Covid-19 travel insurance in 2022: how to choose the best

James Rodriguez James Rodriguez  updated on 2022-06-22

What travel insurance covers Covid-19?

The COVID-19 pandemic has forced insurance companies to modify their policies to offer additional, specific guarantees. Some airlines are also offering special coverage to handle Covid-19-related issues. Find out which are the best travel insurances that deal with Covid-19 and which expenses are covered by these packages.

Insurance companyPricePolicies dealing with Covid-19Our opinion
Manulife Covid-19 travel insurancefrom $23.53
  • Coverage for emergency medical care and expenses incurred as a result of Covid-19 up to $10 000 000
  • Travel interruption insurance in the event of a quarantine
Manulife offers a wide range of products to cover all types of needs
Tugofrom $23.84
  • Emergency medical care covered up to $10 000 000
  • Covid-19 coverage included
Tugo offers some of the best value for money packages for week-long stays
ACS Globe Partnerfrom $20
  • Medical expenses covered up to $200,000
  • AsComprehensivepatriation
  • Covid-19 Coverage Guarantee for an extended stay in hospital 
Comprehensive insurance with different plans to fit all budgets
Assur Travelfrom $16.32  
  • Medical coverage up to $680 000
  • Pandemic assistance in case of inability to return or quarantine
  • Covid-19 cover
  • Repatriation
Assur Travel offers travel insurance that provides maximum coverage for Covid-19 risks
Chapka Cap Assistancefrom $32.63
  • Medical coverage up to $1 400 000
  • Covid-19 cancellation option
  • Covid-19 certificate
  • Extension of stay due to Covid-19
  • Repatriation and assistance
Chapka Covid-19 travel insurance provides comprehensive coverage against the possible consequences of Covid-19
Mondial CarePrices start at $2.54 per day*Hospitalization and medical expenses up to $2 000 000
  • Assistance and repatriation at actual cost
  • Covid-19 coverage
Mondial Care Covid-19 travel insurance offers a variety of plans and options to fit any budget.
    Axafrom $14.84
  • Medical expenses up to $1 350 000 if you are the victim of an accident or illness, before Covid-19
  • Trip cancellation if you are infected with Covid-19 before departure, or if you are placed in quarantine
The levels of coverage are substantial compared to the insurance rate. Axa offers excellent value for money.
    AllianzAverage rate: $72
  • Coverage for Covid-19-related emergency medical care
  • Trip cancellation due to Covid-19-related consequences (if you or a loved one contracts the disease)
  • Coverage for Covid-19-related hospitalization
Allianz Covid-19 travel insurance is a top-of-the-line product that offers very comprehensive services.
    Desjardinsfrom $56.80
  • Coverage of emergency medical expenses related to Covid-19 for stays in countries classified as Level 1, 2 or 3 by the Canadian government
  • Coverage in the event of trip cancellation due to the impact of Covid-19
Desjardins travel insurance is great for seniors because medical questionnaires are only required every 4 years.
  Blue Cross$3.55 per day for a 22-year-old student traveller staying in the United States for 22 days
$7.20 per month for a 35-year-old on a business trip
  • Emergency medical coverage due to Covid-19-related health problems, up to $5 000 000
  • Coverage in the event of trip interruption or cancellation due to Covid-19
Blue Cross offers the best coverage on the market for emergency medical care. The company offers different options to fit multiple profiles.
Sunwing Airlines
The airline offers the Carefree Protection Plan. It is complemented by some promotions allowed by Travel Insurance.
Throughout the year, some promotions allow you to benefit from this insurance free of charge when you make an all-inclusive reservation
Otherwise, prices are an estimate
  • Coverage for health problems related to before. To be eligible, you must have been vaccinated at least 14 days before your trip.
There is no additional cost on top of purchasing a flight, however, the coverage is limited.
    Beneva (formerly La Capitale)from $40
  • Coverage for emergency medical expenses related to Covid-19 if you are travelling to a country for which the Canadian government has issued a Level 1, 2 or 3 warning.
  • Trip cancellation coverage due to Covid-19-related medical conditions
  • Coverage for cancellation or extension of travel due to Covid-19 quarantine
Beneva offers one of the most comprehensive Covid-19 travel insurance packages on the market. In particular, it offers coverage in the event of quarantine.
  Air TransatPrice on demand
  • Coverage of emergency medical care related to Covid-19 provided you are vaccinated
  • Coverage for costs associated with mandatory quarantine
Air Transat offers interesting guarantees, but with strict conditions as its coverage is limited to vaccinated persons.
  RBC InsurancePrice on demand
  • Coverage of emergency medical care due to Covid-19-related health problems for any stay in a country with a warning level between 1 and 3
The company offers several packages suitable for single or multiple trips. Emergency medical expenses can be covered with no limit to the amount of compensation.
    Canada LifePrice on demand
  • Coverage of emergency medical expenses related to Covid-19
  • Trip cancellation coverage if the insured contracts Covid-19
  • Coverage for quarantine following a Covid-19 medical emergency
The Canada Life travel insurance plan is one of the most comprehensive on the market in terms of Covid-19 coverage
Air Canada
The airline offers Covid-19 travel insurance in partnership with Allianz Global Assistance
from $35
  • Trip cancellation coverage if the insured contracts Covid-19 before the scheduled departure
  • Coverage of emergency medical care related to Covid-19
  • Coverage of costs associated with quarantine
Covid-19 Air Canada travel insurance offers the added benefit of multiple complementary services such as travel assistance and expert advice in the event of a problem.
Comparison of the best Covid-19 travel insurance in Canada

