What the Top Travel Insurance Providers Are Saying About the Coronavirus

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Last updated 03/20/2020

Cases of the Coronavirus started to come up in late 2019, but have reached unreasonable limits in the early months of 2020. Most cases are occurring in China itself, but the dangerous virus is quickly spreading to other regions of the world. Airlines are shutting down travel to China until as far out as the end of April 2020 and the U.S. State Department has declared a level 4 travel advisory on the country of China, strongly urging travelers to avoid visiting China. In addition, on March 19, 2020 the U.S. State Department declared a level 4 Health Advisory due to the impact of the COVID-19 outbreak advising citizens to restrict all international travel.

Travel insurance is always a good idea, even with the outbreak happening around the world. Here are some quick answers to the top travel insurance questions relating to coverage against the Coronavirus:

What travel insurance covers the Coronavirus?

If cancelling your trip due to the spread of the Coronavirus is your main concern, be sure to purchase a travel insurance policy with Cancel for Any Reason coverage.

Fear of travel or an outbreak of the virus at your destination are generally cases not covered by standard trip cancellation.

However, purchasing the Cancel for Any Reason upgrade will give you the flexibility to cancel due to fear of contracting the virus. You’ll want to buy this coverage as soon as you’ve made your first trip payment or deposit though, otherwise you could be ineligible to receive this benefit.

What do the top travel insurance providers say they’ll cover?

If you already have a travel insurance policy or are looking to purchase coverage, you’ll want to pay attention to what the insurance companies say they will cover in regards to the Coronavirus. Our team has received statements from the top travel insurance companies, which we have included below.

For questions about purchasing a policy or regarding an existing policy, you can always reach out to the friendly humans at Yonder at 855-358-6433 or [email protected].

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AIG Travel Guard

Coronavirus Advisory (03/10/2020)

AIG Travel is closely monitoring the Coronavirus, and its potential impact on travel.  While we continue to provide periodic updates regarding travel safety  and the security situation in China, travelers should consult the World Health Organization (WHO) and Centers for Disease Control and Prevention (CDC) websites for the most up-to-date information on the Coronavirus outbreak.

If you are considering canceling your trip due to the Coronavirus, please read your insurance policy thoroughly.  Generally, fear of travel is not a covered event under most of our policies.

Nonetheless, there may be additional options available to travelers whose plans have been impacted.   Travelers planning to re-book their travel for later in the year may be able to modify their current insurance policy to apply to future travel.   For more information on policy modifications, please see the question below “If I rebook my covered trip for later in the year, can I apply the travel insurance premium from my original trip to the rebooked trip?”

In addition, if your travel has been cancelled, you may be eligible for a premium voucher that you can use for future travel.  For more information on vouchers and how they may apply to your situation, as well as premium refunds generally, please see the question below “Can I cancel my insurance and get my premium refunded?”

Click through the following link to review questions we are receiving most frequently in our Service Center:

Frequently Asked Questions regarding Coronavirus and Travel Insurance

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Allianz Global Assistance

2019 Novel Coronavirus (2019-nCoV): UPDATED March 16, 2020

COVID-19, the disease caused by the 2019 Novel Coronavirus is a known and rapidly evolving epidemic that is affecting travel worldwide, with continued spread and impacts expected. COVID-19 became a known event on January 22, 2020 and was recognized as an epidemic as of February 3, 2020.

Allianz Global Assistance is currently assisting customers 24/7/365 who wish to change their travel plans, need travel assistance or would like to file a claim.  We are here to fully understand the nature of your situation and provide assistance and applicable coverage under your plan. Our assistance team is ready to help all of our customers who need help while traveling, such as locating medical facilities or rebooking transportation.

We urge any customer who has a medical issue while traveling or who has any other question regarding their plan to call us.  Our website is also available at AllianzTravelInsurance.com.  We review every claim based on its unique facts and circumstances and are happy to answer any questions you may have.

