USA covid19 visitors medical insurance, Covid19 insurance for visiting USA

If you already have a visitors insurance plan, you should be able to extend it till you return to your home country. If you purchased the visitors 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 visitors 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 visitors insurance providers, namely Trawick International, Global Underwriters, International Medical Group (IMG), Seven Corners who are still providing coverage for Covid19. In fact these companies also allow travelers who are already in the US but currently uninsured to buy their visitors insurance and get coverage for Covid19 within the US.

Yes, you can buy US traveler insurance that will cover Covid (Covid19). The US insurance providers currently offering coverage for COVID19 are Trawick International, Global Underwriters, International Medical Group (IMG), Seven Corners, Travel Insurance Services. Other US insurance providers do not offer coverage for COVID19 as they the CDC declared COVID19 a global pandemic. Testing for COVID19 however will be considered preventive care, and all the traveler insurance plans will exclude preventive care expenses.

Visitors medical insurance is only for unplanned medical expenses not for preventive care or for pre-existing conditions. US visitors insurance will therefore not provide any coverage for getting tested for COVID19 (preventive care) or for treatment of COVID19 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, International Medical Group (IMG), Seven Corners, Travel Insurance Services 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.

Some USA Covid travel insurance plans cover covid 19, however the Covid ailment will be considered pre-existing if the visitors buy the USA Covid travel insurance after being infected by the virus. Hence it is important to buy travel insurance before one starts the international travel. Currently these USA insurance providers offer the best Covid travel medical insurance coverage - Trawick International, International Medical Group (IMG), Seven Corners, Travel Insurance Services and Global Underwriters. The travel insurance plans are available for foreign visitors in the USA, for US citizens and residents traveling outside the USA as well as for non US travelers traveling outside their home country.

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.

Currently the US authorities are insisting on a RTPCR test taken 3 days prior to traveling to the US. After arriving in the United States you must follow public health recommendations provided by CDC if your test result is positive or if you have symptoms of Covid 19 by self-isolation to protect others from the infection.

For outbound travelers CDC has not placed a mandatory requirement of test report; however you need to check with the destination country for Covid 19 requirements before departure.

All flights entering the US even for transit requires a negative covid 19 test report.

If your return flight is well before the end of 3 days then you can use the covid 19 test reports which were used for departure. In case the return travel is more than 3 days after the test was taken then a retest is necessary.

You need to take the RTPCR test no more than 3 days prior to your departure date. Ensure that you receive your test results before you reach the airlines and also have documentation for the result.

No, the Covi19 test expenses will not be covered by any of the travel insurance plans if required purely for travel purposes (ie as required by a country to allow entry or by an airline). The expenses can be covered if it is prescribed by a medical practitioner during the travel as part of required medical examination.

A travel insurance cover provides coverage for all unexpected emergencies that may occur during the travel. Preventive measures is not insured by most travel insurance providers, Covid 19 vaccine is a preventive measure and is hence not covered unless it is mentioned in the policy document.

Getting a Covid 19 vaccine is strongly encouraged in the US and many US domestic health insurance providers may offer Covid 19 vaccine. However a travel health insurance plan is not replacement for domestic US health insurance thus will not provide coverage for Covid 19 vaccine.