All Point Comfort® Plans Include $100,000 of Coverage for Covid-19
International travel and transportation are the lifeblood of the global economy and Covid-19 threw a big wrench into it’s gears. One giant step toward getting this machine running again is the provision of coverage for medical expenses related to Covid-19 and its variants. Point Comfort® has created a plan that provides up to $100,000 in medical expense coverage for Covid-19 contracted while you are abroad.
Coverage is not available for travel to countries where the U.S. Department of State has issued a Level 4 (Do Not Travel) Warning. Travel to countries with a Level 3 (reconsider travel) and Level 2 (exercise increased caution) warning are covered up to $100,000. Point Comfort® is making coverage available to travelers at no additional premium and with no age limit on who can obtain coverage.
All plans include coverage for Emergency Medical Evacuation and Repatriation, Emergency Medical Reunion, Return of Minor Child and Local Burial or Cremation. Coverage for other accidents and illnesses remain in force should you contract Covid-19.
For specific information related to COVID-19 and travel requirements visit the US Department of State's COVID-19 Country Specific Search. CLICK HERE
Q. Does my plan cover medical expenses for treatment of Covid-19?
A. If you travel to a country that is already under a Level 4 (Do Not Travel) warning relating to Covid-19 issued by the US Department of State, you are not covered for expenses related to treatment of Covid-19. 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 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 is issued? Am I covered for treatment of Covid-19?
A. Yes, you are covered for up to $100,000 in eligible medical expenses for treatment of Covid-19, 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, but you remain covered for all other eligible medical expenses.
Q. Does my plan provide coverage related to Covid-19 if a Level 3 US State Department warning related to Covid-19 is in effect?
A. Yes, you are covered for up to $100,000 in eligible medical expenses for treatment of Covid-19, 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, 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, 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: If my plan includes coverage in the US, am I covered for treatment of Covid-19 in the US?
A: Yes, you are covered for up to $100,000 in eligible medical expenses for treatment of Covid-19, 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, will my pre-existing conditions also be covered?
Q: Am I covered for Covid-19 if I contracted it prior to my effective date?
Here is a link to the web portal detailing the Global Level 4 Travel Warning currently in effect: