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Old 03.02.2021, 18:14
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Getting health insurance in US upon arrival

My son, a US citizen will start work in the US. He'll be residing in NY city. In the first month after arrival he will need his own health insurance, after that he will be covered through his employer. The best insurance we've found so far is simply to use travel health insurance, but this excludes covid related illness. Any better ideas?
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Old 03.02.2021, 18:17
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Re: Getting health insurance in US upon arrival

is he high risk? why isn't he looking for he own insurance?
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Old 03.02.2021, 18:23
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Re: Getting health insurance in US upon arrival

Risk level is irrelevant (no, he's not high risk). The idea is to have continuous coverage.
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Old 03.02.2021, 18:56
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Re: Getting health insurance in US upon arrival

Normal Swiss insurance will cover him for a while, even in the US.

Tom
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Old 03.02.2021, 19:19
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Re: Getting health insurance in US upon arrival

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My son, a US citizen will start work in the US. He'll be residing in NY city. In the first month after arrival he will need his own health insurance, after that he will be covered through his employer. The best insurance we've found so far is simply to use travel health insurance, but this excludes covid related illness. Any better ideas?

Sounds flippant but get one that does include covid? Also check the eligibility criteria relating to residence.
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Old 03.02.2021, 19:57
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Re: Getting health insurance in US upon arrival

He doesn't have Swiss insurance - he was residing in London. And we haven't been able to find an insurance that will cover covid when buying just one month of insurance. We are considering travel insurance from a company called True Traveler, which doesn't cover Covid. The other potential option is SevenCorners insurance, but it seems to only cover US citizens if they are resident in the US (i.e. not expats)
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Old 03.02.2021, 20:23
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Re: Getting health insurance in US upon arrival

I doubt any travel insurance company is going to offer to cover covid related illness. Just going to have to suck it up for a month and do without cover.
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Old 03.02.2021, 20:38
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Re: Getting health insurance in US upon arrival

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I doubt any travel insurance company is going to offer to cover covid related illness. Just going to have to suck it up for a month and do without cover.
You yourself might think it's odd but you can readily get travel insurance specifically including medical costs for covid, ** except it will exclude countries with a travel advisory which is just about everywhere at the moment **.

Last edited by Landers; 03.02.2021 at 23:24. Reason: I made an oversight
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Old 03.02.2021, 20:42
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Re: Getting health insurance in US upon arrival

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You yourself might think it's odd but you can readily get travel insurance specifically including medical costs for covid.
Then provide the OP with their names so their son can see if he can get insurance.
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Old 03.02.2021, 20:54
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Re: Getting health insurance in US upon arrival

Can he not find out the insurance company the employer in the US uses, and see if he can pay an advanced month out of his own pocket?
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Old 03.02.2021, 20:56
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Re: Getting health insurance in US upon arrival

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You yourself might think it's odd but you can readily get travel insurance specifically including medical costs for covid.
The main issue seems to be that most travel insurance companies do not cover US expats who want cover within the US (i.e. they only cover US citizens travelling abroad, or non-US citizens travelling in the US). The only one I found that covers any nationality travelling to the US is TrueTraveller, but they exlicitly exclude Covid.

Worst case we will go with that and fingers crossed he doesn't get covid. If you do know any specific companies that insure US citizens resident abroad while travelling in the US, then please share the names
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Old 03.02.2021, 21:00
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Re: Getting health insurance in US upon arrival

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Can he not find out the insurance company the employer in the US uses, and see if he can pay an advanced month out of his own pocket?
Thanks, that's a good idea! We'll contact the employer and ask about that
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Old 03.02.2021, 21:22
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Re: Getting health insurance in US upon arrival

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Then provide the OP with their names so their son can see if he can get insurance.

You just have to google it.



BUT, there may well be other factors such as any travel bans in place, waiting times etc and it's completely unclear where her son's residency will be, for repatriation purposes etc. Even if he/she gets insurance which includes covid, any travel advisories against travel may well invalidate it.