Claims due to known, foreseeable, or expected events, epidemics, government prohibitions, warnings, or travel advisories or fear of travel are generally not covered, and coverage can vary by state.  However, until further notice, although not covered under most plans, we are currently accommodating claims for:

  1. Under Emergency Medical Care Benefit: Emergency medical care for a customer who becomes ill with COVID-19 while on their trip.
  2. Under Trip Cancellation or Trip Interruption Benefits: Trip cancellation and trip interruption if a customer becomes ill with COVID-19 either before or during their trip.

These accommodations are strictly applicable to COVID-19 and are only available for customers whose plan includes the applicable benefit.  All other terms, conditions, and exclusions of the plan apply as normal.

Our travel protection plans include up to 28 covered reasons for trip cancellation, depending on the plan.  To learn more, go to www.allianztravelinsurance.com/travel/trip-cancellation/covered-reasons-explained.htm.

If you purchased an Allianz Global Assistance travel protection plan in conjunction with a travel cancellation fee waiver offered by a travel supplier, please contact your travel supplier for questions and coverage information related to trip cancellation under that waiver.

Please review your plan or call us for details.

PLAN REFUND INFORMATION

Customers may change their plan’s effective dates to cover a new or rescheduled trip.  Alternatively, for a temporary period, we are offering refunds for the cost of your travel protection plan to customers who wish to cancel their travel protection plan if the customer’s travel supplier canceled the customer’s trip due to COVID-19, so long as no payable claim has been filed under the plan.  Please call us at the number listed on your plan and we will be happy to assist you.

IMPORTANT TIPS

Customers should contact their travel provider prior to canceling their travel arrangements. Some airlines and other travel suppliers may allow customers to cancel their trip and receive a refund or change their dates of travel without change fees when traveling to a destination affected by COVID-19.  If the customer changes the dates of their trip, they may also change the dates of coverage on their travel protection plan for up to 770 days from the original date of purchase by visiting AllianzTravelInsurance.com or by calling the phone number on their plan.

While traveling, customers should take their travel insurance information with them, including plan number/details and our toll-free travel assistance phone number.  This information can also be accessed via our free TravelSmart mobile app for customers who connect the app to their account. Customers should also review their plan to learn details about their coverage.

For more information on COVID-19, please visit the World Health Organization’s website at https://www.who.int/emergencies/diseases/novel-coronavirus-2019, or the CDC’s website at https://wwwnc.cdc.gov/travel/notices/alert/novel-coronavirus-china, or consult your medical professional.

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 AXA Assistance USA

AXA Position Statement: Updated March 12, 2020

Outbreak of novel coronavirus (2019-nCoV) in Wuhan City, Hubei Province, China and other affected locations

China has been working to contain the outbreak of a newly identified virus, named 2019-nCoV and classified as a Coronavirus.  Due to the outbreak, Chinese authorities imposed a quarantine on the city of Wuhan on January 23, 2020 and have expanded the quarantine to other cities. Since the outbreak of the virus, Travel Health Notices have also been issued for Italy, Iran, Japan and South Korea. Please note that for trip cancellations and trip interruptions, this event does not qualify as an Unforeseen event under the terms and conditions of the AXA Travel Protection Plan. Policies for travel purchased prior to January 24, 2020, may only provide coverage in the event of a trip delay, trip cancellation or trip interruption if you are quarantined due to the coronavirus.  Coverage may be available for other benefits so please refer to your plan documents for applicable benefits, terms, conditions, limits and exclusions.

Policies purchased after January 24, 2020 do not cover this event for trip cancellations and trip interruptions. Coverage may be available for other benefits so please refer to your plan documents for applicable benefits, terms, conditions, limits and exclusions.

For updated information regarding travel advisories related to this event, please visit

https://travel.state.gov/content/travel/en/traveladvisories/traveladvisories.html/

We urge you to contact your travel supplier(s) prior to canceling your travel arrangements.  Airlines and other travel suppliers may allow you to change your dates of travel without fees and penalties.  If your travel supplier allows you to change the dates of your trip, you may also change the dates of your travel insurance plan by calling AXA at 1-855-327-1442

For information on how to file a travel insurance claim, please call 1-855-327-1442 or email [email protected]

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Generali Global Assistance

Coronavirus (COVID-19) Outbreak Travel Insurance Notice and FAQs – Last updated March 9th, 2020

Generali Global Assistance is closely monitoring the Novel Coronavirus (officially named COVID-19, occasionally referred to as “Wuhan Coronavirus” and 2019-nCov) and its impact on our travelers. This notice is intended to help you better understand your travel insurance plan coverages or potential purchases of our StandardPreferred and Premium plans. This page is being regularly updated to clarify coverage based on new information.