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What is Covid-19 travel insurance?

Covid-19 travel insurance covers you from the direct consequences of the pandemic on your travel. Since the beginning of the coronavirus crisis, the conditions of entry have been tightened for many countries. About thirty states worldwide require the presence of a travel insurance certificate mentioning the coverage of events related to the Covid-19.

A traditional insurance package which covered travel abroad was mainly concerned with the coverage of emergency medical care, repatriation in case of illness or accident, hospitalization and death. It is now necessary to add a specific contract, which indicates precisely the guarantees that can be implemented in case of Covid-19 contamination, in the event of quarantine or if one encounters organizational difficulties due to Covid-19, such as flight cancellations, interruption or extension of stay.

Is Covid insurance available through your credit card?

Banks offer certain insurance and assistance services related to travel. To benefit from them, you must pay for your stay with your card. It is often wise to top-up these guarantees with a travel insurance contract to cover anything they miss, especially concerning the problems linked to the Covid-19. Let's take a closer look at the Covid-19 coverages offered by different banks.

CompanyCovid-19-specific coverage
Visa Gold
  • Coverage of emergency medical expenses following Covid-19-related health problems
  • Trip cancellation possible in the event of illness
  • Coverage of transportation and accommodation for a loved one in the event of hospitalization due to Covid-19
  • Coverage of additional lodging in case of extended stay due to a medical decision
  • Death coverage, even if due to Covid-19
  • Covid-19 notation on travel insurance certificate in connection with emergency medical coverage
Mastercard Gold
  • Emergency medical coverage: Covid-19 specific conditions not specifically mentioned
  • Trip cancellation due to illness, including Covid-19
  • Coverage for a family member in case of hospitalization, for any medical reason (accommodation + transportation)
  • Please contact your bank to check if the wording "Covid coverage" appears on your Gold Mastercard insurance policy certificate.
Mastercard World Elite
  • Trip Cancellation coverage for health conditions, including Covid-19
  • Medical and hospitalization Covid-19-related conditions are not specifically covered
  • No mention of "Covid-19 coverage" in the insurance policy
Which banks cover Covid-19?

Please note that you will not have any Covid-19 travel insurance with the Visa Classic or Mastercard Classic.

Even if the bank cards provide certain guarantees in the context of a trip, the following cases are not covered by this type of contract:

  • Trip cancellation due to a quarantine risk
  • Trip cancellation due to a lockdown
  • Trip cancellation due to border closures due to the Covid-19 epidemic
  • Cancellation of travel to an area advised against by the country of departure
  • Costs associated with quarantine
  • Cost of PCR tests required abroad.

To learn more about your credit card travel insurance, check out our guide.

Why take out Covid-19 travel insurance?

In 2022 having Covid-19 travel insurance is strongly recommended, if not mandatory. Many countries require you to have this specific coverage. Even if your destination does not require you to have insurance with Covid-19 coverage, your trip may be affected by rapid changes in the global situation. It is important to be insured against this risk. Due to the growing needs in this field, most insurers have revised their contracts to extend their coverage and offer cover specifically related to Covid-19. This is not yet the case for all banks. The insurance and assistance services they offer are useful, but not always sufficient. The reimbursement limits are often much lower than the amounts covered by full-fledged travel insurance. It is advisable to take out a more comprehensive contract.

