allianz global travel insurance covid

June 1, 2020

Due to travel restrictions, plans are only available with travel dates on or after

Due to travel restrictions, plans are only available with effective start dates on or after

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U.S. Coverage Alert – 2019 Novel Coronavirus/COVID-19

UPDATED JANUARY 19, 2023

COVID-19 is a known and evolving epidemic that is affecting travel worldwide, with continued spread and impacts expected. COVID-19 became a known event on January 22, 2020 and was recognized as an epidemic as of February 3, 2020.

Allianz Global Assistance is currently assisting customers 24/7/365 who wish to change their travel plans, need travel assistance or would like to file a claim.  We are here to fully understand the nature of your situation and provide assistance and applicable coverage under your plan. Our assistance team is ready to help all of our customers who need help while traveling, such as locating medical facilities or rebooking transportation.

We urge any customer who has a medical issue while traveling or who has any other question regarding their plan to call us or contact us  online.  We review every claim based on its unique facts and circumstances and are happy to answer any questions you may have.

EPIDEMIC-RELATED COVERAGE AND SPECIAL PLAN ACCOMMODATIONS FOR COVID-19

Claims due to known, foreseeable, or expected events, epidemics, government prohibitions, warnings, or travel advisories or fear of travel are generally not covered, and coverage can vary by state.  However, we are pleased to announce the addition of epidemic-related covered reasons to some of our most popular insurance plans in response to COVID-19.

For plans that include the new Epidemic-Related Covered Reasons:

New covered reasons have been added for certain specific epidemic-related situations. Please refer to plan details for more information.

These covered reasons  may not be available for all plans or in all jurisdictions.  To see if your plan includes these covered reasons, please review the covered reasons under each of your plan’s benefits, including any  endorsements your plan may include.   You can view your plan’s benefits and any endorsements before you purchase by clicking the link in your online insurance offer or by requesting this information from us or your travel agent.  After purchase, you can view this information in the plan materials we send to you or on our website.

Terms, conditions, and exclusions apply.  These epidemic-related covered reasons do not cover all epidemic-related situations or losses.  See your plan for details.

Temporary Claim Accommodations: For a temporary period in response to the ongoing public health and travel crisis, we are currently accommodating claims under plans that do not include the new epidemic-related coverage for:

• Emergency medical care for an insured who becomes ill with COVID-19 while on their trip ( if your plan includes the Emergency Medical Care benefit)
• Trip cancellation and trip interruption if an insured, or that insured’s traveling companion or family member, becomes ill with COVID-19 either before or during the insured’s trip ( if your plan includes Trip Cancellation or Trip Interruption benefits, as applicable)

If an insured or their traveling companion become ill with COVID-19 while on their trip, that insured will not be subject to the Trip Interruption benefit’s five-day maximum limit for additional accommodation and transportation expenses (however, the maximum daily limit for such expenses and the maximum Trip Interruption benefit limit still apply).

The accommodations described in this coverage alert are strictly applicable to COVID-19 and are only available for customers whose plan includes the applicable benefit.  All other terms, conditions, and exclusions of the plan apply as normal. All plans continue to generally exclude losses for epidemics, including COVID-19, except as expressly covered under a specific benefit of that plan. Availability of accommodations may be subject to any refund or reimbursement you receive from your supplier or other source.  All benefits are subject to maximum limits of liability, which may in some cases be subject to sublimits, day limits, and daily maximums.  Please read your plan for details. These accommodations apply to plans currently in effect but may not apply to plans purchased in the future, so please refer to this coverage alert for the most up to date information before purchasing your plan.

Please note, until changed in a future version of this Coverage Alert, the above accommodations and other coverage for which you are otherwise eligible under your plan continue to apply regardless of any U.S. Centers for Disease Control and Prevention (CDC) and U.S. Department of State travel alerts regarding COVID-19 that exist on the effective date of this Coverage Alert.

Please note, to confirm COVID-19 illness, we require a physician’s diagnosis or confirmation, or the verified record of a positive molecular (e.g. PCR) or antigen COVID-19 test performed by a third party testing service provider.

If you need help understanding your plan coverage, please contact us .

PLAN DATE CHANGE / REFUND ACCOMMODATIONS

Customers may change their travel protection plan’s effective dates to cover a new or rescheduled trip, as long as that trip is scheduled to be completed within 770 days from the plan’s original purchase date.  Changes can be made at www.allianztravelinsurance.com or by calling the phone number on their plan.

Please note, if you wish to move your plan’s covered trip dates to cover a new or rescheduled trip, you must update your trip dates prior to the departure date of that new or rescheduled trip and prior to any loss for which you seek coverage.  Additionally, if your trip costs for your new or rescheduled trip are different than the cost of your original trip, you will need to update your plan’s coverage limits accordingly.  Any change in trip cost insured for the new or rescheduled trip may result in a change in premium.  If you update your plan’s trip dates to cover a new or rescheduled trip but do not adjust your limits, the original plan limits will apply to the new or rescheduled trip.

Alternatively, for a temporary period, we are offering refunds for the cost of your single-trip travel protection plan to customers who wish to cancel their travel protection plan if the customer’s travel supplier canceled the customer’s trip due to COVID-19, so long as no payable claim has been filed under the plan.  (This is not available for annual travel insurance plans, which may be cancelled any time for a refund of unearned premium.)  Please call us at the number listed on your plan and we will be happy to assist you. Refunds must be requested within 770 days of the original plan purchase date.

Unless earlier canceled or otherwise ended in accordance with its terms or the accommodations stated here, plans end 770 days after the original plan purchase date.  Plans do not provide any coverage or accommodation for any loss incurred after the plan ends.

PLANS PURCHASED WITH A SUPPLIER’S CANCELLATION FEE WAIVER

If you purchased an Allianz Global Assistance travel protection plan in conjunction with a travel cancellation fee waiver offered by a travel supplier, please contact your travel supplier for questions and coverage information related to trip cancellation under that waiver.

Please note, the above refunds, opportunities to change dates, and other accommodations may not be available for any third party travel cancellation fee waiver you purchased from your travel supplier.

MORE INFORMATION

Customers should contact their travel provider prior to canceling their travel arrangements. Some airlines and other travel suppliers may allow customers to cancel their trip and receive a refund or change their dates of travel without change fees when traveling to a destination affected by COVID-19. 

While traveling, customers should take their travel insurance information with them, including plan number/details and our toll-free travel assistance phone number.  This information can also be accessed via our free mobile app for customers who connect the app to their account. Customers should also review their plan to learn details about their coverage.

For additional questions related to our insurance plans and COVID-19, please visit our    .

For more information about COVID-19 specifically, please visit the World Health Organization’s website at  https://www.who.int/emergencies/diseases/novel-coronavirus-2019 , the CDC’s website at https://wwwnc.cdc.gov/travel/noticescovid19 , or consult your medical professional.

The information in this Coverage Alert is current as of the time of publication but is subject to change as the situation develops.  Please visit  AllianzTravelInsurance.com  for the latest coverage information.

Event Ticket policyholders, please see our Event Ticket COVID-19 Coverage Alert .

Please note, the above-described accommodations are an explicit and limited expression of donative intent only, which is for only the limited purposes expressly specified here and for no other further purpose, express or implied.  Further, it is expressly not a guarantee of coverage or admission of legal or equitable liability.  Nothing contained or described here, nor any payment made pursuant to the position described here, is or should be construed to be a waiver of any term, condition, or exclusion of any plan, or any applicable rights, remedies, or defenses under any plan or at law or equity.  We and our applicable underwriters and reinsurers reserve all rights, remedies, and defenses under the plan and under applicable law and at equity.

