Greetings to all our intrepid travelers! Hats off to you traveling amidst all the chaos! We have put together a little blog to advise people traveling during the COVID-19 pandemic on what travel insurance are best and why. While several countries have opened up for travel, the second wave with the different virus mutations (detected in the UK B117 and South Africa 501.V2) has complicated matters and many of these are nations are insisting on travel medical insurance with covid coverage (not a bad idea, really!). Some in fact are making it mandatory to have COVID19 travel insurance coverage with Quarantine included. This is a significant as many countries that do have their own insurance for their citizens, will NOT cover COVID-19 at this time, particularly if the travel is to a country on a travel ban or travel caution list.
Luckily, at American Visitor Insurance we have international travel insurance with covid cover options for all you brave travelers. There are several US companies that are covering COVID-19 as any other illness on their pandemic travel insurance policies and, furthermore, will provide you with a letter specifying this travel medical insurance covid19 coverage (for visa purposes and to disembark in country). These plan options are changing all the time, so please check our latest blog for most updated options. Here are some USA travel insurance options listed by company and why they are good in certain situations:
WorldTrips travel insurance with Covid19 coverage is with the Atlas America insurance and the Atlas Premium insurance which covers COVID-19 like any other illness. There are two "versions" of the Atlas travel insurance plan: Atlas America (for travel that includes the USA) and Atlas International (for travel that excludes the USA).
Atlas travel insurance offers $50 per day for each day the travelers are quarantined abroad for a maximum of 10 days. Coverage must be bought for a minimum of 30 days. Show proof of quarantine mandated by a physician or governmental authority. Quarantine must be due to you testing positive for COVID-19/SARS-CoV2. These plans offer much higher maximums for persons under 65 years of age (up to $2 million). These plans also cover acute onset of pre-existing conditions up to the maximum of the plan for persons under 70 (up to $100,000 for persons aged 70-79), excluding chronic and congenital conditions.
Note that the Atlas Premium offers better coverage of additional or secondary benefits (like political evacuation, trip delay, and emergency reunion).
A great benefit to purchasing any of these plans is that you will automatically receive a PDF fulfillment document in your confirmation email which will include a visa letter which also specifies the coverage of the plan and the fact that COVID-19 is covered as any other illness.
Note on specific countries: Many countries like the Aruba, Chile, Costa Rica, Saint Martin, Turks and Caicos, Uruguay, Colombia, UAE, Turkey, Lebanon, Oman, Singapore, Ukraine, Thailand, Israel, Egypt, Jordan, and Cambodia to name a few are insisting on travel insurance covering Covid to visit those countries.
Some countries have made travel insurance to include coverage for quarantine as part of their covid coverage requirements. Costa Rica's Covid 19 travel insurance, for example, insists that the coverage includes “quarantine” stays. Covid19 Travel insurance for Ukraine requires companies to have an office and be recognized by the Ukrainian government, again meaning you will have to purchase a policy in-country (as far as we can tell).
Many Canadian travelers are however buying our US travel insurance since their domestic Canadian insurance plans do not cover Covid. Similarly we are getting many travel insurance coronavirus coverage for the UK customers.
To conclude, while things are more complex when compared to pre-covid, it is still possible to travel and have covid travel insurance coverage. Whether you are headed to the USA, Canada, Mexico, Costa Rica, TCI, Sint Martin, the UK, Singapore, Israel, Dubai or Japan and from wherever you may be flying from, we have the right travel medical insurance covid plan for you!
SARs-Cov-2 -Covid 19 virus that causes respiratory tract infection that may range from mild to dangerous effects like death .The outbreak of the first wave of Covid 19 which started originally from Wuhan, China gradually spread to the entire globe.
Outbreak of coronavirus has halted the world with many infected cases and deaths causing global panic and one of the biggest humanitarian disasters since 1945(World War 2). Covid 19 has clutched the health, social welfare and global economy to a larger extent that the world has witnessed in recent times.
Since the outbreak of coronavirus pandemic WHO has been responding quickly by working with countries around the globe to prevent the spread of the infection. Scientists around the world have been working towards finding a vaccine for covid 19 virus which brought about a relief when a vaccine was launched in the month of December 2020. World saw a sign of relief until the United Kingdom announced that they have identified a new mutation of virus B.1.1.7 which is likely to be more infectious than the original strain. Many experiments suggest that the mutation of the virus makes the virus more infectious than the original strain but there is no proof that it is more dangerous, nevertheless increased percentage of transmissibility is a bigger challenge to face.