Expenses related to hospitalization or quarantine in certain countries can quickly spiral out of control. Let's take the example of a trip to the United States.

Medical expensesAverage cost
Cost of a 6-day hospitalization due to Covid-19 $73 300
Cost of a room in intensive care$9736 per day
Cost of an artificial respirator $2800 per day 
Cost of an ambulance$800
What are the risks of not having Covid-19 insurance?

What does Covid-19 travel insurance cover?

The benefits included in Covid-19 travel insurance may differ slightly depending on your chosen company. The coverage offered may cover the following:

  • Emergency medical care following Covid-19-related health problems up to $10 000 000: be aware that some companies require the insured person to be vaccinated to receive these benefits. Always check the general conditions of a contract. In addition, in some countries, such as Canada, most insurers offer this coverage only if you are staying in a country where the warning level is less than or equal to 3. In other words, if you are going to a country considered risky by your country of origin, it is wise to check whether or not your coverage will apply.
  • Repatriation in case of illness: this decision must be approved in advance by the insurer. It is only accepted in serious cases when it is not possible to provide the necessary care in the country where the patient is staying. The amount covered can reach $80 000.
  • Trip cancellation if you contract Covid-19 before your departure: coverage is subject to a positive PCR test and can amount to approximately $25 000.
  • Trip cancellation if a family member has a severe form of Covid-19. Coverage is up to $25 000.
  • Coverage for mandatory quarantine. Coverage is generally limited to $6000.
  • Early return if a family member contracts a severe form of Covid-19 during your stay
  • Coverage for a companion if you need to be hospitalized during your trip due to Covid-19-related health problems.

Shop around for the best travel insurance with Covid-19 coverage with our free, instant online comparison tool.

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Covid-19 travel insurance: is quarantine covered?

Quarantine may be covered by your Covid-19 travel insurance, under certain conditions. It's important to differentiate between predictable and unexpected quarantine to understand your Covid-19 travel insurance coverage.

Some countries require quarantine upon arrival. This is a quarantine that is indicated before the trip is booked and therefore known at the time of departure. No insurance company insures the costs related to this type of event.

You may be quarantined during your stay after having contracted Covid-19 or being considered a contact case. This is sudden and unforeseeable. Depending on the date and duration of your mandatory isolation, this event may extend your stay and make it impossible for you to return under the conditions initially planned. In this case, if you benefit from this coverage in your Covid-19 travel insurance, you can benefit from the coverage of expenses related to accommodation and the purchase of a new plane ticket for example.

Is Covid-19 travel insurance mandatory?

Covid-19 travel insurance is required in some countries, but not in all. Some countries require proof of travel insurance to cover Covid-19-related health expenses while abroad before entering the country. However, not all governments require the same maximum coverage. The certificate is most often delivered upon subscription online and notifies exactly :

  • the amounts covered by guarantees
  • the conditions of reimbursement
  • the dates of coverage
  • the geographical scope of coverage, etc.

For example, the American continent concentrates most of the states that require this type of guarantee. This is also the case in Asia and Africa. In Europe, only Ukraine is covered by the mandatory Covid-19 travel insurance. You can check whether your destination is one of the territories for which Covid-19 coverage is required.

ContinentCountries requiring Covid-19 travel insurance
AfricaAlgeria, Benin, Cape Verde, Djibouti, Kenya, Mozambique, Namibia, Seychelles, Togo
AmericasAnguilla, Argentina, Aruba, Bermuda, Bolivia, Chile, Cuba, Ecuador (Galapagos), Fiji, Guatemala, St. Martin, Paraguay, El Salvador, Turks and Caicos Islands
AsiaCambodia, China, Indonesia, Israel, Jordan, Malaysia, Maldives, Mongolia, Nepal, Pakistan, Philippines, Oman, Saudi Arabia, Singapore, Thailand, Vietnam
Countries in which Covid-19 travel insurance is mandatory

It is important to note that the requirements for Covid-19 travel insurance differ from country to country. Some will, for example, require minimum coverage limits. Others will require specific coverage such as repatriation.

How much does Covid-19 travel insurance cost in Canada?

