Travel Insurance provides coverage against financial losses such as flight delays and luggage loss. This insurance covers various risks while traveling. If you plan to take a trip in 2023, you might want Covid travel insurance. However, choosing the best covid-19 travel insurance can be challenging with multiple policy options.
In this article, the policies of each company for trip cancellation, medical assistance, COVID testing, quarantine, etc., are detailed.
Six Best Covid-19 Travel Insurance For 2023
Let us dive into the best international travel insurance that covers Covid-19. Though Heymondo was the first international travel insurance covering Covid-related claims, other insurance companies included clauses in their policies to address coronavirus quickly. Having Covid-19 travel insurance is now a mandatory entry requirement in several destinations.
Below are the six best COVID travel insurance companies:
- Heymondo, the best Covid-19 travel insurance for 2023
- IMG, the best customizable travel insurance for Covid-19
- SafetyWing, one of the cheapest Covid travel insurance plans
- World Nomads, another international travel insurance that covers Covid
- Travelex, another travel insurance that covers COVID testing and quarantine
- Tin Leg, a cheap covid-19 travel insurance
More Details on Covid-19 Travel Insurance
Consider that though many standard travel insurance companies currently offer COVID coverage, it is essential to double-check that you’ll be covered for COVID-19 if any problems arise. International travel insurance that covers Covid-19 may or may not meet the entry requirements some countries have, based on the provider.
1. Heymondo
Heymondo is the best travel insurance for COVID at high coverage and low price. It is the cheapest Covid-19 travel insurance, and all the plan options cover coronavirus-related medical expenses, including COVID testing, treatment, and quarantine.
Heymondo’s COVID coverage does not make users pay for medical expenses upfront and request reimbursement. If one needs medical assistance, they can contact Heymondo through the 24/7 customer support app, and they will find a covered nearby hospital.
Advantages
- Cheapest travel insurance plan
- No deductibles
- High medical coverage
- Covers COVID testing and treatment
- Covers quarantine & up to Level 4 Travel Advisories
- Medical expenses are paid upfront
- 24-hour emergency assistance
- Users can buy a policy even if they are already abroad
Disadvantages
- This plan has no notable shortcomings
2. SafetyWing
SafetyWing is one of the cheapest Covid-19 travel insurance plans for worldwide travelers. However, note that there is a $250 deductible for most policies. Any resident outside of Cuba, Iran, and North Korea can enroll in a SafetyWing policy, and users can buy a plan even if they are already abroad.
SafetyWing’s COVID coverage works just as it would for any other illness, but only if the user didn’t contract the virus before the coverage start date. It is a disadvantage compared to Heymondo’s Covid-19 travel insurance since Heymondo covers users no matter when they contract the virus as long as they show symptoms during the trip. SafetyWing only covers up to 10 days of quarantine ($50/day) if the user’s policy is 28 days or longer.
Advantages
- Very affordable
- High medical coverage
- Covers COVID testing and treatment
- Quarantine coverage may apply
- Users can buy a policy even if they are already abroad
Disadvantages
- Most plans have a deductible
- Only covers Covid treatment if a user can prove that they contracted the virus during the trip
- The user has to pay the medical expenses upfront and make a claim to get a reimbursement after the trip
3. IMG
IMG provides various policy options, but if you want international travel insurance that covers COVID-19, note that their cheapest plans only cover coronavirus in destinations that don’t have a Travel Warning.
The only plan that covers COVID-19, like any other illness, regardless of the user destination’s Travel Warning, is the iTravelInsured plan, and only if they contracted the virus after the effective date, which means that the user should be diagnosed after 14 days of being abroad.
An advantage of IMG is that most plans are customizable, with different deductibles and coverage limits. Users can select a policy of up to $1,000,000 for a higher price.
On the downside, most plans do not cover COVID testing, quarantine, early return, or trip cancellation due to coronavirus.
Advantages
- Good rates
- Variety of plans
- Maximum limits up to $1,000,000
Disadvantages
- Most plans don’t cover several COVID-related events
- COVID medical benefits depending on the user’s plan
- COVID coverage is only available for countries without a Travel Advisory
- Only covers Covid treatment if the user can prove that they contracted the virus during the trip
- The user will need to pay the medical expenses upfront and make a claim to get a reimbursement after the trip
4. World Nomads
World Nomads provides international travel insurance that covers Covid-19 but only for American and Canadian tourists. Also, the policy parameters are not always easy to understand, as several plans state that “you could receive benefits” for losses caused by COVID.
Moreover, this Covid-19 travel insurance includes travel delays if the user’s flight is delayed at least six hours due to border closures, travel bans, or mandatory quarantine restrictions. However, there is no coverage for countries with a travel ban.
Advantages
- No deductibles
- Covers over 200 adventure activities
Disadvantages
- Not the highest medical coverage, but the most expensive plan
- Global Covid coverage is only for American & Canadian tourists
- Only covers Covid treatment if a user can prove that they contracted the virus during the trip
- Policies vary in COVID coverage depending on the Travel Advisory Level of the user’s destination
- User has to pay their medical expenses upfront and make a claim to get a reimbursement after the trip
5. Travelex
Travelex has two international travel insurance plans covering COVID-19: Basic and Select. Both policies consists 24/7 travel, emergency assistance and no deductibles.
Travelex’s Covid travel insurance benefits cover medical testing and treatment if the user or the user’s travel companion tests positive for the virus. Accommodation expenses because of medical quarantine at user’s destination are also covered.
Also, if user reschedules the trip due to COVID-19, they may be able to choose new travel dates or request a refund for the policy cost. However, Travelex will not cover an early return flight because of border closures or if a new travel advisory prevents the user from reaching their destination.
Moreover, the coverage limits for emergency medical costs are pretty low compared to Heymondo and other companies, and they don’t pay medical expenses in advance.
Advantages
- No deductibles
- Covers COVID treatment & quarantine
- 24-hour emergency assistance
- Solid reputation
Disadvantages
- Lower coverage limits
- A bit pricey
- Only covers Covid treatment if a user can prove that they contracted the virus during their trip
- The user won’t be covered if a new travel advisory prevents them from reaching the destination
- User has to pay their medical expenses upfront and make a claim to get a reimbursement after the trip
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6. Tin Leg
Tin Leg provides several Covid-19 travel insurance plans with comprehensive coverage, including Trip Cancellation and Interruption benefits. The company offers various plans, including policies for adventure travelers and USA-only coverage.
The Tin Leg Standard plan includes 100% of the insured trip cost in case of trip cancellation. Under these Trip Cancellation and Interruption benefits, user can cancel their trip for medical reasons, including a COVID-19 diagnosis. The medical coverage is noticeably lesser than other companies, including Heymondo.
Advantages
- No deductibles
- Covers COVID treatment & quarantine
- 24-hour emergency assistance
Disadvantages
- Lower coverage limits
- Only covers Covid treatment if a user can prove that they contracted the virus during the trip
- Only cancel for any reason upgrade will cover cancellation due to travel advisories
- Users will need to pay their medical expenses upfront and make a claim to get a reimbursement after the trip