The UK placed a 3rd country wide lockdown and countries around the world placed a ban on entry for travellers from the UK, by then thousands of people had already flown from the UK. The local transmission of the UK variant was identified in France, Spain, Portugal, Germany and Italy and the USA.
South Africa witnessed the highest rise in the coronavirus cases in the first week of January 2021 which included patients infected with a new mutated strain of virus B.1.351.Scientits are worried that the vaccine may be less effective against the new variant .24 Countries have identified the spread to their country including the US. Brazil identified a new mutated variant P.1 which is closer to B.1.351 has also spread to Minnesota and Oklahoma in the United States. California also found a variant CAL.20C in which more than half samples were tested in LA.
Around the globe countries are continuously working to reduce the spread of Covid 19 virus through vaccines, complete and partial lockdown, self-isolation and quarantine for those suspected with symptoms and travel history from the contaminated areas, testing and treating, travel bans, bringing awareness of good hygiene practices to be safe from the infection.
International travelers in the USA are now facing special challenges. The administration of president Joe Biden has made it mandatory for air travelers to the United States to have a negative RT-PCR COVID19 test result while arriving in the US.Many travelers are forced to change travel plans and have to stay longer in a country where medical costs are extremely high.
Initially many USA travel insurance companies were covering coronavirus disease, but after the CDC acknowledged the world wide pandemic and placed the whole world at level 3 ("Avoid Non-Essential Travel), many companies dropped visitors insurance with covid coverage. These are the US insurance providers who offer short term temporary USA Visitors insurance coverage for coronavirus - International Medical Group (IMG), Trawick International, Seven Corners, WorldTrips, Travel Insurance Services and Global Underwriters. Please note that you MUST NOT wait to get coverage.
If you are already sick or even in the incubation period for the disease before your policy begins, ALL policies will exclude coverage. So, it is important to start Covid 19 visitors insurance coverage as soon as possible and not have a break in coverage if you are renewing a travel insurance plan. You can purchase these policies even if you started out with a different company or did not previously have US travel health insurance.
The world has looked on in dismay and shock as Covid 19 (officially SARS-CoV-2) that began in China has swept all over the world. This outbreak has disrupted international travel very significantly and highlighted just how connected a world we now live in. What started in Wuhan, in China, and spread soon after to South Korea, Iran and Italy has now spread across the globe and has completely locked down international and even domestic travel. In the US the virus has spread to every state and sadly the most global of US cities, New York has been devastated.
The US now has the highest number of Coronavirus victims. Airports and airlines across the world are implementing screening measures for the disease to protect passengers and destinations. Perhaps now, more than ever, the need and usefulness of the best Coronavirus visitors insurance is highlighted. We hope to give some information for people who are stranded and how to buy visitors insurance for coronavirus to protect yourself medically and monetarily from this changing situation.
The SARS-CoV-2 virus is one of a family of viruses known as coronaviruses, so named for the crown-like structures around their enveloping membrane. This family of viruses includes our common cold, seasonal flu viruses, SARS (Severe Acute Respiratory Syndrome) and MERS (Middle East Respiratory Syndrome). The name stands for Sever Acute Respiratory Syndrome (SARS) which describes the disease it causes. CoV for coronavirus family. It gets the 2 because it is closely related to the original SARS outbreak which happened in China in 2002.
Sometimes you will see it called nCoV which stands for novel coronavirus. It is novel because it has never been in humans before and so no one will have immunity to it. The SARS-CoV-2 virus is zoonotic in origin (that is, it originally crossed species from, we think, bats to humans, so it has an animal origin), but is now passed person to person. The SARS-CoV-2 virus causes the disease called Covid 19. COVID stands for COronaVIrus Disease and 19 because the outbreak began in 2019.
While the disease began in China, it has quickly spread to all parts of the world. Current hotspots include Iran and Turkey in the Middle East, in Europe is Italy, Spain, France, the UK, Germany and Russia. Within Asia is South Korea and Singapore. All of these countries have however been outnumbered by the number of victims within the United States. While new cases are slowing in China due to the extraordinary measures they are taking to isolate sick individuals and prevent spread and of the disease, the cases outside of China are increasing markedly.
