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We asked: Will travel insurance protect your trip as covid spreads?

This week’s by the way concierge is a crash course on travel insurance..

delta trip insurance covid

Traveling has always come with complications, but the coronavirus pandemic has made it more challenging than ever. Our By The Way Concierge column will take your travel dilemmas to the experts to help you navigate the new normal. Want to see your question answered? Submit it here .

This week we tackle a topic we’ve heard travel experts discussing with more frequency since the delta variant came knocking. With covid cases on the rise again, it’s becoming less certain whether we can — or should — keep our upcoming travel plans. One solution to alleviate some anxiety about the future is purchasing travel insurance. Because it’s not a common practice for most travelers, we’re using our column this week to break down the essentials. Who would benefit from getting travel insurance? What does it cover? Is it worth the cost?

Let’s start with the basics. As we have covered travel throughout the pandemic, industry experts have recommended travel insurance over and over again because we’re living (and traveling) in a very volatile time. We are already worried enough about the coronavirus; we don’t need the financial blow of something going wrong before or during a vacation.

“Travel insurance is awesome if you get sick, or something that’s covered by the policy that’s out of your control stops you from travel,” says Michael Giusti, an insurance expert for InsuranceQuotes.com .

However, it’s not one-size-fits-all. Not everyone needs it. Policies and what they cover can vary wildly. And everyone’s will be priced differently.

“Travel insurance is not like a big-box store warranty for a toaster or something like that,” says Joshua E. Bush, CEO of the travel agency Avenue Two Travel .

What 6 health experts say about traveling amid the delta variant

Giusti says it makes the most sense to get insurance if you have to pay for the whole trip upfront (e.g., an Airbnb rental with a strict cancellation policy, a cruise or a stay at an all-inclusive resort). It doesn’t make sense if you’re driving to your parents’ house for the weekend or booking a stay at a hotel with a flexible cancellation or rebooking policy.

Bush says he gets travel insurance for most trips he takes. A domestic flight that cost a few hundred dollars? He’ll skip insurance. A $10,000 vacation to Italy? Absolutely.

Before you throw down money on a policy, Bush recommends finding out the ways you are already covered. Your existing medical, car or homeowner’s insurance (not to mention your credit card) may take care of more than you think. Your personal plan may extend to other members of your family. Once you know where you are vulnerable, you can purchase a travel insurance policy that will fill in the blanks.

You asked: How do I find a coronavirus test in a foreign country?

“You don’t want to get overinsured, but you also don’t want to assume something is covered and then get really upset when you have to go make a claim,” Giusti says.

Is your biggest worry getting coronavirus while you’re traveling? Make sure you get a policy that explicitly covers that concern. For his luxury travel clients, Bush looks to companies like Covac Global and Medjet that will provide medical evacuation.

To calculate the price of your travel insurance, a company will look at your age, the overall cost of your trip, where you’re going in the world and what you’ll be doing. Policies should cost about 4 to 10 percent of the nonrefundable cost of your trip. That is, unless you’re buying a “Cancel for Any Reason” policy, which Giusti estimates can cost about 30 percent more than the norm.

That expensive Cancel for Any Reason has been particularly popular in the past year and a half because, contrary to popular belief, standard travel insurance doesn’t normally cover outlier situations such as pandemics, terrorist attacks and government crises. It also doesn’t cover your fear of those kinds of scenarios, either.

How to cancel your flights, Airbnbs and more because of the delta variant

“If you’re like, ‘Oh, my God, look at Florida. It’s a hot spot. I don’t know if I want to go there anymore,' you’re out of luck when it comes to travel insurance unless you buy the more expensive Cancel for Any Reason,” Giusti says. “Just like its name says, you can back out just because you feel like it.”

Note that Cancel for Any Reason does not mean you’re getting 100 percent of your money back if you do end up canceling. Giusti says travelers can expect to get a percentage of their money back, usually about 70 percent of it.

Additionally, those who want to purchase Cancel for Any Reason coverage need to do so within a certain time frame, which varies with each policy. Other requirements may also apply, so check the fine print.

Should you have to call on your travel insurance for help, know that “filing a claim is never easy,” Giusti says. “You’ve got to work for it. I think the more organized you are, the more protected you’re going to be.”

Unless it is an emergency, check with your travel insurance company before you pull the plug on a plan or run to a doctor’s office.

“Some of these travel policies do have a clause where you have to talk to them before you get treatment,” Giusti says. “Communicate in advance as much as you can.”

Lastly, keep every little receipt and prepare yourself for a battle through red tape to get what you are owed.

Have a travel dilemma for By The Way Concierge? Submit it here.

Coronavirus: What you need to know

New covid variant: The United States is in the throes of another covid-19 uptick and coronavirus samples detected in wastewater suggests infections could be as rampant as they were last winter. JN.1, the new dominant variant , appears to be especially adept at infecting those who have been vaccinated or previously infected. Here’s how this covid surge compares with earlier spikes .

Covid ER visits rise: Covid-19, flu and RSV are rebounding in the United States ahead of the end-of-year holidays, with emergency room visits for the three respiratory viruses collectively reaching their highest levels since February.

New coronavirus booster: The Centers for Disease Control and Prevention recommends that anyone 6 months or older get an updated coronavirus shot , but the vaccine rollout has seen some hiccups , especially for children . Here’s what you need to know about the new coronavirus vaccines , including when you should get it.

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Here’s how to insure your trip amid airline cancellations

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  • The latest surge in Covid infections, due to the omicron variant, is wreaking havoc with airline schedules.
  • While in many cases airlines must refund or compensate affected passengers for cancellations, that's not always the case.
  • "Cancel for any reason" insurance plans, while costly, are the surest way to guard against spoiled vacations.

Air travel continues to be disrupted this week by the national surge in Covid infections, and many worried Americans may be wondering whether or how to ensure — and insure — upcoming or planned trips.

Some 2,221 flights nationwide were canceled Thursday alone, according to website FlightAware . That was the 12th straight day airlines axed more than 1,000 flights, as employees with the omicron or delta variants of the virus called in sick to already short-staffed carriers and winter weather hit parts of the country.

"These interruptions right now are insane," said Jeremy Murchland, president of travel insurer Seven Corners in Carmel, Indiana. "I've never seen anything like it myself."

Traveler inquiries at Seven Corners, which sells both comprehensive travel insurance policies and medical coverage-only plans, have doubled in the past week or so compared to the last few months of 2021, he added.

More from Personal Finance: Here are 22 destinations it will be cheaper to fly to in 2022 Where Americans want to travel, and not so much Bus lines look to attract wary passengers with premium services

The good news is that, under federal law, if your airline cancels or "significantly changes" your flight and you opt not to travel, the carrier owes you a refund in the original form of payment. "It's as simple as that," said Willis Orlando, senior product operations specialist at Scott's Cheap Flights .

However, there are two caveats, he added. First, airlines can set their own definition of "significant."

"Some, like United, consider any change of 30 minutes or more significant, while others, like American, won't generally offer a refund for changes of less than four hours," Orlando said, adding that most other carriers "fall somewhere in between."

Airlines With Most Canceled Flights (1/6/2022)

The following are the U.S.-based airlines with the most canceled flights on Jan. 6, 2022, as tracked by website FlightAware.

  • Southwest: 658
  • SkyWest: 285
  • United: 245
  • Alaska: 137
  • Republic: 125
  • American: 108
  • Horizon: 45

Source: FlightAware

Secondly, airlines are not required to compensate passengers for anything apart from ticket cost if there are delays or cancellations. So if you're delayed but choose to wait it out and travel, you might not get any relief — financial or otherwise.

"Many [carriers] to do so anyway, as a way to retain customer loyalty and uphold their brand image," Orlando said. "However, generally even airlines that routinely do offer such incidental compensation sometimes draw the line when it comes to mechanical failures, weather, or other events 'beyond their control.'"

What if it's not just one or two flights that are impacted but an entire vacation, say, with a hotel stay, car rental, attractions tickets and more? Or, what if the travel itself isn't the problem but being able to test for Covid before, during or after the trip is? That's where trip insurance comes in.

"If folks are nervous about their trip being interrupted, or not wanting to travel, trip insurance might be a decent option," Orlando said. "We advise to do your homework and look into a well-regarded policy that is truly 'cancel for any reason.'"

Cancel for any reason, or CFAR, plans are exactly that: You can cancel for any reason whatsoever for a full refund, possibly minus administrative fees. However, while standard, less generous trip insurance plans generally cost 4% to 8% of a travel purchase price, CFAR coverage can often add up to 50% more on top of actual travel costs, according to Murchland at Seven Corners.

Grounded: What's behind the surge in flight cancellations, and when the skies may clear

"That's a premium but, again, it's about peace of mind right now," he said. "A lot of people still want to travel but it's the worry about traveling and what happens 'if.'"

Megan Moncrief, chief marketing officer at online travel insurance marketplace Squaremouth.com, cautioned travelers to double-check with their airline before buying any additional insurance.

"A lot of carriers are still refunding fares or allowing passengers to move their travel dates or get travel vouchers," she said. "We definitely don't recommend [travel insurance] if you can get your money back elsewhere."

In addition, CFAR plans are generally only available for purchase up to 14 days to 21 days after the initial booking of a flight or package, Moncrief said.

"The majority of policies purchased on our site for international travel are a little more than 30 days prior to the trip," she said, meaning that most of St. Petersburg, Florida-based Squaremouth's U.S. clients head abroad with less comprehensive plans with stricter reimbursement criteria.

