Allianz Partners holds a clear lead for travelers seeking COVID-19 quarantine protection. For policies specifically lacking a pandemic exclusion, Trawick International is the usual answer.
The key is to find a travel insurance policy that explicitly covers COVID-19-related quarantine expenses and does not exclude pandemics in a way that removes that coverage.
One important distinction: a policy can cover COVID-19 medical treatment but not cover the extra hotel, meals, or transportation costs if you have to quarantine during your trip. You'll want to verify both the quarantine benefit and the policy's exclusions before purchasing.
For your search, I would prioritize policies that address:
Mandatory quarantine: Additional accommodation and meal expenses if you're ordered to isolate while traveling.
COVID-19 medical expenses: Treatment if you contract COVID-19 during your trip.
Trip interruption: Reimbursement for unused travel arrangements or extra transportation if COVID-19 disrupts your trip.
Pandemic wording: No blanket pandemic exclusion that overrides the benefits you're relying on.
Eligibility and limits: Covered destinations, quarantine duration, benefit caps, and any testing or documentation requirements.
Policies worth comparing
These are the strongest leads I found for a U.S. resident. They differ in how directly they address quarantine expenses, so I would obtain the actual policy wording before buying.
Travel Guard offers an optional Quarantine Bundle that may provide a daily stipend when a physician or health official requires mandatory isolation at your destination. Confirm that COVID-19 quarantine is covered under the specific plan and that no applicable pandemic exclusion overrides it.
Its published plan highlights include a $1,250 Trip Delay benefit that covers accommodation and lodging due to quarantine. It is designed for U.S. residents traveling abroad. Check whether your specific quarantine scenario qualifies and whether other policy exclusions apply.
World Nomads states that COVID-19 is treated like other illnesses and is not excluded from its U.S. travel insurance plans. Medical care and some trip disruptions may be covered, but this does not establish that extra quarantine hotel and meal costs are covered. Verify those benefits separately.
Before purchasing, ask the insurer this question in writing:
Does this policy cover additional hotel, meals, and transportation expenses if I test positive for COVID-19 during my trip and must quarantine, and does the policy contain any pandemic or epidemic exclusion that would negate those benefits?
Ask for the applicable policy section or endorsement, not just a verbal assurance. A policy that covers COVID-19 as a sickness may still exclude quarantine-only expenses.
Let me narrow this down for your trip
I can look for the closest match once I know two things.
1. Where are you traveling?
Outside the United States
Within the United States
Cruise, including international ports
2. What coverage matters most?
Quarantine hotel and meal expenses
COVID-19 medical treatment
Both quarantine expenses and medical treatment
Approximate trip length
1–2 weeks
3–4 weeks
1 month or longer
Departure date (optional)
[Date picker placeholder: Choose departure date] (Current value unavailable.)
iTravelInsured (by International Medical Group - IMG): Many of their comprehensive plans cover additional lodging and meal expenses incurred due to a travel delay if you are mandated by a physician or government authority to enter strict medical quarantine.[]()
Read the Certificate of Insurance/Policy Wording for the specific plan before buying. Look for the "Exclusions" section to verify that "pandemics" or "epidemics" are not listed as an exclusion for medical or delay benefits.
For U.S. travelers, I found a relatively short list that fits your two requirements: (1) meaningful COVID-related quarantine benefits and (2) no broad pandemic exclusion that simply wipes out COVID coverage. The key is to distinguish “COVID is covered” from “COVID is covered despite a general pandemic exclusion.”
Option
COVID/quarantine coverage
General pandemic exclusion?
Notes
World Nomads – U.S. plans
Yes. COVID is treated as another sickness; coverage can include medical expenses, cancellation/interruption, and—depending on plan—COVID-related travel costs.
No broad COVID exclusion stated for U.S. plans
The strongest match I found. World Nomads explicitly says COVID “is treated as any other sickness and not excluded.”
IMG / iTravelInsured Travel SE/LX
Yes. IMG specifically describes reimbursement for additional hotel/meal costs when a COVID quarantine forces you to extend your trip.
Potentially no, depending on the exact product/certificate
IMG says products with no pandemic exclusion treat COVID as any other illness, and its current iTravelInsured plans specifically describe quarantine-related travel-delay coverage.
WorldTrips – Atlas Journey
Yes. Travel Delay can cover a qualifying quarantine; COVID medical expenses are covered like other illness under Atlas Journey.
Needs certificate verification
Current WorldTrips material says COVID medical expenses are treated like any other illness and gives quarantine as an example of a covered Travel Delay reason.
