Buying best visitors health insurance for Covid - FAQ

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Traveler's residence
Travelers (Age)
Trip cost($)/person

Trip start date
Trip end date

Travel insurance with trip protection coverage - Highlights


Trip cancellation

Reimbursement for loss of pre-paid, non-refundable payments.

medical evacuation

Medical evacuation

Transportation to or between hospitals as needed.


Trip delay

Reimbursement of food and lodging expenses due to delay in travel.


Lost baggage

Pays sum for lost or delayed luggage by airline.

medical expenses

Medical expenses

Covers cost of treatment for sickness or injury during your vacation.

Age & Citizenship
Start date
End date

Travel medical insurance with no trip protection - Highlights

medical expenses

Health care expenses

Covers medical costs for sickness or accidents during travel.

doctor visit

Doctor visit

Covers cost of clinic or doctor visit.

pharmacy drugs

Pharmacy drugs

Expenses from doctor prescribed eligible medications.

medical evacuation

Medical evacuation

Transportation to or between hospitals as needed.

repatriation of remains

Repat of remains

Return of moral remains to home country or local burial.

What does visitor travel insurance cover?

Health care expenses

Covers hospital medical expenses for sickness or accidents during travel.

Doctor visit

Covers Doctor visits in case of sudden injury or sickness.

Pharmacy drugs

Expenses from Doctor prescribed eligible pharmacy drugs.

Pre-existing conditions

Some plans cover acute onset of pre-existing conditions.

Medical evacuation

Medical evacuation expenses to nearest facility if needed.

Repat of remains

Repatriation of remains expenses to home country in case of death.

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Frequently asked questions for travel insurance with Covid19 coverage

I want to extend my travel insurance so that I am covered for COVID-19 in the United States, as I am stranded and unable to go back home?

You should be able to extend your insurance cover, if you already have a travel insurance plan until you return to your home country. Your travel insurance will continue to cover you for Covid-19 if the purchase of your travel insurance was made before Covid-19 was excluded from coverage (Based on the CDC recommendations this exclusion was introduced by different companies). If the travel insurance was brought after the covid-19 was excluded, then your travel insurance policy will not cover you for Covid-19. It’s essential that the coverage is not lapsed before you apply for the renewal of the insurance coverage. Trawick International, Global Underwriters, Seven Corners, INF ,IMG and WorldTrips are few US travel insurance providers who are still offering to cover Covid-19. These companies are offering to insure the uninsured travelers who are already in US to purchase travel insurance and cover themselves for Covid-19.

Whilst I am travelling and come in contract with COVID-19, will my travel insurance provide me with a medical coverage for Covid-19?

Covid-19 coverage entirely depends on your insurance policy. If you have an insurance plan from any of these US insurance providers like Trawick International, Global Underwriters, Seven Corners, IMG, WorldTrips and INF who are still giving coverage for Covid-19, covering them with all medical expenses incurred for the treatment, however the policy should be brought before coming in contact with Covid-19. The coverage of Covid-19 will depend on when the policy was brought, if the travel insurance policy purchased is from any other insurers providers like IMG, WorldTrips, Seven Corners etc. Covid-19 was excluded by most of these companies once the Centre of Disease Control in the United States declared Covid -19 as an pandemic. All preventive care expenses will be excluded in the travel insurance policy. Testing for Covid-19 will also be considered as preventive care.

I have a trip to the United States in the forthcoming days can I buy an US travel insurance policy that will cover me for Covid-19?

Yes, Covid-19 can be covered in your US travel insurance policy which can be brought before you travel. Trawick International, Global Underwriters, Seven Corners, IMG, WorldTrips and INF are few US insurance providers who are currently offering to provide coverage for Covid-19. Since Covid-19 has been declared as pandemic by CDC other insurance providers do not provide coverage. All travel insurance plans exclude preventive care expenses in their cover, testing for Covid-19 will also be considered as preventive care.

