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The Payment Card Industry Data Security Standard (PCI DSS)—which was developed by the PCI Security Standards Council (PCI SSC) created by Visa, MasterCard, American Express, Discover, and JCB—is an extensive set of technical and operational standards that a company needs to follow to ensure that all companies that process, store, or transmit credit card information maintain a secure environment.
There are many stringent requirements, including but not limited to:
PCI DSS has six major objectives, 12 key requirements, 78 base requirements, and over 400 test procedures. Click here for more information.
When a business is PCI-compliant, it means that that the business reviews and follows the guidelines set forth by the credit card companies to help ensure your credit card information is protected and your personal information is secure.
Last Updated: 10/12/2022
Due to continuing coronavirus (COVID-19) infections and variants, many people traveling abroad, including visitors to the U.S.A. and their families, are concerned about whether medical treatment would be covered if they were to fall sick from coronavirus. As the disease continues to spread, they have many questions.
These FAQs aim to clarify some of the questions specific to international travel insurance that covers COVID-19. As the situation changes rapidly, it is best to check with us for the latest information.
A: Exclusion varies based on the insurance plan:
As of Friday, May 15, 2020, coronavirus coverage will be available to customers who purchase the ExchangeGuard and StudentSecure plans on May 15 and afterwards.
As of Wednesday, July 15, 2020, coronavirus coverage will be available to customers who purchase the Atlas plans and VisitorSecure plans on July 15 and afterwards.
Anyone that has purchased the insurance up to 3/27/2020 can have the coronavirus coverage for a maximum of 10 days from 3/27/2020. If the CDC had already issued a travel warning for a given destination country prior to 3/27/2020, the coronavirus coverage would end within 10 days from the travel warning for a given country.
As of Wednesday, July 1, 2020, coronavirus coverage will be available to existing and new customers who purchase Patriot Exchange Program, Student Health Advantage plans.
As of Tuesday, September 1, 2020, coronavirus coverage will be available to new customers who purchase Patriot America Plus or Patriot America Platinum plans.
As of May 5, 2020, coronavirus coverage will be available to new customers who purchase Visitors Care, Patriot International, Patriot International Platinum, Patriot International Group, or Patriot Platinum International Group plans.
As of March 31, 2021 coronavirus coverage will be made available to new customers who purchase Outreach America, Outreach Group, or Outreach International plans.
As of October 12, 2022, coronavirus coverage will be excluded for customers who purchase the Safe Travels USA Cost Saver plan.
They specifically exclude coverage for the coronavirus for policies purchased on or after March 11, 2020.
As of Thursday, August 13, 2020, coronavirus coverage will be available to customers who purchase the Study USA - HealthCare plans on August 13 and afterwards.
As of Wednesday, September 23, 2020, coronavirus coverage will be available to new customers who purchase the Visit USA-HealthCare plans.
As of April 15, 2021, coronavirus coverage will be available to new customers who purchase the WorldMed or InterMedical plans.
As of Tuesday, August 23, 2022, coronavirus coverage will be available to customers who purchase the Beacon America and Beacon International plans. These plans will cover COVID-19 up to $100,000 or to the policy maximum, whichever is lower.
A: It is not covered.
A: Wellness visits are governed by ICD code, which does not include specific testing. Therefore, it will not cover the coronavirus test, even if the doctor advises that you should get tested within the course of the wellness exam. In any case, as $125 is the total payout, the benefit usually doesn’t cover 100% of the wellness exam, anyway.
A: No. Fortunately, insurance prices are regulated by law, and no visitors insurance company has raised prices due to coronavirus.
A: Test expenses are not excluded simply because the results are negative.
Please note that the exclusion related to CDC Level 3 Travel Health Notices, where applicable, still applies.
If you have symptoms of a sickness, the insurance company would cover whatever is medically necessary, as long as it is not excluded due to other restrictions such as travel warnings, pre-existing conditions, etc. Medically necessary procedures are not considered preventive checkups.
A: Only a medical professional can diagnose when a person acquired COVID-19. The insurance company would rely upon the professional opinion of the treating physician. Only a medical professional can diagnose when a person acquired COVID-19.
A: Different companies have provided different answers:
WorldTrips:
The complications would be covered if the cause of the issues was a covered condition, i.e., coronavirus.
IMG Plans:
More details are required for more specific cases. It depends on the location of the insured, where they are traveling, etc. Coverage for pre-existing conditions depends on the condition. The location affects the pandemic exclusion due to travel advisories.
Trawick:
The virus is treated the same as any other illness, including how pre-existing conditions are applied to chronic conditions.
If you have a question that this FAQ doesn’t include, please contact our office at ofni or +1 (972) 985-4400 for help, or to find the best COVID-19 travel insurance for your needs.
Ask our specialists - Licensed and experienced insurance professionals in the U.S.
Prices are regulated by law.
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Make an instant purchase online and get instant visa letter.
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Purchase annual multi trip travel insurance for your travels.
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Purchase international student health insurance that meets most school requirements.
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