No matter how well you prepare, travel plans don’t always go as planned. Some travelers purchase travel insurance to protect their investment in prepaid travel expenses.Exploring travel amid the ongoing pandemic Insurance to cover COVID-19 is recommended. With the right policies in place, you can protect yourself if you need to cancel your trip or end early due to illness. Many insurance companies offer travel insurance with this type of coverage.
Here is our shortlist of the best travel insurance for COVID options.
Factors to Consider When Choosing a Travel Insurance Company
We used the following factors to select insurance companies and highlighted them in our list of the best travel insurance for COVID.
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Scope of application: We looked at how many plans each company offers with COVID-19 coverage and the range of plans available.
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Depth of coverage: We’ve compared trip cancellation and trip interruption billing limits across carriers and plans.
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Medical benefits: We investigated whether plans included emergency medical benefits due to COVID-19 and whether plans included medical evacuation and repatriation benefits.
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price: By examining the basic coverage costs of plans that include COVID-19 benefits from multiple companies, we determined the average cost for shoppers to benchmark plan prices.
Overview of the best travel insurance for COVID
I checked quotes from various companies for a 6 night trip to Croatia in May 2023. The traveler is from Texas, she is 30 and was planning to spend her $1,500 on the trip, including airfare.
On average, the price of the most basic coverage plan with COVID-19 coverage for each company was $47.22. The prices listed below are the most basic COVID-19 travel insurance coverage. All insurance companies offer multiple COVID-19 policies, with more coverage costing more.
Berkshire Hathaway Travel Protection |
Athletes on the road; Includes limited sports and activity coverage. |
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For budget travelers looking to save money on travel, the most basic plans do not include medical benefits for COVID-19. |
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John Hancock Insurance Agent |
Travelers who want a solid basic travel insurance plan with COVID-19 coverage. |
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Travelers who want affordable COVID-19 travel insurance without medical deductions. |
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Adventure Travelers; adventure travel policies are available that include COVID-19 coverage. |
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Overseas travel insurance |
Athletes on the road; Includes limited sports and activity coverage. |
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Travelex Insurance Service |
Budget travelers looking for affordable COVID-19 coverage. |
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Traveling athletes and adventure travelers. Includes loss benefits for sports, activities and sporting equipment. |
Traveling athletes and adventure travelers. Includes loss benefits for sports, activities and sporting equipment.
Top travel insurance for COVID options
Let’s take a closer look at our eight recommendations for travel insurance with COVID coverage.
Berkshire Hathaway Travel Protection
![](https://www.nerdwallet.com/assets/blog/wp-content/uploads/2023/02/Berkshire-Hathaway-480x157.png)
Benefits of Berkshire Hathaway Travel Protection:
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Some plans allow policyholders to cancel due to COVID-19 illness as part of their travel cancellation and travel disruption insurance benefits.
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Some plans include COVID-19 medical insurance benefits.
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These plans include medical evacuation benefits.
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Plans include limited sports and activity coverage and lost sports equipment benefits.
Basic Berkshire Hathaway Travel Protection costs $50 for its most basic COVID-19 travel insurance option, the ExactCare Value policy.
image
![](https://www.nerdwallet.com/assets/blog/wp-content/uploads/2023/02/IMG-320x193.png)
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Many plans include COVID-19 cancellation benefits.
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Most of these plans also include COVID-19 medical benefits (not included in the Travel Essentials plan).
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Medical evacuation coverage is available for some plans.
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Adventure travel coverage is available for an additional fee.
IMG is a good option for those on a budget. Its Travel Essentials plan is over $10 cheaper than the average based on comparison.
John Hancock Insurance Agent
![](https://www.nerdwallet.com/assets/blog/wp-content/uploads/2023/02/John-Hancock-480x249.png)
Advantages of John Hancock Insurance Agency:
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Several plans offer COVID-19 cancellation benefits as part of the included trip disruption and trip cancellation coverage.
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These plans provide COVID-19 medical benefits.
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Medical Evacuation Coverage is included in all COVID-19 Coverage Plans.
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The John Hancock Insurance Agency, Inc. Basic Plan (Bronze) is $56.
seven corners
![](https://www.nerdwallet.com/assets/blog/wp-content/uploads/2023/02/Seven-Corners-320x173.png)
What makes Seven Corners great:
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Several plans offer COVID-19 cancellation benefits as part of the included trip disruption and trip cancellation coverage.
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These plans include COVID-19 medical benefits and evacuation and repatriation benefits.
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There are no medical deductions.
The Seven Corners Croatia Travel Basic Coverage Plan (RoundTrip Basic) is $44.
Travelex Insurance Service
![](https://www.nerdwallet.com/assets/blog/wp-content/uploads/2023/02/TravelEx-480x142.png)
Benefits of Travelex Insurance Services:
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Several plans include Covid-19 Sickness Cover, which refunds prepaid and non-refundable travel payments if travel is canceled or interrupted due to the traveler contracting the virus.
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These plans also include COVID-19 medical benefits.
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Includes medical evacuation and repatriation benefits.
Travelex Insurance Services’ Travel Basic charge is $44 for our sample trip, which is slightly below average.
Overseas travel insurance
![](https://www.nerdwallet.com/assets/blog/wp-content/uploads/2023/02/Travel-Insured-Intl-480x275.png)
What makes Travel Insured International great:
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Several plans cover COVID-19 cancellation benefits as part of the included trip disruption and trip cancellation coverage.
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These plans also include COVID-19 medical benefits, including medical evacuation.
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Plans with COVID-19 coverage include limited sports and activity coverage.
Travel Insured International’s base coverage (Worldwide Trip Protector Edge) starts at $55. This is only a few dollars more than the average base premium.
tin leg
![](https://www.nerdwallet.com/assets/blog/wp-content/uploads/2023/02/Tin-Leg-320x90.png)
What makes Tin Legs great:
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Various plans offer COVID-19 cancellation benefits as part of the included trip disruption and trip cancellation coverage.
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All of these plans also include COVID-19 medical benefits.
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All of these include medical evacuation benefits.
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Adventure travel policies are available.
Another plus: Tin Leg’s basic coverage plan (Basic) for travel to Croatia costs $48.85, which is close to the average price of the insurance we covered.
world trip
![](https://www.nerdwallet.com/assets/blog/wp-content/uploads/2023/02/WorldTrips-480x178.png)
What makes WorldTrips great:
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Some plans allow policyholders to cancel due to COVID-19 illness as part of their travel cancellation and travel disruption insurance benefits.
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Some plans include medical insurance for COVID-19.
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Includes medical evacuation and repatriation benefits.
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Sports and activities, including loss of sports equipment.
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Coverage may be extended for up to 30 days, including for medical quarantine purposes.
WorldTrips’ most affordable plan covering COVID-19 (Atlas Journey Economy) starts at $44, making it a low-cost option.
Additional Resources for COVID-19 Travel Insurance Buyers
Want to learn more about travel insurance before spending money on insurance? Check out these resources.
How to maximize your reward
You want a travel credit card that prioritizes what’s important to you. Here are our picks Best travel credit card for 2023.including best suited for: