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Covid travel insurance with Quarantine coverage for US travelers

US citizens and US residents traveling both within the US or overseas should ensure that they have proper travel insurance to cover any travel and health related risks. This is particularly important given the Covid pandemic and its impact on both the health of travelers as well as the disruption in the travel industry.

The pandemic has resulted in significant flight and cruise cancellations which in turn has resulted in hotel booking cancellations. Many of these expenses are non-refundable and it is important for US travelers to insure both the health of the traveler as well as the investment in their trip related expenses. US regulations currently also require all international travelers coming to the US (including US citizens) to have a negative Covid test 24 hours prior to their travel.

US citizens who have traveled overseas do face the risk of testing Covid positive before they fly back home. In this situation, it is important for US travelers to have Covid travel insurance with coverage for Covid related health expenses and Quarantine expenses.

quarantine coverage

At American Visitor Insurance we offer trip cancellation insurance (insures both health of traveler and trip related expenses) as well as travel health insurance (Insures only the health of the traveler) which cover Covid related Quarantine expenses. US travelers can compare the different options and buy travel insurance most appropriate for their needs.

Compare popular covid quarantine travel insurance plans - US Residents

  • Travelers (Age)
    Origin
    Destination
    Primary Residence
    Trip cost
    Start date
    End date
    Insurance company
    Trawick

    Trawick International

    Trawick

    Trawick International

    Eligibility
    US citizens /residents US citizens /residents
    Quarantine benefit
    • $250 per person per day (6 hours or more) up to maximum of $3,000
    • Optional coverage: $4000 ($300/day) or $7000 ($500 per day)
    • $150 per person per day (12 hours or more) up to maximum of $1,000
    Medical Maximum
    $250,000 $50,000
    Emergency medical Evacuation
    $1,000,000 $200,000
    Trip delay
    • Coverage for accommodations due to a covered Trip Delay $3,000/$150 per person per day (6 hours or more) is included in the basic coverage.
    • Optional Quarantine Benefit Upgrade at additional price Trip Delay Max Upgrade - including Accommodations (6 Hours or more) $4000 ($300/day) or $7000 ($500 per day)
    Coverage for accommodations due to a covered Trip Delay $1,000/$150 per person per day (12 hours or more).
    Trip Cancellation
    Up to 100% of Trip Cost Insured Up to 100% of Trip Cost Insured
    Trip Interruption
    150% of Trip Cost Insured 100% of Trip Cost Insured
    Missed Connection
    $1,000 $500
    Baggage Coverage
    $2,500 $750
    Baggage Delay
    $600 (8 hours or more) $200 (24 hours or more)
    Dental Coverage
    $750 $750
    Cancel for Any Reason(optional)
    75% of Trip Cost Not Covered
    AD&D - Air Flight Accident
    $50,000 $20,000
    Common Carrier AD&D
    Optional Additional $250,000 Not Covered
    Pre-Existing Condition
    Included Prior to or With Final Trip Payment Not Covered
    Underwriter
    Safe Travels Voyager Insurance Underwriter
    Underwritten by Nationwide Mutual Insurance Company
    Safe Travels Explorer Insurance Underwriter
    Underwritten by Nationwide Mutual Insurance Company
    Brochure and Details
  • Safe Travels Outbound plans for Coronavirus

    Email results
    Age
    Spouse
    Start Date
    End Date
    Coverage Region
    Excluding USA
    Citizenship
    USA
    Safe Travels Outbound
    Plan Maximum
    Deductible
      Buy Now   

    Safe Travel Outbound insurance

    • Covid Quarantine Benefit: Coverage for accommodations due to a covered Trip Delay $2,000/$150 per person per day (12 hours) is included in the basic coverage.
    • Optional Quarantine Benefit Upgrade at additional price Trip Delay Max Upgrade - including Accommodations (12 Hours) $4000 ($300/day) or $7000 ($500 per day)
    • Safe Travels Outbound insurance offers international travel medical insurance for US citizens and US residents traveling outside the United States.
    • Covid-19 covered as any other sickness
    Safe Travel Outbound insurance:
    Buy Online Details Brochure

