine-related accommodations if you or a traveling companion is individually-ordered to quarantine while on their trip, says Durazo. 

This coverage typically covers the cost of additional food, lodging and transportation while quarantined. In addition, trip interruption and travel delay benefits on certain Allianz plans also provide coverage if you or your travel companion is denied boarding by your travel carrier due to suspicion of illness.

The benefits for quarantine coverage vary from carrier to carrier. For example, on select Trawick International plans, they offer $2,000 in quarantine benefits and for an additional charge, and you can increase it up to $7,000. 

What about pre-flight COVID-19 testing?

Your plan may provide coverage for flights if you are turned away at a border for not passing a health inspection. Foster says Trawick’s travel insurance plans that cover COVID-19 would cover the expenses if you could not pass your pre-health inspection.  Also, the plan would cover the costs of the failure of your PCR test to return to the United States, such as having to quarantine abroad. 

It’s important to note that the actual cost of the PCR test is not covered by your policy, just the loss associated with the negative test.

Read more:  PCR tests for travel: everything you need to know

Some destinations require COVID-specific insurance coverage⁠—how do I comply with those restrictions? 

Before any international travel, you should check the country where you are headed to make sure you comply with insurance coverage requirements. Countries like Spain, Turks and Caicos and Thailand are among the nations that mandate COVID-19 insurance coverage.

“You first must check the countries’ specific COVID regulations for entry into the country. Some countries require travelers to provide proof of travel insurance that covers COVID-19 related expenses purchased from a third party,” explains Foster. Providing proof coverage is key; so travelers need to ensure they receive documentation from their insurance provider that their policy covers COVID-19 related expenses to show customs officials, she says.

Should you arrive in a country that requires proof of insurance to cover COVID-19 medical expenses and quarantine costs, and you don’t hold a policy, you will not be granted entry.

For more information on COVID-19 and travel, check out Lonely Planet's Health Hub .

You may also like:  What happens if I'm denied entry to a country on arrival? What is a vaccine passport and do I need one to travel? What is the IATA Travel Pass and do I need it to travel?

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Does travel insurance cover pandemics?

More than a quarter of the population of the U.S. has received at least one COVID-19 vaccination as of this week, and all those shots in arms seem to be directly correlating to a surge in travel.

In fact, the number of passengers in U.S. airports reached their highest numbers in more than a year last week according to the Transportation Security Administration ( TSA ). Whether you're vaccinated or not, concerns about new strains of the coronavirus are high, so it's not surprising to hear that inquiries about travel insurance have also hit their highest level since the pandemic began, according to InsureMyTrip .

However, "there is a big misconception about what travel insurance does — and doesn't — cover," said Meghan Walch, pandemic travel insurance expert for InsureMyTrip . In the company's latest poll of travel insurance agents, the vast majority of questions (a whopping 97%) from would-be travelers are regarding how travel insurance may or may not cover COVID-19 related travel concerns.

So, does your travel insurance cover a pandemic? Here's everything you need to know.

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Why travel insurance usually doesn't cover epidemics and pandemics

In general terms, regular travel insurance policies cover the "unknowns" — for example, an accident you couldn't have anticipated in advance, such as falling while you were hiking and breaking your leg — and not losses caused directly or indirectly by known or foreseeable events (in this case, an epidemic complete with government travel advisories).

Similar to a weather event , once something becomes "known" it may not be a covered reason for cancellation if a traveler purchases insurance after that date.

In other words, if you purchased travel after the World Health Organization (WHO) declared COVID-19 a pandemic, you've entered "known" territory, the same as deciding to fly into the eye of a hurricane.

Related: Avoiding outbreaks isn't covered by most travel insurance

What travel insurance normally covers

"Essentially, travel insurance covers unexpected events during your travels and pre-departure starting the effective date of your policy," said Christina Tunnah, general manager of the Americas of travel insurance company World Nomads.

According to Tunnah, regular travel insurance breaks down into three main categories:

• The protection of your pocketbook (investment in flights, delays, interruption, cancellation)
• The protection of yourself (emergency medical and evacuation)
• The protection of your belongings ( delayed and lost bags , theft)

Many credit cards also offer travel protection. Covered situations, maximum coverage amounts and eligible expenses vary across the cards that offer this benefit. Covered situations typically include accidental bodily injury; loss of life or sickness; severe weather; terrorist action or hijacking and jury duty or a court subpoena that can't be postponed or waived.

Related: The best credit cards with complimentary travel protection

Are some insurers covering COVID-19?

Not all the news on the COVID-19 insurance front is negative. According to Walch, many traditional travel insurance policies will cover your COVID-19 related travel concerns if you meet regular guidelines.

Examples of COVID-19 coverage in traditional plans include:

• If you must visit a doctor or hospital during a trip due to a COVID-19 illness
• If you get sick with COVID-19 and must cancel a trip
• If a physician orders you to quarantine before a trip
• If you lost a job during the coronavirus pandemic by no fault of your own

In addition, some plans are now offering higher travel delay limits in order to help with additional accommodation expenses due to a covered quarantine, adds Walch.

And, there are also some individual insurers that are simply covering COVID-19 outright. For example, World Nomads' plans cover the diagnosis of COVID-19 the same as any other illness with benefits that could include emergency medical care, emergency medical evacuation, trip delay and trip interruption coverage if you contract COVID-19 while traveling.

How to find a plan that covers COVID-19

First of all, you should look in the exclusion section to see if pandemics or epidemics are mentioned. If so, you'll need to shop around for a different policy, said Tunnah.

Even though travel insurance companies may offer COVID-19 sickness coverage, they typically don't offer benefits for every circumstance.

"Every policy is different, so you'll want to get a good grasp of a plan's coverage before you purchase it," Tunnah explained. Some of the questions you should ask yourself are: Does the plan cover emergency medical and evacuation expenses if I contract COVID-19? What are covered reasons for cancellation? What if my trip is delayed or interrupted because of a COVID-19 event?

If you're getting confused from reading the legal jargon of a policy, you can contact the customer service department of your travel insurance company, Tunnah advised. Representatives should be able to provide plain English explanations of coverage and help you identify a plan that meets your specific trip needs.

To see multiple options in one place, InsureMyTrip has a COVID-19 coverage tool that allows you to compare different policies.

Here's what you should be looking for according to the company:

• Trip cancellation coverage: While traditional trip cancellation does not allow a traveler to cancel a trip due to COVID-19 fears, it may cover a traveler in the event they get sick from COVID-19 and must cancel a trip.
• Trip interruption coverage: In the event a traveler gets sick from COVID-19 and the trip is interrupted, this coverage may apply.
• Cancel for any reason coverage : If eligible, this protection allows travelers the option to cancel a trip due to concerns over COVID-19, whereas traditional trip cancellation coverage does not (see below for more details).

Cancel for any reason insurance could be your best option

Cancel for any reason, also known as CFAR in the insurance industry, is an add-on to certain traditional trip insurance policies.

While travel insurance policies can offer a range of inclusions (think: medical evacuation, trip cancellation due to foreign or domestic terrorism or rental car damage) not every eventuality is included in all insurance policies. For example, some trip insurance plans cover employment layoffs while others do not. Some policies may have robust emergency medical coverage while competitors don't. That's why it's so important for you to select a plan that meets your specific needs for each trip.

One commonality among insurance policies? A long lists of exclusions. That's where a CFAR policy comes into play.

" InsureMyTrip strongly recommends travelers strongly consider a CFAR upgrade," said Walch. This upgrade offers the most trip cancellation flexibility and is the only option available to cover "fear of travel" (traditional travel insurance does not offer cancellation coverage for "fear of travel," whether related to COVID-19 or not).

If eligibility requirements are met, reimbursement is typically up to 70% of the pre-paid, nonrefundable trip cost. "Just be aware that this add-on will increase the cost of the plan," Walch advised.

Some countries are requiring mandatory insurance for entry

Even in pre-pandemic times, many countries required travelers to have personal medical insurance to visit (although you weren't necessarily required to provide proof). Now, with pandemic concerns, some countries are instituting mandatory COVID-19 insurance for entry.

The Bahamas is one example. Travel health insurance is required for all incoming visitors and the cost for the mandatory insurance is included in the price of the Travel Health Visa all tourists are required to apply for before entry. Aruba is another example where COVID-19 insurance is purchased onsite at arrival and mandatory for entry.

Note that these insurance coverage policies just are for medical coverage, so travelers will still need additional coverage to cover non-health-related expenses such as travel delays or lost baggage.

Bottom line

If you're planning on traveling during a pandemic, don't assume that your usual travel insurance will cover you. Be sure to compare different insurance policies. and strongly consider Cancel For Any Reason insurance if you want to make sure your trip costs are covered.

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If you are a Senior, or vulnerable customer who may need special assistance with your banking needs, our branch staff will be available to help provide priority access when arriving at the branch should you require it. We will do our best to prioritize customers who need extra assistance and branch staff will proactively offer this support throughout the day.

Customers can also take advantage of our priority EasyLine access, which is automatic for customers 75+, and will provide you with an alternate option to bank safely from the comfort of your home, 24 hours a day and seven days a week. You can access this line by calling Easyline, or the priority access service number directly, where you will be automatically provided priority service by being placed at the front of the queue.

In addition, we have other options available, so you don't have to wait or come into a branch. You can bank anytime using branch ATMs, EasyWeb Online Banking, EasyLine Telephone Banking and the TD app. You can also book an appointment before coming into the branch to avoid a line.

What do I do if I need to pick-up or order foreign currency, and my branch is closed?

Unfortunately, you will have to wait until your branch reopens, or use our branch locator to find an open branch to fulfill your foreign currency needs. Any deliveries requested to branches which have closed will only be available for pick-up once the branch has reopened. This decision has been taken in the interest of public safety.

I have a Safety Deposit box in a closed branch – can I still get access to it?

Yes, please call your local branch to confirm access and request an appointment. If there is no answer, please press six and leave a message.

Minimum Payment Deferral Option

What is minimum payment deferral option.

As a part of our commitment to help our customers deal with potential financial hardship, we had made a Minimum Payment Deferral option available to customers, which allowed them to defer the minimum payment for 3 months.

Applications for this option ended on Nov 30, 2020.

If I have a monthly pre-authorized payment set up to pay my credit card account, will this payment stop for the 3-month duration of the minimum payment deferral?

No, it will not stop the payment from being withdrawn from your account. If you currently have pre-authorized payments set up from your account to pay your minimum payment, you will need to contact your bank to pause payments from automatically being withdrawn. If your payment is coming out of a TD account, please contact us at  1-800-983-8472 .

Will interest accrue with the Minimum Payment Deferral option?

If you have chosen to defer your payments through the Minimum Payment Deferral program, interest that has accrued during the deferral period will be added to your outstanding balance as set out in your Cardholder Agreement and Disclosure Statement.

On month 4, when the deferral period is over, your minimum payment will continue as outlined in your  Cardholder Agreement and Disclosure Statement.

I have signed up for the Minimum Payment Deferral option, should I stop making any payments if I feel like I can afford to?

If you are able to make any payments during the Minimum Payment Deferral window, we would strongly recommend that you continue to make whatever payments you can. All these payments will help to reduce the amount outstanding and due upon Month 4 when the Minimum Payment Deferral option expires.

If I sign up for the Minimum Payment Deferral option, what if I change my mind?

Once you submit a request for the Minimum Payment Deferral option, you cannot cancel it. If you wish to make any payments, simply make any payments each month and we will apply these payments as outlined in your  TD Credit Cardholder Agreement .

Will my balance protection insurance continue for the duration of the Minimum Payment Deferral program?

Yes, if you have a balance protection insurance, your premiums will continue to be changed and your credit card account will continue to be insured during the deferral period.

Will my credit report or credit score be impacted if I defer a credit card payment through the TD Helps financial relief programs?

If approved for a payment deferral, we will report to the credit bureaus that the underlying is "deferred". A deferred payment is not considered the same as a missed payment on credit bureaus or credit scores. We do not report a COVID-19 related "deferred payment" as a "missed payment".

Your credit score is calculated using a formula based on your credit report and reflects various factors. One of the factors that may affect your credit score includes the amount of your outstanding debts – which may increase as a result of a payment deferral.

For more information about credit reports and your credit score, you can visit the Financial Consumer Agency of Canada (FCAC)  site , or contact the credit bureaus (also known as the credit reporting agencies), Equifax Canada and TransUnion Canada, directly.

Dispute a transaction

How do i request a transaction dispute.

If you would like to dispute a transaction on your account statement, simply complete and  submit a transaction dispute request  within 60 days of the credit card statement closing date.

I have a credit for goods or services that I didn’t use, but now the merchant is bankrupt. What can I do?

While we empathize with the situation, there are no dispute rights in play here since you are voluntarily choosing not to use the services and the voucher was offered as a courtesy.

I can’t use the voucher I took from a merchant when they cancelled a service as they’re bankrupt. Can I dispute?

You must first attempt to resolve the dispute with the merchant after the original expected date of receipt. Although we are asking for clients to be flexible, if the merchant fails to provide the service by the expected date, you may have dispute rights. Please contact us so we can start an investigation.

I'm expecting a refund, but I haven't seen it posted to my account. What can I do?

Because companies can take up to 15 business days to issue a refund, we cannot begin our investigation until that time has expired. If it has been at least 15 days since the refund was issued, please contact us so we may start an investigation.

You can also check your most recent transactions online through EasyWeb. If you have not set up an online banking profile you can do so by going to  EasyWeb  and clicking on the register online now button.

I ordered merchandise/services from a merchant and I still haven’t received them, can a dispute be filed?

You must first attempt to resolve the dispute with the merchant after the expected date of receipt. Although we are asking for clients to be flexible, if the merchant fails to provide the merchandise by the expected date, you may have dispute rights. Please contact us so we can start an investigation.

I haven’t been able to return an item within the timeframe, and now the store is closed down. Can I dispute?

You must first attempt to resolve the dispute with the merchant as some merchant have extended their return window during this time. Although we are asking for clients to be flexible, if the merchant fails to follow their cancellation/return/refund policies, please contact us so that we may start an investigation.

I bought tickets for an event that was rescheduled, but I can’t make the merchant’s new date. What do I do?

Please contact the merchant and attempt to resolve before contacting us. You are not required to accept an alternate date. If the dispute cannot be resolved with the merchant, we may be able to dispute the transaction.

If I choose to miss an event due to fear of the virus and cancel my tickets, can I dispute for non-receipt?

While we empathize with the situation, unfortunately if the event is scheduled as planned and the merchant is willing and able to provide the service there would not be dispute rights for this situation under non-receipt. If you canceled the tickets, the merchant’s cancellation and/or refund policy would apply.

Note:  If services/tickets were purchased through third-party resale sites, the refund policy of that third-party sale would apply—not the refund/cancellation policy of the original merchant.

I’ve purchased a proprietary gift card from a merchant. The merchant went out of business so now I can’t use any goods or services, or a refund. What should I do?

Please contact the merchant and attempt to resolve before contacting us. As the gift card represents purchased services, and the merchant is now unable to provide the services, we may be able to dispute. Please contact us to start an investigation.

I purchased a gift card from a 3rd party, and the merchant on the card has closed. Can I dispute the charge?

Please contact the merchant of record (such as grocery store) and attempt to resolve with them before contacting us. If you are unable to resolve with that merchant, please contact us to start an investigation.

TD Helps - Mortgage Deferrals

What is a mortgage payment deferral.

A mortgage payment deferral is a temporary pause on mortgage payments. Once the deferral ends, the principal and accumulated interest will still need to be repaid.

What happens after my mortgage deferral period is over?

After your deferral, your regular mortgage payments will remain the same until the term is renewed or you make any other change to your payments (e.g. amount, payment date, or frequency). One of these changes might result in your payment being higher to ensure your mortgage is paid off within the amortization period that was agreed upon when your mortgage agreement was originally signed.

What if I want to change or cancel my mortgage payment deferral?

You can contact us to discuss changes or cancellation in a number of ways. Call our Contact Centre at 1-888-720-0075 , speak to someone online with Click to Chat through EasyWeb, or talk to somebody in one of our branches. You can use our Branch Locator to find a location near you that's open. Remember that, with your health in mind, we've temporarily closed or reduced hours at some branches, and you may experience longer than usual call wait times.

My mortgage is coming up for renewal. Given the current situation with Coronavirus and COVID-19, what is the best way to renew my mortgage?

Currently, the fastest and easiest way to renew your mortgage is through EasyWeb® Online Banking or the TD app—and you can get it done from the comfort of your own home.

You'll be able to review your current mortgage rate and terms and compare them against a range of other options we have for you.

It only takes a few simple steps:

• Log in to  EasyWeb  or the TD app, and click on your Mortgage account
• Click  Renew Now  to review your options and select one
• Review the  Mortgage Renewal Agreement  and accept the terms and conditions

Can I make a lump sum payment on my mortgage?

You are able to make a lump sum payment but there may be a prepayment charge if it exceeds a certain amount. You can refer to your Mortgage Loan Agreement for more information. You can also call our Contact Centre at 1-888-720-0075 , or speak to someone online with Click to Chat through  EasyWeb to get details on your options .

TD Home Equity FlexLine Term Portion Deferrals

What happens when my td home equity flexline term portion the payment deferral period is over.

If you deferred both principal and interest, when your deferral period ends your payments will begin again and be applied to the interest accrued during the deferral period first. Once all interest owed is repaid your payments will start going towards your principal (plus interest) again as normal. You can find the date your payments will resume along with additional cost of borrowing information in the  Confirmation of the Changes to your TD Home Equity FlexLine/Home Equity Line of Credit  that was mailed to you.

If you deferred your principal, when your deferral period ends your payments will begin again. You can find the date your payments will resume along with additional cost of borrowing information in the  Confirmation of the Changes to your TD Home Equity FlexLine/Home Equity Line of Credit  that was mailed to you.

We're also ready to help you with any questions you may have. Give us a call at our Contact Centre at 1-888-720-0075 , click to Chat through  Easy Web , or talk to somebody in branch. You can use our  Branch Locator  to find a branch near you that's open.

My TD Home Equity FlexLine Term Portion is coming up for renewal. Given the current situation with Coronavirus and COVID-19, what is the best way to renew?

You can renew your TD Home Equity FlexLine by visiting your local branch or calling 1-800-450-7320 . You can use our  Branch Locator  to find a branch near you that's open and book an appointment at an open branch with our  Branch Appointment Booking Tool .

Payment Deferrals – Impact to Credit Report

Will my credit report or credit score be impacted if i defer a mortgage, td home equity flexline term portion, personal loan or credit card payment or other payment deferral through td's covid-19 financial relief programs.

If you were approved for a COVID-19 payment deferral, we reported to the credit bureaus that the payments were "deferred". A deferred payment is not considered the same as a missed payment on credit bureaus or credit scores. We do not report a COVID-19 related "deferred payment" as a "missed payment".

Credit protection

How do i defer my td credit protection insurance premiums.

You can request a deferral of your insurance premium charges through an online application. Our call centre and branch staff are also able to assist you with this deferral request. Call our Contact Centre at  1-888-720-0075  or contact a branch.

How many months can I defer my TD Credit Protection premiums for?

