Travel insurance for travelers to the USA
Canada or Mexico because of Coronavirus
It is heartbreaking to hear of so many people stranded due to COVID. So many borders are closing and travel plans have had to be altered often. Even years after the pandemic was first noticed in China, there is still uncertainty due to the virus as China is opening its borders to the outside world. The uncertainty due to the new Covid sub-variants, validates the importance of buying travel insurance.
Travelers can travel stress free with the covid-19 coverage be provided regardless of the variant. At American Visitor Insurance, we are committed to getting you the best insurance coverage we can in these uncertain times. Travelers including a travel insurance cover with Covid-19 cover need not worry about getting coverage for variants.
Irrespective of the variant covid-19 coverage will provide. Please know we are here to help you make the best, informed decision to get coverage even for COVID-19! Let us know how we can assist you. Feel free to contact us by email or phone at any time.
Covid travel insurance for US citizens visiting the United States
There are two insurance providers who offer short term travel medical insurance for US citizens living outside the United States, but who are visiting the US. The travel insurance providers are :
- International Medical Group (IMG)
The following are the terms of Coronavirus travel insurance coverage offered by these company
Global Underwriters travel insurance offers coverage for coronavirus as any new sickness. If it is pre-existing, then it's excluded.
That is of the travelers is infected before the plan effective date, the travel insurance will treat it as pre-existing and will not offer coverage for it.
International Medical Group (IMG) Covid19 travel insuranceInternational Medical Group (IMG) Coronavirus insurance is offering covid19 international travel insurance starting 1st Sept, 2020. IMG's Patriot America Plus and Patriot Platinum insurance plans cover COVID19 like any other illness. The Patriot America Plus Covid Insurance and Patriot America Platinum coronavirus insurance include COVID coverage up to the policy maximum regardless of purchase date or travel dates.
International Travel Insurance plans are normally for people traveling outside their home country. There are US citizens who are residing outside the USA and visit US for short durations visiting family, for holidays, business, during Christmas and Thanksgiving holidays or other similar occasions. US citizens who are in this category are not eligible for domestic healthcare in US as they are permanently residing abroad.
Some companies consider the US to be the home country for US citizens regardless of where they live and this makes them ineligible for the international travel insurance plans offered by these companies while visiting the US.
However, they do make exceptions for this specific situation with special conditions included. The common conditions include are that the traveler must be residing outside the US continuously for 6 or more months. Some companies might require the traveller to have a primary insurance already in force before applying for the travel insurance to visit US.
American Visitor Insurance provides international travel and health insurance plans for US citizens residing abroad making short term visits to US occasionally.
Patriot America Plus and Patriot Platinum America can be used by US citizens as long as they maintain a residence outside the US and are visiting the country for a short visit. The Patriot America Plus insurance plan offered by IMG is specifically designed for short term visitors to USA and is a hugely popular choice among tourists to America.
The policy covers "acute onset of pre-existing conditions" up to the maximum of the plan purchased for persons under 70 years of age. The company recently added the benefit of copays of $25 for urgent care centers and $15 for walk-in clinics which are paid INSTEAD of the deductible each time these facilities are used.
There is a sports rider that can be added for additional cost to cover skiing, snorkeling, surfing, and other common recreational sports. Persons under 70 years of age can get up to $1 million maximum coverage. As of Sept 1, 2020, the plan also covers COVID19 illness up to the maximum of the policy. Please note the Patriot America plan does NOT cover COVID!
Comprehensive cover with Covid inclusions
Travelling during a pandemic has become very challenging. In the continuous effort to support humanity, health care workers, governments and insurance providers have brought about many changes for safe travel.
Insurance providers have now included Covid-19 coverage as any other illness .In a comprehensive cover the insured can be covered for the below covid19 benefits:-
- Cover to reimburse the covered medical treatment of the Covid-19 illness during the trip.
- Trip Cancellation as ordered by a physician due to COVID-19 illness of the insured.
- Coverage for quarantine if ordered by the physician before the start of the trip.
- Cancelling of the trip due to a lost job during the covid19 pandemic and is not a fault of your own.
- For more details on inclusions feel free to call our customer support team and one of the licensed agents will be happy to assist.