Many of these highly affected areas are trying to contain and delay the spread of the disease. Many countries have taken more extreme measures by shutting down schools and requesting people work from home. While these are areas with the most cases we currently know of, individuals diagnosed with the new virus are popping up around the globe on a daily basis.
Experts are not completely sure how the virus is spreading. Clearly the virus is spreading person to person and they think the virus can live on surfaces for some period of time. It is likely the virus can spread through coughing and sneezing and live for some time on a person’s skin (if they touch their nose or nasal discharge). Medical professionals are suggesting we maintain social distance between each other to prevent person to person spread by touch (stay at least 1 meter apart) and not to shake hands, hug, or kiss in greeting each other.
We must avoid touching our eyes, nose or mouth, particularly while out in our communities and wash our hands before eating and when getting back home. An alcohol-based hand sanitizer with at least 60% alcohol can be used if you can’t access soap and water for hand washing. Avoid contact with people who are sick and if you are sick yourself, stay home and self isolate. If you think you do have this disease stay indoors, contact an appropriate medical facility by phone to get directions on what to do. It may not be a good idea to rush to a hospital or clinic if it is not necessary and in doing so expose yourself or others to infection.
There are some places that one should not travel to if one can avoid it. US citizens have travel restrictions given by the US Department of State. A level 4 warning tells us not to travel to that destination. Of course, we are free to ignore these advisories, but it is reasonable to consider their information. As of writing this blog, China, Iran and South Korea are on level 4 warnings, or "Do Not Travel" warnings. Italy and is at level 3 which is "Reconsider Travel". Japan and Hong Kong are listed as level 2 which is "Exercise Increased Caution". The CDC maintains similar lists with its recommendations. The highest of which is usually level 3 and is "Avoid Nonessential Travel".
Individuals in high risk groups should probably avoid travel into countries and communities with community spread of this virus. The data informs us that older individuals (over age 60) and particularly those with co-morbidities (like heart failure and COPD) will be likely be more negatively affected by this disease (that is, get a more sever form) and are more likely to die of the disease. We only know this from information that has come out of the outbreak in China and it is important to remember that there is much that remains unknown about this virus and the disease it causes.
This is a very good question. The answer is, “It depends”. It depends upon where you wish to travel. Here at American Visitor Insurance, we are happy to provide top options for Covid travel health insurance for travelers available in the US market. However, since all our companies are US-based companies, many of them use the US Department of State or Center for Disease Control (CDC) warnings when determining coverage. For the US Department of State, the level of warning is at 4 or “Do Not Travel”, then policies we offer generally will NOT cover you and some even for things completely unrelated to the coronavirus. Barring the level 4 warning, however, you can get coverage and that coverage will include coverage for coronavirus illness.
If, for example, you purchase a policy for your trip to Italy which is currently at level 3, but while you are traveling, that level is changed to 4, you are generally STILL covered since you did not travel against advice of the warning. Moreover, you would generally be covered for coronavirus illness should that occur. The same is true for CDC warnings. For CDC, the level 3 warning may exclude coverage from many companies. However, there are some differences between companies, so for specifics, please see some specific guidelines from our providers below.
Of particular note, trip cancellation policies available to US citizens and residents allow for trip cancellation due to your own illness or quarantine as part of their normal cancellation policy. You can also purchase many plans with a "Cancel for Any Reason" (CFAR) option (it is included in some) which will return 75% of your travel investment should you simply decide that you don’t wish to risk the trip or some other situation occurs outside your control that, does not allow normal cancellation of your trip, but still keeps you from taking your trip (for example, your best friend, who is not traveling with you, is sick and you want to stay home and help her).
There are four plans that we offer with CFAR coverage: Travel LX insurance and Round Trip Choice Insurance. The first one is offered by IMG and to get the CFAR coverage they must be purchased within 20 days of the initial trip deposit. The last two offer CFAR coverage as a rider which increases their cost. Note that not all plans are available in all states.
If you already have a travel insurance that covers covid, you should be able to extend it till you return to your home country. If you purchased the 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 plan 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 insurance providers, namely International medical Group (IMG), Trawick International, Global Underwriters, Seven Corners, WorldTrips, Travel Insurance Services who are providing coverage for Covid19. In fact these companies also allow travelers who are already in the US but currently uninsured to buy their travel health insurance covering covid 19 within the US.