Travel insurance for positive COVID test

Is Quarantine insurance a necessity?
The US government regulation expects all travellers to the US to have a Covid test result. US travelers vacationing overseas should consider buying quarantine-related travel insurance coverage should they test Covid positive while on vacation. A positive Covid test can result in significant quarantine related expenses either in a hospital or in a secluded location up to 14 days. So US travelers should consider buying travel insurance with positive COVID test in mind.
Travel insurance with quarantine coverage

Covid Quarantine insurance for international travelers - Frequently asked questions

Am I required to quarantine after domestic travel?

The requirements for travel are quite fluid because of the rapidly changing situation with the covid19 pandemic and its many new variants most notably the Delta variant. However as of now, while the CDC recommends everyone to get vaccinated, it does not require travellers to undergo quarantine after domestic travel. The CDC however does recommend that unvaccinated travelers self quarantine after travel for 7 days with a negative test and for 10 days if they do not get test for Covid19.

Do I need to self-quarantine after traveling during the COVID-19 pandemic?

Thanks to the Covid19 Delta variant, the travel requirements for any country are fluid and can change depending on the pandemic situation. Currently all travelers flying to the USA are required to get tested for Covid19, however they are not required to quarantine with a negative Covid test result.

Do I need quarantine travel insurance?

Covid19 pandemic has made international travel challenging. Most countries are allowing international travelers with certain rules and requirements. These countries are trying to shield their citizens by enforcing strict safety measures for international travelers. Many countries are insisting on travel insurance with Covid19 quarantine coverage should the traveler test positive for Covid19 and need to accommodate somewhere. Some of the countries who insist travel insurance that covers covid quarantine costs are Costa Rica, Turks and Caicos Islands, most other Caribbean islands, Thailand, Argentina and Venezuela.

Do you have travel insurance that covers COVID quarantine costs?

Yes, we do offer COVID quarantine insurance coverage . Since all travelers coming to the US need to test for Covid before they are allowed to fly to the US, there is always a risk of testing Covid positive and being forced to Quarantine while outside the United States. US travelers can buy trip cancellation insurance with Quarantine coverage (covers both the health of the traveler and the trip cancellation expenses) or Travel insurance that covers Covid quarantine costs (cheaper but covers only the health of the traveler, not the trip cancellation expenses). International travelers who are Non US citizens can also buy travel insurance with Covid quarantine expenses covered.

Will my travel insurance cover covid quarantine?

A few travel insurance companies have designed covid travel insurance for quarantine coverage. They cover the quarantine lodging expenses in case the traveller is tested positive. The trip delay benefit in a few plans are used for accommodation expenses per day up to a set maximum limit based on the plan.

Is there a quarantine cover in travel insurance?

Since the outbreak of the Coronavirus pandemic, most travel insurance products now have included Covid-19 coverage as part of their coverage just like any other illness. Covid coverage and Covid quarantine benefits to provide coverage for quarantine while traveling. There are many covid travel insurance plans for quarantine coverage from top rated insurance providers.

What does Covid coverage include?

Covid -19 coverage coverage is offered by the travel insurance company when the insured has contracted the illness, irrespective of the variant. It covers the medical expenses and quarantine expenses related to covid illness. Preventive care like vaccinations are generally not covered unless mentioned in the policy document.

How can I get a reimbursement of quarantine expenses?

To get a reimbursement of the quarantine expenses the insured person need the following in order to get the Covid coverage:

  • A positive Covid 19 test report after the inception of the travel insurance policy
  • The covid 19 cover needs to have quarantine coverage included in the policy
  • The covid treatments, tests and quarantine order needs to be demanded by a medical physician after contracting the Coronavirus illness in order for the insured to be covered. Any tests or treatment availed without the approval of a medical physician will not be covered.

