8 Best Covid-19 Travel Insurance Plans

Editors’ Take

The Worldwide Trip Protector offers a strong balance of trip cancellation, interruption, medical coverage, and evacuation benefits, with Covid-19 treated like any other illness. It also provides robust non-medical evacuation coverage of $150,000 per person and solid protection for delays, with baggage and travel delay benefits starting after just three hours.

Travelers can upgrade with a Cancel For Any Reason (CFAR) option for added flexibility, while hurricane and weather coverage begins after a six-hour delay. Families receive free child coverage and 24/7 emergency assistance for help while traveling abroad.

Drawbacks

One potential drawback of the Worldwide Trip Protector is its $100,000 medical coverage limit per person, which is lower than what many premium competitors provide. This may be enough for some travelers, but those with higher medical risks on international trips might want better coverage.

Another limitation is that pre-existing conditions are only covered if you purchase the plan soon after your initial trip deposit. For travelers with health concerns or more expensive belongings, it’s worth reviewing whether the policy limits align with your needs.

Editors’ Take

Atlas Journey Elevate offers a strong balance of affordability and robust protection, making it one of the more budget-friendly top-rated plans. It offers extensive medical coverage and top-notch evacuation benefits, with coverage limits up to $1 million, ensuring peace of mind during emergencies.

The plan also delivers generous travel delay and baggage benefits, covering up to $2,000 per person after a five-hour delay and $2,500 for lost baggage. Optional upgrades, such as coverage for adventure sports or an “interruption for any reason” add-on, give travelers extra flexibility to match their specific needs.

If you’re seeking reliable coverage without overspending, Atlas Journey Elevate is a standout choice. Its strong medical coverage, generous trip benefits, and upgrade options make it ideal for both casual travelers and those with complex plans.

Drawbacks

Atlas Journey Elevate is budget-friendly, but some of its benefits are less generous than what you’d find with higher-priced plans. For instance, trip cancellation may not include as many covered reasons unless you add optional upgrades, which can increase the cost.

Baggage delay benefits are capped at $500 per person and require a 12-hour waiting period, which may feel restrictive if you’re on a shorter trip or carrying essentials. Similarly, its travel delay coverage, while solid, doesn’t match the higher payouts of premium competitors.

This plan is ideal if you want robust medical and evacuation coverage, even with limited protections for delays and baggage. It’s a practical choice for cost-conscious travelers who don’t need top-tier non-medical benefits.

Editors’ Take

Seven Corners offers strong travel protection with robust medical expense and evacuation coverage, making it a solid choice for travelers seeking comprehensive benefits. Covid-19 is treated like any other illness, so emergency medical treatment and trip interruption coverage apply if you test positive before or during your trip.

The Choice plan includes high limits for medical and evacuation coverage, along with superior travel delay coverage of $2,000 per person. You can upgrade to Cancel For Any Reason (CFAR), which allows you to get part of your prepaid trip costs back if you cancel for reasons not covered by the policy.

Additional benefits include $20,000 in non-medical evacuation coverage and 24/7 emergency assistance for peace of mind while abroad. With flexible plan options, including the lower-cost Basic plan, Seven Corners gives travelers the ability to balance affordability with reliable protection.

Drawbacks

While Seven Corners offers solid Covid-19 coverage, the policy can feel complex, and exclusions may limit reimbursements if you don’t read the fine print. Pre-existing conditions are only covered if you purchase a waiver, which may add to the overall cost.

CFAR upgrades provide valuable flexibility but also raise premiums, which might make the plan less appealing if you’re budget-conscious. Another drawback is that plans vary in Covid-19 protections. It’s essential to check if emergency medical, quarantine expenses, or delays are included.

Additionally, hurricane and weather coverage requires a 48-hour delay before benefits apply, compared to competitors with shorter waiting periods of 6, 12, or 24 hours. Customer reviews vary, with some travelers experiencing smooth claims and others facing delays and requests for additional documentation, leading to an inconsistent claims process.

Editors’ Take

Tin Leg’s Gold plan offers $500,000 in emergency medical coverage per person, giving you higher protection than many standard travel insurance policies. This is especially valuable if you face hospital bills abroad, where expenses can escalate quickly.

In addition to trip cancellation and interruption benefits, the plan provides strong emergency evacuation coverage, an important safeguard when traveling to regions with limited medical facilities. Travel delay coverage also stands out, with a short six-hour waiting period before benefits apply.

Pricing tends to be competitive, making this plan appealing if you want robust core benefits without paying for extras you may not need. Tin Leg Gold offers generous medical limits and Covid-19 coverage, making it a smart choice for international travelers looking for peace of mind.

Drawbacks

The Gold plan falls short in a few areas compared to other top travel insurance policies. Cancel For Any Reason (CFAR) is not automatically included, so you would need to pay extra for that level of flexibility. Customization overall is more limited, which may be a drawback if you want to tailor your policy.

Baggage coverage is another weak spot. While you’re protected against delays and losses, the benefits are lower than some competitors and baggage delay coverage only begins after a 24-hour wait. This may not be ideal if you’re carrying expensive electronics or rely on essentials being replaced quickly.

Finally, the Gold plan tends to be one of the higher-priced options among top-scoring travel insurance plans. If your main concern is solid medical and evacuation coverage, it still offers good value, even with the higher cost and fewer extras.