With air travel just a mess right now, and testing super backed up ... it's just a perfect storm. Megan Moncrief chief marketing officer at Squaremouth.com

That's not an issue if you're simply worried about contracting Covid abroad and perhaps having to stay in quarantine overseas for a time, as many standard plans cover that, Moncrief noted. "While you're abroad, you get medical coverage if you're hospitalized, for example, as well as additional lodging and transportation costs if you're quarantined and can't return home," she said. "That can extend usually for seven days, sometimes more, after your [original] planned return date."

Moncrief sees access to Covid testing as a potentially bigger problem for Americans headed abroad. "It seems that with air travel just a mess right now, and testing super backed up – coupled with many countries tightening their entry requirements – it's just a perfect storm.

"Where we're probably headed in terms of issues for travelers is: You have everything planned, your destination is open but you now can't logistically get your testing done in time," she added. A CFAR plan would have you covered, whereas most others would not.  

"If you're worried about contracting Covid, a standard travel insurance policy is fine," Moncrief said. "If you have any other Covid-related concerns, that's when you want to look at cancel for any reason."

Orlando at Scott's Cheap Flights says travelers should also familiarize themselves with the protections credit card issuers offer.

"Many credit cards these days have built-in trip interruption insurance, or better, which oftentimes will cover just as much, if not more, than separately purchased trip insurance," he said.

"You'd be amazed at how many folks have this benefit and never take advantage of it because they don't know it exists," Orlando added. "You're paying a yearly fee for your credit card, so we can't advise strongly enough to read up on the benefits and potentially save yourself the trouble of looking into trip insurance."

If you do opt for additional insurance, Murchland at Seven Corners recommends turning to a professional for guidance. "Fine, be your own travel agent and book your own flight, hotel and car but then call and talk to an agent and make sure you're getting the right travel insurance," he advised. "Don't try to interpret things for yourself in this current environment; it's just not worth it."

And if you don't want to spring for more expensive CFAR coverage? "At least get a plan that is going to have trip cancellation, travel delay and trip interruption coverage, Murchland said. "Those three terms are important."

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Travel Insurance: Is It Worth It?

When Covid-19 hit, travel insurance didn’t help many travelers recover the cost of their canceled trips. What, then, were they paying for?

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By Elaine Glusac

Through the travel insurance broker InsureMyTrip.com, Suzanne Tow of New York City paid $270 to cover a $5,000 trip in May to Yosemite National Park. When the tour was canceled, Ms. Tow filed a claim with her insurer, and discovered, like so many other travelers, that travel insurance doesn’t cover cancellations because of a pandemic.

“They’re not risking a penny because they’re not paying a cent,” she said.

Americans spent nearly $3.8 billion on travel protection in 2018, the latest figure available, up about 41 percent from 2016, according to the U.S. Travel Insurance Association. Now, for those contemplating traveling in an increasingly uncertain world, the question of whether travel insurance is worth buying looms large. If insurance couldn’t help with that first wave of Covid-related travel cancellations, many irate travelers ask, what exactly were they paying for?

That’s a good question

“Travel insurance is a line of insurance we consistently hear problems about,” said Carmen Balber, the executive director of Consumer Watchdog, a nonprofit consumer advocacy group. “It’s much less regulated than other lines of insurance and tends to include exclusions for things consumers believe they’re covered for.”

Though the rules vary by state, most standard policies sold in the United States provide predeparture cancellation and trip interruption for unforeseen problems that are specifically named, including job loss, an illness that prevents you from traveling or cuts a trip short, a death in the family, a missed flight connection that, in turn, leads to a missed cruise departure, and so on.

But there is a long list of exclusions that render the insurance void, including terrorist attacks, war and claims associated with psychological disorders, or risky adventure sports like skydiving.

When a threat becomes “foreseen” —— for example, once a brewing storm becomes a named hurricane, or a global health threat becomes a named pandemic — it is uninsurable, unless you bought the policy before the threat is named.

If you contracted Covid-19, which prevented you from traveling, and held travel insurance before the date the viral infection became a known threat, the insurance would have covered your cancellation. Allianz Global Assistance , the largest travel insurance company, uses Jan. 22 as the known date. Travel Guard , another major player, uses March 11, the date the World Health Organization declared Covid-19 a pandemic.

But for travelers who canceled in the current Covid-19 crisis, these insurance companies pointed to their list of things that were covered — a death in the family, job loss, etc. — which did not include pandemics.

“Travel insurance is pitched as something simple, take it or leave it, but it’s a complex insurance policy and there’s all sorts of limitations,” said Birny Birnbaum, the executive director of the Center for Economic Justice, a nonprofit that advocates for equal access to economic opportunity. “You have to read 20 or 30 pages of policy to find out and understand what’s covered.”

The accumulation of unredeemable policies in the pandemic suggested an exploitive practice to Representative Raja Krishnamoorthi. In March, the Illinois Democrat and chairman of the House Oversight and Reform Subcommittee on Economic and Consumer Policy opened a congressional investigation into profiteering by travel insurance companies.

“The burden should be on the insurance company and the brokers to make clear what they’re selling,” said Brendan M. Bridgeland, the director of the Center for Insurance Research, a consumer advocacy organization. “Because that’s where people are getting the idea that, ‘I buy this I’m protected,’ and that simply is not the case if you read the policy.”

Sorry, that’s excluded

Maurizio Howard of Parker, Colo., thought he was covered for his daughter’s school trip to the Dominican Republic because he paid $165 for travel insurance in the $2,955 trip fee. When the March 14 trip was canceled because of the pandemic, the operator, EF Tours, offered three options: Move the dates to the following year; accept a voucher for future travel that the family could resell; or take a refund, minus $1,000 in expenses that it did not enumerate.

That was within EF Tour’s rights, as outlined in the fine print of its trip contract. The company “retains the right to cancel, modify, or delay the tour as a result of … public health issues or quarantine or threats of public health issues…” Canceled tours would trigger a voucher for future travel minus a $95 nonrefundable deposit and “any additional nonrefundable fees.”

Because Mr. Howard feared that filing an insurance claim might hurt his chances of persuading the company to refund the trip, I asked his travel insurer if it would reimburse him the $1,000. Crum & Forster, the parent company of United States Fire Insurance Company, which underwrote the policy, responded via email that the booking terms are “a direct contractual arrangement between EF and their customer and is not related to the Travel Protection Plan.” In other words, no.

The upshot: The conditions under which you can claim trip cancellation benefits are not only narrow, but they don’t cover penalty fees imposed by tour companies.

So, I should buy ‘cancel for any reason,’ right?

Travelers who wanted to cancel trips as Covid-19 gathered steam, but before travel was shut off by governments across the globe, were often told that their travel insurance did not cover canceling out of fear — unless they had purchased a cancel for any reason insurance upgrade, or C.F.A.R.

With C.F.A.R., a traveler is able to back out any time until a few days before departure and get some money back, usually 50 to 75 percent. It’s more expensive than regular travel insurance and must be purchased within a short window after making the initial trip deposit, usually less than 21 days. Additionally, the policy only covers cancellations up to two or three days before the trip.

Using Travel Guard’s website, I priced insurance on a $10,000 trip to France. Its basic policy costs about $500 to insure. But to get C.F.A.R., I would have to take the “preferred” policy at about $554. Adding the C.F.A.R. option offering 50 percent back, cost $128, for a total of $682. If I canceled because of the pandemic, or for any other reason, I would only get $5,000 back, half of the insured amount. Less the premium, that’s $4,318 net.

Cancel for any reason, Mr. Birnbaum said, “is treated as insurance, but it’s not really. Insurance is protection against some fortuitous event.” This policy, he said, covers a decision that’s in your control — such as changing your mind about taking a trip — not a risk that’s out of your control, like a car accident.

Mollie Fitzgerald, a travel adviser in Gibsonia, Pa., rarely recommends C.F.A.R. because it’s expensive — it can be 35 to 50 percent more than regular travel insurance, she said — and becomes more expensive the older you are, while only covering a maximum of 75 percent of the trip.

“Occasionally, a trial lawyer or someone like that whose calendar is fluid will request C.F.A.R., but it’s less than 1 percent of our insurance sales,” she wrote in an email.

But for many travelers, something is better than nothing. Edward Chan of Rancho Palos Verdes, Calif., spent $552 on an insurance policy with C.F.A.R. through Travel Insured International that offered 75 percent back on a $13,000 family cruise. During the pandemic, he canceled before the final payment was due and got his money back, except for a $1,000 nonrefundable fee.

Making an insurance claim through Travel Insured International, he got $750 of that fee back.

“So it was worth it for me to make the claim,” he wrote via Twitter, noting it took two hours on the phone with an agent two months after making the claim to get the refund approved.

The upshot: Cancel for any reason is a luxury option, that may be worth it to protect a large investment. But even then you only get a fraction back.

Airlines get into the game

Airlines also act as travel insurance brokers, offering coverage by third parties every time you buy a ticket online. During the transaction, most carriers have a mandatory yes or no question about buying insurance and then add the cost of the policy, if accepted, to the ticket price. Answering “yes,” Kathryn Franz of Marion, N.Y., bought two nonrefundable fares on Delta.com for a September trip to several national parks in Utah to celebrate her 70th birthday. She bought insurance on the $1,193 tickets with Allianz Global Assistance for $94.

Though the trip is still months away, Ms. Franz has decided she is not comfortable taking it. “Both my husband and I are in the ‘at risk’ demographic due to age, but he also has diminished lung capacity due to having been a smoker for so long,” she wrote in an email. “I feel it is prudent to cancel the trip to protect ourselves from risk.”

