The CDC recently added seven countriesto their highest travel risk level for Covid-19. According to travel insurance comparison site Squaremouth.com, four of these countries - Israel, France, Iceland and Aruba - are among the most popular destinations for US tourists.

With the addition of these countries, Squaremouth reports 44% of trips being booked are now to countries listed as a Level 4 risk, the highest risk of contracting Covid-19.

As more European countries reopen their borders to US tourists, the demand to visit them increases, along with the risk. In September, 40% of Squaremouth travelers are heading to Europe, with a large percentage visiting high risk countries, including Greece, Spain and the United Kingdom. 

Squaremouth explains how CDC travel advisories impact travel insurance coverage.

Click here for a graph of Squaremouth's top 25 international destinations, including which are currently listed as a Level 4 risk.

CDC Advisory Usually Does Not Trigger Cancellation Benefits
Most travel insurance policies do not provide cancellation coverage for Department of State travel alerts, including these CDC advisories.

Only 4 of the 94 policies currently available on Squaremouth.com include cancellation benefits for government-issued travel advisories. However, in order to have coverage, the policy must be purchased prior to the date the advisory is issued. This means it is too late to purchase a policy for any country with a current Level 4 travel advisory.

CDC Advisory Does Not Void Coverage
Travel insurance policies typically provide coverage worldwide, and most insurance companies are still providing cancellation and medical benefits for contracting Covid-19. This means, even if there is a travel advisory at the insured's destination, benefits are still available.

CDC Advisory-Related Cancellation Requires Cancel For Any Reason Coverage
Squaremouth recommends travelers concerned about government-issued advisories consider a Cancel For Any Reason policy, as this provides the best chance at getting some money back.

"Most issues our travelers have experienced throughout the pandemic weren't directly caused by contracting Covid-19, but other related circumstances," says Squaremouth spokesperson, Megan Moncrief. "These new advisories may make travelers concerned about their health and safety at their destination. Likewise, they could cause a domino effect of border closures or other travel requirements. For these reasons, Cancel For Any Reason is the best option."