Is a mandatory quarantine requirement by a country covered in my travel insurance?

A mandatory quarantine requirement of a visitor into a country before having a positive PCR test will be considered as a preventive care and not be covered by the travel insurance plan. Travel insurance policies that offer Covid-19 coverage do not cover preventive care like mandatory quarantine or vaccination. In case the destination country has mandatory quarantine requirements regardless of vaccination status or test result, those costs need to be paid by the visitors on their own. In case of contracting the coronavirus illness and have tested positive for covid the travel insurance will cover covid-19 related expenses.

What is the Travel Medical insurance that covers Quarantine?

Travelers who are US citizens or US residents can get travel insurance with quarantine cover from Trawick International with their Safe Travels Outbound Insurance, Safe Travels Voyager Insurance and Safe travel Explorer insurance plan.
The Safe Travels Outbound plan is a travel medical insurance plan offered by Trawick International. It has options of $50,000 to $500,000 medical maximum which will pay for unexpected medical expenses while you are on your trip. Deductible options of $0 to $2,500 are available. Remember that a deductible is only paid one time and only in the case of medical expenses. The basic plan offers a $2000 benefit for"trip delay" which can be used in case of quarantine. The Trip Delay Benefit paid at $150 per person (testing positive) per day up to a total of $2000 (so about 13 days available). You can upgrade this benefit to $4,000 ($300/day) or $7000 ($500/day) to meet your needs. Note that in the case of this benefit, you will pay for your lodging and food while in quarantine out of pocket, keep your receipts, and submit a claim upon your return home.
US residents wanting a trip cancellation plan, can choose from some trip cancellation plans that also offer this trip delay benefit (specifically the Safe Travels Voyager offers the same upgrades to the travel delay benefit outlined above). Safe Travels Explorer Insurance is the trip insurance which offers coverage for quarantine up to $2,000.Trip cancellation plans allow you to insure the value the non-reimbursable portion of your trip should you lose if you cannot go on your trip (or part of it).
Travelers can visit American visitor insurance for more details that will enable the visitor to make an informed decision.

What does covid19 coverage cover in the trip cancellation insurance plan?

Covid-19 travel insurance will provide benefits like:

  • Medical emergencies cover due to coronavirus illness.
  • In case of Trip Interruption
  • Medical Evacuation due to an emergency
  • Cancel for Any reason (CFAR) can be included as an add on cover to the Covid-19 cover. This offers travelers complete flexibility in case of cancellation of the trip. The CFAR cover reimburses up to 75% of any prepaid costs.
senior citizens
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Popular travel insurance for Covid19 Quarantine coverage

Travel insurance that covers covid quarantine costs

If you would like a specific quote for your situation, call us, or send us an email and include your age, the length of time you need the policy (months and days) and we can give you details of available options and their costs. We are happy to assist you with your purchase or answer remaining questions you may have. We wish you safe and happy travels!
The following are US travel insurance plans which offer coverage for Quarantine:

US residents - Trip Cancellation insurance plans

  • Travel insurance for US Citizens and US Residents traveling outside USA
  • Provides minimum coverage of $3,000 for potential or extended quarantine lodging expenses due to Covid19.
  • Provides guaranteed travel insurance for Covid19 for medical expenses of at least USD $250,000.
  • Covid Quarantine Benefit: Coverage for accommodations due to a covered Trip Delay $3,000/$250 per person per day (6 hours or more) is included in the basic coverage.
  • Optional Quarantine Benefit Upgrade at additional price Trip Delay Max Upgrade - including Accommodations (6 Hours or more) $4000 ($300/day) or $7000 ($500 per day)
  • Provides a minimum coverage of $1,000 for potential or extended quarantine lodging expenses due to Covid19
  • Covid19 medical expenses are covered and treated the same as any other sickness
  • Offers coverage of $50,000 for emergency medical expenses
  • Offers comprehensive trip cancellation coverage
  • Trip Cancellation: Up to $100,000 of the trip cost
  • Travel SE insurance offers Trip Delay benefit up to $125 per day per person, to a maximum of $2,000 per person
  • US Residents on domestic and worldwide trips
  • Accident & Sickness Medical and Dental Expense: Up to $250,000 per person.
  • Trip Cancellation: Up to $100,000 of the trip cost
  • Travel LX insurance offers Trip Delay: Up to $250 per day per person, to a maximum of $2,500 per person
  • US Residents on domestic and worldwide trips
  • Accident & Sickness Medical and Dental Expense: Up to $500,000 per person.
  • Travel insurance for US Citizens and US Residents traveling outside US
  • Trip cancellation up to $50,000
  • Trip interruption up to 200% of trip cost
  • $500,000 medical for sickness and injury/$1,000,000 medical transportation
  • Include $2000 in travel delay benefits for quarantine/lodging.
  • Trip cancellation insurance for US residents.
  • Provides coverage for traveler facing mandatory quarantine in their destination due to a positive Covid-19 test Trip delay up to $2000 maximum which has a limit of $250/day for 12 hours.

US residents - Travel medical insurance plans

  • Travel insurance for US Citizens and US Residents traveling outside USA
  • Provides minimum coverage of $2,000 for potential or extended quarantine lodging expenses due to Covid19.
  • Provides guaranteed travel insurance for Covid19 for medical expenses of at least USD $500,000.
  • Covid-19 is covered as any other sickness.
  • Covid Quarantine Benefit: Coverage for accommodations due to a covered Trip Delay $2,000/$150 per person per day (6 hours or more) is included in the basic coverage.
  • Optional Quarantine Benefit Upgrade at additional price Trip Delay Max Upgrade - including Accommodations (6 Hours or more) $4000 ($300/day) or $7000 ($500 per day)
  • Visitor Secure US health insurance is ideal for parents and older travelers traveling to the US
  • This plan offers $50 per day for each day that travelers are quarantined abroad for a maximum of 10 days.
  • Coverage must be bought for a minimum of 30 days. Show proof of quarantine mandated by a physician or governmental authority.
  • Quarantine must be due to you testing positive for COVID-19/SARS-CoV2.

NON US residents - Quarantine insurance plans

  • Travel insurance for Non US Citizens and Non US Residents traveling outside their home country
  • Provides minimum coverage of $2,000 for potential or extended quarantine lodging expenses due to Covid19.
  • Provides guaranteed travel insurance for Covid19 for medical expenses of at least USD $1,000,000.
  • Covid-19 is covered as any other sickness
  • Travel medical insurance coverage outside USA
  • Atlas Premium insurance offers $50 per day for each day that travelers are quarantined abroad for a maximum of 10 days.
  • Show proof of quarantine mandated by a physician or governmental authority.
  • Quarantine must be due to you testing positive for COVID-19/SARS-CoV2.
  • Travel medical insurance coverage outside USA
  • Atlas Essential insurance offers $50 per day for each day that travelers are quarantined abroad for a maximum of 10 days.
  • Coverage must be bought for a minimum of 30 days. Show proof of quarantine mandated by a physician or governmental authority.
  • Quarantine must be due to you testing positive for COVID-19/SARS-CoV2.

Trip Insurance covering quarantine - Forum

question Hi,
We are booked for a trip to Italy on Sept 27 return on Oct 13. Both 67 and in good health.
We are seeking a policy if we get sick on the trip, including covid, where we have coverage for return flights (if interrupted), and if we test positive, lodging while we are in quarantine.
Looking for a $250 deductible and $50K max coverage is about right.
We have paid for airline flights but hotels and car rentals begin to be due a few days before we leave.
Please give us a couple options?

Thank you,
Roy

question Hi Roy,
Thanks for your inquiry!
You will need a trip insurance plan for covering the lodging/quarantine expense and trip cancellation coverage where the flight expense can be covered.