Editors’ Take

The Travel Guard Deluxe plan offers extensive protection with coverage for trip cancellation, interruption, and medical expenses if you test positive for Covid before or during travel. It also provides $100,000 for security evacuation and up to $1 million for medical evacuation, ensuring strong emergency support for travelers abroad.

Beyond the basics, this plan provides unique perks such as up to $750 for “travel inconveniences,” like delays getting back to your destination, runway issues, or cruise diversions. You receive $1,000 in travel delay coverage after just a five-hour wait, which is shorter than many other plans.

Travelers can further customize the policy with optional upgrades, including Cancel For Any Reason (CFAR), adventure sports, or even pet-related protections. These extras make it a great choice for those seeking comprehensive, flexible coverage and willing to pay a bit more for extra benefits.

Drawbacks

The Travel Guard Deluxe plan offers strong coverage, but its medical expense limit of $100,000 is lower than many top competitors. Some travelers might find this amount sufficient, but those going abroad or needing more coverage should consider paying extra for the medical bundle upgrade.

It’s also not the most budget-friendly option. If you’re planning a short domestic trip or traveling on a tighter budget, you might find the cost harder to justify compared to more basic policies.

Optional add-ons like Cancel For Any Reason (CFAR) provide flexibility but raise the overall price and typically only reimburse part of your non-refundable expenses. Older travelers may find that limited medical coverage decreases the value of this plan, making it more suitable for those who prioritize evacuation benefits and customizable add-ons.

Editors’ Take

John Hancock’s Silver plan offers $100,000 in travel medical coverage, which includes Covid-19 treatment and meets the level most experts recommend for international trips. It also provides generous evacuation benefits, helping protect you from high costs if you need emergency transport to a medical facility abroad.

The policy stands out with strong missed connection benefits of $750 per person after a three-hour delay and travel delay coverage that begins after six hours. It also includes $100,000 per person in accidental death and dismemberment (AD&D) coverage, adding an extra layer of financial protection.

Trip cancellation is included for common issues like illness, injury, or severe weather, and you can add Cancel For Any Reason (CFAR) coverage for more flexibility. Baggage loss and delay benefits may have modest limits, especially for high-value items.

Drawbacks

The Silver plan has a medical expense limit of $100,000, which is acceptable for many travelers but lower than what some premium competitors provide. If you want more robust protection, you may need to look at higher-tier policies.

Cancel For Any Reason (CFAR) coverage is available, but it adds a significant cost and must be purchased within a short window after booking. If you miss that timeframe, you won’t be able to add it later.

Baggage loss and delay coverage also come with caps that may not be enough for travelers carrying electronics, jewelry, or sporting gear. Pre-existing conditions are only covered if you buy the policy soon after your first trip payment. Delaying may leave gaps in your protection.

Editors’ Take

Nationwide’s Cruise Luxury plan goes beyond standard coverage by offering cruise-specific benefits at a reasonable price. You get protection for missed connections and itinerary changes, plus non-medical evacuation coverage of $25,000, features especially useful when sailing.

The plan also provides solid protection for common disruptions, including $1,000 per person for baggage delays and $1,000 per person for travel delays after a 6-hour wait. These benefits help cover added expenses if your luggage or travel schedule doesn’t go as planned.

In addition, you can upgrade to Cancel For Any Reason (CFAR) coverage for extra flexibility if your plans change unexpectedly. With its combination of medical, evacuation, and cruise-tailored perks, this plan is a strong choice for travelers who want peace of mind at sea.

Drawbacks

Nationwide’s Cruise Luxury plan comes with higher premiums than basic travel insurance, but the cruise-specific protections help justify the cost for longer or more expensive trips. Still, budget-conscious travelers may find it less appealing for shorter cruises.

One key limitation is its hurricane and weather coverage. This plan requires a full 24-hour delay before benefits apply, unlike some competitors that offer coverage after just 6 or 12 hours of disruption. For travelers relying on faster reimbursement in the event of storms, this longer waiting period could be restrictive.

Other benefits also carry conditions, such as itinerary change coverage that only applies when the cruise line officially alters the schedule. Without a Cancel For Any Reason (CFAR) upgrade, cancellations are limited to specific reasons listed in the policy, which reduces flexibility if personal circumstances affect your trip.

Editors’ Take

The Ruby plan stands out with strong protections for common travel disruptions. It provides up to $1,000 per person for travel delays, helping cover extra lodging or meals if your trip is pushed back.

You also get good hurricane and weather coverage, which is especially useful if you’re traveling during storm season. For cruise and tour travelers, the plan adds missed connection coverage of $750 per person after just a three-hour delay, offering quick financial relief if your itinerary is thrown off.

Together with its medical and evacuation benefits, Ruby delivers a well-rounded option that’s particularly valuable for travelers who want dependable coverage for delays, severe weather, and missed connections.

Drawbacks

One key limitation of the Ruby plan is that it does not offer a Cancel for Any Reason (CFAR) upgrade, which reduces flexibility if you want broader cancellation options outside of standard covered reasons. This makes it less adaptable compared to competitors that include or allow CFAR as an add-on.

Baggage protections are also on the lower side, with $300 per person for baggage delays and a 12-hour waiting period before benefits apply. Travelers with valuable items or tight schedules may find this insufficient compared to policies with higher limits or shorter wait times.

Overall, while the Ruby plan covers many essentials, its lack of CFAR and modest baggage benefits mean it may not be the best choice if flexibility and higher personal item coverage are priorities.