Insurance companyCovid-19 coverPrice
  • Emergency medical expenses including those related to Covid-19
  • Travel cancellation in case of quarantine or Covid-19 infection
from $14.84
  • Emergency medical coverage, including Covid-19
  • Trip cancellation due to Covid-19 (if you or a loved one becomes ill)
  • Coverage of hospitalization costs due to Covid-19
from $72
  • Coverage of emergency medical expenses related to Covid-19 for stays in countries classified as level 1, 2 or 3 
  • Trip cancellation coverage as a result of Covid-19
from $56.80
  • Coverage of emergency medical expenses related to Covid-19 for stays in countries classified as level 1, 2 or 3 
  • Trip cancellation coverage as a result of Covid-19
from $23.53
Blue Cross
  • Emergency medical care due to Covid-19-related health problems
  • Trip interruption or cancellation coverage as a result of Covid-19
$3.55 per day for a 22-year-old student traveller staying in the United States for 22 days
$7.20 per month for a 35-year-old on an international business trip of up to 17 days
Price of Covid-19 travel insurance

The price of your Covid-19 travel insurance in Canada depends on several criteria such as

  • The level of coverage desired
  • The duration of the trip
  • The age of the insured
  • The number of travellers
  • The type of trip
  • The insurance company you choose

Find out some sample costs for your policy that covers Covid-19 while travelling abroad.

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How to make a Covid-19 travel cancellation insurance work?

There are several ways in which Covid-19 could force you to cancel a trip.

If you contract the disease before your departure, it is essential to report this event to the insurance company as soon as possible. A positive PCR test result and, in some cases, medical proof of your condition is required.

If one of your loved ones becomes ill with a severe form of Covid-19, you must remember to notify your insurer as soon as you become aware of it. You must then send a medical certificate justifying the state of health of the person concerned. In certain situations, you must also provide evidence of how you are related, like a birth certificate.

If you are hospitalized due to Covid-19 and must cancel your trip, it is necessary to inform the insurance company as soon as possible and to accompany your request with a certificate from the hospital treating you.

In all cases, the insurance company will request your transportation ticket(s) and the corresponding invoice and proof of payment. You will be reimbursed up to the maximum limits outlined in your policy's terms and conditions.

How do I know if my travel medical insurance also covers Covid-19?

The "Covid-19 Coverage" section on your travel insurance policy indicates whether your policy covers you for this type of risk. You can also read and check the terms and conditions of your policy. These contain all the details of your coverage regarding the events covered, the situations covered and the reimbursement limits granted. To be sure that your travel medical insurance covers Covid-19, you can also contact your insurance company directly. A written request, by post or email, makes it easier to keep track of responses and guarantees.

Our tips for choosing your Covid-19 travel insurance

Are you still hesitating before choosing the right Covid-19 travel insurance for you? Which company should you choose? Beyond the price, what guarantees make a difference? Discover our tips to help you make a decision that meets your needs and expectations.

  • Check the insurance requirements of your destination country. Your travel insurance must comply with Covid-19 coverage requirements. These may differ from state to state. It is important to be aware of the minimum Covid-19 coverage required in the jurisdiction where you plan to travel.
  • Compare several offers. Don't limit yourself to one quote. It's a good idea to compare several quotes and rates to choose the Covid-19 travel insurance that best suits your needs. Use a simulator or comparator to make your selection.
  • Read the terms and conditions of the Covid-19 travel insurance before you buy. It is important to check the levels of coverage and the conditions of coverage before you sign up. Don't hesitate to ask questions about the company if there are any unclear points.
  • Look for generous coverage of health expenses. This is the most important benefit. The amount provided for emergency medical care should be appropriate to the costs of healthcare in your country of destination. Depending on the country, this type of cost can be very expensive without insurance.
  • Check the warning levels announced by the Canadian government for the destination you choose. Most Covid-19 travel insurance will only cover you if the country you are visiting is at levels 1, 2 or 3.

Now you know what Covid-19 travel insurance is. You understand why this type of travel insurance is strongly recommended or even mandatory depending on your destination. To plan your trip with peace of mind, compare several travel insurance policies specifically related to Covid-19. Check the coverage levels and reimbursement limits. Select the Covid-19 travel insurance that meets your needs and expectations to ensure a well-insured trip in case of unforeseen events.

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