You can request to defer your TD Credit Protection insurance premium charges for up to 6 months for a mortgage or TD Home Equity FlexLine, and up to 4 months for a personal line of credit or personal loan. At the end of the deferral period, you will have up to 12 months to repay deferred premium charges. The deferral period and repayment period cannot extend beyond your coverage end date. You can request a deferral of your insurance premium charges through the  online application .

How many insured borrowers can request a deferral of TD Credit Protection insurance premium charges?

A separate request is required for each insured person and for each insured credit product account. Not all insured persons need to defer premiums on the same credit product for premium charges to be deferred for any one insured person.

What happens if I need to make a claim during my TD Credit Protection premium deferral period?

Your coverage will not terminate during the deferral and repayment periods if your request to defer premium charges is approved. If you need to make a claim during either of these periods, just complete a claim through the usual process. However, please note that in the event of an approved claim, any deferred premiums owing at the time of claim will be deducted from the total amount of the claim benefit payment and/or required to be paid by you if the benefit amount doesn't cover the outstanding premiums.

If you would like to dispute a transaction on your account statement, simply complete and  submit a transaction dispute request  within the following timeframe:

• TD Credit Card:  within 60 days of the credit card statement closing date
• TD Access Card:  within 30 days of the date you have received notice of the transaction as per your account agreement

I haven’t been able to return an item within the timeframe, and now the store has closed down. Can I dispute?

You must first attempt to resolve the dispute with the merchant as some merchants have extended their return window during this time. Although we are asking for clients to be flexible, if the merchant fails to follow their cancellation/return/refund policies, please contact us so that we may start an investigation.

I’ve purchased a proprietary gift card from a merchant that went out of business. What should I do?

My trip has been cancelled by the airline due to low demand. what can i do.

Many airlines are offering to waive fees, change flights or possibly refund in-full. Please attempt to resolve this with the Airline, before contacting us. Merchants may be experiencing heavy call volumes. We are encouraging cardholders to please visit the merchant websites to resolve the matter. If you are unable to resolve and your date of travel has passed, please contact us and we will try to help.

My flight was cancelled too late for me to cancel my hotel reservation. Can I dispute the hotel charge(s)?

Since the merchant is willing and able to provide the hotel stay, the merchant is entitled to be paid for one night’s accommodation. We encourage you to continue to work with them for a mutually agreeable outcome.

I can’t get to my cruise departure destination due to a cancelled flight. Do I have a valid dispute?

While we empathize with the situation, the cruise merchant is expecting to be paid as they are willing and able to provide the cruise. We encourage you to work with them for a solution. Many cruise lines are offering to waive fees to change bookings or possibly offer vouchers for alternate dates. However, if the cruise line was responsible arranging your flight - we might be able to assist. In this case, please contact us, so we may start an investigation.

Can I get money back for out-of-pocket expenses incurred by making new travel arrangement based on advisories?

As these charges are not disputable we are limited to the value of the transaction. We encourage you to continue to work with the merchant for a mutually agreeable solution. If your new travel arrangements are separate from your original booking, and after contacting the merchant you were unable to resolve the dispute, please contact us so we may start an investigation on the original booking.

If I choose not to take a trip due to fear of the virus and cancel, can I dispute charges?

While we appreciate your safety concerns, if the travel merchant is willing and able to provide the service then their cancellation and/or refund policy would apply. This would need to be handled separately for each aspect of your itinerary (e.g., airline, hotel and rental car agency). Note : If services/tickets were purchased through third-party resale sites, the refund policy of that third-party sale would apply—not the refund/cancellation policy of the original merchant.

Travel Insurance

Where can i find information about travel insurance policies related to my td credit card.

The Cardholder Agreement for your TD Credit Card contains important and useful information relating to specific Travel Insurance Policies. Please review your  Cardholder Agreement  online.

I have a TD Credit Card that I used to book a trip, does it include Trip Cancellation Insurance?

The following TD Credit Cards include Trip Cancellation coverage:

• TD® First Class Travel® Visa Infinite* Card
• TD® Aeroplan® Visa Infinite Privilege* Card
• TD® Aeroplan® Visa Infinite* Credit Card
• TD® Business Travel Visa* Credit Card

My TD Credit Card comes with Trip Cancellation Insurance. Will I be covered if I cancel my trip due to a travel advisory for COVID-19?

A customer may be eligible for coverage if they charged their trip (in full) to their TD Credit Card that offers Trip Cancellation Insurance, before an “Avoid all Travel” or “Avoid non-Essential Travel” travel advisory was issued by the Government of Canada for their destination. However, please note that each Trip Cancellation claim is evaluated on an individual basis.

An updated list of Travel Advisories can be accessed  here .

More information about benefits, features, coverage and exclusions can be found in the Certificate of Insurance included in the Credit Cardholder Agreement. Cardholder Agreements for each product are below:

• TD® Business Travel Visa* Card

Travel cancellation and modification

How do i make a trip cancellation claim.

24 Hour Emergency Assistance Number

Interruption, Trip Cancellation, you can call our provider 24 hours a day/7 days a week:

• From the U.S.A. or Canada  1-866-374-1129
• From elsewhere, call collect  416-977-4425

Customer Service Phone Number

For more general customer service questions, you can call the provider at:

1-866-374-1129  or  (416) 977-4425

Monday – Saturday 8 a.m. – 8 p.m. Eastern Time

What should I do if I want to modify or cancel a trip booked through Expedia For TD?

For support with a current or past booking , contact the Expedia For TD call center at  1-877-222-6492 . You will be asked to provide your itinerary number or phone number before speaking to an agent to confirm your travel dates. To assist the most urgent cases, please consider calling closer to your travel dates.

For upcoming travel cancellations , you may be able to submit an Online Cancellation Request. By completing the Online Cancellation Request Form, you give permission to Expedia For TD to contact the travel supplier and cancel your reservation. Please note that any refunds are subject to the policy of the airline or travel provider you are booked with.  For more information on online cancellation, please check out  Expedia For TD Customer Service Portal for COVID-19  Support .

What should I do if I want to modify or cancel a trip booked through Aeroplan?

For TD Aeroplan trip cancellations all of the miles will be returned to your account, and any fees you paid for your booking will be returned to your original method of payment. Simply log-in at Aeroplan and visit  Manage your bookings.

If you want to change your Aeroplan Flight Reward to travel on a different date without cancelling the booking, you must call the Aeroplan Contact Centre at  1-800-361-5373 . Please note that Aeroplan is experiencing a high volume of calls related to COVID-19. If you are not travelling within the next 3 days, please consider calling at a later time. For all other information around Air Canada route suspensions, please visit  Air Canada COVID-19 Updates .

While we appreciate your safety concerns, if the travel merchant is willing and able to provide the service then their cancellation and/or refund policy would apply. This would need to be handled separately for each aspect of your itinerary (e.g., airline, hotel and rental car agency).

Note : If services/tickets were purchased through third-party resale sites, the refund policy of that third-party sale would apply—not the refund/cancellation policy of the original merchant.

Canada Emergency Business Account (CEBA) Frequently Asked Questions

All application outcomes and repayment deadlines for the ceba are now final.

All program eligibility determinations, application outcomes and repayment deadlines are now final and cannot be changed. As an administrator for the CEBA program, TD does not have the authority to grant exceptions to the CEBA eligibility criteria.

Where can I get more information about CEBA?

• Full details are provided on the Government of Canada CEBA website:  https://ceba-cuec.ca/

What is the CEBA?

The Government of Canada established the CEBA program to support Canadian businesses adversely affected by COVID-19. Eligible businesses  received a loan for immediate financial support to cover short term operating expenses, payroll and other non-deferrable expenses critical to sustain business continuity.

CEBA details are as follows:

• A $40,000 interest-free (until January 18, 2024), government funded loan for eligible borrowers in good standing to help pay for operating costs that businesses were not able to defer as a result of COVID-19.  If the CEBA loan is not repaid by January 18, 2024 or March 28, 2024, as applicable, it will be extended until December 31, 2026 and bear interest at 5% per annum payable monthly.
• $10,000 of the $40,000 TD CEBA loan is eligible for forgiveness if $30,000 of the loan is fully repaid on or before January 18, 2024 or March 28, 2024 if a refinancing application is submitted to TD by January 18, 2024 (provided that interest shall commence on January 19, 2024).  
• A $60,000 interest-free (until January 18, 2024), government-funded loan for eligible borrowers in good standing to help pay for operating costs that businesses were not able to defer as a result of COVID-19.  If the CEBA loan is not repaid by January 18, 2024 or March 28, 2024, as applicable, it will be extended until December 31, 2026 and bear interest at 5% per annum payable monthly.
• $20,000 of the $60,000 TD CEBA loan is eligible for forgiveness if $40,000 of the loan is fully repaid on or before  January 18, 2024 or March 28, 2024 if a refinancing application is submitted to TD by January 18, 2024 (provided that interest shall commence on January 19, 2024).
• If the loan is not repaid by January 18, 2024 or March 28, 2024, as applicable, it will be extended until December 31, 2026 bearing an interest at a rate of 5% per annum.  Starting January 19, 2024, the CEBA loan interest will be payable monthly and all outstanding CEBA loans must be repaid in full by December 31, 2026.
• Lumpsum payments can be applied to the loan at any time without penalty.
• TD CEBA Loans must be repaid in full by December 31, 2026

On September 14, 2023, the Government of Canada announced that the repayment deadline for partial loan forgiveness has been extended from December 31, 2023 to January 18, 2024 or March 28, 2024 if a refinancing application is submitted to TD by January 18, 2024 for eligible TD CEBA loan holders in good standing, how does this impact my CEBA loan?

