While many other insurers are NOT covering COVID-19 and even voiding policies due to the pandemic, INF insurance is a REAL option for travelers stuck in the US and needing insurance coverage. The INF travel insurance policy is good if you are replacing an existing travel policy that has expired or maybe you didn't have an insurance policy to begin with. International students in the US, Snowbirds from Canada or the UK, tourists from European nations, even US green card holders can purchase these plans. Note that the INF traveler USA plan ONLY offers coverage in the US, while the INF Elite can be used in the US, Canada, and Mexico (even by US citizens who ordinarily reside outside the US). The INF traveler USA plan is quite affordable and many travelers and students are even buying this plan to complement their existing insurance option if it has limitations in coverage for COVID-19.
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.
Coronavirus travel insurance coverage for US citizens visiting the United StatesThere 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 two travel insurance providers are :
- International Medical Group (IMG)
- INF Insurance
INF travel insurance INF travel insurance coverage for Coronavirus is straightforward. The coronavirus will be covered as per any new sickness in the policy since it is not explicitly excluded. Note that their plans only offer coverage in the US and Canada.
Diplomat America 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 covid 19 international travel insurance starting 1st Sept, 2020. IMG's Patriot America Plus and Patriot Platinum insurance plans cover COVID-19 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 traveller 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:
PATRIOT AMERICA PLATINUM:
INF travel insurance:-
Non-US Residents who are visiting the United States but are US Citizens can enroll in an INF plan.
NOTE: If the non US residents (who are US citizens) are in transition to move back to the US until the end of the year (domestic plan enrollment) or employer plans kick in, then these plans cannot be used as a gap insurance for US Citizens.
Following are the list of US travel insurance plans: