What the Top Travel Insurance Providers Are Saying About the Coronavirus

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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.

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 trip cancellation.

Cancel for Any Reason 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.

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].


AIG Travel Guard Logo

AIG Travel Guard

Date issued: 11 February 2020, Travel Health Advisory #4

News has spread about the Novel Coronavirus, also known as the 2019-nCoV or the Wuhan Coronavirus. Originating in China, the CDC has recently announced a confirmed case in the United States. Below are some potential questions and answers intended to provide guidance on how an AIG Travel Insurance product may respond to this situation.


Q: I have travel booked to Wuhan, China, or to another location with confirmed cases of novel Coronavirus. I am afraid to travel due to the risk of contracting the illness. Does the Trip Cancellation benefit apply?

A: No. The Trip Cancellation benefit provides coverage for specific listed reasons, such as illness or injury, weather conditions, traffic accidents and others. There is no coverage for fear of traveling to a specific destination, even for fear of illness. Please review your policy for more detailed information. The optional upgrade to Cancel for Any Reason coverage would however provide coverage because, as the name states, this coverage allows you to cancel for any reason.

Q: If I am quarantined because of Coronavirus symptoms, would the Trip Interruption benefit apply?

A: Most of our travel insurance plans do provide coverage if you are quarantined to an area, which prevents you from traveling or continuing on your trip. Please review your policy for more detailed information.

Q: If I were to contract the Coronavirus prior to departure, would the Trip Cancellation benefit apply?

A: Most of our travel insurance plans do provide coverage for an illness, which causes cancellation of travel, provided that the insurance policy was purchased prior to contracting the illness. Verification from your physician will be required in the event of a claim. Please review your policy for more detailed information.

Q: If I were to contract the Coronavirus while on my trip, does my policy provide for medical expense benefits?

A: If the disease was contracted during the trip, most plans, which include a Medical Expense benefit, will provide coverage for certain medical expenses such as hospital costs, doctor visits and prescription medication. A doctor must be seen while traveling in order to verify the claim and medical expense benefits. Please consult your policy for more detailed information.

You should always review your Policy of Insurance for additional information about benefits, limitations and exclusions. Nothing in these FAQ’s prevents you from filing a claim related to Coronavirus. All information submitted will be reviewed, and your claim will be handled in accordance with the terms and conditions of your policy.


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Allianz Global Assistance

2019 Novel Coronavirus (2019-nCoV): January, 2020

Please note: The situation with the 2019 Novel Coronavirus (2019-nCoV) continues to evolve.  The information in this Coverage Alert is current as of the time of publication on January 28, 2020 but is subject to change as more information becomes known. For more information on 2019-nCoV, 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.

The 2019 Novel Coronavirus (2019-nCoV) is causing an outbreak of a respiratory illness that began in the city of Wuhan, Hubei Province, China. It is believed that this outbreak began in early December 2019 and the virus has since been detected in other locations, including the United States.

Allianz Global Assistance is currently assisting customers who wish to change their travel plans, need travel assistance or would like to file a claim. As always, our primary concern is for the safety and well-being of our customers, and we urge any customer who may need help to call us. We are here 24/7/365 to answer questions and provide travel assistance.

Allianz Global Assistance customers should remember these 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 2019-nCoV. 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 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. Important information includes policy details and policy/certificate number 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 Letter of Confirmation and Certificate of Insurance/Policy to learn details about their coverage.

Coverage Information:

2019-nCoV became a known event on January 22, 2020.  Customers who purchased travel insurance may be eligible for one or more of the following coverages and benefits depending on the date they purchased their product and the specific product they purchased.  Eligibility for coverage depends on the customer’s travel protection plan and specific circumstances. Please review your plan or contact us for more information.

Should a customer become ill while traveling, coverage for Emergency Medical/Dental expenses and Emergency Medical Transportation may be available.

Customers who are seriously ill or who are denied boarding by their travel supplier due to their serious illness, or have family members, traveling companions or hosts outside the United States who are seriously ill, may be covered if they need to cancel or interrupt their trip.  Further, customers who are quarantined or subject to mandatory government-ordered evacuations at their destination may also be covered if they have to cancel or interrupt their trip.  Customers cancelling or interrupting their trip for these reasons may be eligible to receive a refund of their lost prepaid, non-refundable travel deposits and other covered expenses, as specified in their plan.