For eligible TD CEBA loan holders in good standing , the following are the key changes and related important dates affecting their CEBA loan:

• January 18, 2024/March 28, 2024 – For eligible TD CEBA loan holders in good standing, the non- forgivable portion of a CEBA loan must be repaid by January 18, 2024 or March 28, 2024 if a refinancing application is submitted to TD by January 18, 2024 (provided that interest shall commence on January 19, 2024) to be eligible for partial loan forgiveness.
• January 19, 2024 – Outstanding CEBA loan balances will be extended until December 31, 2026, with an interest rate of 5% per annum. Monthly interest payments are required.
• December 31, 2026 – Outstanding CEBA loans must be fully repaid by this date.  

Eligible TD CEBA loan holders in good standing that have submitted a refinancing loan application to TD by January 18, 2024 and require time to finalize the payout of their TD CEBA loan may qualify for partial loan forgiveness if the outstanding principal of their CEBA loan, other than the amount eligible for forgiveness is repaid by March 28, 2024 (provided that interest shall commence on January 19, 2024).

I have received a communication from TD, on behalf of the Government of Canada, that states that if my CEBA loan is not repaid before the January 18, 2024 deadline interest will be charged at a rate of 5% per annum. Where will the interest payments be debited from?

Interest will commence on January 19, 2024 and monthly interest payments will be debited from the Business Chequing Account where the CEBA proceeds were credited. If the account the CEBA loan was originally credited to has been closed, please ensure that a new Business Chequing Account number has been provided to TD for pre-authorized debit for the monthly payments.

I have received a communication from TD, on behalf of the Government of Canada, notifying me that I was not eligible for the CEBA loan I received. Who can I contact to find out the reasons behind this decision?

If you have questions about your CEBA eligibility, please contact the CEBA Call Centre at 1-888-324-4201. All decisions pertaining to CEBA loan applications are final, including determination of compliance with CEBA eligibility criteria and approval/decline. Eligibility decisions are made by the Government of Canada.

How can I make payments to my CEBA loan?

Payments can be made via a TD Canada Trust Branch, TD EasyLine (1-855-646-8804), or online through EasyWeb and the TD mobile app. CEBA loans cannot be set up for automated monthly principal payments however lump sum payments can be made at any time using the channels listed above.

I have recently repaid the non-forgivable portion of my CEBA loan. Why does the CEBA loan still show on my banking profile?

Your account will be automatically closed within 21 days of repayment, and a loan closure letter will be mailed to you in 3 - 5 business days after the loan account is closed.

Please note if we and/or the Government of Canada and/or its respective agents and/or consultants determine after the date of repayment that you did not satisfy all of the eligibility requirements for partial CEBA loan forgiveness, including if you were in default under your CEBA Loan Agreement on the date of your repayment, you will be required to repay any amount forgiven.

I will be closing my business and I still have an outstanding CEBA loan, what actions do I need to take?

Business closure renders the CEBA loan immediately due and payable however your business may still be eligible for partial loan forgiveness. Please contact your local Account Manager or EasyLine Business Banking Specialist (1-855-646-8804) to make the necessary arrangements to repay the CEBA loan.

Is the forgivable portion of my CEBA loan taxable?

For any taxation questions relating to your CEBA loan, please contact the Canada Revenue Agency (CRA) or your tax professional for further information.

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Omicron and Travel: So, Now Do I Need Trip Insurance?

In light of the new variant, is extra protection warranted for things like flight and lodging cancellations and quarantine hotels? It depends. Here’s what you need to know.

• Share full article

By Elaine Glusac

While the pandemic has depressed travel, it may have encouraged travel insurance, say those in the industry.

“The biggest question we get from customers is: ‘What happens if I get Covid during travel and what if I have to quarantine?’” said Jeremy Murchland, the president of Seven Corners , a travel insurance management company. “Covid has created a much broader awareness of travel insurance.”

But will it help you in light of the new Omicron variant, which has already led to new travel restrictions and requirements? In the early days of the pandemic, travel insurance largely failed to protect travelers who wanted or needed to cancel as the world shut down. The following are answers to common questions about travel insurance now.

Does travel insurance cover Covid-19, including the new Omicron variant?

For the most part, yes, travel insurance policies now treat Covid-19 in all its variants — including Omicron — like any other medical emergency.

“Consumers should know that most travel insurance plans with medical benefits now treat Covid like any other illness that you could contract while traveling or that could prohibit you from going on your trip,” said Carol Mueller, a vice president of Berkshire Hathaway Travel Protection . “If you become ill before your trip, you’ll need a doctor’s note confirming your illness and that you are unable to travel in order to be eligible for benefits. The benefits are the same regardless of whether you contract Omicron, another variant of Covid or any illness for that matter.”

Buyers should read the policies carefully and look out for those that exclude pandemics, Covid-19 and its variants. To make a claim, you must have had travel insurance before becoming ill.

“We always say, you can’t buy auto insurance after you’ve already had an accident,” said Meghan Walch, the product manager of InsureMyTrip , an insurance sales site. “It is designed for unforeseen issues. You have to purchase it before an event.”

I am traveling internationally. If borders close because of Omicron, am I covered through travel insurance?

No, most policies do not cover you if your foreign destination closes its borders to visitors, as Israel did recently. With a few exceptions, that also goes for a government-issued travel warning to a destination, which is generally not a covered reason to make a claim.

Given the added uncertainties of Omicron, should I consider a ‘Cancel for Any Reason’ policy?

Cancel for Any Reason, or C.F.A.R., provisions would allow you to claim some of your nonrefundable costs if you decide not to go on a trip for any reason, including border closures or fear of contracting Covid. The rub is that this form of insurance — in addition to being more expensive — must generally be purchased within a few weeks of booking the trip and will only return 50 to 75 percent of nonrefundable trip costs.

“Most travel insurance policies do not cover you for wanting to cancel out of fear of Covid. We say this 10 times a week,” said Sarah Groen, the owner of the agency Bell and Bly Travel . She counsels clients to consider their worst fears — illness, for example, or quarantine — in troubleshooting travel insurance. “We’ve become like therapists,” she said.

What about quarantine and medical expenses?

Make sure the policy you choose covers these. In the case of medical coverage, check with your regular health insurer; many policies will not cover you abroad, which is an additional reason to consider coverage if you are traveling internationally.

“What travel insurance can do is cover additional hotel stays if you are able to self-quarantine and additional airfare when you’re able to come home,” said Megan Moncrief, the chief marketing officer for Squaremouth , a travel insurance sales site. She added that most policies will extend to seven days past your originally scheduled return date, effectively covering only about seven days in case of quarantine.

Do some destinations require travel insurance?

Yes, primarily to cover medical care or quarantine accommodations in the event that a traveler tests positive for Covid-19. For example, Singapore requires medical insurance with a minimum coverage of 30,000 Singapore dollars, or about $22,000. Fiji requires travel insurance to cover potential treatment for Covid-19, and makes it available from about $30. Some destinations, such as Anguilla , recommend rather than require travel insurance. InsureMyTrip.com has a page devoted to countries that require travel insurance.

It bears thinking about what it would take to get home for treatment should you contract Covid-19 abroad. Thailand, for example, requires travelers to have medical insurance with the minimum coverage of $50,000. “Evacuation out of Thailand would be higher,” said Sasha Gainullin, the chief executive of Battleface , a travel insurance start-up that unbundles benefits. In the case of a Thailand trip, he advised taking medical coverage up to $100,000 for treatment locally and $500,000 for medical evacuation and repatriation.

Do I need insurance if I have bookings with flexible cancellation policies?

Probably not, if you have hotel reservations that allow free cancellation 24 to 48 hours in advance. The same with flights; if your flight is changeable and will provide a voucher or refund in case of cancellation, you’re covered.

I have rented a house with restrictive cancellation penalties. Can I insure against those?

Yes. Vacation home rentals from Airbnb and the like can be treated just like other accommodations that do not offer refunds. In this case, you would want to get a policy in the amount you would forfeit if you had to cancel for a covered reason like illness. Again, fear of travel is not a covered reason; for that, you would need C.F.A.R.

Elaine Glusac is the Frugal Traveler columnist. Follow her on Instagram: @eglusac .

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.

An earlier version of this article misstated the timeframe within which it is recommended that Cancel for Any Reason travel insurance be purchased. It is generally within about two to three weeks of booking the trip, not one or two days.

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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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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

Table of contents

• 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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Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn .

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TD Insurance Travel Insurance

Why it can be important to have travel insurance.

Travelling can be expensive enough on its own, but a medical emergency could cost you much more. It’s also important to note that your credit card might not include travel insurance or may have limited coverage. Whether you’re planning a trip for yourself or your entire family, TD Insurance Travel Insurance can help provide protection from certain unexpected events.

Explore TD Insurance Travel Insurance Plans

TD Insurance Multi-Trip All-Inclusive Plan

This is the most comprehensive plan we offer. It provides you with multiple benefits, including up to $5 million in emergency travel medical coverage, trip cancellation and interruption and more, for multiple covered trips up to the maximum trip duration selected within one year. 1

  Sample Insurance Policy - Multi-Trip All-Inclusive Plan

TD Insurance Single-Trip Medical Plan

This plan provides up to $5 million in emergency travel medical insurance coverage for one trip. 2

  Sample Insurance Policy - Single-Trip Medical Plan

TD Insurance Multi-Trip Medical Plan

If you travel often, then this multi-trip plan could be more cost-effective than buying a single-trip plan each time. This plan provides you with up to $5 million in emergency travel medical coverage for each covered trip up to the maximum trip duration selected within one year. 3

  Sample Insurance Policy - Multi-Trip Medical Plan

TD Insurance Trip Cancellation & Interruption Plan

This plan could be right for you if you do not need emergency medical coverage but want financial protection for eligible non-medical expenses like your trip being cancelled or interrupted due to a covered event. 4

  Sample Insurance Policy - Trip Cancellation & Interruption Plan

Compare plans

Please refer to the Sample Policy for defined terms and a full description of features, benefits, limitations and exclusions.

