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All you need to know about COVID-19 Travel Insurance & Top 5 Best Pandemic Travel Insurance Plans

With the new CDC's regulations enforced since January 26th, 2021 you are searching for COVID testing sites in Tulum, Cancun and Playa del Carmen and also might ask yourself:


Does any travel insurance cover COVID?

Plain and simple, yes! Many of the largest insurance companies introduced COVID-19 insurance as early as late summer and early fall.


Where can I get tested for COVID in Mexico?

Find a list and prices of hospitals and laboratories in Cancun, Playa del Carmen and Tulum here.



This leads you to the next question:


Which is the best COVID Travel Insurance Plan in 2021?

According to forbes.com the top 5 Best Pandemic Travel Insurance Plans 2021 are provided by:


  1. Cat70

  2. HTH Worldwide

  3. Tin Leg

  4. USI Affinity Travel Insurance Services

  5. AXA Assistance USA


The 5-day limit for trip interruption benefits has been removed!

Allianz Travel Insurance has great news for customers who test positive for Covid-19 while traveling.


Part of their Trip Interruption benefit on Allianz policies covers, “Additional accommodation and transportation expenses if the interruption causes you to stay at your destination (or the location of the interruption) longer than originally planned. There is a per policy maximum of $250 per day for 5 days.”


Allianz announced it has made additional accommodations for customers who become ill from Covid-19 while traveling.


(The $250/day per policy limit up to the maximum trip interruption benefits listed in the policy remains in effect.)


For example, a client ensures a trip cost of $5,000:

On WWTP the Trip Interruption benefit is up to 150% of the insured amount = $7,500 with a $250 daily limit per policy. A customer tests positive for Covid-19 while traveling and is unable to return to the U.S. as planned.


The customer incurs lodging and transportation expenses (i.e. flight) to return home later than expected. The customer has up to a $7,500 Trip Interruption benefit to help with those expenses, up to $250/day per policy. (The customer is no longer limited to just 5 days.)


Note: $7,500 is not a fixed amount. The client can claim reimbursement only for expenses for which he or she has receipts.


*Conditions apply. Please visit Coverage Alert on the Allianz website for additional details and requirements.


Positive COVID-19 Test Result May Not Immediately Trigger Cancellation Benefits

The positive COVID-19 test result may not immediately trigger cancellation benefits.


Many travel insurance policies require medical documentation advising against travel in order to receive benefits. In this case, a positive coronavirus test result alone may not be enough to trigger coverage.


Travelers who test positive should contact a physician as soon as possible before canceling their trip. The physician can provide documentation that will be required when filing a claim.


Cost of COVID-19 Testing Not an Insurable Expense

Most travel insurance policies will not cover the cost of COVID-19 testing before departure, even if their destination requires a negative COVID-19 test result for entry.

If a traveler is medically required to take a COVID-19 test while traveling, this cost may be reimbursed depending on the policy.


Now that you are good to go, why not learn more about Why We Are Back Swimming With Turtles In Akumal Again or if whale sharks are safe to swim with?




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