If a customer’s travel is delayed due to quarantine or a travel carrier delay, they may be eligible to be reimbursed for covered expenses incurred as a result of that delay, depending on and as specified in their plan.

Cruise customers who have Missed Port of Call Coverage may be covered if their cruise misses a scheduled port of call indicated on the original itinerary or replaces it with another port of call and may receive a payment to compensate them for a missed port of call, up to the maximum benefit listed for Missed Port of Call Coverage on the customer’s Declaration of Coverage.

Please note, most plans contain general exclusions from coverage for any loss directly or indirectly due to any loss, condition, or event that was known or foreseeable when the plan was purchased, or due to an epidemic.  Further, most plans contain a general exclusion from coverage for losses directly or indirectly due to acts, travel alerts/bulletins, or prohibitions of any government or public authority except as expressly covered. As such, travelers may wish to review their plan or contact us with any questions about whether these exclusions may apply.


AXA Assistance USA logo

AXA Assistance USA

AXA Position Statement: January 28, 2020

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

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 since expanded the quarantine to other cities.   Please note that this event qualifies as an Unforeseen event under the terms and conditions of the AXA Travel Insurance Plan and policies for travel to the affected areas purchased prior to January 24, 2020, may cover the event.  Please refer to your policy for available benefits, terms, conditions, limits and exclusions.

Policies purchased after January 24, 2020 do not cover this event as it is no longer considered unforeseen.

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


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

January 29 Position Statement – Coronavirus Outbreak

The CDC is closely monitoring an outbreak of respiratory illness caused by a new coronavirus named 2019-nCoV, that was first detected in Wuhan, China. News about the Coronavirus is changing rapidly. The respiratory infection, which is closely related to SARS and MERS, has been spreading across China, and cases have been diagnosed in several other countries, including the United States. In the U.S., the CDC is reporting five confirmed cases from these states: Washington, Illinois, California and Arizona. In all cases so far, those patients had recently traveled to Wuhan, China. On January 27, 2020, the CDC issued a level three travel health notice, urging travelers to avoid non-essential travel to China. 

Customers are strongly encouraged to read their Description of Coverage or Insurance Policy for details regarding their available coverage.  For plans that do offer coverage for illness, please note that the Coronavirus outbreak event could be considered foreseeable under any plans purchased on or after January 22, 2020.  Please contact CSA Travel Protection-Generali Global Assistance with questions.


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Arch RoamRight

Coronavirus and Travel Insurance Published on Tuesday, January 28, 2020

The Centers for Disease Control and Prevention (CDC) is closely monitoring developments around an outbreak caused by a coronavirus first identified in Wuhan, Hubei Province, China. Chinese authorities identified the new coronavirus, which has resulted in hundreds of confirmed cases in China, including cases outside Wuhan City, with additional cases being identified in a growing number of countries internationally.

This outbreak has affected travel, forcing many travelers going through China to undergo mandatory screening when entering other countries, and has left travelers with planned trips to China concerned about their visit. It is important for all travelers to understand their travel insurance coverage. This includes travelers with planned trips to China as well as travelers who may be susceptible to contracting the virus.

Below are a few examples of how Arch RoamRight’s plans may work during the Coronavirus outbreak. For full details, please call our customer service team at 1-800-699-3845.

Coverage Options for Trips to China

If you have a planned trip to China and want to cancel because of the coronavirus, you likely will not have coverage through most travel insurance policies. Cancellation due to the fear of contracting a virus is not covered under most Arch RoamRight plans. We encourage you to first contact your travel supplier directly to determine alternate options and arrangements.

Federal health officials have confirmed several cases in the United States. It is therefore useful to understand that, if you already have a trip insured and contract this virus (or any other unexpected illness) before you leave, you likely have coverage to cancel your trip.

Quarantine Coverage

If you or your traveling companion is quarantined, including if you have been detained during your trip due to suspected illness, such as a wellness check at an airport, you may have trip cancellation coverage.

