Many travel insurance plans now treat COVID-19 like any other illness, covering emergency medical care abroad and trip cancellation if you get sick before or during your trip. Coverage varies, so confirm before buying.
Varies by Plan
By the Home & Dime Editorial Team · Updated 2026
Often covered
- Emergency medical treatment if you catch COVID abroad.
- Trip cancellation if you test positive and can’t travel.
Often not covered
- Cancelling out of fear of COVID (needs CFAR).
- Travel-advisory cancellations.
Common exclusions
- Cancelling due to fear (without CFAR)
- Border closures and advisories
- Quarantine costs (unless specified)
Tips
- Read the COVID clause before buying.
- Consider CFAR for maximum flexibility.
- Keep test results and documentation.
Frequently asked questions
Is COVID medical care covered abroad?
Usually yes, as an illness.
Can I cancel if I’m afraid to travel?
Only with Cancel For Any Reason.
Related guides
Sources: Insurance Information Institute (iii.org); Consumer Financial Protection Bureau; FEMA; state Departments of Insurance. General information, not insurance advice.
Part of our Travel Insurance guide
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