Travel Insurance Covering COVID-19
updated November 24, 2020 with further details and more insurance options
At TDA Global Cycling we organize bicycle tours through more than 80 countries and have participants from around the world. From our experience, we know there is no one travel insurance product that fits every tour, or every participant. In the current COVID-19 pandemic, travel insurance has gotten even more complicated.
To learn more about the process of buying travel insurance, you can read our detailed travel insurance advice here but in this blog post we are focusing on what you need to know about insurance during COVID-19. We will continue to update this blog throughout 2020 and in the first half of 2021 as we learn more about the options available.
COVID-19 Travel Insurance
Finding travel insurance coverage that includes possible COVID-19 health or quarantine costs can be a difficult task. In fact, a few months ago, it was virtually impossible.
Since July of 2020, the situation has been improving. While the current marketplace for travel insurance in relation to COVID-19 remains fluid, it is becoming clear that many insurance companies, after performing a risk analysis, have realized selling travel insurance covering COVID-19 is a profitable venture. For this reason, travel insurance covering COVID-19 medical and quarantine costs is likely here to stay, but as the saying goes, ‘it’s all in the details’, the policy details in this case.
While we recommend researching travel insurance companies in your respective country, for a head start, we have links below to a few travel insurance options that include coverage for COVID-19 and that also cover all or most nationalities. We will keep updating this list as we discover more options.
Here are some places to find COVID-19 travel insurance:
- Care Med (for those up to 64 years of age)
- Nomad Insurance (for those up to 69 years of age – but the maximum coverage limit goes down to $100,000 for people 64-69 years old)
- Trawick International (for those up to 75 years of age)
- Battle Face (for those up to 59 years of age)
Trip Interruption and Cancellation Insurance for COVID-19
It is always important to read the policy to be sure it fits your needs before purchasing. In addition to the travel insurance covering COVID-19 medical and quarantine costs, does the policy include trip cancellation and/or trip interruption insurance? (You can read more about what these are in our general travel insurance blog – Travel Insurance for Cyclists – Everything You Need to Know.)
At this time, we have not seen cancellation insurance that covers you if you decide not to travel, or if it becomes impossible to travel due to a worsening COVID-19 situation at your destination. However, cancellation coverage does now exist in the event that you were to contract COVID-19 before your departure and not be able to travel for that reason. There are also some plans that appear to have some trip interruption coverage – this is insurance covering the non-medical costs of ending your trip prematurely due to COVID-19 – but there are caveats and exceptions, so we can’t stress enough the importance of reading your policy carefully.