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Coronavirus: Stay safe during international travel

More than 5 million infected and hundreds of thousands have died globally with the novel coronavirus-Covid19. Leaders worldwide are taking all precautionary measures to control the spread of this virus. In the given situation many travelers are understandably worried as to what it means to travel overseas and have proper travel insurance coverage.

In the current situation of coronavirus what will happen to travel plans? Will your international travel insurance cover help you? If you are travelling internationally what should you do to keep the family and loved ones safe? Is cancelling my trip the best choice? This article on covid-19 may help you find some answers to your questions regarding international travel.

US residents and citizens have received a level - 4 health advisory from the U.S department of state advising to avoid all international travel due to coronavirus. They have also said that if any of the US citizens are living outside the country currently should return home straightaway, and additionally the state also said the "if anyone chooses to travel internationally they will be forced to stay outside the U.S.A for an undefined time".

Will Travel insurance cover international travelers?

Depending on various factors you may get coverage or have no coverage at all for coronavirus. Travel Insurance within itself can be categorized into two main classifications:

• Travel medical insurance
• Trip Cancellation insurance

Travel Medical Insurance

Travel medical insurance is a coverage for your health, a protecting against illness, injuries and accidents while you are away from the home country. Travelers who have an existing policy may be covered if the traveler has arrived in the destination country prior for the warnings were give out for the country you arrived. If your home or destination country is declared an unsafe region due to coronavirus and if you’re planning to purchase a new travel medical insurance plan, in this case you may not be covered for coronavirus.

Trip Cancellation Insurance
Trip Cancellation insurance is a cover for few pre-paid expenses like airline tickets, lost luggage, flights, cruises and a stay at the hotel. If you want to cancel the trip and your existing trip insurance cover has "Cancel for any reason" coverage included in it, you can be covered for coronavirus however if it's not included then the coverage is no given. This option of cancel for any reason is available only within the first 20 days of the trip deposit date.
If you have not brought a trip insurance cover and planning to buy one, it is advisable that you include "cancel for any reason" cover in the insurance so that if you decide to cancel your trip you can 2 days in advance of the departure date.

Is coronavirus covered by International travel insurance providers?

Given the current situation of coronavirus pandemic many insurers have excluded coverage for COVID-19 post it was declared as pandemic by the CDC of USA. However there are few US insurance providers who are providing coverage for coronavirus as long as you buy the cover before you have contracted the virus.
At America visitor's insurance, we endeavor to offer the best travel insurance coverage. We work together with a collaboration along with different US insurance providers who cover coronavirus, with individual rules and policies to provide good and competitive cover to the individuals to cover coronavirus.
If you are buying a new plan, take a look at these insurance providers to understand the plans for what they offer should you need medical assistance while you travel during coronavirus.

I have an upcoming international travel what should I do to protect my travel?

If you have an upcoming travel in the coming days and you are planning to purchase a new International travel insurance cover that will cover your medical expenses for coronavirus, depending on what factors are prevailing at the time of purchase you may get international travel coverage for coronavirus. It is advisable that you can also alternatively buy trip insurance cover to protect yourself and travel investment. While you buy a trip insurance cover adding the option of "cancel for any reason" is more relevant, if in case of you deciding to cancel the trip regardless of any reason you can save some of the non-refundable cost of flight and hotel reservations in times of coronavirus. These options always have some specific timelines in added in the contract. As on March 27, 2020, the CDC of U.S.A has issued a global level-3 travel warning, advising individuals to avoid all nonessential international travel due to Coronavirus.