Coronavirus Disease (COVID-19)

The virus responsible for COVID-19, was first reported from Wuhan, China in December 2019. On January 30, 2020, the World Health Organization (WHO) declared the outbreak of COVID-19, a “public health emergency of international concern” and, on March 11, 2020, the disease was characterized as a “pandemic.” On March 19, 2020, the U.S. Department of State issued a Global Level 4 Health Advisory. On March 27, 2020, the United States Centers for Disease Control and Prevention (CDC) issued a Global Warning Level 3, "avoid nonessential travel," due to the widespread and ongoing transmission of the novel coronavirus (COVID-19).

As of August 6, 2020, the U.S. Department of State, in coordination with the United States Centers for Disease Control and Prevention (CDC), has removed the Global Level 4 Health Advisory and reverted to a prior protocol of reviewing Travel Warnings on a country specific basis. The removal of the Global level advisory may affect the benefits afforded under IMG’s international medical product offerings.

Under the terms and conditions of IMG’s international medical products (not including iTravelInsured travel protection plans), travelers who purchase coverage on or after August 6, 2020 may be eligible for benefits directly or indirectly related to COVID-19, as long as the DOS or CDC have not issued a Level 3 or higher Travel Warning for your destination country. In addition, if a government agency from your country of residence has not issued a similar travel warning, you may be eligible for coverage for COVID-19 coverage.

If you have additional questions or concerns, please use this page to learn about the outbreak, access great resources for the most current information, and understand how you or your IMG coverage may be impacted by COVID-19.

General Coronavirus FAQs

What is coronavirus?

The most recently discovered coronavirus causes coronavirus disease COVID-19. The disease was first reported from Wuhan, China in December 2019. On January 30, 2020, the International Health Regulations Emergency Committee of the World Health Organization (WHO) declared the outbreak of COVID-19, a “public health emergency of international concern.

What are the symptoms of COVID-19?

The most common symptoms of COVID-19 are fever, tiredness, and dry cough. Some patients may have aches and pains, nasal congestion, runny nose, sore throat, or diarrhea. These symptoms are usually mild and begin gradually. Some people become infected but don’t develop any symptoms and don't feel unwell. Most people (about 80%) recover from the disease without needing special treatment. Around 1 out of every 6 people who gets COVID-19 becomes seriously ill and develops difficulty breathing. Older people, and those with underlying medical problems such as high blood pressure, heart problems, or diabetes are more likely to develop serious illness. About 2% of people with the disease have died. People with fever, cough, and difficulty breathing should seek medical attention.

How does COVID-19 spread?

People can catch COVID-19 from others who have the virus. The disease can spread from person-to-person through small droplets from the nose or mouth, which are spread when a person with COVID-19 coughs or exhales. These droplets land on objects and surfaces around the person. Other people then catch COVID-19 by touching these objects or surfaces, then touching their eyes, nose, or mouth. People can also catch COVID-19 if they breathe in droplets from a person with COVID-19 who coughs out or exhales droplets. This is why it is important to stay more than 1 meter (3 feet) away from a person who is sick.

How long is the incubation period of COVID-19?

The “incubation period” means the time between catching the virus and beginning to have symptoms of the disease. Most estimates of the incubation period for COVID-19 range from 1-14 days, most commonly around five days. These estimates will be updated as more data becomes available.

Insurance Plan FAQs

General information regarding IMG's insurance plans and COVID-19.

IMG offers several different types of insurance plans and their coverages may vary. You should always refer to your Certificate of Insurance as the definitive source for the terms, conditions and exclusions of coverage.* The following information is being provided in response to inquiries received regarding the COVID-19, as well as recent updates regarding travel warnings and restrictions from the following recognized health organizations or governmental agencies:

Centers for Disease Control and Prevention (CDC) has issued a Global Warning Level 3, Avoid Nonessential Travel.

U.S. Department of State - Bureau of Consular Affairs has issued a Global Level 4 Health Advisory - Do not travel.