Terms, conditions, and exclusions apply to all plans. benefits and limits vary by plan. for a complete description of the coverage and benefit limits offered under your specific plan, carefully review your plan’s letter of confirmation/declaration of coverage and certificate of insurance/policy. insurance benefits underwritten by bcs insurance company, or jefferson insurance company, depending on your state of residence and plan chosen. plans only available to u.s. residents and may not be available in all jurisdictions. allianz global assistance and allianz travel are marks of aga service company dba allianz global assistance or its affiliates. allianz travel, event ticket, and registration insurance products are distributed by allianz global assistance, the licensed producer and administrator of these plans and an affiliate of jefferson insurance company. the insured shall not receive any special benefit or advantage due to the affiliation between allianz global assistance and jefferson insurance company. plans include insurance benefits and assistance services. any non-insurance assistance services purchased are provided through allianz global assistance. any non-insurance travel cancellation fee waiver purchased is provided by the travel supplier from whom you purchased that travel cancellation fee waiver. except as expressly provided under your plan, you are responsible for charges you incur from third parties., share this page.

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Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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COVID-19 benefits with Travel Insurance

Benefits with cover for covid-19.

• Cancellation if you or your travel companion are positively diagnosed with COVID-19 during your period of cover 1,2
• Additional Expenses 1,3 related to changing your travel arrangements while travelling
• Overseas Medical and Hospital Expenses 1,4
• Overseas Emergency Assistance available 24 hours a day, with access to Registered Nurses and Doctors 1,4

What COVID-19 benefits our plans offer

Swipe to view more

Comprehensive

Why choose us, thousands of satisfied customers, network of medical experts, emergency assistance available, we’re an established insurer, flexible covid-19 policy cancellation options.

We offer the flexibility to cancel your Allianz Travel Insurance policy at any time if your plans need to change due to COVID-19, provided you haven't made or intend to make a claim or exercise any other right under your policy. 1

You may be entitled to receive a full or partial premium refund if you can’t travel or need to change your journey because of COVID-19 border closures or mandatory quarantine periods. This applies when travelling both domestically and internationally. 1

If you haven’t started your journey, we’ll provide a full premium refund. If you’ve started your journey, we’ll provide a partial premium refund, based on a pro-rata basis from the date you returned home from your journey until the end date of your policy listed on your Certificate of Insurance. Eligibility criteria applies, refer to the PDS for full details.

If you need to cancel your policy due to COVID-19, contact us on 1800 440 806 or email our Travel Helpdesk .

Ready to get started?

Frequently asked questions.

Yes, you can apply to buy a policy even if you haven’t received the recommended vaccinations against COVID-19. The section headed ‘Who is eligible to purchase this product’ in the Product Disclosure Statement (PDS) contains important information about who is eligible to buy a policy, age limits and cover types.

You may not be covered if you don’t follow any advice or warnings by the Australian government or that were published in a reliable mass media source.

Refer to Smartraveller and the Australian Government Department of Home Affairs for the most up to date travel advice.

Make sure you’re aware of what is required, including any proof of vaccination, before you travel.

If you select Comprehensive , Multi-Trip, or Domestic Travel Insurance, which include the cancellation benefit cover when you buy your policy, you may be able to make a claim if you:

• are subsequently positively diagnosed with COVID-19, which prevents you from travelling and
• need to cancel, reschedule, or shorten your trip as a result. 1

The Cancellation benefit is designed to cover the non-refundable costs, up to the amount chosen, associated with cancelling, rescheduling or shortening the paid and unused portions of your journey. 2

If you’re positively diagnosed with COVID-19, we’ll reimburse your reasonable additional travel and accommodation expenses 3 up to the limit shown in the Table of Benefits for the Plan you have selected, if you meet each of the following three conditions:

• You have bought a Comprehensive, Domestic, or Multi-Trip Travel Insurance plan
• You can’t continue your journey or your journey is disrupted because you or your travel companion are positively diagnosed with COVID-19
• You need immediate and continued treatment from a medical adviser

Call emergency services in your location if your condition is life threatening.

If you’ve contracted COVID-19 overseas and need emergency assistance, contact our Emergency Assistance team on +61 7 3305 7499 . Call charges may apply.

We're here to help

Give us a call, or send us a message, follow us on, *conditions apply.

• Policy terms, conditions, limits, exclusions, and sub-limits apply to particular types of losses, premium refunds (full or partial) or claims. This product has a general exclusion, with limited exceptions, against epidemics and pandemics. That means we don’t cover claims that arise from, or are related to, an epidemic or pandemic. However, you’re covered under selected benefits in this product if, during your period of cover, you’re positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19. Refer to the Product Disclosure Statement (PDS) to see which benefits offer cover if you contract a sickness recognised as an epidemic or pandemic, and the terms, conditions, limits and exclusions that apply.
• Terms, conditions, exclusions, limits and sub-limits apply. Cancellation cover is only available on Comprehensive, Domestic and Multi-Trip Plans. Refer to ‘Cancellation’ and ‘General Exclusions’ sections of the Product Disclosure Statement for full details.
• Terms, conditions, exclusions, limits and sub-limits apply. Refer to ‘Additional Expenses’ and ‘General Exclusions’ sections of the PDS for full details.
• Terms, conditions, exclusions, limits and applicable sub-limits apply. For full details and before making a decision, consider the relevant PDS.
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Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, exclusions, limits and applicable sub-limits apply. Before making a decision about this insurance, please consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and Target Market Determination (TMD) for this insurance are available on this website.

Travel Insurance is issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177 AFS Licence No. 245631, trading as Allianz Global Assistance (AGA) as agent of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 (Allianz). Travel Insurance is underwritten by the insurer Allianz. Terms, conditions, exclusions, limits and applicable sub-limits apply.

We don’t provide advice based on any consideration of your objectives, financial situation or needs. Before making a decision, please consider the Product Disclosure Statement available on this website. If you purchase this insurance, AGA will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with any services on this product.

U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

The 5 Best COVID-19 Travel Insurance Options

Travelex Insurance Services »

Allianz Travel Insurance »

World Nomads Travel Insurance »

Generali Global Assistance »

IMG Travel Insurance »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best COVID Travel Insurance Options.

Table of Contents

• Travelex Insurance Services
• Allianz Travel Insurance
• World Nomads Travel Insurance

Even though COVID-19 is no longer considered a global emergency, concerns around illness-related costs remain for many travelers. If you're looking for travel insurance that covers COVID – as well as other potential disruptions like flight delays and lost luggage – these are your best options.

• Travelex Insurance Services: Best Optional Coverage Add-ons
• Allianz Travel Insurance: Best for Multitrip and Annual Plans
• World Nomads Travel Insurance: Best for Active Travelers
• Generali Global Assistance: Best for Comprehensive Travel Insurance
• IMG Travel Insurance: Best for Travel Medical Insurance

Plans include coverage for COVID-19

Optional CFAR coverage is available with Travel Select plan

Some coverages require an upgrade, including rental car collision, accidental death and dismemberment, and more

Not all add-ons are available with every plan

SEE FULL REVIEW »

Allianz offers some travel insurance plans that come with an epidemic coverage endorsement

Single-trip, multitrip and annual plans available

COVID-19 benefits don't apply to every plan

Low coverage limits with some plans (e.g., only $10,000 in emergency medical coverage with OneTrip Basic plan)

24-hour travel assistance services included

More than 200 sports and activities covered in every plan

Low trip cancellation benefits ($2,500 maximum) with Standard plan

No CFAR option is offered

Free 10-day trial period

Some coverage limits may be insufficient

Rental car damage coverage only included in top-tier Premium plan

Offers travel medical insurance, international travel health insurance and general travel insurance plans

Some plans include robust coverage for testing and quarantine due to COVID-19

Not all plans from IMG offer coverage for COVID-19

Cancel for any reason coverage not available with every plan

Frequently Asked Questions

When comparing COVID-19 travel insurance options, you'll want to make sure you fully understand the coverages included in each plan. For example, you should know the policy inclusions and limits for COVID-related claims, including coverage for testing, treatments, trip cancellation or COVID-related interruptions that can occur. Meanwhile, you should understand how your coverage will work if you contract some other illness while away from home.