The coverage for COVID19 will depend on your travel insurance policy. Some US insurance providers like International medical Group (IMG), Trawick International, Global Underwriters, Seven Corners, Travel Insurance Services, WorldTrips are providing COVID19 travel insurance coverage.
If you have one of their travel health insurance that covers Covid plans, you will be covered for medical expenses relating to COVID19 as long as your have bought the travel insurance with Covid coverage before you contracted the virus. If you have purchased travel insurance from any of the other US travel insurance providers like IMG, SevenCorners, WorldTrips..., coverage for COVID19 will depend on when you bought your travel insurance. Most of these companies made the coverage for COVID19 an exclusion once it was declared an global pandemic by the Center for Disease control (CDC) in the United States. Testing for COVID19 itself however will be considered preventive care, and all the travel insurance plans will exclude preventive care expenses.
Yes, you can buy Covid19 travel insurance. The US insurance providers with single trip travel insurance that cover covid 19 are International medical Group (IMG), Trawick International, Global Underwriters, Seven Corners, WorldTrips, Travel Insurance Services. You can compare plans from these top rated insurance providers. Other US insurance providers do not offer holiday insurance including covid 19 cover as the CDC declared COVID19 a global pandemic. Testing for COVID19 however will be considered preventive care, and all the travel health insurance covid 19 plans will exclude preventive care expenses.
US visitor medical insurance plans will not provide any coverage for preventive care. Testing for COVID19 will be considered preventive care, and the Covid health insurance USA plans will not insure that. Expenses relating to the treatment of COVID19 may be covered depending on your visitor insurance plan and when you purchased it. Some insurance companies made coverage for COVID19 an exclusion after the CDC announced it as a global pandemic.Know more
Covid 19 travel insurance coverage is only for unplanned medical expenses not for preventive care or for pre-existing conditions. Covid 19 holiday insurance cover will therefore not provide any coverage for getting tested for COVID19 (preventive care) or for treatment 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, Seven Corners, International Medical Group (IMG), WorldTrips, Insurance 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 regarding the coverage.
There are some plans that cover covid 19 as a new illness. However it will be considered a pre-existing ailment if you buy the travel insurance after being infected by the virus. It is important to buy Covid 19 travel insurance before you start your international travel.
At present the following three USA insurance providers - Trawick International, Seven Corners, WorldTrips, International Medical Group (IMG) and Global Underwriters provide US Covid 19 travel insurance coverage. These plans are available for foreign travelers visiting the USA, for US citizens and US residents traveling outside the USA as well as non US travelers traveling outside their home country.
Yes, we offer Annual travel insurance plans for Covid 19. At present the following three USA insurance providers - Seven Corners, Trawick International and WorldTrips provide Covid 19 annual travel insurance for coronavirus. Seven Corners has the Wander frequent traveler plus plan, Trawick international offers the Safe travel annual plans and WorldTrips offers the Atlas multi trip plan as annual Travel Insurance with Coronavirus Coverage. These annual travel insurance for covid however require the travelers to maintain continuous medical coverage in their home country.
Now that the CDC announced that the world is at a level 3 travel advisory, Do you have travel insurance during covid 19?
Ans. There is no change in the coverage. INF Insurance offers travel medical insurance that offers covid 19
Will these policies be voided given that travelers are basically stuck wherever they are and there is no place "better" to travel to?
Ans. If they are currently enrolled, the policy will not be voided. If they are enrolling after the arrival date (most common situation now) they may go through special underwriting.
Will policies already purchased before March 27th where travelers where NOT in level 3 areas already have "normal" coverage for all illnesses except COVID-19 or will COVID-19 be covered for them?
Ans. INF plans cover COVID-19 like a new sickness, subject to the terms and conditions of the policy. This is not a guarantee of benefits, however, as each claim is evaluated individually.
Will you be issuing new policies since the CDC announcement?
Ans. Currently, we will continue to support our customers and allow new enrollments in INF Standard and INF Traveler USA and others case by case.
Many people are currently stuck in countries with their other policies running out and non-renewable. Can they purchase the your policies ?
Ans. Yes, they can enroll in the INF covid-19 travel insurance policies.