Ready to choose a plan?

Why choose td insurance travel insurance.

• Up to $5 million in emergency travel medical coverage Feel good about your next trip with medical coverage up to $5 million on eligible costs.
• 24/7 emergency assistance by phone worldwide Call our administrator anytime if you have an emergency during your trip.
• Travel medical coverage for dependent child(ren) included with two paying travellers On select plans that have the family coverage 5,6  option, your dependent child(ren)’s travel medical coverage is included at no additional charge.
• Convenient online quotes and claims servicing Available 24/7 when submitted online.

How to apply online

Get a quote in minutes

No obligation to purchase.

Decide whether you want to purchase

After reviewing the details, you can proceed to purchase.

Pay and submit

Review and confirm your purchase.

Submit a travel insurance claim

Start the claims process by visiting our  Online Claims Portal.

Let’s connect

Our administrator is ready to answer your questions and help you on your way.

• For 24/7 emergency assistance:  1-833-962-1140  (Canada and the U.S., toll free) or + 1-519-988-7629  (worldwide, collect).
• For quotes, to purchase a policy or any general inquiries:  1-833-962-1143 . Mon-Fri 8am to 8pm ET Saturday 9am to 5pm ET
• For claims:  1-833-962-1140 .

Check your TD credit card travel insurance benefits.

Are you an existing TD Credit Cardholder and dreaming of future travels? Learn about what travel insurance benefits are available on your TD credit card with our Credit Card Travel Insurance Verification Tool.

Information for Quebec Residents – TD and MBNA Credit Card Product Summaries

Below are the Travel Insurance Summaries and Credit Card Insurance Summaries for TD and MBNA credit cards. These summaries provide an overview of the features and benefits of the insurance coverages included with TD and MBNA credit cards.

TD Personal Credit Cards:

• TD Cash Back Visa Infinite *  Card Travel Insurance Summary      Credit Card Insurance Summary
• TD Cash Back Visa *  Card Credit Card Insurance Summary
• TD® Aeroplan® Visa Infinite *  Card Travel Insurance Summary      Credit Card Insurance Summary
• TD® Aeroplan® Visa Platinum *  Card Travel Insurance Summary      Credit Card Insurance Summary
• TD® Aeroplan® Visa Infinite *  Privilege Card Travel Insurance Summary      Credit Card Insurance Summary
• TD First Class Travel® Visa Infinite *  Card Travel Insurance Summary      Credit Card Insurance Summary
• TD Platinum Travel Visa *  Card Travel Insurance Summary      Credit Card Insurance Summary
• TD Rewards Visa *  Card Credit Card Insurance Summary
• TD Emerald Flex Rate Visa *  Card Credit Card Insurance Summary
• TD U.S. Dollar Visa *  Card Travel Insurance Summary      Credit Card Insurance Summary
• TD Low Rate Visa Card Credit Card Insurance Summary

TD Business Credit Cards:

• TD Business Travel Visa *  Card Travel Insurance Summary      Credit Card Insurance Summary
• TD Business Cash Back Visa *  Card Credit Card Insurance Summary
• TD Business Select Rate TM  Visa *  Card Credit Card Insurance Summary
• TD® Aeroplan® Visa Business Credit Card Travel Insurance Summary      Credit Card Insurance Summary

MBNA Credit Cards:

• MBNA Gold Mastercard® Travel Insurance Summary      Credit Card Insurance Summary
• MBNA Platinum Plus or True Line Mastercard® Credit Card Insurance Summary
• MBNA Rewards Platinum Plus® Mastercard® Credit Card Insurance Summary
• MBNA Rewards World Elite® Mastercard® Travel Insurance Summary      Credit Card Insurance Summary
• MBNA World Elite® Mastercard® Travel Insurance Summary      Credit Card Insurance Summary
• MBNA World Mastercard® Travel Insurance Summary      Credit Card Insurance Summary
• MBNA Platinum Plus® Mastercard® Travel Insurance Summary      Credit Card Insurance Summary

Other Products and Services You May Want To Consider For Your Trip

TD offers banking solutions, credit cards and competitive exchange rates for your travel needs. Explore our products to learn how TD can enhance your trip.

TD Travel Credit Cards

Earn travel reward points on everyday purchases to redeem for flights, hotels and more.

Foreign Exchange Services

We have over 50 foreign currencies available at competitive rates.

Cross Border Banking

Canadian-based U.S. dollar products with TD Canada Trust can help you avoid foreign exchange fees by allowing you to save and spend in U.S. dollars.

TD Insurance Travel Insurance plans (TD Insurance Multi-Trip All-Inclusive Plan, TD Insurance Single-Trip Medical Plan, TD Insurance Multi-Trip Medical Plan and TD Insurance Trip Cancellation & Interruption Plan) are individual insurance plans administered by Global Excel Management Inc. and its subsidiary, CanAm Insurance Services (2018) Ltd. TD Insurance Multi-Trip All-Inclusive Plan and TD Insurance Trip Cancellation & Interruption Plan are underwritten by TD Life Insurance Company (medical covered causes) and TD Home and Auto Insurance Company (non-medical covered causes). TD Insurance Single-Trip Medical Plan and TD Insurance Multi-Trip Medical Plan are underwritten by TD Life Insurance Company. Medical and claims assistance, claims payment and administrative services are provided by the administrator described in the insurance policies. Coverages and benefits are subject to eligibility conditions, limitations, and exclusions, including pre-existing medical condition exclusions. Please refer to the policy for full details. 1. The TD Insurance Multi-Trip All-Inclusive Plan will provide coverage for each covered trip taken within 1 year up to the maximum trip duration you selected when the policy was purchased. If the oldest person on the insurance policy is 15 days old to 59 years old, the maximum trip duration is 60 consecutive days. If you are 60 years and older, the available maximum trip durations are 22 or 30 consecutive days. Coverage may be subject to conditions, exclusions, and limitations. Refer to your Policy of Insurance for full details of coverage for the TD Insurance Multi-Trip All-Inclusive Plan. 2.Coverage may be subject to conditions, exclusions and limitations. Answering a Medical Questionnaire is required for those 60 years of age or older to determine eligibility for the TD Insurance Single-Trip Medical Plan. Refer to your Policy of Insurance for full details of coverage. 3. The TD Insurance Multi-Trip Medical Plan will provide emergency travel medical coverage for each covered trip taken within 1 year up to the maximum trip duration you selected when the policy was purchased. If the oldest person on the insurance policy is 15 days old to 79 years old, the available maximum trip durations are 4, 9, 16 or 30 consecutive days. If you are 80 years and older, the available maximum trip durations are 4, 9 or 16 consecutive days. Coverage may be subject to conditions, exclusions and limitations. Answering a Medical Questionnaire is required for those 60 years of age or older to determine eligibility for the TD Insurance Multi-Trip Medical Plan. Refer to your Policy of Insurance for full details of coverage. 4.Coverage may be subject to conditions, exclusions and limitations. Refer to your Policy of Insurance for full details of coverage for the TD Insurance Trip Cancellation & Interruption Plan. 5. The TD Insurance Multi-Trip All-Inclusive Plan has family coverage and provides coverage for you, your Spouse and unmarried Dependent Child(ren) if you name them in your application. Spouse means the person to whom you are legally married to; or the person you have lived for at least 1 year and publicly refers to as your domestic partner Dependent Child(ren) means your natural, adopted, or step-children who are: a) unmarried; and b) dependent on you for financial maintenance and support; and i. under 22 years of age, or ii. under 26 years of age and attending an institution of higher learning, full-time, in Canada; or iii. mentally or physically handicapped. All insured persons may travel independently of one another. All covered travellers must be a Canadian resident and be covered by the government health insurance plan of your Canadian province or territory of residence for the entire duration of your trip and at the time you incur a claim. If any of the travellers do not meet these criteria, that traveller will need to complete a separate application for their own policy. Up to 6 travellers including yourself are permitted to be under a policy through our online application. To purchase additional coverage for groups of more than 6 people, please call our administrator at  1-833-962-1143 . 6. Family Coverage is available on the TD Insurance Single-Trip Medical Plan and the TD Insurance Multi-Trip Medical Plan for you, your Spouse and unmarried Dependent Child(ren) if you name them in your application. Spouse means the person to whom you are legally married to; or the person you have lived for at least 1 year and publicly refers to as your domestic partner. Dependent Child(ren) means your natural, adopted, or step-children who are: c) unmarried; and d) dependent on you for financial maintenance and support; and i. under 22 years of age, or ii. under 26 years of age and attending an institution of higher learning, full-time, in Canada; or iii. mentally or physically handicapped. Your Dependent Child(ren) must be travelling with you or your spouse. All covered travellers must be a Canadian resident and be covered by the government health insurance plan of your Canadian province or territory of residence for the entire duration of your trip. Family Coverage is not available when a medical questionnaire is required for any of the travellers. If any of the travellers do not meet these criteria, that traveller will need to complete a separate application for their own policy. Up to 6 travellers including yourself are permitted to be under a policy through our online application. To purchase additional coverage for groups of more than 6 people, please call our administrator at  1-833-962-1143 . Mailing Address: TD Life Insurance Company P.O. Box 1 TD Centre Toronto, Ontario M5K 1A2 TD Home and Auto Insurance Company P.O. Box 1 TD Centre Toronto, Ontario M5K 1A2

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Traveling This Summer? Here’s Why You Need COVID Travel Insurance

Gabriella Clare Marino/Unsplash

Key Takeaways

• Some travel insurance will cover COVID-19 infection and quarantine. However, the fear of contracting COVID is not covered under most plans. In that case, “Cancel for Any Reason” coverage may offer protection.
• Many countries now require travel insurance. Depending on where you go, you may need to purchase a nationally administered plan.
• If you’re planning a trip, know that these requirements are changing frequently. Always read the fine print on any coverage you’re considering. Before you depart, double-check your plan to make sure that it’s complying with the requirements of the country you’re traveling to.

Jonathan Tucker didn’t intend to contract COVID-19 in Ireland in early April.

Tucker, who plays djembe and sings with the pirate band The Musical Blades, was touring the Emerald Isle as part of a guided tour featuring the musical group.

After seeing many of the sights, he and roughly 20 of the 65 tour participants came down with COVID and had to stay behind to quarantine.

While quarantining in an Irish hotel room isn’t ideal, Tucker told Verywell that he was prepared for the possibility.

“We got travel insurance, although it wasn’t exclusively for COVID,” said Tucker. “We also made sure we saved enough for double the trip expenses just in the event that this happened. Otherwise, it would be irresponsible.”

Tucker chose a plan through Allianz that reimbursed his expenses, including accommodations while traveling.

Since Ireland’s quarantine time is counted from the first sign of COVID symptoms , without that coverage, Tucker would have been on the hook for an additional seven days of accommodations.

What Is Travel Insurance?

Travel insurance has been around far longer than COVID, but the pandemic has made it much more attractive to travelers.

Typical plans cover trip delays, lost baggage, or medical care if a traveler has to visit a healthcare facility abroad. Most domestic healthcare plans don’t offer coverage.

Some plans, like Tucker’s, work for solo travelers or couples traveling together—even if only one person tests positive for COVID.

Travel Insurance for COVID

While there are options for travelers trying to prepare for the possibility that COVID could derail their plans, it hasn't always been that way.

Damian Tysdal, the founder of CoverTrip , told Verywell that epidemics were historically excluded from travel insurance.

Tysdal has written about travel insurance trends on his blog since 2006. He told Verywell that he’s seen plans change throughout the pandemic.

“COVID coverage with travel insurance has been evolving since the beginning of the pandemic,” said Tysdal. “Some companies outright excluded any losses resulting from an epidemic. Others covered it, but only if you purchased insurance before it became a ‘known event’—after which it could not be insured.”

According to Tysdal, most companies covered COVID as if it were any other illness—they paid for medical care, or if you were diagnosed before your trip, they covered trip cancellation.

However, consumers need to read plans carefully and look for loopholes such as exclusions for epidemics.

Is COVID Fear Covered?

Tysdal said that one thing that most plans don’t cover is the fear of contracting COVID, even if case rates justify that fear.

“The main problem came down to people wanting to cancel out of fear of getting COVID. That is not covered,” said Tysdal.

According to Tysdal, an exception would be a plan with “Cancel for Any Reason” coverage, which is “an optional upgrade that extends your list of covered reasons for cancellation. In that case, you could cancel out of fear.”

What Will Travel Insurance Cover?

Joe Cronin, MBA , president of International Citizens Insurance, told Verywell that travel insurance plan coverage varies, particularly when it comes to COVID-related expenses.

For example, some plans will only cover the costs of medical treatment, while others will pay for the cost of quarantining (as in Tucker’s case).

For quarantine coverage, plans might pay a set amount of money for meals, transportation, and lodging.

Read the Fine Print

Cronin said that travelers need to know that self-administered COVID tests are not always enough to trigger plan coverage.

“In most cases, a physician must diagnose you with COVID to receive coverage,” said Cronin. “If you discover you have COVID through a self-administered test, you may have to go to a doctor to get the diagnosis confirmed for the coverage to take effect.”

Cronin explained that “some policies will only cover quarantine if you can show that a government authority or doctor mandated it and that it was because you tested positive or are symptomatic.”

To make sure you’re complying with the policy you’ve purchased, Cronin said it’s crucial that you read the fine print.

Some traditional travel insurance plans changed to accommodate COVID, but there are others that are specifically geared toward it. For example, CAP and Covac Global both offer programs that are optimized for COVID coverage.

Do I Need Travel Insurance?

Travel insurance used to be an optional expense, but Cronin said that many countries now require it for entry.

As borders open to summer travelers, some countries are starting to require travelers to purchase the insurance coverage that’s offered by their national governments.

As of February 2022, Belize requires all visitors to purchase mandatory international health insurance through their tourism portal and covers medical treatment in the country.

Other countries only require travel insurance if you’re unvaccinated.

For example, Singapore requires unvaccinated travelers to carry travel insurance with a minimum of S$30,000 coverage (about US$22,000). Vaccinated travelers are encouraged, but not required, to have insurance.

Know Requirements—and Check for Changes

Cronin said that the requirements for travel insurance change rapidly, so it can be hard to keep up.

“Some countries have said they are implementing a travel insurance requirement only to remove it at the last second,” said Cronin. “Other countries have officially removed their travel insurance requirement—but border control agents are still asking for your travel insurance plan on entry. It is important to check the requirements of the country you are going to.”

As of April 2022, the United States has no travel insurance requirement for entry. Still, White House representatives have stated that there is no intention of lifting the testing requirement for reentry into the U.S.

As that testing remains, more Americans could wind up stranded abroad with COVID—whether they are symptomatic or not. Travel insurance could be the only thing standing between them and a very expensive quarantine.

What This Means For You

Travel insurance used to be a precaution that many travelers considered an unnecessary expense. Now, it might be necessary for entry into a country you plan to visit.

If you choose to purchase travel insurance, read the fine print carefully. Make sure that you know what’s covered—and what’s not—when it comes to COVID medical care and quarantine support.

The information in this article is current as of the date listed, which means newer information may be available when you read this. For the most recent updates on COVID-19, visit our  coronavirus news page .

By Rachel Murphy Murphy is a Kansas City-based journalist with more than a decade of health writing experience.

Planning a trip within Canada this year? You may need travel insurance

4 minute read

Restrictions for domestic travel are beginning to relax in many jurisdictions across Canada, and that has many Canadians thinking about getting onto a plane or planning a road trip in an effort to escape the mundane and explore their country when it's safe to do so.

But before you start wondering which neighbour you're going to ask to feed your cat and water your plants, it's important to ensure you're taking the necessary precautions for your trip. Those precautions could include travel insurance.

When you're planning your trip, it's important to note that in Canada your provincial health insurance plan will cover your hospital and medical expenses should you get sick within your home province. But if you're traveling outside your home province, and you experience a medical emergency, your provincial plan may not cover all your medical costs.

Travel insurance could help protect you from potentially expensive medical costs in the event of a medical emergency.

Increased domestic travel

According to an Expedia Group travel report entitled, 2020-2021 Traveler Sentiment & Influences , domestic travel searches in Canada (and worldwide) have largely outpaced international searches since April 2020.

While Canadians are accustomed to not having to worry about paying for their health care in the event of a medical emergency, the reality is that even within Canada's borders, provincial health coverage may not provide you with total protection and coverage of all medical costs if your vacation plans take you outside of your home province. This could put you at risk for a potentially hefty medical bill should you not have insurance and fall ill or have an accident.

"While many Canadians think about investing in travel insurance before heading out on international travel, the reality is that if you're crossing a provincial border, it's still a good idea to look into whether you may need travel insurance," said Rohit Thomas, Vice President, Life & Health at TD Insurance.

“In Canada, your provincial health insurance plan looks after your hospital and medical expenses and you rarely see a bill. Once you travel outside of your home province though, coverage under your provincial health insurance plan is limited."

While there is an inter-provincial agreement that outlines what is covered for Canadians travelling outside of their home provinces, there are some variations between regions.

For example, Quebec participates in this agreement for hospital fees only, so Quebec residents who are traveling out of their home province should check their provincial health insurance plan for limitations, Thomas said.

"Travelers also contact their provincial or territorial ministries of health to confirm what medical issues are covered when traveling outside of your province," Thomas said.

While agreements vary between provinces, some common fees that may not be covered include things like ambulance or air ambulance transport, a commercial repatriation flight home, physician and laboratory costs, prescription drugs, and more.

Unforeseen medical costs

Purchasing a private travel health insurance product ( such as those offered by TD ) can sometimes help with additional expenses should you need medical attention outside of your home province, as was the case with a woman from Alberta who made headlines across the country in 2015 when she went into labour early in another province, was airlifted to a hospital, and soon found herself stuck with a $30,000 bill.

"There are unfortunately too many cases where Canadians are hit with an unforeseen medical expense outside of their home province," said Thomas.

Because there are no advisories issued against domestic travel due to COVID-19 by the government of Canada, COVID-related illnesses are eligible for coverage while outside of your province but also subject to any limitations and exclusions of the respective provincial policies, Thomas said.

Thomas emphasizes, however, that while a private travel health insurance product can assist with gaps in coverage, it's important to ensure you are fully informed about the parameters of your policies—especially regarding COVID-19 coverage.

“There's no reason that with a little planning you can't start making plans again and enjoy a vacation closer to home or can't explore some of the gems we as Canadians may have overlooked in the past when it's safe to do so," said Thomas, adding that there are several types of travel insurance plans and that travelers are advised to speak to a licensed travel advisor to find coverage that suits their needs best.

"Travel insurance is just one more thing we need to account for now as we get back to planning our domestic adventures all over this beautiful land."

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What Travel Insurance Will and Won't Cover When It Comes to the Coronavirus

Here's what a policy can—and can't—do for those booking trips during the outbreak.

Such uncertainty is leading travelers to research options for protecting investments made in upcoming trips. And while some travel-focused industries are offering piecemeal solutions—airlines promising more flexibility for tickets made in the near future, hotels waiving some cancellation fees—travel insurance policies remain the most comprehensive option.

And customers are taking advantage. Jack Ezon, founder of the global travel agency Embark Beyond , tells Town & Country that he's seen quite a jump in travel insurance sales since the Covid-19 outbreak began—an 88% increase, to be exact.