Checking her policy, she discovered she would not be covered if she canceled the flight because of the pandemic. (However, Delta later changed the couple’s itinerary, and offered a credit to use in future if they elected not to take the trip.)

“Concern over the potential to become ill is not a listed reason that would trigger coverage,” an Allianz spokesman, Daniel Durazo, wrote in an email.

Recently, American Airlines offered me a $25 insurance policy, marked “recommended,” on a $388 flight from Chicago to San Francisco. If I declined, I had to click: “No, I choose not to protect my $388.30 purchase and I understand by declining coverage I may be responsible for cancellation fees and delay expenses.”

The question injects anxiety into every ticket purchase, suggesting airlines have a financial interest in the sales. Allianz would not disclose the terms it has with the airlines. Several airlines didn’t respond to the inquiry.

“They thrust this product in front of you on every online ticket purchase,” said Shawn Guertin, of Barrington, R.I., who assumed the tickets he canceled on Hawaiian Airlines in March because of the coronavirus were covered by the insurance he bought at booking; Allianz denied the claim, writing in a letter, “Your plan excludes coverage for losses due to an epidemic.”

“Regardless of what the fine print says, at a minimum it’s a very deceptive business practice,” he said.

When buying any insurance, experts advise, ignore third parties — in this case, the airlines.

“You can purchase a policy for the same flight on your own and it will probably be cheaper,” Mr. Bridgeland said.

While I priced insurance on that San Francisco flight at Allianz for $20, it lacked some benefits in the $25 airline policy, making an exact comparison difficult.

In addition, most flight insurance includes benefits you often don’t need to pay for. In the case of lost, damaged or delayed baggage, the U.S. Department of Transportation makes the airline responsible for reimbursement up to a maximum of $3,500 on a domestic flight, typically more than travel insurance stipulates. Additionally, if an airline cancels your flight or makes a significant schedule change, it owes you a refund regardless of insurance.

The upshot: Flight insurance, like travel insurance, is good under only a limited set of circumstances, such as job loss. Ignore the airline website hype.

If the trip is canceled, can I get my premium back?

Most travel insurance policies cover trip cancellation from the time of purchase to the day of departure for reasons like sickness or severe weather. They typically include a “free look” period after purchase, usually 10 to 15 days, during which time travelers can cancel for a full refund of the premium. After that, no dice.

When Royal Caribbean canceled Valerie Pedersen’s May cruise to Bermuda because of the pandemic, she was offered a refund. But Ms. Pedersen also wanted her $400 insurance premium back from Travel Guard insuring a trip that wasn’t to be.

Travel Guard offered Ms. Pedersen a rollover.

On April 13, the company wrote her that she was beyond the free-look stage that would trigger a refund of the premium. “It is our policy that all premium refund requests must be submitted within 15 days of the effective date of the policy, however, we are pleased to offer you a travel insurance credit voucher in the amount of $413.92,” it wrote.

“Pretty cheesy, I think, as I could use the actual cash now,” Ms. Pedersen said.

Offering rollovers has been the industry’s exception to its policy of no refunds after the free-look period. Decisions on how to handle policy refunds versus rollovers have varied in the pandemic. Allianz said it is allowing customers whose trips have been canceled because of Covid-19 by their travel operator — be it a cruise line, airline or tour company — to cancel their insurance and get a refund of the premium.

The upshot: Much depends on the policy, but the fact that insurance companies are reacting differently means it’s a good time to be the squeaky wheel and demand a refund.

So, who needs travel insurance?

In the pandemic, travelers learned they can insure themselves for unforeseeable but relatively routine disasters — like getting hurt in a car accident, needing emergency gall bladder surgery or losing a job — but not the ones that seemed like a sci-fi scenario two months ago.

One way to make sure your money is protected is to pay more for refundable airline tickets — as long as they’re not worth more than the fees to change them — and carefully read the fine print on tour, cruise and hotel cancellation and refund terms, as well as travel insurance policies.

“So many travel insurance policies are set up for consumers to lose,” said Ms. Balber of Consumer Watchdog, noting that policies including medical coverage abroad, where your own health insurance may not kick in, may be worthwhile. “But the devil is in the details and that is doubly true when it comes to travel insurance.”

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The 5 Best COVID-19 Travel Insurance Options

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Travelex Insurance Services »

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Allianz Travel Insurance »

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World Nomads Travel Insurance »

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Generali Global Assistance »

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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

  • Rating Details
  • Travelex Insurance Services
  • Allianz 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

Best COVID Travel Insurance Options in Detail

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

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.

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How Long Does COVID-19 Stay In Your Body?

The length of recovery can differ between people

Key Takeaways

  • How long COVID-19 stays in the body varies from person to person. Generally, people are no longer contagious about 10 days after symptoms first develop.
  • COVID vaccination appears to significantly shorten infection times along with the length of time a person is contagious.
  • In rare cases, COVID infections can persist for weeks or even months. This is seen mostly in a subset of people who are immunocompromised .

The length of time that COVID-19 stays in the body can vary, but most people who get COVID are no longer contagious after 10 days. Those with severe COVID may remain infectious beyond 10 days and need to isolate for up to 20 days.

However, there are people in whom COVID has been known to persist for months rather than weeks. While cases like these are rare, there is increasing evidence that the virus may persist in other tissues for longer than previously thought and possibly contribute to the development of long COVID .

This article describes what most people can expect if they get COVID-19, including how long the infection lasts and what you need to do if exposed to the virus. It also explores why COVID stays in the body of some people longer and what that means for you.

How Long Is COVID-19 Contagious?

As a general rule, most people with mild to moderate COVID are no longer contagious 10 days after symptoms first appear. But it can take longer for people with severe symptoms or weakened immune systems to clear the virus and no longer be contagious.

When you get COVID, you are contagious because your body is continuously shedding infectious particles (called viral shedding). Until viral shedding fully ceases, there is a chance you can infect others. The shedding can persist whether you have symptoms or not and even after you no longer test positive for COVID .

However, as time passes, the potential for infection dramatically decreases as there are generally too few viral particles for an infection to be viable.

According to a 2022 study published in Emerging Infectious Diseases, vaccinated people with mild or asymptomatic COVID experience shedding six to nine days after being diagnosed or developing symptoms. While shedding can persist well after this time, any viruses shed after the first 10 days are considered non-viable due to their low numbers.

The same may not be true for people who remain unvaccinated against COVID-19 . A 2022 study published in PLoS Pathology reported that unvaccinated people continue to experience viable shedding an average of 7.5 days compared to 6 days for those who were vaccinated.

While a 15% difference may seem incidental, as new variants of COVID-19 continue to emerge, the length of time people are contagious may change and the difference in shedding times between vaccinated and unvaccinated people may widen.

COVID-19: What to Do If Exposed or Diagnosed

In August 2022, the Centers for Disease Control and Prevention (CDC) revised its guidance on the isolation and quarantine of people with diagnosed or suspected COVID.

The CDC guidance varies based on whether you have been diagnosed with COVID:

  • If you test positive for COVID , you should stay at home for 5 days. If you have no symptoms or symptoms are clearing after 5 days, you can leave the house but should wear a face mask for the next 5 days. If you have a fever, you should stay at home until you are fever-free for 24 hours.
  • If you are exposed to COVID , regardless of your vaccination status or previous infection history, you should wear a mask when around others for 10 days and get tested on day 6. If you test negative, continue to wear a mask (when around others) through day 10. If you test positive, you should isolate immediately.

While isolating, the CDC recommends that you:

  • Stay home and separate from others as much as possible.
  • Do not travel
  • Use a separate bathroom, if possible.
  • Improve ventilation by opening windows, turning on exhaust fans and other fans, and using a HEPA air purifier if available.
  • Do not share personal household items, such as cups, towels, and utensils.
  • Wear a high-quality mask if around others.
  • Monitor your symptoms.

Why Some People Have Longer COVID Infection

For some people, a COVID infection can persist far longer than what would otherwise be expected. One such case presented at the 2022 European Congress of Clinical Microbiology & Infectious Diseases described an incident in which an immunocompromised person tested positive for 505 days until the time of their death.

As uncommon as this case may seem, it was not the only example. According to the presenters from King’s College London, a similar case was identified in London in which positive COVID test results were returned for more than a year in another immunocompromised individual.

While this shouldn't suggest that being immunocompromised inherently prevents you from clearing the virus, it may lengthen the time that COVID remains in the body.

Of seven other immunocompromised people monitored by the King's College researcher, the average duration of viable viral shedding was 73 days. Each had different reasons for their weakened immune state, including organ transplantation , HIV , cancer , and medical treatments used to treat other illnesses.

While the cause of this phenomenon is unknown, it is thought that the lack of an intact immune system provides the virus the opportunity to mutate and create variants that the immune system has a hard time clearing. These variants can then be passed into the larger population where they may or may not do harm.

Similar cases were identified in Spain and China where viral shedding persisted for 189 days and 169 days, respectively.

Viral Persistence and Long COVID

There is also evidence that COVID may persist in other tissues outside of the respiratory tract even when COVID tests show no sign of the virus.

According to researchers a Stanford University, who monitored 113 individuals with mild to moderate COVID, nearly half (49.2%) had evidence of viral shedding in their stool. Even after the nasal swab tests came back negative, 12.7% continue to shed the virus in their stools for the next 4 months. By month 7, 3.8% were still shedding the virus.

In theory, this might explain why certain people develop long COVID in which symptoms persist for more than 12 weeks even when tests show no evidence of the virus. In fact, the vast majority of COVID long haulers test negative for the virus.

