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Ask Our Specialists
Hello, I am from India and will be visiting the US for 6 months.I read the wording of the Patriot (img) plus policy. They say that covid is covered only if I am INFECTED after effective date.If I am infected with the delta variant during my flight, the disease comes on fast and severe. US doctors may determine that I was infected before I took the flight and therefore not pay for the medical expenses.I am happy to take a policy that will cover covid as long as they stipulate that new medical symptoms arise after effective date, but do not mandate that the infection should also have occurred after effective date.Is there any such policy?My trip is to start in about 18 days.Thank you
Unfortunately, there is no such plan. All the plans that include the coverage for COVID-19 will have some sort of wording associated with what you have described. The infection must occur after the effective date. If it is proven that the infection were to begin prior to the effective date, it would not be covered as the plans only allow the coverage for new illnesses and injuries that are contracted after the effective date. Should you have additional questions please let us know. You may also call our office at +1 (866) 467-8289.
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DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.
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