So, is travel insurance the way to go, at least while the situation surrounding the outbreak remains unpredictable? Here, all the details what travel insurance can (and can't) do for those booking trips during the coronavirus outbreak.

First, here's how travel insurance generally works.

Kasara Barto, a spokesperson for the travel insurance comparison site Squaremouth, says that travel insurance policies are designed to cover "unforeseen losses incurred while traveling." That includes a wide range of things, from lost luggage to the cost of meals and accommodation during an unexpected delay.

Trip cancellation coverage is also typically included, with most policies offering to reimburse 100% of a customer's prepaid and non-refundable expenses—if the reason for cancellation is on a policy's approved list. "The most common covered reasons are an illness, injury, or death of the traveler, a traveling companion, or a family member," Barto says, adding that inclement weather, terrorism, and natural disasters are also frequently covered.

Most policies will not cover any cancellation related to Covid-19.

"In order for an insured traveler to be covered to cancel their trip, the event that is impacting their trip must be explicitly listed within their insurance policy certificate," Barto says. "Viral outbreaks, pandemics, and epidemics are typically not listed within a standard policy. Likewise, canceling a trip because they are too scared or concerned to travel won’t be covered."

For those who purchased travel insurance before the coronavirus became a foreseen event—a date typically defined by insurance providers as between January 21 and 27—some policies may cover trip cancellation if the CDC issued an warning against non-essential travel to a destination on a traveler's itinerary, or if the traveler is physically quarantined due to the virus; some may also cover medical expenses if a traveler contracted the virus while traveling. But, this doesn't help anyone looking to buy a policy now.

"Cancel for any reason" policies are the exception.

For those hoping to cover a trip that may be affected by Covid-19, there is an option: "cancel for any reason" policies. (It really means any reason. " It could be I woke up tired and I'm not in the mood to go. My sister's having a dinner party that I don't want to miss that I didn't know about," Ezon says.)

It's "an optional upgrade that can be added to some policies, as long as the traveler purchases the policy within 14-21 days of making their initial trip deposit," Barto explains.

Generally, "cancel for any reason" policies cover around 75% of the full cost of a canceled trip, significantly less than the full refund offered under other policies—something of a tradeoff for the no-strings-attached coverage.

These policies also more expensive. The "cancel for any reason" upgrade "typically increases a policy’s premium by about 40%," Barto says. "So far this year, the average cost for a policy with 'cancel for any reason' coverage is $489."

Normally, "cancel for any reason" policies aren't legal in New York state—but that's not the case at the moment.

In the wake of the coronavirus's spread, New York state has lifted its ban on "cancel for any reason" travel insurance policies, Governor Andrew Cuomo recently announced.

Cuomo revealed the change at a March 6 briefing , noting that in addition to limiting COVID-19's spread in the state, "we want New Yorkers to go about their daily lives including planning vacations and other travel, and this action will allow them to do that at a time when there is still uncertainty about the future geographic impact of coronavirus."

Chloe is a News Writer for Townandcountrymag.com , where she covers royal news, from the latest additions to Meghan Markle’s staff to Queen Elizabeth’s monochrome fashions ; she also writes about culture, often dissecting TV shows like The Marvelous Mrs Maisel and Killing Eve .

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Understanding What Travel Insurance Covers

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• Travel insurance is intended to cover risks and financial losses associated with traveling.
• Coverage can include trip cancellation, baggage protection, medical care, and emergency evacuation.
• When filing a claim, be specific and comprehensive in your documentation to ease the process.

Whether it's a trip across the world or a trip across the state, having travel insurance provides major relief if things go awry. Flight delays, lost baggage, illness, injuries, and other unforeseen events can disrupt even the best-laid plans. With a major disruption comes the potential for unanticipated expenses.

Travel insurance and the coverage it offers can help keep you protected and save you money in the long run.

Overview of Travel Insurance Coverage

Travel insurance policies protect travelers from financial losses should something go wrong during their trip. You can customize which coverages you want to include, and there are several to choose from.

"Common types of coverage include trip cancellation, trip interruption, baggage protection, coverage for medical care if you get sick or hurt during your trip, and emergency medical evacuation," says Angela Borden, a travel insurance expert and product strategist for travel insurance company Seven Corners.

Travel insurance plans offer nonrefundable payments and other trip-related expenses. While monetary compensation is a primary benefit, there is another valuable perk of travel insurance. It can provide peace of mind.

What does travel insurance cover?

Your specific travel insurance plan (and its terms and conditions) will determine the minutia and specifics of what is covered. As with most other forms of insurance, a general rule of thumb is the more you spend, the better your coverage.

"Travel insurance can be confusing, so it's best to research a reputable company that specializes in travel insurance and has a long history of successfully helping travelers all over the world," says Borden.

Trip cancellation and interruptions

A travel insurance policy can reimburse you for a prepaid, nonrefundable trip if it is canceled for a covered event, such as a natural disaster or a global pandemic.

Trip interruption insurance covers you if you're already on your trip and you get sick, there's a natural disaster, or something else happens. Make sure to check with your travel insurance providers to discuss any inclusions, coverage, and more.

Travel delays and missed connections

Travel delay insurance coverage provides reimbursement for any expenses you incur when you experience a delay in transit over a minimum time. Reimbursements can include hotels, airfare, food, and other related expenses.

Medical emergencies and evacuations

Typically, US healthcare plans are not accepted in other countries. So travel insurance with medical coverage can be particularly beneficial when you are abroad. Medical coverage can also help with locating doctors and healthcare facilities.

Medical transportation coverage will also pay for emergency evacuation expenses such as airlifts and medically-equipped flights back to the US. Out of pocket, these expenses can easily amount to tens of thousands of dollars. Certain plans may even transport you to a hospital of choice for care.

Travel insurance generally does not include coverage for pre-existing conditions. That said, you can obtain a pre-existing condition waiver, which we will talk about later.  

Baggage and personal belongings

Most airlines will reimburse travelers for lost or destroyed baggage, but be prepared for limitations. Travel insurance plans will typically cover stolen items, such as those stolen out of a hotel room. This may not include expensive jewelry, antiques, or heirloom items. Typically, airlines have a few days to recover your bag.

In the meantime, you can make a claim to pay for items like certain toiletries and other items you need to pick up. If your bag is truly lost or you don't get it for an extended period, you can file a true lost baggage claim.

What does credit card travel insurance cover?

A major perk on several travel credit cards is embedded credit card travel insurance . Typically, you will need to use the specific card for the transaction (at least with partial payment) for travel coverage to kick in.

Each card has specific rules on what exactly is covered. But one of the industry leaders is the $550-per-year Chase Sapphire Reserve credit card. Here's a snapshot of what is covered with this specific card:

• Baggage delay: up to $100 reimbursed per day for up to five days if a passenger carrier delays your baggage by more than six hours.
• Lost and damaged baggage: up to $3,000 per passenger per trip, but only up to $500 per passenger for jewelry and watches and up to $500 per passenger for cameras and other electronic equipment.
• Trip delay reimbursement: up to $500 per ticket if you're delayed more than six hours or require an overnight stay.
• Trip cancellation and interruption protection: up to $10,000 per person and $20,000 per trip for prepaid, nonrefundable travel expenses.
• Medical evacuation benefit: up to $100,000 for necessary emergency evacuation and transportation when on a trip of five to 60 days and traveling more than 100 miles from home.
• Travel accident insurance: accidental death or dismemberment coverage of up to $100,000 (up to $1,000,000 for common carrier travel).
• Emergency medical and dental benefits: up to $2,500 for medical expenses (subject to a $50 deductible) when on a trip arranged by a travel agency and traveling more than 100 miles from home.
• Rental car coverage: primary coverage for damages caused by theft or collision up to $75,000 on rentals of 31 days or fewer

More protections are included with cards with an annual fee, but there are exceptions. The no-annual-fee Chase Freedom Flex , for instance, includes up to $1,500 per person (and up to $6,000 per trip) in trip cancellation and trip interruption coverage.

However, there are some differences between credit card travel coverage and obtaining coverage from a third party.

"Credit card coverage does not typically provide travel medical benefits," Borden says. "For protection if you get sick or hurt while traveling, you'll want a travel insurance plan with medical coverage."

Whether you get your travel insurance in a standalone policy or through a credit card, it's important to review your plan details carefully. In either case, there may be exclusions and other requirements such as deadlines when filing a claim, Borden notes.

What travel insurance coverage do you need to pay more for?

Knowing what travel insurance doesn't cover is as important as knowing what it does cover.

"Travelers should understand that travel insurance benefits come into play only if a covered reason occurs," Borden says. Most standard travel insurance plans won't reimburse you for the following:

Cancel for any reason (CFAR)

Cancel-for-any-reason travel insurance covers a trip cancellation for any reason, not just a covered event. your standard benefits won't kick in unless it's a covered event. For instance, you'll be reimbursed simply for changing your mind about taking a trip.

That said, CFAR travel insurance is not without its downsides. For one, it's more expensive than traditional insurance, and most CFAR policies will only reimburse you for a percentage of your travel expenses. Additionally, CFAR policies aren't available for annual travel insurance . 

You can find our guide on the best CFAR travel insurance here.

Foreseen weather events

Sudden storms or unforeseen weather events are typically covered by standard travel insurance plans. There are exceptions to be aware of. For example, an anticipated and named hurricane will not be covered.

Medical tourism

If you're going to travel internationally for a medical procedure or doctor's visit, your travel insurance plan will not cover the procedure itself. Most medical travel plans also won't cover you if something goes wrong with your procedure.

Pre-existing conditions and pregnancy

Those with specific pre-existing conditions, such as someone with diabetes and needing more insulin, will not be covered by most plans. In addition, pregnancy-related expenses will likely not be covered under most plans.