What This Means For You

The amount of time that COVID stays in the body varies from person to person. That’s one reason why it’s important that you take steps to protect others if you are ill or think that you were in contact with someone who might have been.

If you have COVID or might have been exposed to someone who does, you can help curb the spread of the virus by staying away from others, monitoring your symptoms, and getting tested.

The best way to reduce your risk of infection is to stay up to date with COVID-19 vaccines.

The information in this article is current as of the date listed, which means newer information may be available when you read this. For the most recent updates on COVID-19, visit our  coronavirus news page .

Centers for Disease Control and Prevention. Ending isolation and precautions for people with COVID-19: interim guidance .

Stokel-Walker C. How long does SARS-CoV-2 stay in the body? BMJ. 2022;377:o1555. doi:10.1136/bmj.o1555

Sohn Y, Jeong SJ, Chung WS, et al. Assessing viral shedding and infectivity of asymptomatic or mildly symptomatic patients with COVID-19 in a later phase . J Clin Med . 2020 Sep;9(9):2924. doi:10.3390/jcm9092924

Takahashi K, Ishikane M, Ujie M, et al.  Duration of infectious virus shedding by SARS-CoV-2 Omicron variant–infected vaccines .  Emerg Infect Dis.  2022 May;28(5):998–1001. doi:10.3201/eid2805.220197

Garcia-Knight M, Anglin K, Tassetto M, et al. Infectious viral shedding of SARS-CoV-2 Delta following vaccination: a longitudinal cohort study . PLoS Pathog. 2022;18(9):e1010802. doi:10.1371/journal.ppat.1010802

Torjesen I. Covid-19: Peak of viral shedding is later with omicron variant, Japanese data suggest . BMJ 2022;376:o89. doi:10.1136/bmj.o89

Centers for Disease Control and Prevention. Isolation and precautions for people with COVID-19 .

Centers for Disease Control and Prevention. What to do if you were exposed to COVID-19 .

Nussenblatt V, et al, Yearlong COVID-19 infection reveals within-host evolution of SARS-CoV-2 in a patient with B-cell depletion .  J Infect Dis. 2022;225(7):1118-23. doi:10.1093/infdis/jiab622

Natarajan A, Zlitni S, Brooks EF, et al. Gastrointestinal symptoms and fecal shedding of SARS-CoV-2 RNA suggest prolonged gastrointestinal infection . Med. 2022 Jun 10;3(6):371-87.e9. doi:10.1016/j.medj.2022.04.001

Centers for Disease Control and Prevention. Long COVID and post-COVID conditions .

By Kayla Hui, MPH Kayla Hui, MPH is the health and wellness ecommerce writer at Verywell Health.She earned her master's degree in public health from the Boston University School of Public Health and BA from the University of Wisconsin-Madison.

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About one in four coronavirus patients developed long COVID, according to a new study.

While most people who test positive for COVID-19 are over their symptoms within a week or two, more research is showing that some people continue to report symptoms — and even develop new ones — three months after their initial positive test, lasting for months or even years.

A new study released by Help Advisor analyzed data from the U.S. Census Bureau Household Pulse Survey to find the rates of American adults developing long COVID.

The research showed that 24.4% of American adults who received a positive COVID-19 test have experienced symptoms that persisted for three months or longer.

Twenty-seven states reported rates higher than the national average. In Oklahoma, 34.1% of those who had COVID-19 reported having long COVID symptoms, the largest percentage for any state.

Those in Vermont and Washington, D.C., reported the lowest rates with just 16.5% developing long COVID.

woman getting tested for COVID

New York state was just below the national average with 21.6%, and New York City fell even lower with 20.6% reporting long-lasting symptoms.

Of those with long COVID, 31% of Americans said that the symptoms have reduced their ability to carry out daily activities.

However, 28 states reported higher rates of struggling to keep up with daily activities. In Hawaii, 50.8% of adults with long COVID reported that it impacted their daily lives.

Long COVID occurs when people continue to report symptoms that last for months or even years. Above, protestors gather during a Senate Health, Education, Labor and Pensions hearing to examine long COVID on Capitol Hill in Washington last month. 

While some may experience long COVID as a lingering cough or consistent fatigue, others have reported symptoms so severe that they’ve been hospitalized for long periods .

One woman has even requested assisted suicide as she claims her grueling bout with long COVID has robbed her of her life savings, the ability to get out of bed and the simple joys of living.

Previous research has found that long COVID was more common and severe in patients who were infected before the 2021 Omicron variant, unvaccinated or reinfected, and listed the defining symptoms as:

  • post-exertional malaise (debilitating fatigue that gets worse after physical or mental activity)
  • gastrointestinal symptoms
  • heart palpitations
  • issues with sexual desire or capacity
  • loss of smell or taste
  • chronic cough
  • abnormal movements

However, experts continue to call for more research to be done to better understand the impacts of the virus.

“Americans living with long COVID want to understand what is happening with their bodies,” said Dr. Rachel L. Levine, the U.S. assistant secretary for health.

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Will My Travel Insurance Cover Coronavirus?

Elina Geller

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

If you have upcoming travel plans and are considering a travel insurance policy, check if it covers COVID. Not all providers do, and it's important to know for sure. So, does your travel insurance cover COVID? How can you tell?

As with many things in life, the short answer is: "It depends." And the long answer is: You can only start to determine if your insurance covers COVID when you understand what type of coverage you have, which provider you bought it from and what the exact reason is for your trip cancellation.

While we can give general guidance as to most travel insurance plans, it is in your best interest to give your insurance provider a call to verify whether a given policy will cover coronavirus-related interruptions.

» Learn more: The best travel insurance policies that include COVID coverage

Reasons travel insurance typically covers

While not a comprehensive list (and remember all insurance policies are different), here are some standard reasons when a comprehensive travel insurance policy will kick in:

Sickness, injury or death.

Common carrier cancellations or delays.

Labor strike.

Car accident.

Hijacking or quarantine.

Home uninhabitable.

Destination uninhabitable.

Travel document theft.

Medical evacuation.

Military duty.

Military leave revoked.

Terrorist act.

New vaccination requirements.

Civil disorder.

Some of those reasons might apply to your specific coronavirus situation, such as if you are already ill or under quarantine by a doctor's orders. If you (or your travel companion) contract COVID-19, your travel insurance provider may cover cancellation for a medical reason. You will likely be required to submit a medical diagnosis from a physician.

Nonetheless, we recommend giving your travel insurance provider a call before your trip to verify coverage. And, since many airlines and hotels have loosened change and cancellation policies due to COVID-19, first try to get a refund from the travel supplier. It may be an easier process than dealing with the insurance provider.

Is coronavirus a foreseen event?

If you purchased travel insurance after the World Health Organization declared coronavirus a pandemic on March 11, 2020, then COVID-19 might be viewed by your insurance company as a foreseen event and it may not be covered.

In other words, the company says that you should have known about the potential risks but still chose to travel, so the cost of travel and its consequences are on you. We recommend checking with your insurance provider about the "known" or "foreseeable" status dates of the coronavirus outbreak and how this may affect your specific coverage.

Claims due to known, foreseeable or expected events, epidemics or fear of travel are generally not covered, and coverage can vary by state. However, until further notice, although not covered under most plans, some underwriters are currently accommodating claims for:

Under Emergency Medical Care and Emergency Medical Transportation Benefits: Emergency medical care and emergency medical transportation for a customer who becomes ill with COVID-19 while on their trip.

Under Trip Cancellation or Trip Interruption Benefits: Trip cancellation and trip interruption if a customer becomes ill with COVID-19 either before or during their trip.

Under Trip Cancellation Benefit: Nonrefundable, nontransferable trip cancellation expenses for customers who purchased their plan prior to January 22, 2020, for trip components in Mainland China, South Korea or the Lombardy or Veneto regions of Italy and departing prior to April 1, 2020.”

However, due to the evolving pandemic over the last few years, many providers have updated their policies to include coronavirus coverage. For example, in May 2021, Allianz announced the addition of epidemic-related covered reasons to its popular insurance plans. Plans are now offering accommodations for COVID-19.

» Learn more: Where U.S. citizens can travel right now

Is "I’m afraid to travel" a legit reason?

Almost all travel insurance policies have a "fear of travel" clause. According to AIG , one of the world’s largest travel insurance providers, "Trip cancellation for concern or fear of travel associated with sickness, epidemic, or pandemic, including Coronavirus, is not covered."

If you bought a ticket, then become afraid to travel because of any sickness, that is probably not a covered reason. If you want ultimate flexibility in canceling your trip for any reason, you’ll want to consider "cancel for any reason" (CFAR) travel insurance coverage.

Consider Cancel For Any Reason travel insurance

"Cancel For Any Reason" coverage allows you to cancel a trip for any reason and receive a partial refund (up to 75%) of your nonrefundable trip costs as long as the trip is canceled at least two days in advance. You cannot purchase CFAR coverage on its own; it is an optional upgrade that is sometimes available when you buy travel insurance. Not all providers offer it, so if you’re looking for the CFAR supplement, you’ll have to ask your travel insurance provider about it or filter your online search accordingly.

» Learn more: Cancel For Any Reason (CFAR) travel insurance explained

Use your credit card's built-in travel insurance

Comprehensive travel insurance policies offer the highest levels of trip cancellation and trip interruption coverage. Some premium travel credit cards include trip insurance as a complimentary benefit. Although the coverage limits may be below those offered by travel insurance companies on comprehensive plans, the limits may be sufficient for you. As with paid travel insurance, check with the provider to confirm if known conditions such as the coronavirus are covered.

» Learn more: Travel insurance benefits on American Express credit cards

As an example, we took a look at the policy for one of the popular travel cards, the Chase Sapphire Preferred® Card . There are some notable bullet points that are common across many programs.

Similarly, this insurance will not cover a "disinclination to travel based on a pandemic." If you decide that you don’t want to travel because you might get sick or you are afraid to go, you won’t be covered.

The insurance does clearly state, however, that if you are sick or hospitalized before or during your trip, you may be covered by the plan:

Accidental bodily injury, loss of life or sickness experienced by you or your traveling companion which prevents you or your traveling companion from traveling on the trip.

Accidental bodily injury, loss of life, or sickness experienced by an immediate family member of you or your traveling companion when the accidental bodily injury or sickness is considered life-threatening, requires hospitalization or such immediate family member requires care by you or your traveling companion.

If either you or your traveling companion becomes sick and you are prevented from traveling, you may be covered. Also note that if a family member of either you or your traveling companion requires hospitalization and you are needed to care for them, that may be covered as well.

As with all things insurance-related, if you have specific questions about your policy or your credit card’s coverage, it’s always best to give the company a call beforehand. Still, the general consensus is that if you’re afraid you might contract COVID-19, your insurance won't cover you.

» Learn more: Your guide to the Chase Sapphire Reserve's trip cancellation and travel insurance

How travel medical insurance differs

If your trip doesn't include nonrefundable trip costs paid to a travel provider or the trip insurance coverage you have from your credit cards is sufficient, purchasing a standalone travel health insurance policy may be your best bet for an upcoming trip.

These policies provide reimbursement for emergency medical expenses, including evacuations, while you’re traveling. Again, it's important to check if the policy you’re considering has any clauses related to pandemics or exclusions for travel to countries that have current travel advisories to ensure you don't nullify your medical coverage.

» Learn more: Travel medical insurance: emergency coverage while you travel internationally

It depends. Fear of travel generally isn't an allowable reason, so you won't benefit from trip cancellation coverage for nonrefundable payments made to a trip supplier. The reason for cancellation has to fall into one of the unforeseen events listed in the policy. However, if you’ve purchased a CFAR add-on and want to cancel, you will be covered for up to 75% of your nonrefundable deposit as long as you cancel at least two days before the departure date.

Although staying home is the best way to safeguard yourself and others from catching coronavirus, there are some general precautions you can take to reduce the spread. According to the CDC, a few ways include: Checking if the destination you’re going to has increasing cases in the past seven days, knowing whether you’re at an increased risk for severe illness from coronavirus and staying up to date with the airline’s and destination’s requirements/restrictions for travelers (such as wearing masks, enforcing quarantine, etc.). If you choose to travel, consider purchasing a travel insurance policy or a standalone emergency medical insurance plan just in case.

Although staying home is the best way to safeguard yourself and others from catching coronavirus, there are some general precautions you can take to reduce the spread. According to the CDC, a few ways include: Checking if the destination you’re going to has increasing cases in the past seven days, knowing whether you’re at an increased risk for severe illness from coronavirus and staying up to date with the airline’s and destination’s

requirements/restrictions for travelers

(such as wearing masks, enforcing quarantine, etc.). If you choose to travel, consider purchasing a travel insurance policy or a standalone emergency medical insurance plan just in case.

How can I be sure if my travel insurance covers COVID?

Deciding whether to travel during the coronavirus pandemic is a personal decision. Get familiarized with the different insurance protections and airline change/cancellation policies that may be applicable for your trip, as they could help you get your money back in the event of a trip cancellation.

When considering the health implications of travel, keep in mind that travel medical insurance is an option, especially if you don’t need the trip cancellation coverage provided by comprehensive policies. Regardless of which policy you choose, confirm that coronavirus-related losses are covered by insurance before purchasing coverage.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

Chase Sapphire Reserve Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®.

Chase Sapphire Preferred Credit Card

1x-5x Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

Chase Southwest Rapid Rewards® Plus Credit Card

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

30,000 Limited-time offer: Earn Companion Pass® good through 2/28/25 plus 30,000 points after you spend $4,000 on purchases in the first 3 months from account opening.

delta trip insurance covid

TravelPulse

TravelPulse

How to Make Air Travel Less of a Nightmare

Posted: November 5, 2023 | Last updated: November 17, 2023

The holiday travel season will be here before we know it, and you know what that means. Along with more people traveling and the potential for winter weather comes more flight cancellations, an increase in flight delays and general mayhem in airports across the United States.And, let's face it. Air travel has become more of a hassle over the years anyway, especially since the pandemic. Research shows that <a href="https://www.travelpulse.com/voices/opinions/can-airlines-handle-the-increased-demand-and-travel-load-this-holiday-season">travel demand is still high</a> at the moment, and that has led to fuller planes, longer security lines and more crowds in general for travelers trying to get from place to place.With a new report (<a href="https://c212.net/c/link/?t=0&l=en&o=4010429-1&h=3822470162&u=https%3A%2F%2Fhubs.ly%2FQ026NP3P0&a=The+Tipping+Point+for+Travel+Loyalty%3A+2023+Holiday+Travel+Trends">The Tipping Point for Travel Loyalty: 2023 Holiday Travel Trends</a>) showing that 54 percent of adults plan to travel this holiday season compared to just 40% last year, it's crucial to have a plan for the airport that can help you avoid unnecessary stress, long waits and financial losses. Here are some moves you can make to avoid common air travel pitfalls and have a more enjoyable travel experience overall.

Young frustrated man at airport

Fuller flights and <a href="https://www.travelpulse.com/news/airlines-airports/united-airlines-forecasts-sustained-international-travel-demand">increased travel demand</a> mean you may have to wait longer to check into your flight in the first place, and that lines at TSA can be lengthier than normal. These are reasons you should do yourself a favor and arrive at the airport a little earlier than you could just a few years ago.Most airlines suggest arriving two hours before your flight departs, but arriving up to three hours before departure can give you more time to move through the airport and some wiggle room if traffic holds you up before you even get there.

Terminal 3 at Los Angeles International Airport.

Flying first thing in the morning can also help your travels go smoother, especially if your flight winds up canceled or delayed. If you have an <a href="https://www.travelpulse.com/news/airlines-airports/study-finds-happiest-flights-happen-on-wednesdays-early-morning-hours">early flight</a>, you are much more likely to get rebooked on subsequent itineraries the same day so you can still arrive at your destination on time.This is especially true if you fly with one of the major airlines (American, Delta, United, etc.) or with an airline that offers multiple flights to your destination each day of the week.

Travel to Paris. Eiffel tower at sunrise

This brings us to the next tip. Avoid flying with <a href="https://www.travelpulse.com/news/airlines-airports/united-airlines-ceo-calls-out-ultra-low-cost-carriers">discount carriers</a> that don't work with partner airlines and have limited flights to various destinations every month. Searching for flights with a carrier like Allegiant or Spirit is the best way to learn that these carriers may only offer a few flights to each destination they visit throughout the week.This means that, if your flight is canceled or delayed, you may have to wait days (instead of hours) to begin your vacation or get home after the fact.

Spirit Airlines Airbus A320 taking off.

Consider applying for TSA PreCheck, Global Entry or both if you're a frequent traveler. These memberships can help you cut down on time spent in security lines at the airport (TSA PreCheck), or at customs and immigration when you arrive back in the U.S. after an international trip (Global Entry).Also note that <a href="https://www.travelpulse.com/news/airlines-airports/tsa-precheck-adds-four-new-participating-airlines">TSA PreCheck</a> is automatically included at no cost with Global Entry membership, so you can get a two-for-one deal by choosing Global Entry in the first place. Also be aware that many travel credit cards offer a fee credit for either of these memberships as a cardholder perk.

TSA PreCheck entrance at Spokane International Airport

Your airline's app can make travel easier and better in more ways than one. Not only do airline apps give you constant updates on your flight's status, but they can let you know the next gate you're going to and even update you when your checked bags are on your plane.In the event your flight is canceled or delayed, your <a href="https://www.travelpulse.com/News/Features/Travel-Apps-Everyone-Should-Have-Downloaded">airline's mobile app</a> might even let you move your flight yourself without getting in line for help.

Updated United Airlines app.

Having <a href="https://www.travelpulse.com/news/airlines-airports/how-to-navigate-the-airport-lounge-scene">airport lounge access</a> gives you a place to enjoy drinks and snacks in peace and quiet, which can be crucial when you're arriving at the airport early, you have a long layover or your flight is delayed.While you can pay for access with individual airlines or buy a broad airport lounge membership through networks like Priority Pass, many travel credit cards offer airport lounge membership as a cardholder perk.

Alaska Airlines SFO Lounge

The <a href="https://www.travelpulse.com/Gallery/Features/Top-Luggage-Suitcases-for-Travel">right luggage for a trip</a> can vary depending on how much stuff you need to bring along. You can also pick from different types of luggage, including hard shell suitcases, soft shell luggage and even duffel bags that can fit almost anywhere.Regardless, you will want to think long and hard about how much luggage space you actually need before you settle on a bag to buy or use one you already have. Our advice? Only bring what you need on your trip and nothing more, and try to avoid checking a bag unless you absolutely have to.

Young woman heading toward her departure gate at the airport and wearing a mask amid the COVID-19 pandemic.

Finally, make sure you purchase robust <a href="http://urance">travel insurance protection</a> for every trip you take. Having travel insurance won't prevent mishaps from happening each time you fly, but it can mean getting reimbursed when your bags are lost or delayed or a trip delay leaves you paying for meals and hotel stays out-of-pocket.While many companies offer excellent travel insurance policies online, make sure to look for a plan with adequate benefits and limits for emergency medical expenses, emergency medical evacuation, trip cancellations and interruptions, travel delay coverage and protection for lost and delayed baggage.

travel insurance

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Florida to release more COVID-19 data following lawsuit settlement

delta trip insurance covid

Florida's Department of Health agreed to a settlement requiring it to provide more detailed COVID-19 data, after a group sued in 2021 for the release of records during the state's COVID-19 surge.

The new data will detail vaccination counts, case counts and deaths. It'll be aggregated weekly for the next three years, grouped by county, age group, gender and race.

The department provides more general COVID-19 data every two weeks.

"COVID-19 data will shift from the previously published Biweekly Reports and now solely be available on Florida CHARTS alongside all other public health data," Jae Williams, the department's press secretary, said.

The court did not order the state to display the data but the department decided to do so, he said.

The department will also have to pay $152,500 in legal fees. The plaintiffs in the lawsuit included former Rep. Carlos Guillermo Smith , D-Orlando; the Florida Center for Government Accountability; the USA TODAY Network; the Miami Herald; the Associated Press; Scripps Media Co.; The New York Times; The Washington Post; the Sun-Sentinel; the Tampa Bay Times and the First Amendment Foundation.

“All Floridians have a constitutional right to public records and the right to receive critical public health data in a timely manner in order to make informed decisions impacting the health and safety of their families," Smith said in a Monday press release.

"The Department lied about the existence of these public records in court and did everything to restrict information and downplay the threat of COVID even while the delta variant ripped through Florida – a decision that cost many lives," said Smith, who is running for a state Senate seat. "The DeSantis Administration settled in our favor because they knew what they did was wrong."

The governor's office referred a media request to the Florida Department of Health.

Williams, the department's press secretary, called Smith's news release a "political stunt" and its characterization strange, pointing to a line in the settlement agreement that reads it "is not and shall not in any way be construed as an admission by any Party of any wrongdoing or any violation of any law."

"It is unfortunate that we have continued to waste government resources arguing over the formatting of data with armchair epidemiologists who have zero training or expertise," Williams told the USA TODAY Network in an email. "While some individuals may continue to grapple for political relevancy and disregard providing the public with the truth, we will continue serving Floridians by executing our core mission of protecting, promoting, and improving the health of all people in Florida. "

What spurred the lawsuit?

An Orange County Board member requested Smith gather data from the state Department of Health on pediatric hospitalizations and cases. This happened as the state was the epicenter of the COVID-19 surge during the summer of 2021 from the delta variant and ranked No. 1 in pediatric cases .

The department denied Smith's request, stating in part, that the data for Orange County is "confidential and exempt from public disclosure” under Florida statutes and rules.

The nonprofit watchdog organization Florida Center for Government Accountability made the same records request for all of Florida's 67 counties and the request was denied for the same reasons.

The watchdog group and Smith filed suit. Several major news media companies, including the USA TODAY Network, joined the suit . So did the First Amendment Foundation.

The department claimed in court that the requested records didn't exist, according to a press release. But the department released the records in March following a state appellate court order.

The parties agreed to a settlement after the watchdog group informed the department that those records satisfied the public records requests made almost two years before, according to the release.

Michael Barfield, director of public access initiatives at the Florida Center for Government Accountability, said the department hid the records to validate a narrative the state was open for business.

“Transparency and accountability are not negotiable. The Constitution mandates it,” he said.

DeSantis uses COVID-19 record to build support

The settlement comes during Gov. Ron DeSantis' presidential campaign . The Republican has used his COVID-19 record to try and gain more support in his White House bid.

He rose to conservative stardom early in the pandemic in large part due to his COVID-19 policies, such as penalizing mask and vaccine mandates.

His administration, at the same time, slow-walked or refused coronavirus-related public information requests, drawing controversy and lawsuits, such as those by Smith and the Florida Center for Government Accountability.

He picked Joseph Ladapo as Florida's surgeon general. Ladapo, who's also named in the lawsuit, frequently defies medical consensus to boost vaccine skepticism .

Attempting to chip away at some of the MAGA vote, DeSantis has elevated coronavirus and vaccine skepticism conspiracies and attacked Trump for the COVID-19 restrictions that happened during his presidency.

"Why are we in this mess? Part of it, and a major reason is because how this federal government handled COVID-19 by locking down this economy," DeSantis said during the first GOP presidential primary debate. "It was a mistake. It should have never happened. And in Florida, we led the country out of lockdown."

News sources joined lawsuit: USA TODAY Network, other Florida news organizations join public records lawsuit

How it started: Two months later, finding Florida COVID data by county can be frustrating — but possible

This reporting content is supported by a partnership with Freedom Forum and Journalism Funding Partners.

Reporter Douglas Soule can be reached at [email protected] or on X, formerly known as Twitter, @DouglasSoule .

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' class=

My friend and I plan to return to Samara this November so we're interested in what the Covid situation is in the Nicoya peninsula.

Anyone currently in Costa Rica who can enlighten us on where the hot spot infections are or why there's been such a rise in cases in the last couple of months?

(Here in Ontario, Canada, the biggest hotspots are around large workplaces in urban areas.)

I'd appreciate any insight.

Tripadvisor staff removed this post because it did not meet Tripadvisor's forum guideline limiting each user to a single forums screen name.

Thanks for the quick response. Agreed that November is a long way off, and situations change month to month. I'm more interested in knowing the problem areas that exist now. Your reply was really helpful. Gracias!

' class=

The CR Ministry of Health has a break down of the currently reported Covid cases by areas and other criteria, if this is what you are looking for - https://www.ministeriodesalud.go.cr/index.php/centro-de-prensa/noticias/741-noticias-2020/1725-situacion-nacional-covid-19 . It is from April 27.

Excellent. Yes, this is exactly what I'm looking for. Thank you, S-O.

Samara is not listed individually on the link posted above. However it is located in the canton of Nicoya so that is where the data is for the location. Just an FYI!

Very kind of you to point that out. I was looking at Guanacaste in the charts but Nicoya is more specific. Thanks, Locked.

delta trip insurance covid

It can't be helpful that they're not requiring negative tests from visitors, either

https://www.visitcostarica.com/en/costa-rica/planning-your-trip/entry-requirements

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Delta SkyMiles® Gold American Express review: The card for the occasional Delta flyer 

Photo of Delta SkyMiles® Gold American Express Card on a green and mustard yellow abstract background

Our take: The Delta SkyMiles® Gold American Express Card is a fine option for those not-so-frequent Delta flyers who can benefit from saving on checked bag fees when flying domestic within the United States and want to earn additional SkyMiles with their purchases along with the card’s welcome bonus. In exchange for a modest annual fee, the card comes with Delta-related perks along and a few travel-related protections for when you’re on the road. 

  • $0 introductory annual fee for the first year, then $150.  
  • Free first checked bag free when flying Delta for up to nine passengers on the same reservation
  • Cardholders get 15% off award travel bookings on Delta metal
  • No perks when flying airlines other than Delta
  • Has an annual fee after the first year
  • Some of the potential credits can be hard to use

Delta SkyMiles® Gold American Express Card: Overview

Card type: Airline

If you fly Delta regularly but not enough to earn any kind of elite status with the airline, the best benefit this card will get you is your first checked bag free on every flight you take with them for you and up to 8 other fellow travelers on the same reservation. This alone could help you save hundreds of dollars a year.

The card also offers a 15% off discount on mileage redemptions that could potentially help you stretch the value of your hard-earned miles, plus a few other potentially valuable benefits. You can get up to $100 off a hotel or vacation rental booked through Delta Stays and bigger spenders can get a $200 Delta flight credit after you spend $10,000 in purchases in a year. However, if you’re putting that much on a Delta card, you’d be better off with one of Delta’s more premium cards, like the Delta SkyMiles® Platinum American Express Card or Delta SkyMiles® Reserve American Express Card , both of which come with richer benefits, a companion pass and the ability to earn elite status points with every dollar you spend.

Who is the Delta SkyMiles® Gold American Express Card good for? 

If you are a Delta SkyMiles member but you don’t fly the airline frequently enough to earn elite status in the program, this card may be right for you. It can help you save at least $30 per bag on checked bag fees on every domestic flight within the United States when flying economy class on Delta, so it only takes four flights with the airline to recoup the value of the annual fee after the first year.

Who shouldn’t get Delta SkyMiles® Gold American Express Card?

If you are an avid Delta Air Lines flyer and hold any elite status with the airline, there is very little extra value this card would bring you. You already receive at least one free checked bag starting with Silver status and get priority boarding, so this card wouldn’t add much in the way of perks. There are other, better-fitting cards with other premium benefits in the market. 

If you have previously held this card and earned the welcome bonus, do keep in mind that applying for the Delta SkyMiles® Gold American Express Card for a second time will most likely result in you not getting your bonus a second time as American Express limits your eligibility to once per lifetime.

Delta SkyMiles® Gold American Express Card: How to earn Delta SkyMiles®

Every purchase you charge to this card will help you earn Delta SkyMiles, but some categories earn a higher rate, as follows: 

  • 2X miles at restaurants worldwide, including takeout and delivery in the U.S. .
  • 2X miles at U.S. supermarkets.
  • 2X miles on Delta purchases made directly with the airline.
  • 1X mile on all other eligible purchases.

On top of the potential mileage earned every time you swipe your card, new cardmembers can earn a welcome bonus of 70,000 Bonus Miles after you spend $3,000 in purchases on your new Card in your first 6 months of Card Membership.

