FAQs about Travel Insurance and the COVID Vaccine

A: The Pfizer-BioNTech and Moderna vaccines are 95% and 94.5% effective at preventing COVID-19, respectively. (Source) And it takes up to a month after the final dose before you will have the full protection given by the vaccine. If you have had your full-dose and enough time has passed to get the full effect of the vaccine, one would have a low chance of catching COVID-19. It would be a personal decision at that point about how you feel about that low chance of contracting COVID. It may be worth it for you to get peace of mind from having COVID coverage even after getting the vaccine.

A: No, if you want it, you can purchase it no matter if you have received the vaccine or not.

A: Most insurance companies have come out and said they are not covering the costs of getting the vaccine. Most will also not pay claims related to any adverse reaction you might have from the vaccine.

A: Most companies have said that if you get the vaccine, and later get COVID, then they would still pay for any treatment you might need for COVID. Best to check what the company you’ve purchased has said to be sure.