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Best Travel Insurance for COVID 19 & Coronavirus

Best Travel Insurance for COVID 19 & Coronavirus

Boy oh boy! I feel like a hermit sitting at home attending Zoom calls all day. I’m sure you too are feeling the same.

Life has become more sedentary and if there’s one thing I can ask for, then that is travel. How I miss traveling!

At the time of writing this article, domestic travel is open, but I have no reason to believe that it is safe. COVID 19 cases are spiking in India, and the only silver lining I can see is some companies developing the vaccine.

Once the vaccine is out, I’m going to be traveling like there’s no tomorrow. But until then, stay low and be a hermit perhaps?

But, if you want to travel meanwhile, there’s hope.

Of course, travel will not be the same as we knew it. Most likely, you’d be traveling around in awkward masks or face-hear, carrying a bottle of hand sanitiser.

But hey, the days to worry are gone. Thanks to a bunch of travel insurance companies who have decided to include COVID 19 and Coronavirus testing under their standard insurance plans.

What that means is, you can travel safe and worry free, if you have bought these travel insurance plans.

In the unfortunate event that you fall sick, these plans can cover you for Coronavirus testing or treatment.

So, which are the best travel insurance plans that cover Coronavirus / COVID treatment?

Here are the best plans that cover Coronavirus / COVID treatment.

Best Travel Insurance Covering COVID & Coronavirus
1. Atlas America
2. Safe Travels USA Comprehensive
3. Safe Travels USA Cost Saver
4. Atlas Essential America
5. Atlas Premium America

Atlas America

Atlas America is a popular and well-established travel insurance plan in the market. So much that it is one of the most popular travel insurance plans for visitors to USA.

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Under this plan, if you’re traveling to USA you will receive the following benefits.

  1. Eligible medical expenses incurred in the U.S including hospital room expenses, ambulance, emergency medical evacuation, ICU etc.
  2. Eligible expenses related to COVID-19.
  3. Travel benefits like Trip Interruption, travel delay, and lost checked baggage.

Coronavirus coverage with Atlas America

According to Tokio Marine (the company that administers this policy), all eligible expenses related to COVID 19 will be covered by this policy. Read their entire description of coverage here.

Safe Travels USA Comprehensive

Safe Travels USA Comprehensive is another popular travel insurance plan for visitors to USA that offers COVID and Coronavirus coverage.

It is administered by Trawick International, a well-reputed travel insurance company that offers different options for policy maximum (from $50,000 to $1000,000) and offers coverage under the First Health PPO network.

Do Safe Travels USA Comprehensive cover Coronavirus and COVID 19?

Yes, under Safe Travels USA Comprehensive plan, expenses and treatment are covered just like any other sickness.

Safe Travels USA Cost Saver

Safe Travels USA Cost Saver is an economical and cheaper plan as compared to Safe Travels USA Comprehensive plan.

The difference is that under the Cost Saver plan, unexpected recurrence of a pre-existing condition is covered and up to the first $1,000 of covered expenses. While in the Comprehensive Plan, sudden and acute onset of a pre-existing condition is covered and up to the maximum policy limit per period of coverage up to age 69.

In Safe Travels USA Cost Saver plan, all expenses and treatment related to COVID 19 are also covered just like any other disease.

What does travel insurance cover for Coronavirus?

Travel insurance covers Coronavirus and COVID 19 like any other disease. As in, any medical expense incurred due to COVID will be covered by travel insurance (only selected policies like the ones mentioned in this article.)

Does travel insurance cover for cancelled flights?

Yes. Not all but certain travel insurance plans do cover flight cancellations. See this article for a list of travel insurance plans that cover flight cancellations.

Does travel insurance cover travel bans?

Yes. Certain travel insurance plans cover flight and trip cancellations to selected locations with travel bans. It depends on which travel insurance you get though.

What does travel insurance not cover?

Every travel insurance plan have exclusions that limit the coverage and benefits. You’ll need to check directly with the insurance company what the exclusions are.

About the author

Mani Karthik

In my pursuit of happiness, I share everything I've learned, on this blog. From productivity to spirituality and everything in between. I quit my cozy job in the USA to pursue my passion - blogging. Today, I make five times what my US job paid. More than the money, I love the freedom it gives me to make my own choices. Come join me. Start blogging! :) WhatsApp : +0014084894785

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