If you are thinking about canceling your trip because you are concerned to travel, please read your Description of Coverage/Policy confirmation documents. In order to provide coverage for Trip Cancellation, one of the 20 covered events must apply. Please note, most of our plans will not cover fear of travel.

The virus information is being updated frequently. For the latest information, visit the CDC or World Health Organization websites.

Position Statement – Coronavirus Outbreak

The Coronavirus outbreak is considered a foreseeable event under any plans purchased on or after January 29, 2020. That means you could be covered if you are diagnosed with Coronavirus, but foreseeable events such as becoming quarantined due to Coronavirus will not be covered. Please note, our plans will not cover fear of travel, unless you purchased Trip Cancellation for Any Reason coverage. Customers are strongly encouraged to read their Description of Coverage or Insurance Policy for details regarding their available coverage.

To review a complete list of Coronavirus Frequently Asked Questions from Generali, click here.

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iTravelInsured

Coronavirus FAQ – Last Updated 03/03/2020

Travel Protection Plans Current Members & Prospective Members

Can I cancel my trip due to fear of COVID-19, the most recently discovered coronavirus disease, outbreak?

No, this event does not qualify as a covered peril for the trip cancellation benefit. An iTravelInsured LX plan with Cancel for Any Reason and Interrupt for Any Reason benefits is the only plan eligible for cancellation due to fear. This benefit is available under the provisions listed in the plan wording.

Current Members Only – Can I upgrade my iTravelInsured Lite or SE plan to an LX?

No, iTravelInsured plans cannot be upgraded, you would need to cancel your plan within the provisional 10 days after purchase and then you may be able to purchase a new plan. If purchasing a new iTravelInsured LX plan, to receive benefits, you must meet the provisions listed in the plan wording.

Am I/Would I be covered if I contract COVID-19, the most recently discovered coronavirus?

Should you become ill while traveling, coverage may be available for emergency medical, medical evacuation or trip interruption. Please refer to your plan wording for the terms and conditions of these benefits.

Which travel benefits are eligible for coverage if my trip is affected by the COVID-19 outbreak?

Due to cancelled and delayed flights and more, some travel benefits are eligible if the outbreak has affected your travel plans. These benefits include travel delay and missed connection if due to covered reasons. Additionally, some plans may offer trip cancellation and trip interruption benefits if your arrival is delayed and causes you to lose 50% or more of your scheduled trip duration, due to the reasons covered under the missed connection Benefit.

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Arch RoamRight

March 12, 2020 – Coronavirus

Please be advised that the recently announced travel ban applies only to foreign nationals traveling FROM Europe. It does not apply to US citizens or permanent residents. Visit the U.S. Department of State’s website for the latest information.

February 28, 2020 – Coronavirus

As of January 21, 2020, the Coronavirus is a known event. Quarantine is no longer considered unforeseen for Trip Cancellation and Trip Interruption for policies purchased after 1/21/2020. However, coverage is still available for medical and emergency medical evacuation expenses in the event that a traveler contracts the disease while on their trip.

I want to cancel my trip because I am afraid to travel due to the Coronavirus. Am I covered?

Trip Cancellation or Trip Interruption due to fear of contracting an illness is not covered. 

If I am quarantined during my trip due to suspected illness, am I covered?

If you or your traveling companion are quarantined as a result of Coronavirus, you may be covered if you purchased your policy on or before January 21, 2020. If you purchased your insurance after that date, there is no coverage since Coronavirus was a known event. 

If I contract the Coronavirus during my trip, are my medical expenses covered?