Can testing for Covid -19 be covered by my travel medical insurance cover?

Testing for Covid-19 is considered as preventive care, hence all preventive care is excluded on the US visitor medical insurance and travel insurance will not be covered. Depending on when your visitor insurance plan was purchased expenses relating to Covid-19 may be covered. After Covid-19 was declared a global pandemic some insurance companies excluded covid-19 from the coverage.

Currently I do not have any insurance coverage and I am a tourist in US? Is there any visitor’s medical insurance which can provide the cost of treatment for Covid-19?

Trawick International, Global Underwriters, Seven Corners, IMG, WorldTrips and INF are some of the US insurance providers who are providing coverage for Covid-19, if you have not contracted the Covid-19 virus. Visitor medical insurance covers all unplanned medical expenses excluding preventive care pre-existing conditions. US visitor’s insurance will not cover any preventive care expenses and testing for covid-19 is considered as preventive care hence will not be covered. If you need more clarification or any assistance regarding the coverage you can contact our customer service and our licensed agents will help you.

If I renew my international travel insurance plan is Covid covered?

If your international travel insurance plan is due for renewal you have to make sure that the policy doesn’t lapse between the renewal and Covid must not have been contracted before the policy start date. Then treatment and services for covid-19 may be covered. Check the renewal documents carefully.

I am a U.S. citizen and have contracted Covid while traveling outside my home country, will my international travel insurance support me to be evacuated?

Some plans provide coverage for emergency evacuation, either to the nearest hospital or back to the insured’s home country for additional treatment. However, some plans may not provide this benefit if the reason for evacuation is sickness due to an epidemic or pandemic. Be sure to read the policy details carefully before purchasing.

Is testing for Covid covered in my international travel insurance plan?

Most insurance covers exclude preventive care from their policy. Hence testing for Covid is not covered. On the other hand, there might be few insurers who cover testing for Covid if you have purchased the policy before contracting the Covid.

Are all travel plans affected?

If the Covid is estimated to be riskier and out of control and a dangerous your travel plans might be changed or cancelled. U.S is formerly advising its citizens and residents to avoid all non-essential travel during this pandemic. You could possibly think of rescheduling your trip.

While I am travelling if I get infected by Covid am I medically covered for Covid-19?

If you contract Covid19 illness during the trip and if the travel medical insurance that you have purchased includes medical expense coverage towards Covid-19 you may be covered. A trip Interruption benefits may also be covered subject to proof of illness from a doctor, confirmation of the illness through diagnosis and evidence that you are issued quarantine rules. For further clarifications review the insurance cover details and specifications for Covid-19 coverage.

What are the latest travel advisories and alerts with Covid pandemic?

Due to the current Covid outbreak international travel has come to an unimaginable standstill. As a result of the travel ban on non-essential travel to the highly affected destinations many airlines are cancelled, numerous delayed flights and endless modifications in the traveling rules by the countries. In this situation if you are traveling or have a travel plan then it is essential to keep an update on the health advisories and travel advisories. Various sources are available with travel information like the World Health Organization (WHO) and the Centre for Disease Control and Prevention (CDC ) are providing the most recent information on Covid-19.

Am I allowed to cancel my travel plans?

Yes, you can cancel your travel plan as the decision to cancel is a personal choice.
If you are planning to cancel your travel plan check for ‚ÄúCancel for any reason‚ÄĚ or ‚ÄúCovered reason‚ÄĚ in your policy to consider the benefits of cancellation. If you have contracted Covid-19 or under quarantine certain travel protection plans may provide coverage. Before you cancel the travel plans check the travel documents for coverage under Trip Cancellation category for reasons covered to receive a refund or a credit. Alternatively, you can also contact your travel provider to seek for options available to cancel or reschedule the trip without incurring fees or penalties.

I am scared to travel. Can I cancel my trip?