Please fill the form Travel insurance quote form

The trip insurance plan differs from travel insurance plan where the trip insurance plan provides coverage for trip cancellation and lodging benefits. Scroll down the page in the above link to see the comparison.

Please let us know if you have any questions.
Regards,
Customer care
www.americanvisitorinsurance.com
(877) 340 7910
question Hi,
I recently bought the Safe Travels Voyager insurance, but had the follow questions, please advise.
  • I accidentally put the incorrect deposit/payment date when paying for the Safe Travels Voyager plan for myself and Eric Grim. I put today’s date 12/29/21 thinking payment date meant payment of Plan date. Would you please see below for initial travel booking date and update our travel certificates/resend confirmation as needed?
  • Would you also please confirm that in the below plan description & ”quarantine accommodations/lodging expenses” INCLUDES food needed during quarantine for Covid? Also, if we tested positive during our trip using an antigen test required for travel and provided by the hotel, would that positive test result constitute the beginning of our quarantine or would we need to retake the test with a doctor (potentially exposing others)?
Thank you,
Valentine

question Hi Valentine,
Please see your questions answered below and suggestions to make corrections.

  • Q 1) I accidentally put the incorrect deposit/payment date when paying for the Safe Travels Voyager plan for myself and Eric Grim. I put today’s date 12/29/21 thinking payment date meant payment of Plan date. Would you please see below for initial travel booking date and update our travel certificates/resend confirmation as needed?
    • ANSWER: PLEASE email the insurance company with this update at: info@trawickinternational.com They can make that update. It will only impact “Cancel for any reason” coverage. Did you opt for that? If so, and your initial deposit was more than 15 days before your plan purchase, you will not be able to have that coverage. Otherwise, it will not make a difference, but you should have them update the application.
  • Q 2) Would you also please confirm that in the below plan description & ”quarantine accommodations/lodging expenses” INCLUDES food needed during quarantine for Covid? Also, if we tested positive during our trip using an antigen test required for travel and provided by the hotel, would that positive test result constitute the beginning of our quarantine or would we need to retake the test with a doctor (potentially exposing others)?
    • ANSWER: The Trip Delay benefit pays up to $150 per person per day (at $2000 level) for food and lodging. That will include quarantine, but could be a delay for another reason as well. Should you need it, you will pay for your food and lodging at the time and then submit a claim once you return home.
      A single test showing you are positive for COVID (or any other situation) should be sufficient to document the need for your travel delay.
Have a pleasant trip.
Sincerely,
Customer care
www.americanvisitorinsurance.com
(877) 340 7910

Trawick Covid Quarantine insurance

Does Trawick international cover covid19 in their travel insurance plans?

Yes, Trawick has designed travel insurance plans like Trawick international Safe Travels covid insurance for US citizens and Non US citizens which offers coverage for covid-19.

If a traveler contracts COVID-19 after starting the trip and must quarantine, would he/she qualify for both quarantine and interruption benefits?

Trawick Covid Insurance for Quarantine plans provide coverage if someone contracts COVID while traveling. If they have additional expenses for quarantine (lodging, meals, etc.) they can claim these amounts. Additionally, if they miss a portion of their trip they can claim for the lost days.

Do your trip insurance plans cover the cost of additional accommodation for an individually-ordered quarantine?

Yes, Trawick Quarantine travel Insurance would provide benefits.

How does one get the Quarantine Reimbursement from Travel Insurance?

They would need to save all receipts along with their positive results and file a claim for reimbursement.

If a traveler needs to further quarantine after completing the required isolation for COVID-19? Will the travel insurance cover it?

Trawick International Travel Insurance for Covid Quarantine policies will extend throughout the quarantine. Benefits are available up to the maximum amount. Our Voyager plan has $2,000 of coverage built into the plans – customers have the option to increase coverage to $4,000 or up to $7,000.

If a traveler needs to quarantine while waiting for a COVID-19 screening test result, will the travel insurance cover it?

No – this would not be a covered reason. They would need to become ill for coverage.

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