US travel insurance providers for Coronavirus (Covid 19) coverage
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.
INF Traveler USA visitors insurance Covers Coronavirus for Visitors Already in USA INF provides insurance coverage for any COVID-19 infection and it will be covered fully by INF Traveler USA as a new sickness. INF Traveler USA is available to visitors who are already in the United States and does not have any restriction on the length of time the visitor has been in the US. INF Traveler USA will cover COVID-19 infections for major in-patient hospitalization, need for oxygen cylinders, and medication or other miscellaneous expenses required to treat the Coronavirus.
International Medical Group (IMG)
For new policies starting after March 11, 2020, there is no coverage for COVID-19 disease. The World Health Organization (WHO) in announcing coronavirus as a pandemic has designated the entire world a “level 3” travel zone. Since the coronavirus and COVID-19 is now a known threat (not an unknown possibility), it will no longer be covered by IMG policies. However, if your IMG policy had already started prior to the March 11th announcement and it was NOT to travel into a level 3 travel area (at the time of travel), you will be covered for COVID-19 and that coverage will continue on renewals to that policy. If the travelers visits the country that the CDC, WHO or US Department of State has issued an alert to not visit, the coverage for coronavirus will be excluded. The Patriot travel insurance will not offer coverage benefits if the traveler visits the country after the alert has been issued. If the traveler is already in the country before the alert was issued, then the insured may be covered.
Seven Corners visitors insurance
Seven Corners visitors insurance coverage for sickness arising from Coronavirus is like any other sickness with the exclusions as in the policy details. One of the main exclusions is not to travel to a level 4 country as noted by the US Department of State. Travel to a level 4 country will void the policy from that point forward meaning that no benefits will be paid for any condition or claim. Additionally, the Political Evacuation or Political Repatriation must be arranged by Seven Corners Assist. Failure to utilize Seven Corners Assist will result in the denial of benefits.
Travel Insure international travel insurance
The USI global medical policies have an exclusion based on the CDC Warning to avoid travel (level 3). Travelers who contract coronavirus in areas with a level 3 advisory will not be covered for coronavirus illness. If your travel began under a level 2 advisory and changed to level 3 during your trip, you will be covered even if they contracted it after the updated warning was issued.
TokioMarine HCC
On March 11, 2020, the U.S. Department of State issued a Global Level 3 Travel Advisory urging U.S. residents to reconsider traveling abroad to any country. If you are an Atlas Travel, Atlas Premium, Atlas MultiTrip, or Atlas Group policyholder, this activates your political evacuation benefit as long as your location has not been under a level 3 or higher advisory in the past 10 days, or prior to your arrival.
If the CDC Issues a Level 3 Travel Warning for the Location Where You Are Currently Traveling: Coronavirus-related expenses will be covered for up to 10 days following the date the level 3 warning is issued, given that your expenses do not arise directly or indirectly from another policy exclusion.
Once 10 Days Have Passed from the Date the CDC Issued the Level 3 Travel Warning for Your Current Location: You will no longer be covered for coronavirus-related expenses. You will still be covered for all other eligible expenses.
TokioMarine HCC travel insurance will cover sickness arising from novel Coronavirus as an eligible illness, unless the virus has been contracted in a location for which the US Centers for Disease Control (CDC) has issued a Level 3 Travel Warning. Further there is a policy exclusion if the CDC has issued a level 3 Travel Warning if a) the warning has been in effect within the 6 months immediately prior to your date of arrival, or b) within 10 days following the date the warning is issued you have failed to depart the country or location.
Trawick International travel insurance
TRAVEL MEDICAL Plans do not require that you purchase the insurance before you leave on the trip. The TRIP CANCELLATIONS Plans do require it is purchased before you leave.
The plans available for a US Citizen is
Safe Travels Outbound or
Safe Travels Outbound Cost Saver - these are pay and claim plans.
Plans available for people in the USA- that are not US Citizens, US Residents or Greencard Holders are
Safe Travels USA,
Safe Travels USA Cost Saver,
Safe Travels Comprehensive, and
Safe Travels for Visitors to the USA. These plans require pre-certification for the virus.
The plans available for people who are stuck in a country that is not their home country and not the USA -
Safe Travels International - this is a pay and claim plan.
Disclaimer:
* The policy covers COVID-19 subject to the terms and conditions of the policy normal limits and policy conditions including pre-ex, so if you already have the
virus - it will not cover you. If you are in the incubation period when you buy, it will be considered pre-existing condition.
* Testing for COVID-19 will be covered under your policy if you are sick, are referred by a medical practitioner and it is carried out at an approved facility, subject to the terms and conditions in your policy.
* In the event that a test proves positive and requires treatment, members can be assured that all associated treatment costs would be covered under the normal benefit limits and terms of their policy. Please ensure these are pre-authorized with the GBG Assistance team.
Global Underwriters travel insurance
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.
The coronavirus testing would be covered if a medical physician deems it necessary that the insured fits the criteria for the test and the insured is effective on the policy during the time of the testing. The medical expenses would be covered as well during the time of the policy and if the signs and symptoms started during the effective date of the policy and will be paid per the parameters of the policy.
While the language of coverage is generally similar across the industry, there are some variations in coverage and which advisories are heeded between US visitor insurance providers that offer coverage for Coronavirus (Covid 19). Travelers should carefully compare and understand the different travel insurance policies before purchasing visitor medical insurance for coronavirus to make sure they are protected.
There are many US visitor insurance plans offered by top rated insurance providers that offer coverage for Coronavirus (Covid 19) under specified terms and conditions. Travelers should carefully compare and understand the different travel insurance policies before purchasing visitor medical insurance for coronavirus.
Geoblue travel insurance
GeoBlue will cover, with no cost-share to members, medically-necessary, prescribed diagnostic testing for the virus, known officially as COVID-19, consistent with U.S. Centers for Disease Control (CDC) guidelines. This coverage includes the cost of the COVID-19 test, physician/doctor consultation fee and associated costs related to administering the COVID-19 test.
GeoBlue will waive prior authorizations for medically-necessary, prescribed tests and covered services related to COVID-19, consistent with CDC guidelines.
Per the CDC determination, the countries namely China (January 6, 2020), Japan (February 19, 2020), South Korea (February 24, 2020), Iran (February 28, 2020), Italy (February 28, 2020) have transitioned from locations with no foreseen events to a notable, current foreseen event in action. There is no impact to Trip Interruption coverage for eligible members who purchased a GeoBlue Voyager plan prior to the listed dates and have travelled or are planning travel to one of the listed countries; members who meet this criteria may use the Trip Interruption benefit as needed ($500 max). If a member purchased a GeoBlue Voyager plan after the listed dates above and has travelled or is planning travel to one of the listed countries, the Trip Interruption coverage benefit will not be available as the outbreak is classified as a foreseen event.