To view rates and fees of the Delta SkyMiles® Gold American Express Card, see  this page

How to redeem Delta SkyMiles® 

The miles you earn through your credit card spend can be redeemed just like those miles you earn when flying. While you can use them to get a multitude of rewards, the most straightforward and valuable redemption is to book award travel.

Delta no longer maintains an award chart and instead, award flights are priced dynamically based on cash price, demand, and seasonality. While this has meant there are more available seats on every flight for you to snag using your miles, it’s also made some redemptions rather pricey.

As a member of the SkyTeam alliance, Delta Air Lines partners with several other airlines. Thanks to that, you can use your miles to book award flights on any of these worldwide partners like Air France and KLM to fly to Europe, Aeromexico or Aerolineas Argentinas to fly to South America, and even Korean Air and Kenya Airways to get to Asia and Africa, respectively.

Other uses for your miles include redeeming them for seat upgrades, pay for additional service fees like change fees and same-day confirmed fees and even get a Delta Sky Club membership.

Delta SkyMiles® Gold American Express Card rates and fees

  • Annual fee: $0 introductory annual fee for the first year, then $150.
  • Foreign transaction fee: None.
  • Purchase APR: 20.99%–29.99% variable APR

Additional benefits

  • First checked bag free, which will help you save at least $30 on each domestic flight within the U.S. when you fly on Delta.
  • 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app (discount not applicable to partner-operated flights or to taxes and fees).
  • $200 Delta flight credit after you spend $10,000 in purchases in a year.
  • $100 Delta Stays credit each year when you use your Delta Gold Card to book prepaid hotels or vacation rentals through Delta Stays. 
  • 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your card.
  • Baggage insurance plan so you can be protected in the case your bags are lost, damaged or stolen. Coverage protects up to $1,250 for your carry-on bags and up to $500 for checked luggage when the entire fare of your ticket is paid using this card.
  • Car rental loss and damage insurance when you use your card to reserve and pay for the entirety of your rental and decline the collision damage waiver provided by the rental agency. This protection provides secondary coverage for your rental for damage or theft, and does not include liability coverage.

Credit cards similar to Delta SkyMiles® Gold American Express Card

With so many travel cards to choose from, it can seem overwhelming at first. Delta Air Lines credit cards earn SkyMiles, but unless you’re finding value in the specific fee waivers for baggage, there are a plethora of cards that can offer better value. 

Chase Sapphire Preferred ® Card vs. Delta SkyMiles® Gold American Express Card

If you’re not committed to Delta but would still like to enjoy some perks when traveling, consider the $95 annual fee Chase Sapphire Preferred ® Card . The card allows you to earn Ultimate Rewards® points that can be redeemed for cash back, used to book travel, or  transferred at a 1:1 ratio to a multitude of airline and hotel programs, or redeemed towards travel booked through Chase at an elevated rate of 1.25 cents per point.

The Chase Sapphire Preferred also earns 5x points on travel purchased through Chase Ultimate Rewards® (excluding hotel purchases that qualify for the $50 Annual Ultimate Rewards Hotel Credit), 3x points on dining including delivery, as well as 3x points on select streaming services and online grocery purchases (excluding Walmart, Target and wholesale clubs). All other travel purchases earn 2x points per dollar and everything else earns 1x point per dollar.   

This card comes with a welcome bonus of 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening (that's $750 toward travel when redeemed through Chase Ultimate Rewards®).

Delta SkyMiles® Platinum American Express Card vs. Delta SkyMiles® Gold American Express Card

If you want more benefits and are not averse to paying a $350 annual fee, the Delta SkyMiles® Platinum American Express Card packs enough perks to take the sting off the ownership cost. Card perks include a leg-up on elite status with a $2,500 Medallion Qualification Dollars benefit each Medallion Qualification Year and earning one MQD for every $20 you spend on the card, a $150 Delta Stays Credit for hotels or vacation rentals booked through the Delta Stays site, and up to $10 back in statement credits each month after you use your card to pay for U.S. rideshare purchases with select providers.  You’ll also enjoy your first checked bag free when flying Delta as well as the 15% off of award travel redemptions, plus up to $100 credit every 4 years towards your application  fee for Global Entry or TSA PreCheck.

On top of that, you also earn a companion certificate good for Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your card. This can help you save hundreds in travel when you fly with a companion and could easily outweigh the card’s ownership cost.

To view rates and fees of the Delta SkyMiles® Platinum American Express Card, see this page

Is the Delta SkyMiles® Gold American Express Card right for you?

The Delta SkyMiles® Gold American Express Card is a solid credit card for those who typically fly Delta but not often enough to qualify for elite status with the airline. The card will help you offset checked bag fees as well as earn SkyMiles with every transaction. When it comes time to redeem your miles, cardmembers enjoy a 15% reduction in the cost of mileage for those sought-after Delta award flights.

Frequently asked questions

Do i get access to the delta sky club with the delta skymiles® gold american express card .

  • The Delta SkyMiles® Gold American Express does not come with access to any lounges. If you’re looking for a card that grants you access to any of the Delta Sky Club locations, you may want to consider cards like the Delta SkyMiles Reserve and Delta SkyMiles Reserve Business card, the Delta SkyMiles Platinum or the Delta SkyMiles Platinum Business card..

How do I take advantage of my free first checked bag benefit?

  • All it takes for Delta to waive your first checked bag fee is booking your ticket using your Delta SkyMiles® Gold American Express or any other eligible Delta card. The benefit applies to up to eight additional travel companions on the same reservation for a total of nine passengers. 

Do I get 15% off of Delta flights when I buy tickets with my card?

  • The 15% off discount only applies when booking award travel on Delta flights using your SkyMiles, but does not apply to cash tickets paid for with your card. To take advantage of the 15% discount, log in to your Delta account and choose “Shop with Miles” to search for flights. The discount will be applied automatically, but it does not cover partner-operated flights or taxes and fees.  

Please note that card details are accurate as of the publish date, but are subject to change at any time at the discretion of the issuer. Please contact the card issuer to verify rates, fees, and benefits before applying.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company

EDITORIAL DISCLOSURE : The advice, opinions, or rankings contained in this article are solely those of the Fortune Recommends ™ editorial team. This content has not been reviewed or endorsed by any of our affiliate partners or other third parties.

American Express credit card reviews

American express® business gold card review:  a lucrative rewards card that adapts to your spending habits, american express business platinum review: this heavy metal is a banger for business travelers, blue business® plus credit card from american express review: a solid business rewards card with a 12-month 0% introductory apr, blue cash preferred® card from american express review: high cash back rewards at u.s. supermarkets and streaming services, american express blue cash everyday® card review: 3% cash back on popular categories with no annual fee, american express national bank review 2023: above-average apys, but existing cardholders benefit the most, american express green card review: valuable rewards for a modest fee, american express gold card review: the big cheese when it comes to dining cards, delta skymiles reserve review: the card for flyers who want lounge access, the american express everyday card review: a decade-old amex desperately in need of an update, the platinum card from american express review: perfect for show-offs, hilton honors card review: great rewards for no annual fee.

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Flying From Los Angeles

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Where are we flying, join skymiles, partner spotlight: bob hope uso.

Many destinations have travel requirements in place as a result of the COVID-19 pandemic, including proof of negative COVID-19 test result. Please review the COVID-19 Travel Requirements before booking.

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A portion of travel for some itineraries may be on the Delta Connection® carriers: Endeavor Air, Inc., Inc., Republic Airways, and SkyWest; Delta Shuttle® carrier: Republic Airways; SkyTeam partners: Air Europa, Air France, Airlinair, Air One, Air One City Liner, BritAir, China Airlines, China Eastern, China Southern, CSA Czech Airlines, ITA Airways, KLM, and Korean Airlines; or Delta codeshare partners: CAI Second, Brit Air dba Air France, City Jet dba Air France, Hawaiian Airlines, Horizon Air Industries dba Horizon, KLM CityHopper, LATAM Airlines, Olympic Air, Privilege Style, Regional CAE dba Air France, Shanghai Airlines, SwiftAir, Virgin Atlantic International, Virgin Australia International, Virgin Australia Limited NZ dba Virgin Australia, VLM Airlines, and WestJet. *Terms & Conditions

Restrictions |  Advertised fares are based on real-time itinerary pricing available at delta.com. Fares are subject to availability and may change at any time prior to completion of ticketing.

Maximum Stay |  1 year

Main Cabin | Fares, fees, rules, and offers are subject to change without notice. Other restrictions may apply.

Delta Comfort+ |  Some aircraft may not offer Delta Comfort+ seating. Itineraries with segments on single-cabin aircraft may include seat assignments in Main Cabin rather than Delta Comfort+. Please check your itinerary for details.

Cancellations/Refunds/Changes |  Tickets are non-refundable except in accordance with Delta’s cancellation policy. Fees may apply for downgrades/reissues and itinerary changes. Contact a Delta agent or visit delta.com for details. For Award tickets, changes to origin, destination, routing, date and time are permitted except for Basic Economy tickets, and the mileage difference (and any applicable taxes) for the new Award ticket will apply. Members may change or cancel Award tickets without a redeposit or change fee for travel originating from North America to anywhere in the world (including flights operated by joint venture and codeshare partners), excluding Basic Economy fares. Basic Economy Award Travel tickets are non-changeable and non-refundable, but may be canceled before departure for a cancellation charge which will be assessed in miles. Any remaining mileage balance will be redeposited into your SkyMiles account. Mileage difference, taxes and fees apply for any changes. Changes to Pay with Miles tickets are determined by the fare rules of the ticket purchased.

Award Travel |  Award Travel is subject to government-imposed taxes and fees and carrier-imposed charges, which are the responsibility of the passenger and must be paid at the time the ticket is booked. Taxes/fees/carrier-imposed charges depend upon the itinerary, and will range from $11.20 and $113 round-trip for Basic Economy travel within the U.S. and Mexico. Award Seats are limited and may not be available on all flights or in all markets.

SkyMiles |  All SkyMiles program rules apply to SkyMiles program membership, miles, offers, mile accrual, mile redemption and travel benefits. To review the rules, see  Membership Guide & Program Rules .

Baggage Charges |  For travel within the United States (including Puerto Rico), $30 USD fee for 1 checked bag and $40 USD fee for second checked bag. For travel between the United States and the U.S. Virgin Islands, Central America, Caribbean, Guyana, & Bermuda, $30 USD fee for 1 checked bag and $40 USD fee for second checked bag.  For travel between the United States and Mexico, $30 USD fee for 1 checked bag and $55 USD fee for second checked bag.  For travel between the United States and El Salvador and Ecuador, $40 USD fee for second checked bag.  For travel between the United States and Panama, $30 USD fee for 1 checked bag (Basic Economy only), and $40 USD fee for second checked bag.  For travel between the United States and South America (excluding Guyana & Ecuador), no fee for checked bag.  For travel between United States and Europe, 100 USD or 85 EUR1 fee for second checked bag.  Allowances subject to size/weight limits.  For travel between United States and Asia or Australia, no fee for first or second checked bag. Allowances subject to size/weight limits. Contact a Delta agent or see Excess Baggage for details. 1EUR amounts will be charged when exiting Europe, respectively.

Allowances subject to size/weight limits. Contact a Delta agent or see Excess Baggage for details. 

Miscellaneous |  Fares, fees, rules, and offers are subject to change without notice. Other restrictions may apply.  Delta Vacations |  Offer subject to change without notice; other restrictions may apply. All SkyMiles® Program rules apply. To review the rules, please visit delta.com/memberguide. Bonus miles do not count toward Medallion® Status or Million Miler™ status. Offers void where prohibited by law.

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IMAGES

  1. COVID travel insurance: What's covered (and what isn't) for trips

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  2. COVID travel concerns surge along with delta variant, trips canceled

    delta trip insurance covid

  3. Is Delta Trip Insurance Worth It?

    delta trip insurance covid

  4. Travel Insurance Guide in COVID-19 times

    delta trip insurance covid

  5. Is Delta Trip Insurance Worth It?

    delta trip insurance covid

  6. COVID-19 Travel Insurance: What Canadians Need to Know

    delta trip insurance covid

COMMENTS

  1. Travel Protection Plan

    As an exception, travel certificates issued during the COVID-19 situation are valid for bookings made through December 31, 2023, for travel throughout 2024. For more information please click here. Delta Vacations Travel Protection Plan & Travel Protection Plus Flight + Hotel (+Car/Transfers) Flight + Car Hotel + Car/Transfers Destination Weddings

  2. Trip Protection Search: Delta Air Lines

    Domestic Stay safe while traveling abroad. The U.S. State Department recommends trip protection because most health insurance policies won't cover you outside the country.

  3. Delta Trip Protection: What to Know

    If you experience an emergency illness or injury while on your trip, Delta travel insurance covers up to $10,000 in medical and dental expenses you incur for a covered occurrence. Emergency...

  4. What Delta's New COVID-Related Policies Mean for You

    Here's your guide to Delta's coronavirus response, from change and cancellation policies to extensions for Medallion elite members.

  5. Travel Protection Plan

    Delta Vacations Travel Protection Plan & Travel Protection Plus WHY TRAVEL PROTECTION? Your vacation is an investment of time and money. Delta Vacations, in conjunction with Trip Mate, the foremost provider of travel protection plans and travel insurance, help assure your investment, yourself, and your family are protected from the unexpected.

  6. Best Covid-19 Travel Insurance Plans Of 2024

    Best Covid Travel Insurance Policies Travel Insured - Worldwide Trip Protector WorldTrips - Atlas Journey Premier/Atlas Journey Preferred Seven Corners - Trip Protection Choice/Trip...

  7. Does travel insurance cover covid? We answer your questions.

    What does it cover? Is it worth the cost? Comments Subscribe to comment and get the full experience. Choose your plan → This week's By The Way Concierge is a crash course in travel insurance.

  8. How to insure your trip amid airline cancellations

    Delta: 66; PSA: 65; ... "If you're worried about contracting Covid, a standard travel insurance policy is fine," Moncrief said. "If you have any other Covid-related concerns, that's when you want ...

  9. What Travel Insurance Covers COVID Quarantine?

    Is There Travel Insurance That Covers COVID Quarantine? You may need to quarantine before returning the U.S., and travel insurance can protect your out-of-pocket expenses. By Carissa...

  10. Should the Delta Variant Change Your Travel Plans?

    According to the Centers for Disease Control and Prevention (CDC), the highly transmissible Delta variant accounted for 93.4% of new COVID-19 infections in the United States during the last two weeks of July. Verywell asked experts to weigh in on what you should consider as you reevaluate those late summer or early fall travel plans.

  11. Omicron and Travel: So, Now Do I Need Trip Insurance?

    For the most part, yes, travel insurance policies now treat Covid-19 in all its variants — including Omicron — like any other medical emergency.

  12. How the COVID-19 Delta variant affects travel insurance

    By bundling in benefits that support travelers in medical emergencies, including COVID-related incidentals, it helps relieve some worries of "what if." For example, if someone gets COVID or...

  13. Travel Insurance: Is It Worth It?

    When Covid-19 hit, travel insurance didn't help many travelers recover the cost of their canceled trips. ... bought two nonrefundable fares on Delta.com for a September trip to several national ...

  14. Why You Need COVID Travel Insurance for Summer Trips

    Other countries only require travel insurance if you're unvaccinated. For example, Singapore requires unvaccinated travelers to carry travel insurance with a minimum of S$30,000 coverage (about US$22,000). Vaccinated travelers are encouraged, but not required, to have insurance. TSA Extends Plane Mask Mandate Until April.

  15. The 5 Best COVID-19 Travel Insurance 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 ...

  16. Travel Requirements Guide

    Plan your next domestic trip now using our Delta Discover Map . COVID-19 Testing Resources Some countries are requiring proof of a negative COVID-19 test before travel.

  17. What Is Flight Insurance and Is It Worth It?

    What Is Flight Insurance? Flight insurance is generally a contract between you and an airline, travel provider or travel insurance company that specifies how and under what circumstances...

  18. How Long Does COVID-19 Stay In Your Body?

    The length of time that COVID-19 stays in the body can vary, but most people who get COVID are no longer contagious after 10 days. Those with severe COVID may remain infectious beyond 10 days and need to isolate for up to 20 days. However, there are people in whom COVID has been known to persist for months rather than weeks.

  19. 1 in 4 COVID patients developed long-haul symptoms, study reveals

    In Oklahoma, 34.1% of those who had COVID-19 reported having long COVID symptoms, the largest percentage for any state. Those in Vermont and Washington, D.C., reported the lowest rates with just ...

  20. Does Travel Insurance Cover COVID?

    Does Travel Insurance Cover COVID? - NerdWallet Travel Will My Travel Insurance Cover Coronavirus? Will My Travel Insurance Cover Coronavirus? Look into your travel insurance...

  21. Delta Air Lines Adds New Flights From Austin, Texas

    Delta Air Lines continues to expand its network, with new flights being added in 2024 out of Texas. ... Best Covid Travel Insurance Plans By. Amy Danise. Editor. Summer 2024 Schedule Growth Across ...

  22. How to Make Air Travel Less of a Nightmare

    Traveling by air is one of the great luxuries of the modern age. It can also be one of the great trials, what with crowded airports, overbooked flights and questionable food. To make your next ...

  23. Travel Planning FAQs

    Travel Flexibility Change & Cancel What if my ticket is about to expire? Delta tickets normally expire one year from the date of purchase. However, for additional flexibility, all tickets expiring in 2022 and all new tickets purchased in 2022 will be able to be rebooked through December 31, 2023 for travel now through 2024.

  24. Florida releasing more COVID-19 data after settling records lawsuit

    Florida's Department of Health agreed to a settlement requiring it to provide more detailed COVID-19 data, after a group sued in 2021 for the release of records during the state's COVID-19 surge.

  25. Rising Covid infections in Costa Rica

    Thanks for the quick response. Agreed that November is a long way off, and situations change month to month. I'm more interested in knowing the problem areas that exist now.

  26. Delta SkyMiles® Gold American Express review: The card for the

    $100 Delta Stays credit each year when you use your Delta Gold Card to book prepaid hotels or vacation rentals through Delta Stays. 20% savings in the form of a statement credit on eligible Delta ...

  27. Supply and insurance issues snarl fall Covid-19 vaccine campaign for

    Kira Kiessling, 38, of Washington DC, recently booked appointments for her flu and Covid-19 vaccines in anticipation of an upcoming business trip. She wanted to be protected.

  28. Americans Will Need This New Document For 2025 European Travel

    The document will cost about $7.50 and be valid for three consecutive years. For now, most Americans will need only a passport to visit most of the Schengen countries. But when ETIAS finally kicks ...

  29. Flying From Los Angeles

    Award Travel | Award Travel is subject to government-imposed taxes and fees and carrier-imposed charges, which are the responsibility of the passenger and must be paid at the time the ticket is booked. Taxes/fees/carrier-imposed charges depend upon the itinerary, and will range from $11.20 and $113 round-trip for Basic Economy travel within the ...