If your destination is placed under quarantine after your departure date, you may have trip delay or missed connection benefits.

Cancelled Flights

For cancelled flights, you may have coverage under most Arch RoamRight travel insurance plans, if the cancellation occurs on or after the scheduled departure date and you won’t be able to reach your destination before 50% of your trip has passed. If the flight cancellation occurs prior to the scheduled departure date, coverage is not available.

Itinerary Changes

If a travel supplier changes a trip itinerary after the scheduled departure date, and that change results in you not being able to participate in a non-refundable, prepaid event or activity, there would be coverage for those expenses, provided that:

  • The event was prepaid prior to departure;
  • The event was scheduled on the trip itinerary; and
  • No comparable event or activity of equivalent cost was rescheduled during the trip.

Emergency Medical Coverage for Insured Travelers in China

If you travel to China and have an Arch RoamRight travel insurance plan in place, you may be eligible for emergency medical coverage if you contract the coronavirus while in China. This includes help finding a physician, emergency medical care, and – if necessary – an evacuation back home for care and treatment.

Travelers, such as those covered by Arch RoamRight, who are abroad and are feeling ill can contact their insurance company’s emergency assistance provider. Arch RoamRight’s emergency assistance provider can by collect call at +1-443-279-7335.

Trip Interruption Coverage for Sick Travelers

Sick travelers may also be eligible for trip interruption coverage, which can reimburse for additional transportation expenses to take you home, as well as any unused, pre-paid, non-refundable travel expenses.

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

Statement received January 31, 2020

Liaison Travel Medical plans

If you have purchased a plan and you are allowed to go to China at time of departure we will cover you if you get the virus. If your home country declares you should not travel to China while on the trip you need to get out of the country as soon as possible.

Prior to purchase if your home country declares you cannot travel to China you can cancel the plan for a full refund since you are not traveling.

Round Trip Trip Protection Plans

If you purchase the plan for future travel to China you must have CFAR (Cancel for Any Reason) to cancel your trip if you decide not to go because of the virus.

If the plan has already been purchased and you do not have CFAR then you cannot cancel your plan for the reason of the virus.


travel insured international insurance logo

Travel Insured International

Coronavirus 2020 by Travel Insured | Jan 23, 2020

The Centers for Disease Control and Prevention (CDC) is closely monitoring developments with the Coronavirus. The outbreak of the Coronavirus in China and other Asian countries was first reported on December 31, 2019 in Wuhan. The first case in the United States was announced on January 21, 2020.

Countries in the affected regions, and areas with reported incidents, continue to be eligible destinations. Should travelers become ill with the Coronavirus while traveling, coverage may be available for Emergency Medical, Medical Evacuation, or Trip Interruption.

Travel Insured previously advised that there would be no coverage under our plans due to the coronavirus, except for CFAR and IFAR.  It remains true that the State Department’s decision to issue a travel advisory of level 3 for China alone does not trigger coverage, nor does a fear to travel due to the virus.  However, it has come to our attention that the coronavirus may be causing individuals to be quarantined and flights to be delayed. With this in mind there may be coverage including Trip Cancellation if a common carrier delay causes an insured to miss more than 50% of his or her trip.  The coverages that could be implicated beyond CFAR and IFAR include the following:

Travel Delay – An insured traveler must be delayed for the time sensitive period while en route to, from, or during a trip due to a covered reason. 

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.  The delay must meet the time sensitive criteria listed in your plan.

The delay of a common carrier can be included as one of the covered reasons for Missed Connection. Thus, if a common carrier delay causes an insured to miss more than 50% of his or her trip, Trip Cancellation or Interruption coverage could apply.

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.

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.

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 scheduled departure and payment is limited to 75% of the non-refundable trip cost up to the stated plan maximum limit. 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.

This statement only provides a general summary. Please refer to your actual plan document for the specific terms and conditions of the specific plan purchased as eligibility for coverage varies based upon the specific plan terms, conditions and limitations, and may vary by state or may not be available in all states. Travel Insured recommends travelers purchase proper travel protection plans in case of unforeseen circumstances and to know where to go and where not to go during their travels.

Please contact us at 1-855-752-8303 with any questions you may have.


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