If you contract the Coronavirus during your trip, you could be covered under your Emergency Accident & Sickness benefit for medical expenses incurred during your trip, under the Emergency Medical Evacuation if you need to be transported to a higher level of care as deemed by our emergency assistance provider, and under the Trip Interruption benefit for unused, pre-paid trip costs. 

If my flight is cancelled because the airline is not flying to areas where there are Coronavirus cases, am I covered?

You are not covered for Trip Cancellation if your airline cancels your flight due to Coronavirus. You may have coverage under the Trip Delay benefit for additional meals and hotel expenses incurred if your flight is cancelled on your scheduled departure date or during your trip. Always check with air carriers to understand cancellation and change policies.  

My tour operator cancelled my tour because of the Coronavirus outbreak. Is this covered?

No, you should seek a refund from your tour operator and other travel suppliers. If you would like to apply your policy to a new trip, we can adjust your travel dates, destination, and trip cost as necessary. 

Contact Arch RoamRight for Travel Insurance Questions

Arch RoamRight is a leading provider of travel insurance for Americans traveling domestically and abroad. If you are an Arch RoamRight traveler and have questions about your plan, or you are looking to purchase a travel insurance plan for an upcoming trip, contact our award-winning customer service team at 1-800-699-3845.

Seven Corners

Last updated 03/17/2020

As the situation with the Coronavirus (also known as COVID-19) outbreak evolves, we are working to provide information that will be helpful if you are considering purchasing travel insurance and if you already purchased a plan and have questions about coverage.

I need to purchase insurance:

Trip Cancellation Coverage

Airline Reissue Fee — Under Trip Cancellation, you may receive this benefit:
If Your Travel Supplier cancels your trip, a benefit will be paid up to a maximum of $75 for the reissue fee charged by the airline for the tickets. You must have covered the entire cost of Your Trip including the airfare cost.

Cancel for Any Reason (CFAR) — If travelers purchase CFAR within the required time frame, it could apply and allow the insured to cancel for fear of traveling, provided they meet the requirements for CFAR.

CFAR is an optional benefit you can add to RoundTrip Choice or RoundTrip Elite for an additional cost. This benefit is not available in all states. Our quick quote will offer the benefit to you it if is available in your state.

CFAR pays 75% of your nonrefundable trip cost if you cancel your trip for any reason you choose.

You must meet these requirements to make a CFAR claim with our RoundTrip plans:

  1. Cancel your trip 2 days or more before your scheduled departure date (your trip start date).
  1. Buy the insurance plan with CFAR coverage within 20 days of the date your initial trip deposit is received.
  1. Insure all nonrefundable prepaid trip costs (including the cost of subsequent travel arrangements added to your trip within 15 days of paying for them).

Trip Interruption Coverage

Benefits may include coverage for Trip Interruption if an insured interrupts their trip for an applicable covered reason. Possible covered reasons include:

  • Quarantine

Trip Delay Coverage

Benefits may include coverage for Travel Delay if an insured is delayed the required amount of time (stated in the plan document) for an applicable covered reason. Possible covered reasons include:

  • Any delay of a Common Carrier (the delay must be certified by the common carrier)
  • Quarantine

Missed Connection

Benefits may include coverage for Missed Connection. To trigger this coverage, an insured must miss a cruise or tour departure due to a delay for the required time length (stated in the plan document) if the delay is caused by a covered reason. Covered reasons that could apply include:

  • Any missed connection of a common carrier (the delay must be certified by the common carrier)
  • Quarantine

I have insurance:

Trip Protection: RoundTrip Economy, Choice, or Elite

Trip Cancellation Coverage

Airline Reissue Fee — Under Trip Cancellation, you may receive this benefit:
If Your Travel Supplier cancels your trip, a benefit will be paid up to a maximum of $75 for the reissue fee charged by the airline for the tickets. You must have covered the entire cost of Your Trip including the airfare cost.

Our trip protection plans do not include a specific covered reason that will allow you to cancel your trip for fear of travel due to COVID-19.

Can I buy Cancel for Any Reason (CFAR) now?

