February 5, 2020 - Meagan Palmer
Last updated 11/17/2020
Cases of the Coronavirus (or COVID-19) started to come up in late 2019, but reached unreasonable limits in the early months of 2020. The dangerous virus quickly spread to other regions of the world, including the United States. 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, which is still in place. Despite other countries beginning to reopen their borders and the number of cases falling in some areas, many travelers have had to cancel or postpone their trips for 2021.
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:
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. This type of coverage could also provide coverage if your travel suppliers cancel your flights, tours, or trip. 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.
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.
Coronavirus Advisory (Last Updated: 10/22/2020)
AIG Travel continues to closely monitor the Coronavirus (COVID-19) pandemic and its ongoing impact on travel. While we will endeavor to provide periodic updates regarding travel safety, 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 COVID-19 pandemic.
Please note that due to the WHO announcement on March 11, 2020, declaring COVID-19 a pandemic, COVID-19 is considered a foreseen event, and as a result, certain coverages will not apply. Please read the details here .
If you are considering canceling your trip due to the COVID-19 pandemic, please read your insurance policy thoroughly.
If your travel has been cancelled by your travel supplier (e.g. airline, cruise line, tour operator), 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?”
The following are the questions we are receiving most frequently in our Service Center:
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:
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.
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.
AXA Position Statement: Updated March 24, 2020
Outbreak of novel coronavirus (2019-nCoV) in Wuhan City, Hubei Province, China and other affected locations
AXA Assistance USA continues to monitor the evolving 2019-nCoV (COVID-19) developments and we continue to assist our customers 24/7, in cases of medical emergencies and providing help with locating local doctors and hospitals. We are also available Monday-Friday 8:00AM – 7:00PM CST to help our customers evaluate making changes to their travel protection plans. Due to an increase in call volumes, our wait times may be longer than normal however, you may email us with questions regarding your travel protection plan at [email protected]
China has been working to contain the outbreak of the 2019-nCoV (COVID-19) virus, 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 and the situation continues to evolve with several countries imposing travel bans.
The World Health Organization declared the Coronavirus a Global Health Warning on January 30, 2020. As a result, the Coronavirus is no longer an unforeseen event for travel to China starting on January 24th, 2020, and for travel worldwide starting on January 31st, 2020. 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:
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].
Coronavirus (COVID-19) Outbreak Travel Insurance Notice and FAQs – Last updated November 4th, 2020
Generali Global Assistance is closely monitoring the Novel Coronavirus (COVID-19) and its potential impact on our travelers. This notice is intended to help you better understand your travel insurance plan coverages or potential purchases of the Standard, Preferred and Premium plans available on this website. While we will be updating this page regularly, we also encourage you to consult the World Health Organization (WHO) and Centers for Disease Control and Prevention (CDC) websites for the most up-to-date information.
Our plans will not provide coverage if you cancel your trip due to fear of travel. We strongly encourage you to read the full Description of Coverage/Insurance Policy to familiarize yourself with coverages before purchase.
To review a complete list of Coronavirus Frequently Asked Questions from Generali, click here.
Coronavirus FAQ – Last Updated 10/30/2020
The virus responsible for COVID-19, was first reported from Wuhan, China in December 2019. On January 30, 2020, the World Health Organization (WHO) declared the outbreak of COVID-19, a “public health emergency of international concern” and, on March 11, 2020, the disease was characterized as a “pandemic.” On March 19, 2020, the U.S. Department of State issued a Global Level 4 Health Advisory. On March 27, 2020, the United States Centers for Disease Control and Prevention (CDC) issued a Global Warning Level 3, “avoid nonessential travel,” due to the widespread and ongoing transmission of the novel coronavirus (COVID-19).
As of August 6, 2020, the U.S. Department of State, in coordination with the United States Centers for Disease Control and Prevention (CDC), has removed the Global Level 4 Health Advisory and reverted to a prior protocol of reviewing Travel Warnings on a country specific basis. The removal of the Global level advisory may affect the benefits afforded under IMG’s international medical product offerings.
Under the terms and conditions of IMG’s international medical products (not including iTravelInsured travel protection plans), travelers who purchase coverage on or after August 6, 2020 may be eligible for benefits directly or indirectly related to COVID-19, as long as the DOS or CDC have not issued a Level 3 or higher Travel Warning for your destination country. In addition, if a government agency from your country of residence has not issued a similar travel warning, you may be eligible for coverage for COVID-19 coverage.
If you have additional questions or concerns, please use this page to learn about the outbreak, access great resources for the most current information, and understand how you or your IMG coverage may be impacted by COVID-19.
To review a complete list of Coronavirus Frequently Asked Questions from iTravelInsured, click here.
April 16, 2020 – Coronavirus
In addition to prior travel restrictions relating to the virus, President Trump on March 11 signed a proclamation that restricts travel to the United States from foreign nationals who have recently been in certain European countries. This does not apply to U.S. citizens or legal permanent residents.
As of January 21, 2020, the Coronavirus became a known event and was recognized as an epidemic as of February 3, 2020. As such, the Coronavirus outbreak is considered a foreseeable event under any plans purchased on or after January 21, 2020.
We are committed to assisting our policyholders who may need help navigating the impact of this epidemic on upcoming travel plans or while they are traveling.
To help you better understand your policy, below are some helpful Questions and Answers that may address your concerns prior to your trip. We are monitoring this situation and will provide applicable updates to our website at www.RoamRight.com. If you need any additional guidance please contact us at 1-800-699-3845.
Please note that these answers only apply to customers whose Policies include the applicable benefits. All other Policy terms, conditions and exclusions apply.
To review a complete list of Coronavirus Frequently Asked Questions from Arch RoamRight, click here.
Last updated 09/01/2020
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.
To review a complete list of Coronavirus Frequently Asked Questions from Seven Corners, click here.
Coronavirus 2020 by Travel Insured | Last Updated October 7th, 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.
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.
Protection Plan Vouchers – Due to unique circumstances surrounding COVID-19, Travel Insured is permitting all insured travelers whose trips have been affected by the virus to change the travel dates on their plan to cover a new or rescheduled trip (provided you are no longer taking the impacted trip due to COVID-19).
If you know your new dates of travel, we will update your protection plan to reflect the new dates. If you do not know your new travel dates yet, we will hold your plan voucher for future use. The future or rescheduled departure date must be within 3 years from the date of your original plan application date.
Please fill out this form if you are requesting a voucher from Travel Insured.
Current plan holders: Travelers who have a protection plan and receive a future travel credit from their travel supplier are able to use our voucher option and then include the value of their travel credit as part of their insured trip cost covered by the new plan.
If you are looking to purchase a plan: Travelers who have been issued a future travel credit due to cancellation for COVID-19, who did not previously have a plan with us, are able to purchase coverage and include the value of the future travel credit as part of their insured trip cost.
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.
To review a complete list of Coronavirus Frequently Asked Questions from Travel Insured, click here.