The consumer champion found many policies exclude "plausible and often expensive scenarios", such as new lockdowns in the UK or destination countries.
It looked at 263 providers and gave them a rating of "basic", "low", "superior" and "complete". HSBC Select and Cover and Barclays Travel Pack were the only two policies rated as "complete".
They each protect customers against cancelations due to changes to Foreign Office advice and government lockdowns. The plans also offer protection for travellers who test positive for Covid, or are told to self-isolate.
