Photo © Getty/Jordan Siemens Digital Vision

Understanding Travel Insurance Coverage for COVID-19

How World Nomads' plans cover Americans against COVID-19 while they travel.

Get a price

As featured in:

As featured in:

For information relating to policies purchased prior to October 2 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 2 2024, please see below.

With coronavirus (COVID-19) outbreaks around the world, it’s more important than ever to get trip protection even when vaccine rollouts are underway.

Does my travel insurance cover COVID-19?

World Nomads plans include benefits that support you should you unexpectedly get sick while traveling. Our medical coverage includes benefits for serious illnesses, such as COVID-19, or being placed under strict quarantine by a physician, among other scenarios.

**All information we provided here is a brief summary. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the plans described. Please carefully read your state specific plan documents for a full description of coverage. Travel insurance is included as part of your travel protection plan which contains both insurance benefits and non-insurance assistance services. Material included on this page does not represent, nor is it specific to, United States Fire Insurance Company or travel insurance benefits provided on United States Fire Insurance Company’s travel protection plans.

FAQ

Here are our most frequently asked questions about buying travel insurance for COVID-19. You can also find the answers to other questions in our Help Center or you can contact us.

Is COVID-19 covered in my travel insurance plan?
World Nomads travel insurance policies may provide coverage for specified benefits if you are unable to travel due to COVID-19.

These benefits may include emergency medical care, emergency medical evacuation, trip delay and trip interruption coverage if you contract COVID-19 while traveling and a doctor certifies you are too sick to travel.

You may also be eligible for trip cancellation coverage for pre-paid non-refundable travel expenses (such as flights, hotels and excursions) if you, your travel companion, a close family member or business partner are too sick or injured for you to leave on your trip, as certified by a physician.

You may also be eligible for trip cancellation if your host at your scheduled destination is unable to provide accommodation for you due to life-threatening illness, as certified by their doctor, or if they pass away. This can be due to COVID-19 or any other medical issue.

How can the World Nomad’s Travel Insurance Plan help if I'm concerned about traveling because of COVID-19?
A ‘fear of travel’ is not considered a covered reason for cancelling a trip, or interrupting/delaying it. However, if you are concerned you may want to cancel the trip (for any reason at all), you may want to consider purchasing the optional “cancel for any reason” benefit. This allows you to cancel your plans and be refunded (up to plan limits) for those non-refundable, unused trip costs. This benefit can only be added onto Explorer or Epic plans, and you must purchase it within the time sensitive period.

If I want to cancel my trip because I’m afraid of exposure to COVID-19, does my travel insurance plan cover that?
The “Cancel for Any Reason” benefit would cover a fear of getting COVID-19, however this benefit is at an additional cost and can only be added to an Explorer or Epic plan during the time sensitive period. If added, you could be eligible for a partial refund of non-refundable costs, depending on the plan you purchased. Note that this benefit must be added within 7 days of purchasing your flights or putting any money down on your trip. The “Trip cancellation” benefit does not cover a fear of travel.

If I rebook my trip for a later date, will my original travel insurance plan cover the rebooked trip dates?
If you postpone your trip, your current travel insurance plan may extend to your new trip dates provided:
- The new trip dates are no more than 12 months from your original trip dates and no more than 24 months from your original purchase date.
- Additional costs, if required based on the new or postponed trip, will be collected. Plan costs will not be reduced or refunded for coverage for the new or postponed trip.

What if my flight is delayed or cancelled by the airline?
If your flight is delayed or cancelled, Trip Interruption and Trip Delay benefits may be available. Please check your specific travel protection plan for terms and conditions. Time restrictions may apply. Also, please check with your travel provider to determine your options.

If I become ill with COVID-19, am I covered?
If you become ill with COVID-19 prior to your departure and after the effective date of your plan, you may be eligible for Trip Cancellation coverage. These claims will require a confirmed diagnosis from a physician with proof of illness that states you are medically unable to travel at the time of departure.

If you become sick with COVID-19 while on your trip, you may be covered for medical costs if you need to see a doctor or get treatment. You could be eligible for Trip Interruption benefits if a doctor confirms you are unfit to continue traveling. Please review your specific plan for the details and limits of such coverage.

INFORMATION YOU NEED TO KNOW

This advertisement contains highlights of the plans developed by Trip Mate, a Generali Global Assistance & Insurance Services brand, which include travel insurance coverages underwritten by United States Fire Insurance Company, Principal Office located in Morristown, New Jersey, under form series T7000 et al, T210 et al and TP-401 et al and non-insurance Travel Assistance Services provided by Generali Global Assistance, FootprintlD®, Blue Ribbon Bags, and Runway Health. The terms of insurance coverages in the plans may vary by jurisdiction and not all insurance coverages are available in all jurisdictions. Insurance coverages in these plans are subject to terms, limitations and exclusions including an exclusion for pre-existing medical conditions. In most states, your travel retailer is not a licensed insurance producer/agent and is not qualified or authorized to answer technical questions about the terms, benefits, exclusions and conditions of the insurance offered or to evaluate the adequacy of your existing insurance coverage. Your travel retailer may be compensated for the purchase of a plan and may provide general information about the plans offered, including a description of the coverage and price. The purchase of travel insurance is not required in order to purchase any other product or service from your travel retailer. CA DOI toll free number is 800-927-4357. The cost of your plan is for the entire plan, which consists of both insurance and non-insurance components. Individuals looking to obtain additional information regarding the features and pricing of each travel plan component, please contact Trip Mate, a Generali Global Assistance & Insurance Services brand; we are licensed in all states; P.O. Box 527, Hazelwood, MO 63042; 1-844-207-1930; assistancefees@tripmate.com. While Trip Mate markets the travel insurance in these plans on behalf of USF, non-insurance components of the plans were added to the plans by Trip Mate and Trip Mate does not receive compensation from USF for providing the non-insurance components of the plans.