The coverage for COVID19 will depend on your traveler insurance policy. Some US insurance providers like Trawick International, Global Underwriters Seven Corners are still providing coverage for COVID19 in their traveler insurance plans. So if you have one of their traveler insurance plans, you will be covered for medical expenses relating to COVID19 as long as you have bought the traveler insurance policy before you contracted COVID19. If you have purchased traveler insurance from any of the other US traveler insurance providers like IMG, SevenCorners, TokioMarine..., coverage for COVID19 will depend on when you bought your traveler 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 traveler insurance plans will exclude preventive care expenses.
International travel insurance plans will not provide any coverage for preventive care. Testing for COVID19 will be considered preventive care, and the travel insurance plans will not insure that. Expenses relating to the treatment of COVID19 may be covered depending on your international travel 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.
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.
USA as well as around the world offered by US insurance providers. Given the several travel insurance international options, it can be confusing to find the best health insurance for international travel for your needs. What is very useful in making this decision is to compare travel insurance USA of different companies. The travel insurance comparison allows travelers compare prices as well as coverage benefits in an objective manner. The traveler can change relevant factors like the medical maximum coverage required, the international traveler insurance deductible, any international travel health insurance plans with coverage for pre-existing ailments, travel insurance international coverage for Covid19 ... The global travel insurance comparison also allows travelers to buy the best travel insurance based on ones needs by completing an online application and paying using a credt card. One completing the purchase the travel insurance plan is emailed to the customer.
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