With the spread of coronavirus worldwide, more governments and global organizations are suggesting and even enforcing, travel restrictions. Currently, the CDC advises avoiding nonessential travel outside of the United States. It is sensible for employers to limit business travel from areas where COVID-19 is most widespread.



Travel accident and medical policies are often purchased to enable the movement of and payment for an injured or sick employee traveling internationally. While there is no exclusion for medical evacuation if someone were to be diagnosed with coronavirus, the voluntary evacuation of employees is typically not covered.

Any covered evacuations are subject to the approval of health authorities in both the originating and receiving country. Also, flight availability and possible cancelations of evacuation flights due to safety concerns could lead to additional restrictions. 

Employers who haven’t purchased a business travel policy should consider obtaining one if employees need to leave the country for work. Follow the link below to obtain a quote for business travel insurance.


Most international companies have a risk and medical insurance plan in place to protect from events such as coronavirus. Term life insurance also covers death due to illness, such as infectious diseases.

Most insurers in China have announced that they have removed limitations on the types of drugs, levels of hospitals, and all deductibles and waiting periods to support their insured members who are infected (or who are suspected of being infected) and require extensive medical treatment.

Ensure employees who become sick while traveling or on temporary assignment understand that they should notify their supervisor and promptly call a healthcare provider for advice if needed.

Employees outside of the United States who have contracted coronavirus should follow standard company policies for obtaining medical care. Companies should ensure that international employees know where to get help, as not every medical facility can help patients with this virus.

A U.S. consular officer can help locate healthcare services. However, U.S. embassies, consulates and military facilities are unable to evacuate or give medicines, vaccines, or medical care to private U.S. citizens located overseas.

Download our Expat Considerations document to learn more.

Contact your Hylant Representative or Tanja Lumpp (, our Global Benefits Specialist to learn more.


As we continue to monitor the current spread of coronavirus (COVID-19) and its global impact, we are also diligently monitoring carrier and policy changes. The situation is evolving daily, and many of our international partners are helping us navigate this challenging new employee benefits environment.

Whether it is a corporate travel policy, an expatriate plan or a local international benefits plan, it is very important to understand the provisions and how they may change over the next several days, weeks and months. Your broker or adviser can support you in navigating the current landscape and keep you informed of any upcoming revisions to policy specifics.