Also ensure your travel insurance coverage will kick in for other mishaps that occur, and that limits are sufficient for your needs. If you're planning a trip to a remote area in a country like Costa Rica or Peru , you'll want to have emergency evacuation and transportation coverage with generous limits that can pay for emergency transportation to a hospital if you need treatment.

You can also invest in a travel insurance policy that offers cancel for any reason coverage. This type of travel insurance plan lets you cancel and get a percentage of your prepaid travel expenses back for any reason, even if you just decide you're better off staying home.

It depends on your private health insurance provider and/or travel insurance policy. As of May 11, 2023, private health insurers are no longer required to cover the cost of COVID-19 testing. Out-of-pocket costs for COVID-19 test kits at local drugstores and on Amazon are relatively affordable, however.

As you search for plans that will provide sufficient coverage for your next trip, you'll find travel insurance that covers COVID-19 quarantine both inside and outside the United States. However, you'll typically need to have your condition certified by a physician in order for this coverage to apply. Also make sure your travel insurance plan includes coverage for travel claims related to COVID-19 in the first place.

Many travel insurance plans do cover trip cancellation as a result of COVID-19, although the terms vary widely. You typically need to be certified by a physician in order to prove your condition. Disinclination to travel because of COVID-19 – such as fear of exposure to illness – will generally not be covered. This means you will actually have to test positive for coronavirus for benefits to apply; simply not wanting to travel is not a sufficient reason to make a claim.

If you want more flexibility in your COVID-19 travel insurance, ensuring you have a cancel for any reason policy may be your best bet, but be sure to check with your chosen travel insurance provider to assess your options.

Why Trust U.S. News Travel

Holly Johnson is an award-winning writer who has been covering travel insurance and travel for more than a decade. She has researched the best travel insurance options for her own trips to more than 50 countries around the world and has experience navigating the claims and reimbursement process. Over the years, Johnson has successfully filed several travel insurance claims for trip delays and trip cancellations. Johnson also works alongside her travel agent partner, Greg, who has been licensed to sell travel insurance in 50 states.

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Is Travel Insurance Worth It? Yes, in These 3 Scenarios

These are the scenarios when travel insurance makes most sense.

• Comprehensive travel insurance plans
• Emergency medical travel insurance plans
• Trip Cancellation Insurance and Non-Medical Plans
• Annual comprehensive travel insurance plans
• Annual emergency medical travel insurance plans
• Visitor to Canada and International Student
• Seeking medical treatment
• How to file a claim
• Access Claims Portal
• Complaint resolution process
• Understanding travel insurance
• How to choose a travel insurance plan
• Before your trip
• On your trip
• Travel Tips
• Get a quote online

Am I covered if I have to cancel or interrupt my trip due to COVID-19?

Allianz Global Assistance declared COVID-19 to be a known event for Trip Cancellation and Trip Interruption benefits on March 11, 2020. This known event declaration applies specifically to claims resulting from Global Affairs Canada travel advisories against non-essential travel (Level 3) or all travel (Level 4) due to COVID-19. As a result of the known event declaration, customers who purchased their policy on or after March 11, 2020 are not covered for Trip Cancellation and Trip Interruption claims related to COVID-19.

An exception to this known event declaration relates to claims if a customer becomes ill due to COVID-19 in their home province before departure, or at their destination during their trip. In these scenarios, a client can still claim for their non-refundable trip costs under Trip Cancellation (before departure) or Trip Interruption (after departure) benefits.