Covid-19 Information

Can I still buy travel insurance with the Coronavirus in effect?

Yes, although the policy will not cover if you cancel the trip or interrupt the trip due to fear of Coronavirus. It will still cover for all other covered reasons you would cancel a trip, such as a death in the family, health or accident that does not allow you to travel.

Please note that this policy has a general exclusion for pandemic/epidemic. Once it is declared as such by WHO or CDC, the underwriter may invoke this general exclusion which applies to all coverages in the policy. 

If I am diagnosed with Coronavirus, how can travel insurance help?

If you are diagnosed with Coronavirus before or during your trip, and meet the requirements for coverage due to sickness, you can be covered for Trip Cancellation, Trip Interruption, Travel Delay, Medical and Dental, and Emergency Assistance and Transportation. Our travel insurance plans will stop providing this coverage if the outbreak is named a Pandemic or Epidemic by the CDC.

For any plans purchased AFTER October 15th, 2020 that include coverage for losses due to sickness, we are providing coverage if you, a traveling family member, or a traveling companion contract COVID-19 and plan requirements are met. Eligible coverages can include Trip Cancellation prior to your scheduled departure, Trip Interruption, Travel Delay, Medical and Dental, and Emergency Assistance and Transportation coverage during your trip.

For your safety and the safety of others, travelers who believe they may have contracted the virus should call our 24/7 Emergency Assistance team who will coordinate local treatment on your behalf. Please read your Description of Coverage and/or Policy confirmation documents for coverage details.

How can travel insurance help if I am quarantined due to the Coronavirus?

If you are diagnosed with Coronavirus or another sickness and are quarantined, you can be covered. If you are traveling and quarantined, but not sick, coverage depends on when you bought your plan. Plans purchased on or after January 29, 2020 will not provide coverage for quarantine due to the Coronavirus outbreak. Plans purchased before that date can cover you for Trip Cancellation, Trip Interruption and Travel Delay events if you are quarantined due to the Coronavirus.

I have a trip planned to an area affected by the Coronavirus. Will I be able to cancel my trip and be reimbursed?

You can be reimbursed for unused, non-refundable, pre-paid trip costs if you need to cancel your trip for one of 20 covered reasons. (See the Description of Coverage for your state of residence) Our plans do not offer coverage if you cancel your trip due to fear of traveling due to Coronavirus, unless you added Trip Cancellation for Any Reason coverage to your plan. In that case, you could be reimbursed up to 75% of your prepaid, forfeited, non-refundable trip cost, if you meet certain requirements.

Coronavirus is a public health emergency of international concern and many airlines and other travel suppliers are canceling service, refunding trips and waiving change fees for travel for the next few months. Seeing if your travel supplier can accommodate changes should be the first step.