Will you continue to allow pre-existing condition coverage during the month of April for the "marooned" travelers?
Ans. As of now, the pre-existing coverage will remain intact. For new enrollments, they may undergo special underwriting.
Will these policies cover any other illness, injury or accident as long as the person does not travel?
Ans. Yes, the plan will cover eligible sickness and accidents.
Can they travel (say from US to Canada and back?)?
Ans. If they are a Non-US Citizen or Non-US Resident, yes they will be able to.
Will they cover COVID-19 if they stay in one country or if they travel or not at all?
Ans. INF plans cover COVID-19 like a new sickness, subject to the terms and conditions of the policy. This is not a guarantee of benefits, however, as each claim is evaluated individually.
What happens if I catch COVID-19 on the flight to the USA?
Ans. INF travel insurance that covers coronavirus will treat it 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?
Ans. We cannot prove that you were infected with COVID-19 by simply being in contact with someone who had / has it. This has no effect on the coronavirus travel insurance. 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?
Ans. 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 COVID-19 in the airport on the way to the US?
Ans. We would still cover coronavirus 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 travel insurance cover Coronavirus even though it's declared a pandemic & there are travel advisories out by my government about non-essential travel?
Ans. 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 COVID-19, will INF travel health insurance coronavirus cover my medical expenses?
Ans. 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 & COVID-19 tests covered by INF?
Ans. Antibody test prescriptions can be obtained via INF's telemedicine program for $0 (free). COVID-19 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.
Additionally, we do not cover anyone who is already sick or showing symptoms, or plans to see a physician in the immediate future. As you know, the situation is developing day by day and is constantly changing. If the Travellers are interested in enrolling, we advise them to enroll right away.
Disclaimer: INF travel insurance will cover COVID-19 like any other new sickness, subject to the terms and conditions of the policy. There is no special coverage or exclusions with regard to COVID-19. However, these statements on coverage do not constitute a guarantee of payment, as each claim is evaluated on its individual merits, and requires a review of the patient's medical records and services provided.
Global Underwriters 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 insurance will treat it as pre-existing and will not offer coverage for it.
Diplomat America visitors insurance by Global Underwriters offers coverage for covid-19 as a new sickness. It is available for Non-US citizens or residents travelling to the US. Diplomat Long term medical insurance must be bought for a minimum of 3 months and has a plan maximum options of $500,000 and $1,000,000 for medical expenses. You can compare Diplomat Insurance for visitors to USA.
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. Travelers should carefully compare and understand the different insurance policies before purchasing visitor medical insurance for coronavirus to make sure they are protected.
Will Liaison Travel Plus insurance policies cover COVID-19 if they stay in one country or if they travel or not at all?
Ans: Liaison Travel Plus insurance will cover all expenses from Covid-19.
Many travelers are currently stuck in countries with their other policies running out and non-renewable. Can they purchase a Liaison policy?
Ans: Yes they can purchase a Liaison Travel Plus insurance plan that will offer them coverage for Covid-19.
Will Liaison Travel Plus insurance cover any other illness, injury or accident as long as the person does not travel?
Ans: Yes, Liaison Travel Plus insurance offers coverage for other illness, injury or accident as long as the person does not travel.
Can they travel (say from US to Canada and back)?
Ans: If the US government allows them to travel then yes!
Most travelers often plan a trip or vacation well ahead of time. A planned trip involves expensive airline tickets, hotel reservations and cruise bookings. Due to the Coronavirus (Covid 19) outbreak, CDC, WHO or other government agency have issued travel alert to not visit a few countries. This is a serious condition that may force a traveler to cancel travel plans made in advance. The Trip Cancellation insurance with the "Cancel for any reason" benefit comes to your rescue.
The travelers can cancel their expensive ticket bookings, hotel reservations and other expenses using this benefit. Trip cancellation insurance will help to receive majority of the trip investment expenses spent on a vacation. Most of trip cancellation insurance plans also cover emergency medical expenses and accidental injuries. Therefore it is advisable to buy the Trip Cancellation insurance with "cancel for any reason" while planning a trip or a vacation. You can use our compare trip insurance quotes to review quotes of trip cancellation insurance plans.
Coronavirus visitors medical insurance for international visitors visiting USA.Know more
Health insurance for Covid 19 for international travelersKnow more
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