That said, you can obtain a pre-existing condition waiver for stable conditions. In order to obtain a wavier, you will need to purchase travel insurance within a certain time frame from when you booked your trip, usually two to three weeks, depending on your policy.

Extreme sports and activities

Accidents occurring while participating in extreme sports like skydiving and paragliding will typically not be covered under most plans. However, many plans offer the ability to upgrade to a higher-priced version with extended coverage.

Navigating claims and assistance

When a trip goes awry, the first thing you should do is document everything and be as specific as possible with documentation. This will make the claims process easier, as you can substantiate and quantify your financial losses due to the delay.

For example, your flight home has been delayed long enough to be covered under your policy, you'll want to keep any receipts from purchases made while waiting. For instances where your luggage is lost, you will need to file a report with local authorities and document all the items you packed.

Cancellation protection also requires meticulous attention to detail. If you're too sick to fly, you may need to see a doctor to prove your eligibility. If an airline cancels a flight, you'll also need to document any refunds you received as travel insurance isn't going to reimburse you for money you've already gotten back. 

Part of the benefit of CFAR insurance is the reduced paperwork necessary to file a claim. You'll still need to document your nonrefundable losses, but you won't have to substantiate why you're canceling a trip.

Choosing the right travel insurance

Each plan should be personalized to meet the insured party's needs. Some travelers prefer to stick to the bare minimum (flight cancellation benefits through the airline). Others want a comprehensive plan with every coverage possible. Before you buy anything, set your destination. Are there any travel restrictions or changes pending? Does your destination country require emergency or other medical coverage?

If the destination airport is known for lost or delayed luggage, travelers should keep important items in carry-ons. Lost or delayed luggage coverage protects insured parties in the event of a significant delay or total loss.

Second, check current credit card travel benefits to avoid redundancies. Savvy travelers don't need to pay for the same coverage twice.

Finally, consider your individual needs. Do you have a chronic medical condition, or do you feel safe with emergency-only medical coverage? Keep in mind, this does not include coverage for cosmetic surgery or other medical tourism. Do you have a budget limit for travel insurance? Asking and answering these important questions will help every traveler find the right product.

Most travel insurance plans are simple, and Business Insider's guide to the best travel insurance companies outlines our top picks. Remember, read your policy and its specifics closely to ensure it includes the items you need coverage for.

No one likes to dwell on how a trip might not go as planned before even leaving. However, at its core, travel insurance provides peace of mind as you go about your trip. While the upfront cost may seem significant, when you compare it to the potential expenses of a canceled flight, emergency evacuation, or a hefty medical bill, it's a small price to pay in the grand scheme of things.

Get Travel Insurance Quotes Online

Protect your trip with the best travel insurance . Compare travel insurance quotes from multiple providers with Squaremouth.

What does travel insurance cover frequently asked questions

Does travel insurance cover trip cancellations due to a pandemic like covid-19.

Coverage for pandemics vary from policy to policy. Some travel insurance companies have specific provisions for pandemic-related cancellations, while others may exclude them entirely.

Are sports injuries covered under travel insurance?

Sports injuries are often covered under travel insurance, but high-risk or adventure sports might require additional coverage or a special policy.

Can travel insurance provide coverage for travel advisories or warnings?

Travel advisories have different effects on your travel insurance depending on your policy. Traveling to a country already under travel advisory may invalidate your coverage, but if you're already traveling when a travel advisory is announced, you may be covered.

How does travel insurance handle emergency medical evacuations?

Travel insurance usually covers the cost of emergency medical evacuations to the nearest suitable medical facility, and sometimes back to your home country, if necessary.

Are lost or stolen passports covered by travel insurance?

Many travel insurance policies provide coverage for the cost of replacing lost or stolen passports during a trip.

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More From Forbes

Planning a vacation here’s your 2024 summer travel insurance guide.

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The joy of a summer vacation. But do you have protection for your trip?

Planning a vacation this summer? Yeah, you and just about everyone else.

More than 9 out of 10 Americans say they'll travel more this year, according to a recent Nationwide Travel Insurance survey . Most of those trips will happen in June, July and August.

Not just that, but 40 percent of the respondents say they'll spend more this year than last year. So how do you protect your vacation investment?

Travel insurance is the standard answer, but what kind of insurance — and how do you find it? That's the question many Americans are wrestling with as they make their travel plans.

Protecting your vacation is a serious concern this summer, experts say.

“Travelers are beefing up their trip protection with security advisory and extraction protection," notes Dan Richards, CEO of The Global Rescue Companies .

It's not just that they're spending more. It's that there's more to lose. The ongoing war in Ukraine, the Hamas attacks on Israel, and other violent conflicts have made travel insurance a key part of trip planning.

This summer may break travel records, experts say.

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Ufc 300 results bonus winners after historic event, ufc 300 results winners and losers from pereira vs hill fight card, it's going to be a busy summer for travel.

Overall policy sales for the 2024 summer travel season are up this year, but there's a spike in sales for policies in August, which is typically the busiest time of the summer. "Sales are up more than 25% over last year," says Stan Sandberg, co-founder of travel insurance site TravelInsurance.com .

Western Europe continues to be the most popular summer destination for Americans, with some notable hotspots. Travel insurance sales for Greece are up over 60% this year compared with 2023, followed by Norway and Portugal, which are up 57% and 52%, respectively, according to Sandberg.

Everyone's travel insurance needs are different, according to the pros.

What should you insure when you travel this summer?

Laura Heidt, the insurance desk manager for Brownell Travel in Birmingham, Ala., says there are some things every travel insurance policy should cover this summer.

"I always recommend people insure for the unexpected, such as flight delays, missed connections and medical coverage while out of the country," she says. "If you are willing to forgo the cancellation and delay coverages, which are typically the most expensive parts of a policy, you should still, absolutely, cover yourself with at least the medical component."

Heidt says she's seen a 10% boost in travel insurance sales for this summer compared with the same time last year, and many people are opting for the pricier "cancel for any reason" policies, which allow you to cancel your trip and receive a partial refund of your prepaid, nonrefundable travel expenses.

Travel insurance companies are seeing a similar trend.

"A majority of travelers choose a comprehensive travel insurance plan which includes coverage for trip cancellation, emergency medical, lost or delayed baggage and delay," explains Tim Dodge, vice president of marketing at Arch RoamRight .

He says this year, travelers are purchasing travel insurance on average within 11 days of their trip deposit to receive the additional benefit of the waiver exclusion for pre-existing conditions.

If you're traveling with kids, you'll need extra travel insurance protection.

Get a policy that's tailored to your needs

Travel insurance comes in all shapes and sizes. So you'll want to try a few on for size before you buy. You can actually do that, since most policies have a "free look" period that makes them fully refundable for the first week or two (depending on the policy).

"It's important to consider your specific travel plans and any potential disruptions in order to protect your investment," says Robert Gallagher, president of the US Travel Insurance Association (USTIA).

He says traditional plans offer coverage for unexpected cancellations, interruptions, delays, emergency medical expenses and lost or delayed baggage. For international travel, USTIA advises opting for a plan with emergency medical and medical evacuation coverage.

It also depends on who you're traveling with. For example, if you're traveling with your children, you'll want to consider a family-friendly priced travel insurance plan. But your destination also matters, says Carol Mueller, vice president at Berkshire Hathaway Travel Protection (BHTP).

"For young families, I typically recommend the ExactCare plan due to its pricing of two children at no additional cost for every one adult on the policy," she says. "However, for families venturing abroad, I’d suggest considering a plan like BHTP's LuxuryCare, which is designed to meet the distinctive needs of a high-investment vacation.”

You have choices when it comes to family coverage. For example, Allianz’s OneTrip Prime plan also includes coverage for kids 17 and younger when traveling with a parent or grandparent.

Medical evacuations can be expensive.

Look beyond travel insurance for extra protection

Mike Hallman, CEO of the air medical transport and travel security program Medjet , says MedjetHorizon memberships are selling briskly. They offer 24/7 security and crisis response, as well as transportation to a hospital at home if you're injured. Travelers are skittish even if they aren't going bungee-jumping.

"With geopolitical tensions still growing — all the riots in France, Italy, Ecuador and other tourist destinations over the last year — and crime causing the threat level to be raised for the Bahamas and Jamaica, it’s no wonder," he adds.

He makes a good point. Travel insurance can cover many of the events you're likely to encounter, such as a missed connection, lost luggage or a medical emergency. But it's also important to know what isn't covered — and to make plans accordingly.

Beware of travel insurance "overconfidence"

The summer travel season is still a few months away, but insurance experts are worried. Yes, they've seen a general uptick in insurance sales, but some travelers remain unprotected.

"We've started to see early signs that travelers are exercising less caution and are slightly less likely to sign up for travel insurance," says Joe Cronin, CEO of International Citizens Insurance .

By comparison, travelers purchased plenty of medical insurance in 2020 and 2021 because of the pandemic. Cronin believes travelers were terrified of getting stuck with COVID-19 in a foreign country without insurance.

"To those who are thinking about traveling internationally without travel insurance, my recommendation is to spend a few minutes looking deeper before deciding," he adds.

Some types of insurance, such as a standalone medical policy, cost just a few dollars a day. A medical evacuation membership is also affordable. And even full-featured travel insurance policies can be cost-effective when you consider the benefits.

"Don’t put your summer travel memories, or your investment, at risk by forgoing the right vacation coverage," says Daniel Durazo, director of communications at Allianz Partners USA . "With international travel peaking during the summer season, an unprotected trip can leave travelers on the hook for costs resulting from an unexpected trip delay or medical emergency abroad."

Bottom line: Seriously consider travel insurance to protect your trip — and don't be overconfident. You never know what might happen this summer.

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