CFAR is an optional benefit you can add to RoundTrip Choice or RoundTrip Elite for an additional cost. CFAR pays 75% of your nonrefundable trip cost if you cancel your trip for any reason you choose.

You can buy CFAR if you add it to your RoundTrip Choice or RoundTrip Elite plan within 20 days of the date your initial trip deposit is received. CFAR is not available on RoundTrip Economy.

Additionally, you must meet these requirements to make a CFAR claim with our RoundTrip plans:

  1. Cancel your trip 2 days or more before your scheduled departure date (your trip start date).
  2. Insure all nonrefundable prepaid trip costs (including the cost of subsequent travel arrangements added to your trip within 15 days of paying for them).

Contact our sales team to find out if you can add CFAR to your existing plan.
Toll Free: 1-800-335-0611 or email [email protected]ncorners.com

Trip Interruption Coverage

Benefits may include coverage for Trip Interruption if an insured interrupts their trip for an applicable covered reason. Possible covered reasons include:

  • Quarantine

Trip Delay Coverage

Benefits may include coverage for Travel Delay if you are delayed the required amount of time (stated in the plan document) for an applicable covered reason.

Possible covered reasons that could apply for COVID-19 include:

  • Any delay of a Common Carrier (the delay must be certified by the common carrier)
  • Quarantine

Missed Connection

Benefits may include coverage for Missed Connection. To trigger this coverage, you must miss a cruise or tour departure due to a delay for the required time length (stated in the plan document) if the delay is caused by a covered reason.

Covered reasons that could apply for COVID-19 include:

  • Any missed connection of a common carrier (the delay must be certified by the common carrier)
  • Quarantine

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Travel Insured International

Coronavirus 2020 by Travel Insured | Last Updated March 20th, 2020

The Centers for Disease Control and Prevention (CDC) and World Health Organization (WHO) are closely monitoring developments with the COVID-19 (coronavirus). The outbreak of the Coronavirus was first reported on December 31, 2019 in Wuhan.

Should travelers become ill with the Coronavirus while traveling, coverage may be available for:

Emergency Medical and Medical Evacuation – If travelers become ill with COVID-19 while traveling, claims will be considered on the same basis as any other covered sickness.

Trip Interruption – If a traveler has to leave their trip early because they become ill with COVID-19, claims may be paid under this benefit.

There may be other eligible reasons to submit a claim if the coronavirus impacts your trip:

Cancel for Any Reason – Some travelers may prefer to cancel their trip out of concern for the Coronavirus. For insured travelers who purchased Cancel for Any Reason coverage, we remind you that cancellations must be made 48 or more hours prior to your scheduled departure date and payment is limited to 75% of the non-refundable trip cost up to the stated plan maximum limit.*

Trip Cancellation and Interruption – An insured traveler must cancel or interrupt their trip due to a covered reason. One covered reason for Trip Cancellation or Interruption that could apply is quarantine. Another covered reason is if your arrival on the trip is delayed and causes you to lose 50% or more of your scheduled Trip duration, due to the reasons covered under the Missed Connection Benefit. This means that if a common carrier delay or quarantine causes you to miss a cruise or tour departure and more than 50% of your trip, Trip Cancellation and Trip Interruption coverages could apply if this trigger is in your plan. However, this trigger will not apply if there is no cruise or tour to be missed.

There are additional triggers that could be implicated as well.

In addition, if your travel supplier cancels your trip, the Trip Cancellation benefit may pay for the reissue fee charged by the airline for the tickets. You must have insured the entire cost of your trip including the airfare cost.

Please note that not all plans will contain these coverages and the same covered reasons are not included in all plans.

Travel Delay – An insured traveler must be delayed for the time period specified in the plan document while en route to, from, or during a trip due to a covered reason – provided this coverage is included in your plan.

Missed Connection – If a delay causes you to miss a cruise or tour departure due to a covered reason, you may have coverage under Missed Connection – provided this coverage is included in your plan. The delay must meet the time period specified in your plan.

Every Travel Insured plan also includes Non-Insurance Emergency Travel Assistance Services available 24/7 to help travelers whenever they are in need of assistance during their trip.

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