COVID-19 has become endemic. Most countries no longer have entry restrictions. But the disease still affects travelers — and many insurance policies have quietly removed COVID coverage. Here is what IATI covers in 2026.
The Post-Pandemic Insurance Landscape
Many travel insurers added COVID coverage during 2020-2022 and have since quietly removed it or added so many exclusions that coverage is effectively meaningless. IATI has maintained comprehensive COVID-19 coverage as a standard feature of all plans.
What IATI Covers for COVID-19
Medical treatment and hospitalization for COVID-19. Emergency medical evacuation if required due to COVID complications. Repatriation if COVID prevents travel on scheduled return. 24/7 telemedicine consultation for COVID symptoms — allowing a doctor to assess severity and advise on whether hospitalization is necessary.
What Is Not Covered
Trip cancellation due to positive COVID test before departure — IATI is a medical insurance product, not a trip cancellation policy. Quarantine hotel costs not related to a medical order. Vaccination costs. Routine COVID tests.
COVID and High-Risk Destinations
COVID hospitalization rates remain highest in countries with limited vaccine access or immunocompromised populations. For travelers to such destinations, IATI's COVID medical coverage provides essential protection. The 24/7 telemedicine service allows early assessment of symptoms before they escalate.
Documenting a COVID Claim
To make a COVID medical claim: obtain a PCR-confirmed test result (or rapid antigen if PCR not available). Get a medical report from the treating physician specifying COVID diagnosis. Keep all hospitalization records. Submit via IATI's standard claims process.
Get covered before your next trip
Medical coverage from EUR 50,000, zero upfront payment, 24/7 telemedicine, instant certificate. Valid for all visa types in 200+ countries.
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