The outbreak of Covid has brought endless fear across the globe. Taking precautions, being safe and protected is the need of the hour which is understandable, however fear of traveling may not be considered as a valid reason to get coverage and benefits from the cancellation. If you have Cancel for any reason coverage in your travel insurance plan, then a percentage of the loss may be recovered. you can contact your travel provider for more clarity on the cancellations.

What if my flight is delayed or cancelled by the airline as a result of Covid19?

In an event that your flight is delayed or cancelled by the airline a Trip Interruption or Missed Connection and Travel Delay reimbursements may be applicable with time restrictions. You can check your detailed travel protection plan for terms and conditions to determine your available options. Time restrictions may apply. Also, please check with your travel provider to determine your options.

I want to cancel my trip as my doctor has recommended not to travel?

Unless you have ‚Äúcancel for any reason‚ÄĚ included in your travel insurance cover, the advice ‚Äėnot to travel‚Äė by your doctor is a not a covered reason in an insurance cover.

Can I cancel my trip based on the travel advisory?

Travel advisory from the State Department or other government organizations are the advice given in an event of a threat to human health and they are not covered for reasons. Trip cancellation benefits are only processed if the cancellation reason is a covered reason according to the travel insurance plan.

Covid19 US travel insurance FAQs

I am travelling to the United States and need to get a Covid 19 test before I travel. Will my travel insurance cover me for the Covid 19 test?

A Covid 19 test that is done prior to departure and which is a requirement for the traveler to get an entry into the US will not be covered by travel insurance. Travel insurance is to cover unanticipated conditions, not to cover a test or treatments which is required and planned for.

I want a travel insurance cover that covers the cost of Covid 19 Vaccine?

A travel insurance cover provides coverage for all unexpected emergencies that may occur during the travel. Preventive measures is not insured by most travel insurance providers, Covid 19 vaccine is a preventive measure and is hence not covered unless it is mentioned in the policy document.

Is Covid 19 Vaccine covered under the health insurance plans in US?

Getting a Covid 19 vaccine is strongly encouraged in the US and many US domestic health insurance providers may offer Covid 19 vaccine. However a travel health insurance plan is not replacement for domestic US health insurance thus will not provide coverage for Covid 19 vaccine.

I am traveling within the US to meet family for a holiday, can I get a travel insurance where Covid 19 is covered?

Travelling within the US has become more relaxed since the CDC announced on April 2 2021 that all Americans who are vaccinated can travel within the U.S without testing or quarantining. US travelers can buy travel insurance with Covid 19 coverage for all US states. You can find different travel insurance options at American Visitor insurance or call us at 877-340-7910 for a free quote.

I am traveling on a holiday, do you have Covid 19 coverage in your travel health insurance?

The domestic health insurance cover can provide one with Covid 19 coverage while you are staying inside your home country but may not cover you while you travel outside your home country. International travellers will need to buy travel insurance to cover Covid 19 plans. American visitor insurance works with some of the finest insurance providers like Global Underwriters, IMG, Trawick International and Seven Corners who offer Covid 19 travel insurance coverage with quarantine coverage included.

I am in the US and already have a travel insurance policy, am I covered for Covid 19 illness?

If you have already purchased a travel insurance plan, you need to check with the current insurance provider if Covid coverage is included in the policy. If the policy has started and covid 19 coverage was not included in that case you may not be covered.

I am traveling to the USA and I am worried what if my flight gets cancelled due to Covid 19?

With the onset of the Covid pandemic, CDC had issued a Level 3 Warning advising all travelers to avoid nonessential international travel. There have been constant mutations of the virus and traveling during these times has become unpredictable. To insure your travel given these uncertainties ,you can buy travel insurance with the add on option of ‚Äėcancel for any reason‚Äô (CFAR). In the event that a flight has been cancelled due to covid 19 reasons you may get coverage for this and a refund can be initiated as covered in the policy document if you have the CFAR coverage.

