Coronavirus and US Visitors Insurance

Declared a global pandemic and a national emergency in the US, Coronavirus has claimed over 90K lives and infected over 1.6 million people in the US. The number is growing at a steady pace and several restrictions have been put in place to stem this deadly spread. All international travel is temporarily suspended, different degrees of quarantine enforced and norms on social distancing established.
HomeInsuranceCoronavirus and US Visitors Insurance

One critical feature associated with travel is visitors insurance. As scores of travelers were caught unawares by the rampant spread of this virus, having visitors insurance has become all the more important today.

As travel restrictions are gradually easing off and international borders are reopening for flights to and from the US, it is very important to know how to get medical coverage for Coronavirus. We cover what is and isnt covered when it comes to Coronavirus Visitors Insurance when traveling to the US.

Guide: How To Choose A Covid-19 Travel Insurance Plan

While most insurance plans that have already been purchased before Coronavirus was declared a global pandemic do not provide coverage, they still cover for issues unrelated to Coronavirus. This means insurance companies view the coronavirus as a foreseen event that has a reasonable expectation to occur! This approximate date that most insurance companies are adhering to is in and around January 21, 2020.

Related Read: Coronavirus: How To Stay Safe On Your Travels

Which Visitors Insurance Plan Covers For Coronavirus

Travel medical insurance is the top choice for visitors insurance coverage for Coronavirus.

Travel Medical Insurance

The first thing to do before planning a trip is to check for any travel advisories in place for your country of destination since some insurance plans do not provide insurance coverage if a travel advisory is in place. Currently there is no travel advisory in place for the US.

The following plan will cover Coronavirus related treatment and services when traveling to the US:

CoverAmerica Gold

  • The CoverAmerica Gold insurance plan is the world’s most comprehensive visitors insurance plan that covers Covid-19 like any other illness if contracted after the policy effective date. From a public emergency screening benefit to repatriation, CoverAmerica Gold can cover Covid-related medical expenses up to the policy maximum.
  • It provides for a quarantine indemnity/stipend as long as there is formal documentation from a state health official or certified doctor requiring the beneficiary to quarantine.
  • It provides coverage from 5 days to 365 days and is renewable and cancellable.
  • This plan covers for urgent care copays and has a high coverage especially for people over the age of 70.
  • Please ensure you educate yourself with all the policy details and coverage before you BUY Cover America Gold

Do you have to quarantine due to Coronavirus? Your Travel Insurance Might Support You! THIS is how

FAQs About Coronavirus and Medical Insurance

Question: Will your insurance plan cover you for Coronavirus during the trip?

Answer: If you contract the Coronavirus during your travel to the US, you might have some coverage depending upon the policy plans of your individual visitors insurance plan. This depends upon how your medical insurance provider evaluates the illness as a foreseeable or non-foreseeable event.
Talk to your insurance provider about the details of your plan coverage.

Question: Is testing for Coronavrius covered under the policies?

Answer: Testing for Coronavirus can be covered if the policyholder is experiencing symptoms and the test is ordered by an attending physician for diagnostic purposes. Coronavirus test to meet travel requirements will not be covered.

Question: Some airports have additional screening in place to ensure only asymptomatic travelers are boarding the flight. Will you be covered if you miss your flight because of this?

Answer: No, visitors insurance does not cover for delayed or missed flights due to airport security measures.

Question: Can you postpone your trip because of a Coronavirus-related reason?

Answer: If you need to postpone your trip due to Coronavirus-related reasons, you may be able to cancel your travel medical policy and receive a full refund. Standard travel medical plans begin after the policyholder has departed the home country, if your plan is not yet started, you may request for a cancellation with the insurance company.


Information provided here is for informational purposes only. You should consult a licensed insurance agent to verify details of coverage and eligibility before making purchase of a policy.


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