If you already have a visitors insurance plan, you should be able to extend it till you return to your home country. If you purchased the visitors insurance before the coverage for Covid19 was made an exclusion (this exclusion was introduced by different companies based on the CDC recommendations), then your newly extended policy will also provide coverage for Covid19. If you purchased your visitors insurance after Covid19 was an exclusion, then the extended policy will continue to exclude coverage for Covid19. It is important that there is no lapse of coverage in your insurance coverage before you apply for the renewal.
There are however some US visitors insurance providers, namely Trawick International, Global Underwriters, International Medical Group (IMG), Seven Corners who are still providing coverage for Covid19. In fact these companies also allow travelers who are already in the US but currently uninsured to buy their visitors insurance and get coverage for Covid19 within the US.
Yes, you can buy US traveler insurance that will cover Coronavirus (Covid19). The US insurance providers currently offering coverage for COVID19 are Trawick International, Global Underwriters, International Medical Group (IMG), Seven Corners, Travel Insurance Services. Other US insurance providers do not offer coverage for COVID19 as they the CDC declared COVID19 a global pandemic. Testing for COVID19 however will be considered preventive care, and all the traveler insurance plans will exclude preventive care expenses.
Visitors medical insurance is only for unplanned medical expenses not for preventive care or for pre-existing conditions. US visitors insurance will therefore not provide any coverage for getting tested for COVID19 (preventive care) or for treatment of COVID19 if you have already contracted the virus. If however you have not contracted the COVID19 virus, the following US insurance providers, namely Trawick International, Global Underwriters, International Medical Group (IMG), Seven Corners, Travel Insurance Services are providing coverage which will include COVID19. Please contact our customer service and our licensed agents will provide you any assistance or clarification that you need.
Some USA Coronavirus travel insurance plans cover covid 19, however the coronavirus ailment will be considered pre-existing if the visitors buy the USA coronavirus travel insurance after being infected by the virus. Hence it is important to buy travel insurance before one starts the international travel. Currently these USA insurance providers offer the best Coronavirus travel medical insurance coverage - Trawick International, International Medical Group (IMG), Seven Corners, Travel Insurance Services and Global Underwriters. The travel insurance plans are available for foreign visitors in the USA, for US citizens and residents traveling outside the USA as well as for non US travelers traveling outside their home country.
Generally, the accepted incubation period for the virus has been established at 14 days. This is not always the case, but many countries have adopted a standard two week quarantine period for their visitors and it seems likely you will show symptoms within this time frame should you have it. Further evidence shows that you are most contagious during the early part of your infection, so this period would allow that most contagious time to be over.
So, what we are really concerned about is: What if I get sick with COVID-19 during the first 14 days of my trip? What will the insurance company do? This is a valid question for both parties concerned. The answer is: we don’t know. It will depend on many factors. If the place you are going does good contact tracing, perhaps you will be notified that some place where you were, there was a confirmed case and you should quarantine for that reason. If you get sick after that, you will have some evidence of where you picked up the infection.
Diagnostic testing for COVID-19 is covered without copay or other member contribution.
Treatment for COVID-19 is covered as an Illness under the policy, unless a member failed to depart a country within a reasonable time from the date the country became subject to a level-3 travel warning by the CDC, or similar travel warning from that country’s government. Members remaining in a country in that circumstance would not be covered for COVID-19, but otherwise would retain all coverage under the policy within its normal terms and conditions.
Preventive quarantine in a hotel, cruise ship or any other location would not be covered. The plan would cover medical evacuation if deemed medically appropriate for the illness/injury, subject to the usual plan provisions.
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The global pandemic novel coronavirus, covid-19, has infected millions around the world with the resultant death toll continuing to increase. Click here to read more