I am a US citizen and travelling to the Caribbean for few days, do I need to get covid 19 test done before I travel?

The CDC has eased restrictions for fully vaccinated US Citizens. Vaccinated US Citizens can go on international travel without a covid 19 test unless the country they are travelling has a requirement. Many carribbean and Latin American countries are however insisting on travel insurance with Covid19 coverage. Costa Rica, Anguilla, Turks and Caicos Islands are some of the countries insisting on travel insurance.

What should I do if I test positive while I am away from the US? Am I covered for Covid 19

If you're tested positive while you are on your trip and need medical care, your travel insurance policy will provide you with the coverage for Covid 19 medical expenses and quarantine expenses if you have included Covid cover in the policy. American visitor insurance has some of the best affordable Covid 19 plans for your travel. Email us or feel free to give us a call for more clarifications.

While I am away from the US, if I contract Covid and need to extend my stay can I extend my travel insurance cover?

At American visitor insurance you can find travel insurance policies that allow you to extend the travel insurance dates if you have tested positive and require staying longer than you estimated due to covid19.

Can I extend the trip protection plan?

Yes, the trip protection plan will automatically get extended till the time you are quarantined and you have returned to the destination country. However you need to inform the insurance provider of the changes at the earliest.

Can I extend my travel medical insurance?

Yes you can extend the travel medical insurance for an additional cost. Contact the insurance provider to do so.

Is there any Trip protection cover for Covid 19 expenses in a travel insurance plan?

Yes, there are trip protection benefits included in the travel insurance plans for covid 19 expenses that you may have to include while purchasing the policy. This cover will cover you for a trip delay due to Covid 19 and expenses incurred due to the delay. You should contact the insurance provider for more clarity regarding this coverage.

If I have a travel insurance plan with Covid 19 coverage what am I covered for?

If you have a travel insurance plan with Covid19 coverage, if you have contracted Covid 19 and are getting a treatment by qualified physician .The expenses of the quarantined room /hotel room, expenses related for the treatment and if one is staying in a hotel room for quarantine a proof of the unavailability of hospital bed must be produced. Do check the policy documents for more clarity.

INF travel insurance Faqs for Covid19

What happens if I catch COVID-19 on the flight to the USA?

INF will cover Covid as a new sickness, even if you are infected on the airplane.

But what about contact tracing? Won't the insurance company deny the claim knowing I was in contact with someone infected?

We cannot prove that you were infected with COVID19 by simply being in contact with someone who had / has it. This has no effect on the coverage. We will cover COVID-19 like any other new sickness.

What happens if I am asymptomatic (i.e. testing done before the trip shows positive) and still decide to travel?

Being tested is a service, if we determine a related service was done 12 months prior to the effective date, the condition would be considered Pre-Existing.

What if I catch COVID19 in the airport on the way to the US?

We would still cover Covid like a new sickness. There is no incubation period exclusion clause in our policy. COVID-19 is covered just as if you catch the flu. Both testing & treatment are covered.

Will INF cover Covid even though it's declared a pandemic & there are travel advisories out by my government about non-essential travel?

Yes, INF will cover COVID-19 like any other sickness. We do not have a pandemic or travel advisory exclusion clause in our policy.

If I am already sick with Covid19, will INF cover my medical expenses?

No, INF will not pay out any benefits if you are already showing symptoms of COVID-19 before you enroll in the policy.

Are antibody tests & Covid19 tests covered by INF?

Antibody test prescriptions can be obtained via INF's telemedicine program for $0 (free). Covid19 tests and prescriptions are covered. In both cases, you must be showing symptoms and tests should be prescribed by a physician (medically necessary) to be covered.

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covid19 visitors medical insurance FAQs

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USA travel insurance companies that cover Covid19

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

US visitors insurance providers

Global Underwriters

Expertise in offering travel insurance
20+ years!

Customers from
All U.S. states!

Customers from over
180 countries!