Travel Insurance for COVID-19 Coverage

Imagine this: you are finally on your dream vacation and having a great time. However, if you suddenly test positive for COVID-19, you might face a financial burden while getting treated in a foreign country.  In such a scenario, Travel insurance with COVID-19 coverage will be helpful. With over 294,000 COVID-19 cases reported globally in 2025, the threat of infection while travelling remains very real. That’s why travel insurance with COVID-19 coverage is no longer a luxury—it’s a necessity. Whether you're exploring the savannahs of South Africa or the snowy peaks of Switzerland, getting a COVID-specific travel insurance could safeguard your health, finances, and travel plans.
 

Contents

• What is Travel Insurance for COVID-19 Coverage?
• Why Having Travel Insurance with COVID-19 Coverage is Necessary?
  • 1. Offers Protection Against Unexpected Medical Expenses
  • 2. Provides a Refund for Trip Cancellation
  • 3. Covers Emergency Medical Evacuation Costs
  • 4. Pays for Mandatory Quarantine Costs
• What to Look for in Travel Insurance with COVID-19 Coverage?
• What is the Cost of Travel Insurance with COVID-19 Coverage?
• What are the Types of Travel Insurance for COVID-19 coverage?
• Tips to Choose the Best Travel Insurance for COVID-19 Coverage
• Final Thoughts
• Frequently Asked Questions

What is Travel Insurance for COVID-19 Coverage?

Travel insurance for COVID-19 coverage is a policy that protects travellers from expenses related to COVID-19. This includes trip cancellations, medical treatment, quarantine costs, and emergency evacuations due to testing positive during travel.

Why Having Travel Insurance with COVID-19 Coverage is Necessary?

A travel insurance plan with Covid-19 coverage can range between ₹1000 to ₹1400, with different terms and conditions applicable. So, before purchasing such a plan, let us look at the reasons why you need a travel insurance with COVID-19 coverage:

1. Offers Protection Against Unexpected Medical Expenses

The best thing about travel insurance with COVID-19 coverage is that it covers all kinds of medical emergencies and is not limited to a specific disease. In fact, the best travel insurance for COVID-19 coverage includes sudden injuries, OPD expenses, accidents and physiotherapy expenses as well.

2. Provides a Refund for Trip Cancellation

In case your scheduled trip gets cancelled due to COVID-19-related reasons, a reliable insurance provider will reimburse you as per policy terms.

3. Covers Emergency Medical Evacuation Costs

It is possible that while you are at your travel destination, a surge in COVID cases occurs. Suddenly, the host country requests tourists to evacuate. Based on the policy coverage, your insurer will cover the air or land transportation expense.

4. Pays for Mandatory Quarantine Costs

Many countries require travellers to quarantine if they test positive. Travel insurance for COVID-19 coverage can help pay for extended hotel stays, food, and basic essentials during isolation.

Planning to travel abroad soon? Get an ACKO Travel Plan with COVID-19 coverage and safeguard your finances.

What to Look for in Travel Insurance with COVID-19 Coverage?

Before purchasing any international travel insurance, you need to look at whether your policy covers the following:

1.Hospitalisation or emergency medical care costs if a policyholder is COVID-19 positive.

2.Quarantine expenses such as hotels, meals and so on.

3.Trip rescheduling options in case of an unexpected lockdown.

4.Availability of repatriation or emergency evacuation.

5.If the policy covers expenses incurred in case of an extended stay because of the curfew.

What is the Cost of Travel Insurance with COVID-19 Coverage?

The cost of a travel insurance plan depends on factors such as the age of the policyholder, travel destination and number of members under a policy. The average cost of travel insurance with COVID-19 coverage is approximately 4%- 10% of your total trip amount.

What are the Types of Travel Insurance for COVID-19 coverage?

There are no specific types of travel insurance for COVID-19 coverage. However, the following are the different types of travel insurance plans where COVID-19 coverage gets included:

1. International Travel Insurance: For travelling internationally.

2. Domestic Travel Insurance: To travel within the country.

3. Family Travel Insurance: Travelling with spouse, children and seniors.

4. Group Travel Insurance: Perfect for group travellers.

5. Single Trip Insurance: For individuals taking a one-time journey.

6. Multi-trip Travel Insurance: Appropriate for frequent fliers.

Tips to Choose the Best Travel Insurance for COVID-19 Coverage

Follow these tips in order to choose the best travel insurance plan with COVID cover:

1. Compare the sum insured amount of different insurers, as it refers to the maximum coverage amount.

2. Check the range of coverage. See whether these align with your personal needs or not, as the coverage terms vary from one insurer to another.

3. Choosing an insurer with a simple claim settlement procedure is better. Also, check the insurer's Turnaround Time (TAT) for settling a claim to get an idea of how fast your claim will be settled.

Final Thoughts

Life is unpredictable, and thus it is always best to be prepared. The travel insurance for COVID-19 coverage enables you to do just that. So, you can have peace of mind while on your trip. However, before finalising a plan, it is necessary to have clarity about your personal preferences. Having the right policy with wider coverage is much more important than having a cheaper policy with limited coverage. Moreover, choosing a reliable insurer that has a high claim settlement ratio and positive reviews online is the smartest move.

Frequently Asked Questions

What is the Cheapest Travel Insurance for COVID-19 Coverage?

The cheapest travel insurance with COVID-19 coverage depends on your trip duration, policy coverage amount, age of traveller and travel destination. Compare quotes from different insurers to get the best price.

Which Type of Insurance is Best for Travelling?

It is hard to say as it depends on your requirements. There are multiple types to choose from, such as domestic, international, group travel insurance, single-trip, multi-trip and travel insurance for senior citizens.

Will Travel Insurance Policies Still Cover COVID-19 in 2025?

Yes, most of the insurers in India still offer COVID-19 coverage in 2025. The coverage however depends on the destination and policy type. If you are looking for one such policy,  you need to ask your insurer.

Does COVID-19 Coverage Get Automatically Included in a Travel Insurance?

No, that is not always the case. It varies from one insurer to another. Some policies have this coverage by default, and for some, you need to customise and choose a plan that offers COVID-19 coverage.

Do I Need Travel Insurance for a 2-Day Short Trip?

Yes, getting travel insurance for even a 2-day short trip is worth it. Travel insurance does more than only prepare you for an unforeseen scenario, it protects your foreign adventure and offers you mental peace.

Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on several secondary sources on the internet, and is subject to changes. Please check the policy document for cancelation reasons, and terms and conditions of the policy.

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