Allianz
Yes, if the plan has the Epidemic Coverage Endorsement. Individual COVID quarantine can qualify.
No—the base policy generally has an epidemic/pandemic exclusion, with an endorsement carving coverage back in.
Therefore, it doesn't meet your “avoid a general pandemic exclusion” criterion as cleanly.
Travel Guard
Yes, with its optional Quarantine Bundle; current plan documents show a quarantine stipend.
No—the policy contains a pandemic-related general exclusion.
It therefore fails your strict “no general pandemic exclusion” test.
The two I would investigate first
1. World Nomads — particularly the U.S. Explorer plan
This is the clearest match I found. World Nomads currently states that for U.S. residents, COVID is treated as any other sickness and is not excluded. Its plans can cover medical expenses and travel disruption caused by COVID, while its higher-level coverage can provide additional COVID-related benefits.
World Nomads also describes COVID quarantine coverage for applicable plans: compulsory quarantine during a trip following COVID diagnosis or confirmed close contact can qualify for additional travel, meals and accommodation expenses.
2. IMG / iTravelInsured
IMG is particularly interesting because its own COVID guidance says that if the product has no pandemic exclusion, COVID is treated as any other illness under the certificate.
Its current iTravelInsured material specifically says that if you test positive while traveling and are ordered into strict medical isolation by a physician or government authority, additional hotel and meal expenses caused by the resulting travel delay may be reimbursable. The Travel SE and LX plans also include substantial medical coverage for COVID.
One important distinction
If your goal is specifically “I don't want a policy that says pandemics are generally excluded and then gives me a special COVID exception,” I'd put Allianz and Travel Guard lower on the list. Allianz explicitly says epidemics/pandemics are generally excluded and then relies on its Epidemic Coverage Endorsement to restore specified COVID benefits. www.allianztravelinsurance.comwww.allianztravelinsurance.com Travel Guard similarly has a general exclusion for certain pandemic-related losses even though its Quarantine Bundle provides quarantine benefits.
Also, state of residence matters. Policy wording, exclusions and benefit limits can vary by state, so the final test should be the actual certificate/policy for your state—not the insurer's summary webpage. World Nomads expressly notes this for U.S. residents, and IMG says its answers can vary by plan design and state.
If you tell me your state of residence, destination, trip dates, ages, and approximate trip cost, I can narrow this down to the specific current plans whose policy documents meet the “COVID quarantine + no general pandemic exclusion” test and compare their quarantine limits and medical coverage.
When looking for travel insurance that covers COVID-19-related quarantine and doesn't rely on a restrictive, sweeping pandemic exclusion, you want providers that treat COVID-19 identically to any other unforeseen sickness/illness or explicitly build epidemic/pandemic benefits into their comprehensive plans.
Top travel insurance options providing robust COVID-19 and quarantine-related benefits include:
Aegis – Go Ready Pandemic Plus Plan
Why it fits: Specifically engineered for pandemic-era travel, this plan explicitly covers COVID-19 under its standard trip cancellation, interruption, and emergency medical benefits without traditional epidemic carve-outs.
Why it fits: BHTP treats COVID-19 sickness as a standard illness under comprehensive plans. Their high-tier plans extend emergency medical and trip interruption/delay coverage specifically to include medical quarantine scenarios if you are forced to stay past your return date due to a positive diagnosis.
Why it fits: Travel Guard covers COVID-19-related illnesses, cancellations, and interruptions just like any other unexpected sickness.
Quarantine Benefit: They offer an optional Quarantine Bundle add-on for specific plans that explicitly covers additional lodging and meal costs if you are subjected to a mandatory individual isolation/quarantine by a physician or health official due to exposure or a positive test. (Note: It does not cover a general, government-mandated destination-wide quarantine upon arrival). [](https://www.travelguard.com/travel-insurance/optional-coverage/quarantine-bundle)
Allianz Travel Insurance – Plans with Epidemic Coverage Endorsement
Why it fits: Allianz features an Epidemic Coverage Endorsement on many of their core plans (such as OneTrip Prime).
Trawick International – Safe Travels International / Trip Protector
Why it fits: Known for comprehensive international travel medical policies that explicitly include COVID-19 treatment, emergency medical evacuation, and dedicated quarantine lodging benefits if mandated to isolate abroad after testing positive.
To compare real-time quotes, specific policy wording, and exact quarantine caps tailored to your destination, you can use comparison engines like Squaremouth or InsureMyTrip and filter specifically for "Cancel for Covid-19 Sickness" and medical quarantine benefits.[](https://www.squaremouth.com/plans/covid-19)
