Visitor Insurance with Covid Coverage

The virus responsible for Covid19 was first reported from Wuhan, China in December 2019. The disease was characterized as a “pandemic” by WHO in March 2019. CDC issued a Global Warning Level 3 for international level 3 warning, avoid non-essential travel to stop this widespread virus.

Travel plans for many were cancelled as travel between countries was stopped to stop or minimize the spread of this unknown virus.  International travelers who were stuck outside their home country faced special challenges due to this international level 3 warning. Many of them are forced to change travel plans and have to stay in countries where the medical cost is extremely high. We have international travel insurance with covid-19 coverage options for such travelers.

When you are purchasing travel insurance coverage, either if you are stuck outside your home country and need to buy health insurance or for an upcoming trip it is very important now more than before that you check to see if there are any exclusions on pandemics. Many insurance companies have exclusions for pandemics and might not cover coronavirus related illness.

If the exclusions specifically mention an exclusion on pandemics, then an illness and treatment due to covid-19 will be excluded from coverage. If there is no exclusion mentioned, then usually there will be a guideline on how covid-19 related illness and the treatment will be covered.  These USA travel health insurance covid options are changing all the time.  It is a good idea to ask question to the insurance provider about the coronavirus coverage either if you are buying a new policy or renewing an existing policy.

Plans that can provide you with Covid-19 coverage

Safe Travels Limited Benefits for Visitors to the USA.

Safe Travels Limited Benefits is a scheduled benefits accident and sickness medical coverage. It provides coverage for persons traveling to the USA and North America from other countries. The policy includes coverage for emergency medical evacuation and repatriation. 

Safe Travel USA Limited benefits is available to individuals and families from ages 14 days to 89 years. The policy can be bought for a minimum period of 5 days up to a maximum period of 364 days and is extendable for up to 24 months.

Safe Travel Limited Benefits plan is an affordable fixed benefits plan underwritten by Crum and Foster and is rated A (Excellent) by A M Best. The plan is administered by Trawick International.



Patriot America Plus  

Patriot America Plus is a comprehensive visitor insurance plan for non-US residents needing coverage in the US. Patriot America Plus is Underwritten by Sirius Specialty Insurance Corporation  and is rated “A-” by A M Best. The plan is administered by International Medical Group (IMG).

Patriot America Plus can be bought for a minimum of 5 days and up to one year and can be renewed without any break further for another year to a total of two years.

Patriot America Plus follows the United HealthCare PPO network which has a wide network of providers (hospitals, doctors, urgent care, etc.) all over the US.



Other visitors health insurance plans that cover Covid19 as any other illness are:

  1. Atlas America
  2. Atlas Premium America
  3. Visitor Secure
  4. Diplomat America
  5. Diplomat Long Term
  6. Patriot Platinum America
  7. Safe Travel USA Comprehensive

Covid-19 coverage for International Students and Exchange Visa Scholars

With travel opening up between countries, there are many international students and exchange scholars on J1 visa that are now travelling to the USA.  Coming to a new country is difficult and now more so with the pandemic. These students are also concerned about being covered for COVID-19.  Many insurance companies have not excluded coverage for coronavirus on their student insurances. It is always a good idea to verify what is covered by the policy before signing up for coverage. You can Contact Us by calling 804.325.1385 for more details.


As of now the following international student plans and Exchange visa insurance offer coverage for covid-19:

  1. Patriot Exchange
  2. Student Secure
  3. Student Health Advantage
  4. Collegiate Care
  5. Study USA

With all these plans, the coronavirus testing can be covered if ordered by a medical physician who deems it medically necessary, the insured fits the criteria for the test and the insured’s policy is active during the time of the testing. The medical expenses can be covered during the time of the policy if the signs and symptoms started during the effective date of the policy and will be paid per the parameters of the policy.

Get visitors health insurance with Covid19 coverage

Before you go on your next trip, be sure to get covered with a plan that works in this current pandemic. If you have any question about coronavirus coverage, please reach out to our Visitor Guard® at 804.325.1385.