I have a short-term IMG travel medical insurance plan and I have departed my Home Country/Country of Residence – am I covered if I contract COVID-19?

Most of our travel medical plans provide coverage* for COVID-19 related care if you have purchased and entered the destination country prior to either: 1) the CDC issuing a Warning Level 3 (avoid nonessential travel) for your Destination Country; or 2) a government agency of your Home Country publishing or issuing a Travel Warning or Emergency Travel Advisory regarding your Destination Country. Eligible Medical Expenses that may be considered for coverage include, but are not limited to, charges for illness, injury or medical evacuation.

I have purchased a short-term IMG travel medical insurance plan and I have not departed my Home Country/Country of Residence – am I covered if I contract COVID-19?

There is no coverage* if you have not departed your Home Country/Country of Residence and not entered the destination country prior to either: 1) the CDC issuing a Warning Level 3 (avoid nonessential travel) for your Destination Country; or 2) a government agency of your Home Country publishing or issuing a Travel Warning or Emergency Travel Advisory regarding your Destination Country.

I have not purchased a short-term IMG travel medical insurance plan, but I am thinking about purchasing – will I be covered for COVID-19?

On August 6, 2020, the U.S. Department of State (DOS) and the Center for Disease Control and Prevention (CDC) removed the “Global Level 4” Travel Warning and published country specific assessments and advisories. Depending on the country where you reside you may have coverage for COVID-19. Traveling to countries with a Level 3 Travel Warning and higher, may still restrict coverage so please refer to the following website published by the CDC https://wwwnc.cdc.gov/travel/notices/warning/coronavirus-global to determine your destinations status. Additional information may also be found by contacting your destination countries Office of Foreign Affairs or Ministry of Health.

I have purchased a long-term IMG global medical insurance plan – am I covered if I contract COVID-19?

Your global plan may provide coverage* for COVID-19 related care if you have purchased and entered the destination country prior to either: 1) the CDC issuing a Warning Level 3 (avoid nonessential travel) for your Destination Country; or 2) a government agency of your Home Country publishing or issuing a Travel Warning or Emergency Travel Advisory regarding your Destination Country. Eligible Medical Expenses that may be considered for coverage include, but are not limited to, charges for illness, injury or medical evacuation.

If I contract COVID-19, how does IMG determine if it is a “new” medical condition?

Only a medical professional can diagnose when a person acquired COVID-19. IMG would rely upon the professional opinion of the treating physician.

Is testing for the COVID-19 testing covered under IMG plans?

Testing will be covered as a medical expense if the insured meets all terms and conditions of the insurance plan or policy.

In the event of COVID-19 testing and further treatment is needed, how does IMG insurance work?

COVID-19 is a medical condition and will be treated as any other illness subject to all the terms and conditions of the insurance plan or policy. Any charges incurred and associated proof of claim should be sent to IMG for benefit consideration.

If the CDC warning level 3 is lifted and I purchase an IMG plan after the warning is lifted, will the pandemic exclusion be lifted also?

The pandemic exclusion would not be applicable if a travel advisory warning 3 is not in effect at the time the IMG plan is purchased. All exclusions, terms and conditions of the Certificate of Insurance are applicable*.

If I purchased an IMG plan during the period when the CDC warning level 3 is in effect and the warning is lifted later, will the pandemic exclusion still apply if I contract COVID-19 in the future?

The pandemic exclusion applies based on the travel advisory dates and the date the insured purchased the IMG coverage or when he/she traveled. If the insured person has coverage* after the travel advisory and contracts the COVID-19 when the travel advisory is in place, he/she does not have coverage for this illness.

If the travel advisory changes and the pandemic exclusion no longer applies, coverage for the COVID-19 is available provided that the condition did not manifest during the time the travel advisory was in effect.

Disclaimer

If you have purchased an individual student product or are a part of a student group, the terms and conditions of your coverage may be different. Please refer to your Certificate of Insurance and Endorsement(s) for further details. These documents can be found on the MyIMG portal.

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