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COVID-19 Vaccine Coverage in Travel Insurance

COVID-19 Vaccine Coverage in Travel Insurance

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COVID-19 vaccine coverage is excluded.

Once the vaccine for COVID-19 is available, most airlines are likely to mandate that passengers get the COVID-19 vaccine before they are allowed to travel. The CEO of Qantas Airways in Australia made the announcement with these requirements.

We completely understand that it is the right thing to do. Even if a particular airline does not mandate the vaccine, many people may want to get it anyway to feel safer.

However, any short-term medical insurance or travel insurance plan excludes expenses for vaccines, also called immunizations. You will see the specific exclusion in the certificate wording.

The same exclusion applies in any trip cancellation insurance, travel medical insurance, international student insurance, or any other insurance plan that is short-term in nature.

I read that there is a rule that all insurance plans must cover the COVID-19 vaccine. How can you exclude that?

Such a rule only applies to permanent health insurance plans that are Affordable Care Act (ACA) compliant in the U.S., meaning long-term, major-medical insurance plans.

There is no such rule for short-term or travel insurance plans.

My parents are traveling soon to the U.S., and the airline requires a COVID-19 vaccine before allowing them to travel. Will visitors insurance cover it?

No. They should get vaccinated before traveling. The vaccination cost should be considered as part of the overall travel cost.

My parents are in a high-risk category. Can you make an exception and cover the COVID-19 vaccine?

No. Vaccines are excluded.

Why are vaccines excluded from the coverage?

Vaccines are considered preventive measures, and they are excluded from all short-term or travel insurance plans.

Are you sure? Have you checked thoroughly?

Yes. Vaccines are excluded.

Is it just your insurance plans that exclude vaccine coverage? Are there other plans from other companies that would cover the coronavirus vaccine?

We are a leading marketplace for travel insurance plans, and we offer all major products from all major U.S.-based companies. All of them have the same exclusion.

We are not aware of any short-term or travel insurance plans currently on the market that would cover the COVID-19 vaccine.

The certificate wording does not specifically mention the COVID-19 vaccine exclusion. Why is this excluded?

All vaccines fall under the category of immunizations, which are excluded according to the certificate wording. The COVID-19 vaccine is no different.

I am ready to pay for the COVID-19 vaccine, but it is not yet available in my country. What are my options?

If the coronavirus vaccine is not available in your country, then an insurance company cannot help pay for it, even if it is covered in a given insurance plan.

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

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New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

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Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

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Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

Learn More

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