6 Travel Insurance Options in a Covid World

Things happen when you go abroad. You can go on an adventure, learn a new language, maybe meet the love of your life! But...on the way less fun side, you can also get injured or sick. There are risks to traveling abroad, just like there are risks to anything you do in life. That’s why it’s important to protect yourself with travel insurance—just in case.

Traveling abroad anytime can be scary, but even more so now with Covid spreading across the globe. By finding the right travel insurance, you can worry a little less about what will happen if you get sick, or about how you’ll cover the costs if it does happen.

In the worst case scenario, you’ll be glad you have travel insurance in your back pocket.

It’s especially important right now to find travel insurance during the pandemic so that you’re not left footing costly hospital, transportation, or cancellation fees when the unexpected happens.

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What should my policy cover if I travel during COVID-19?

Travel insurance policies and their various tiers cover different things, from flight cancellations to theft and lost items, emergency medical care, and more. Each plan comes with different benefits and stipulations, so you have to make sure to read the fine print and find the right package for you and your travel plans.

However, Covid-19 has created a travel landscape like we haven’t seen in our generation, and there’s probably more risks involved in your travel plans (especially health-wise) than pre-Covid. It’s important to find travel insurance options during Covid-19 that cover pandemic-related risks and expenses, in addition to usual travel insurance coverage.

When looking for travel insurance that covers coronavirus, look out for coverage on:

• Testing
• Hospitalization
• Emergency evacuation
• Trip cancellation or interruption

Check out a lineup of some of your travel insurance options during Covid below!

6 travel insurance options during Covid-19

1. MedJet

• Why? There are many different subscription plans with MedJet so you can personalize the plan depending on your travels, age, and more. Although not a traditional travel insurance option, MedJet covers medical, legal, and special services related to medical transportation to your hospital of choice. They are currently helping with transportation related to COVID-19 hospitalizations.
• Price: Find their complete list of plans and prices at their website.
• Learn more

2. Trawick International

• Why? Trawick International has a variety of plans for study abroad and other travel, including different medical and trip protection plans. The basic plans include medical, accidents, and evacuation expenses. Coronavirus cases will be treated the same as any other sickness under their plans, which includes coverage for trip cancellations in case you get coronavirus before traveling.
• Price: Receive your quote through their website.
• Learn more

3. World Nomads

• Why? World Nomads is a popular travel insurance company that covers trip protection, emergency medical insurance, emergency evacuation, and your gear. In addition, they cover many activities beyond other travel insurance plans, with the opportunity to upgrade to a more comprehensive plan for adventurous travelers. Their plans do not cover trips that have been canceled out of a fear of travel, but they cover cases in which you or a family member becomes sick.
• Price: Prices vary; you can get an accurate quote on their website.
• Learn more

4. SafetyWing Nomad Insurance

• Why? SafetyWing Nomad Insurance covers emergency medical and dental care and trip interruptions, delays, lost luggage (except for electronics), and evacuations. You can sign up for Nomad Insurance anytime, even if your trip has already started, and it covers short trips to your home country. Their plan covers testing for COVID-19. Treatment for coronavirus falls under the normal medical treatment requirements.
• Price: Coverage costs about $40 every four weeks (28 days) for ages up to 39.
• Learn more

5. Chapka Assurances

• Why? Chapka Assurances offers many different plans to personalize your experience and your needs depending on the type of travel you are doing. Insurance policies include medical and dental care and luggage insurance. COVID-19 specific coverage includes medical and hospitalization fees; however, your destination/trip cannot be forbidden by your country’s health ministry or the WHO. Trip cancellation fees are covered under some policies.
• Price: Prices vary depending on the plan and your nationality. Note: Americans are not eligible for Chapka Insurance plans.
• Learn more

6. TravelSafe Insurance

• Why? TravelSafe Insurance offers plans that cover American citizens on domestic and international trips. Their plans include coverage for travel protection, medical and dental, and personal belongings. COVID-19 is treated like any other medical concern with TravelSafe and they have an extensive FAQ regarding coronavirus on their website.
• Price: You can use your trip information to get a personalized quote online.
• Learn more

Explore our Covid Travel Resource Hub on GoAbroad.com

How do I choose the right provider for me?

Hint: Choosing a provider that covers costs associated with Covid is important.

Choosing the right insurance plan can be overwhelming if you don’t know what you’re looking for. It’s important to make a list of priorities and understand what kind of traveler you are and what risks you will be taking to help you find the right plan.

Below are some of the points you can use that can help you compare travel insurance plans, but it’s important to remember that anything can happen—so it’s always better to be safe than sorry.

• Price. How much am I willing/able to pay?
• Coverage. Which aspects are most important for me? Do I want my personal belongings covered too, or is that less important?
• Trip cancellation/changes. This aspect is now more important due to constant changes in border restrictions and the spread of Covid
• Eligibility. Make sure you are in the eligible age range, purpose, etc. for the particular plan you’re interested in.
• Trip length. Some plans are geared toward shorter trips, while others will cover you long-term.
• Purpose. Some companies have plans specific to study abroad programs or plans that will cover more unconventional or “extreme” activities.
• Coronavirus coverage. Make sure you find a travel insurance option that covers COVID-19 incidents. Coverage can vary, so make sure you are comfortable with what they offer.

More articles to check out:

• Health Insurance Abroad: The Complete Guide
• 4 Important Medical Insurance FAQs

Travel insurance is more important now than ever before

Travel insurance has and will always be important to anyone going abroad. You never know when something is going to happen, and you don’t want to be stuck paying out of pocket for huge medical bills, a broken laptop, or changing your plans due to a pandemic. Deciding to travel abroad right now is a big step and has many risks, but you can save yourself some energy by finding the right travel insurance that covers coronavirus for you and your plans.

Browse ALL Your Travel Insurance Options on GoAbroad.com

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