** I realise I may have not have properly understood. Many if not all UK insurers cover covid *provided* the country is on the "safe to fly to" list, which of course the US isn't at the moment. So covid cover is both included and not included :-)

Last edited by Landers; 03.02.2021 at 23:33. Reason: Back tracking
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Old 03.02.2021, 21:37
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Re: Getting health insurance in US upon arrival

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The main issue seems to be that most travel insurance companies do not cover US expats who want cover within the US (i.e. they only cover US citizens travelling abroad, or non-US citizens travelling in the US). The only one I found that covers any nationality travelling to the US is TrueTraveller, but they exlicitly exclude Covid.

Worst case we will go with that and fingers crossed he doesn't get covid. If you do know any specific companies that insure US citizens resident abroad while travelling in the US, then please share the names



For insurance, the relevant information is where you are resident, not your citizenship. You can go on any website and get insurance that does not ask for your nationality. Where is your son officially resident?

However, it could well be that the US is currently only letting US citizens (and/or residents) in. If he's UK resident then there's currently a travel ban so travel insurance might not be valid.

Last edited by Landers; 03.02.2021 at 22:41.
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Old 03.02.2021, 22:12
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Re: Getting health insurance in US upon arrival

It’s absolutely nothing to do with citizenship. If he’s resident in London now, buy any worldwide, single trip, travel insurance (insure and go?). Then get US insurance once he starts working.

What’s this got to do with Switzerland?

Be very surprised if anyone would insure him against covid. But what’s the big deal if he’s low risk?

And why are his parents doing this????
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Old 03.02.2021, 22:54
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Re: Getting health insurance in US upon arrival

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Itís absolutely nothing to do with citizenship. If heís resident in London now, buy any worldwide, single trip, travel insurance (insure and go?).
She wants him to have covid cover and some/many don't offer it as it seems the US is on the "don't go there" list. Many/most insurers will offer covid cover if the destination is not on this list. We had cover to travel to Egypt recently. There's also the problem that there's currently a travel ban in the UK. We have no idea when her son is moving to the US.



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Be very surprised if anyone would insure him against covid. But whatís the big deal if heís low risk?

The big deal would be if he needed medical treatment in the US and needed to be brought "home". As it seems he's moving there, one could argue about the validity of travel insurance in this case but I guess it's legitimate travelling if he's going to look for apartments etc.
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Old 03.02.2021, 23:11
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Re: Getting health insurance in US upon arrival

Sign up for Cigna and then cancel? If still the same, they do not have minimum contract length like all others, can cancel anytime with 1 month notice. Maybe keep it 2 months until full transition with employer one happened.
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Old 03.02.2021, 23:23
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Re: Getting health insurance in US upon arrival

Move to the first world problem thread perhaps?
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Old 04.02.2021, 01:00
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Re: Getting health insurance in US upon arrival

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Itís absolutely nothing to do with citizenship. If heís resident in London now, buy any worldwide, single trip, travel insurance (insure and go?). Then get US insurance once he starts working.

Whatís this got to do with Switzerland?

Be very surprised if anyone would insure him against covid. But whatís the big deal if heís low risk?

And why are his parents doing this????
This question has nothing to do with Switzerland except that the OP lives here and is trying to sort something out for their son, who is a US citizen.

I don't understand why the employer's coverage doesn't begin at the start of work. Why the one month wait for coverage?
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Old 04.02.2021, 12:01
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Re: Getting health insurance in US upon arrival

I am very grateful for all the fantastic responses. In my initial post I had hoped to keep it short and to the point, but perhaps I needed to add some details. My son has finished his studies in London (where he lived for 9 years) and has been staying with me in Switzerland for the last month until he departs for the US (New York) this Saturday Feb 6. His employment begins March 1, after his quarantine period in the US ends and he is able to complete paperwork and medical exams required by the employer.

The top options we are weighing up at the moment are:
1. True Traveller (catch: no covid cover)
2. Insubuy (includes covid cover, but requires "intention to return to the UK", which is a bit of a gray area)
3. Cigna (buy long-term insurance and then cancel after 1-2 months). Thanks to kri for the suggestion.
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