Buying best visitors health insurance for Covid - FAQ

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.

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.

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.

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.

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 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.

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.

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.

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.

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.

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.

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 “Cancel for any reason” or “Covered reason” 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.

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.

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.

Unless you have “cancel for any reason” included in your travel insurance cover, the advice ‘not to travel‘ by your doctor is a not a covered reason in an insurance cover.

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.