In a post-pandemic world, purchasing travel insurance with COVID coverage is no longer optional — it’s essential. Whether you’re planning an international vacation, business trip, or study abroad experience, a good policy protects your investment and your health.
This 2025 guide breaks down the best travel insurance plans that cover COVID-19, what’s included (and excluded), how to compare policies, and why every traveler should consider coverage in the current global climate.
Why COVID-19 Travel Insurance Still Matters in 2025
Despite global vaccination efforts, COVID-19 continues to evolve. Many countries have maintained entry rules, testing requirements, and even quarantine policies in response to new variants.
Travel insurance that includes COVID coverage can protect you from:
- Trip cancellations due to testing positive
- Medical expenses abroad
- Quarantine accommodation costs
- Emergency evacuation due to COVID complications
- Missed connections or travel delays caused by COVID restrictions
Some destinations require proof of COVID insurance as a condition for entry.
What to Look for in a COVID-Inclusive Travel Insurance Plan
When comparing plans, look for these COVID-specific benefits:
| Feature | Why It Matters |
|---|---|
| Trip cancellation for illness | Refunds your trip if you test positive before departure |
| Medical coverage abroad | Covers hospitalization, testing, and medication if infected |
| Quarantine coverage | Reimburses costs if you must isolate abroad |
| Emergency evacuation | Covers air ambulance or transport if seriously ill |
| Cancel for Any Reason (CFAR) | Optional add-on that increases flexibility |
Best Travel Insurance with COVID-19 Coverage (2025)
| Insurance Provider | COVID Medical | Trip Cancellation | Quarantine Expenses | CFAR Option | Best For |
|---|---|---|---|---|---|
| Allianz Travel | ✅ Yes | ✅ Yes | ✅ Yes (with receipts) | ❌ No | Business & international travelers |
| Seven Corners | ✅ Yes | ✅ Yes | ✅ Yes | ✅ Yes | Customizable coverage plans |
| Trawick International | ✅ Yes | ✅ Yes | ✅ Yes | ✅ Yes | International students & long trips |
| Travel Guard (AIG) | ✅ Yes | ✅ Yes | ✅ Yes (with upgrade) | ✅ Yes | Frequent travelers |
| AXA Assistance USA | ✅ Yes | ✅ Yes | ✅ Yes | ❌ No | Vacationers and families |
1. Allianz Travel Insurance
Allianz Travel is one of the most well-known names in travel insurance and includes pandemic-related benefits in many of its plans.
Highlights:
- COVID-19 is treated as any other illness
- Includes trip cancellation, trip interruption, and emergency medical
- No CFAR, but strong basic COVID benefits
- 24/7 travel assistance and multilingual customer support
Why it’s good:
Allianz is ideal for U.S. travelers who want a reliable, brand-name insurer with comprehensive protection on international or domestic trips.
2. Seven Corners Travel Insurance
Seven Corners is known for offering flexible, highly customizable travel insurance, including COVID-specific coverage.
Highlights:
- Covers medical treatment, testing, and quarantine expenses
- Offers CFAR add-on
- Strong options for adventure travelers or large groups
Why it’s good:
Their RoundTrip plans are excellent for travelers worried about changing regulations or trip disruptions due to the pandemic.
3. Trawick International
Trawick was one of the first insurers to offer explicit COVID-19 coverage in 2020 and continues strong in 2025.
Highlights:
- Includes COVID-related quarantine and medical costs
- Meets entry requirements for most international destinations
- Offers plans specifically designed for students and long-term travelers
Why it’s good:
Trawick is especially useful for travelers visiting countries with mandatory COVID insurance rules, like Thailand, Indonesia, or some European nations.
4. Travel Guard by AIG
Travel Guard provides a range of tiered plans, all of which include COVID-19 coverage with optional upgrades.
Highlights:
- Reimburses cancellation due to illness
- Emergency medical and evacuation included
- Quarantine and delay expenses available with mid/high-tier plans
- Optional CFAR upgrade for added flexibility
Why it’s good:
A trusted provider with strong global coverage and optional upgrades for travelers who want extra protection.
5. AXA Assistance USA
AXA Travel Insurance is an international insurer with solid COVID-19 protection.
Highlights:
- Covers COVID medical costs
- Reimburses for trip cancellation and interruption
- Optional add-ons for higher coverage limits
- Responsive claims process and mobile app
Why it’s good:
AXA is a great choice for families and vacationers seeking good coverage at affordable premiums.
Cost of Travel Insurance with COVID-19 Coverage
Pricing varies based on:
- Trip cost and duration
- Destination
- Traveler age
- Optional add-ons like CFAR
Typical Premiums:
- $40–$150 per person for a standard trip
- CFAR add-on: +40%–60% of base plan cost
How to File a COVID-Related Claim
To successfully file a COVID-related claim:
- Document everything — positive test results, medical receipts, hotel bookings, etc.
- Notify the insurer immediately — delays can affect claim processing.
- Use 24/7 travel assistance lines — many insurers help coordinate testing, treatment, or evacuation.
Countries Requiring COVID Travel Insurance (2025)
Although fewer than in 2020–2021, several countries still require proof of insurance that covers COVID-related medical costs and quarantine.
As of 2025, common destinations with ongoing requirements may include:
- Japan
- Chile
- Philippines
- Cambodia
- Some parts of the Middle East and Africa
Always check the U.S. State Department Travel Advisories before booking.
Should You Add Cancel For Any Reason (CFAR)?
If you’re concerned about:
- Catching COVID just before departure
- Family emergencies
- Sudden government restrictions
- Personal reasons for canceling
Then a CFAR upgrade is worth it. It lets you cancel for any reason — including fear of traveling — and still recover up to 75% of non-refundable trip costs.
Final Thoughts
In 2025, COVID coverage in travel insurance is just as important as luggage or your passport. The best policies provide comprehensive protection for cancellations, medical emergencies, and trip interruptions tied to COVID-19.
For frequent or international travelers, plans from Allianz, Seven Corners, and Trawick International offer strong protection with added benefits like quarantine support and CFAR options.
Protect your trip and your health — because in today’s unpredictable world, COVID coverage is no longer optional.
FAQs
Is COVID-19 still covered by travel insurance in 2025?
Yes. Most major providers now include COVID-19 as a covered illness in both trip and medical policies.
Does travel insurance cover hotel costs during COVID quarantine?
Yes — but only certain plans. Look for quarantine reimbursement in the policy details and save your receipts.
Can I get a refund if I cancel due to testing positive for COVID?
Yes — if your policy includes trip cancellation for illness, you can submit proof (e.g., test results) to file a claim.
