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Coronavirus

 

Coronavirus FAQ

Q.   Does my plan cover medical expenses for treatment of Covid-19/SARS-CoV-2?       

A.   If you travel to a country that is already under a Level 4 (Do Not Travel) warning relating to Covid-19/SARS-CoV-2 issued by the US Department of State, you are not covered for expenses related to treatment of Covid-19/SARS-CoV-2.  You are covered for all other eligible medical expenses.  For an up to date list of countries subject to the Level 4 warning relating to Covid-19/SARS-CoV-2  CLICK HERE

 

Q.  What if I am already in a country when a Level 4 (Do Not Travel) US State Department warning related to Covid-19/SARS-CoV-2 is issued?  Am I covered for treatment of Covid-19/SARS-CoV-2?

A.  Yes, you are covered for up to $100,000 in eligible medical expenses for treatment of Covid-19/SARS-CoV-2, as long as you depart that country as soon as possible, not more than 15 days unless a longer time is approved in advance by PCU.  If you elect to remain after 15 days, you have no coverage for treatment of Covid-19/SARS-CoV-2, but you remain covered for all other eligible medical expenses. 

 

Q.  Does my plan provide coverage related to Covid-19/SARS-CoV-2 if a Level 3 US State Department warning related to Covid-19/SARS-CoV-2 is in effect?

A.  Yes, you are covered for up to $100,000 in eligible medical expenses for treatment of Covid-19/SARS-CoV-2, as long as there has been no Level 4 warning in effect within 30 days prior to your treatment.

 

Q:  If I return to my home country early due to the issuance of a Level 4 warning by the US State Department regarding Covid-19/SARS-CoV-2, will any of my premium be refunded?

A.  Yes.  If you have not filed any claims, the premiums attributable to your unused days will be refunded, after deduction of an administrative fee of $50. You must notify PCU of your intent to cancel in advance.

 

Q:  If I am diagnosed with Covid-19/SARS-CoV-2, what should I do?

A:  While not required, we recommend you contact PCU as soon as possible.  Our assistance team can help you locate providers locally or make travel arrangements to return home. 

 

Q:  Does the Global Level 4 Health warning issued by the US Department of State on March 24, 2020, include the US?

A:  No.  The warning only applies to US citizens traveling to other countries.

 

Q:  If my plan includes coverage in the US, am I covered for treatment of Covid-19/SARS-CoV-2 in the US?

A:   Yes, you are covered for up to $100,000 in eligible medical expenses for treatment of Covid-19/SARS-CoV-2, as long as you entered the US legally, including observance of any legally mandated quarantine and testing requirements applicable to you. 

 

Q:  If I am covered for treatment of Covid-19/SARS-CoV-2, will my pre-existing conditions also be covered?

A:  No. 

 

 

Here is a link to the web portal detailing the Global Level 4 Travel Warning  currently in effect:

U.S. Department of State | Travel Advisories