Is coronavirus covered by travel insurance?

Contents
  1. Does Travel Insurance Cover Coronavirus?
  2. What is travel insurance?
  3. When travel insurance can cover coronavirus
  4. Cancel for Any Reason (CFAR) travel insurance
  5. Some travel insurers covering claims due to coronavirus
  6. Sign up for Mint today
  7. Related
  8. Coverage Alert: 2019 Novel Coronavirus/COVID-19
  9. Terms, conditions, and exclusions apply to all plans. Benefits and limits vary by plan. For a complete description of the coverage and benefit limits offered under your specific plan, carefully review your plan’s Letter of Confirmation/Declaration of Coverage and Certificate of Insurance/Policy. Insurance benefits underwritten by BCS Insurance Company, or Jefferson Insurance Company, depending on your state of residence and plan chosen. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel, Event Ticket, and Registration insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between Allianz Global Assistance and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through Allianz Global Assistance. Any non-insurance travel cancellation fee waiver purchased is provided by the travel supplier from whom you purchased that travel cancellation fee waiver. Except as expressly provided under your plan, you are responsible for charges you incur from third parties
  10. Coronavirus (COVID-19) FAQ
  11. I want to cancel my travel plans because I'm afraid to travel due to the COVID-19. Am I covered?
  12. The U.S. State Department has advised against non-essential travel.  Am I covered due to the U.S. State Department warning?
  13. Can I cancel my insurance and get my premium refunded?
  14. 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?
  15. I have upcoming travel. Will I be able to cancel my trip and be reimbursed?
  16. What if the airline, cruise line or travel supplier cancels my flight, cruise, tour, etc. due to COVID-19?
  17. Am I covered if I have Cancel for Any Reason coverage?
  18. Can I purchase a policy with CFAR coverage?  
  19. Am I covered if I contract COVID-19?
  20. What happens if I am quarantined due to contracting COVID-19 while on a trip?
  21. What happens if I am traveling to a country that requires a COVID-19 test when I arrive, and I test positive?
  22. Does travel insurance cover the cost of any COVID testing as a requirement to enter or exit a country, such as the CDC’s testing requirements for air passengers entering the United States that are effective January 26, 2021?
  23. How do I get a letter verifying Medical Expense coverage, which certain countries are requiring for entry?
  24. My destination requires a negative COVID test (or other documentation, such as proof of immunization/vaccination) within 72 hours of arrival. If I cannot obtain this documentation (e.g. due to lack of availability) am I covered if I must cancel or interrupt my trip?

Does Travel Insurance Cover Coronavirus?

Is coronavirus covered by travel insurance?

The current COVID-19 pandemic has truly affected just about all facets of life. Starting in the middle of March, demand for travel has cratered as most countries have enacted legislation encouraging citizens to stay at home and/or quarantine. Even in areas where it is still approved to travel, many people are choosing to stay home.

In response, airlines have canceled many flights and hotels are closing their doors. Many whose flights and trips have NOT yet been canceled are still nervous about traveling. So for those who are wondering if the travel insurance that they bought covers coronavirus, let’s dive into the details.

What is travel insurance?

Generally speaking, travel insurance is insurance that you can purchase before your trip that can pay a benefit if certain things happen during your trip. There are many varieties of travel insurance but it generally can cover things medical treatment, lost luggage, a missed connection or trip cancellation. There are 3 main areas where travel insurance can help you on your trip:

  • Medical coverage – Medical coverage can provide medical expenses if you are injured while traveling
  • Trip interruption – Trip interruption coverage covers expenses where you have incurred expenses due to things lost luggage or flight delays
  • Trip cancellation – Trip cancellation coverage can refund the cost of your hotels, plane tickets or other trip coverage if your trip is canceled for a covered reason

Travel insurance can be purchased on a per-trip basis or as an annual plan.

As with most agreements, whether or not your travel insurance covers any costs depends on the fine print of your contract. And of course, that can be hard to read and understand.

The World Health Organization (WHO) declared the COVID-19 situation a pandemic on March 11, 2020, so most insurance companies consider it a known and foreseen event. So most travel insurance companies will not cover most claims due to the coronavirus.

This holds true regardless of whether you are planning on using the travel insurance that comes with some credit cards or you purchased additional travel insurance on your own.

Most people are not traveling right now, but if you do book a trip, don’t buy travel insurance expecting that it will cover you if you end up deciding not to go.

Similarly, if an airline or other travel provider cancels your flights, your travel insurance will not typically reimburse you for any related expenses.

However, it is true that most airlines are fully reimbursing customers for canceled flights at this time.

When travel insurance can cover coronavirus

There are a few reasons that your travel insurance WILL cover items related to the current coronavirus pandemic.

Most travel insurances will cover cancellation or interruption if you or a travel partner actually CONTRACT COVID-19 prior to your trip. You’ll usually have to provide proof of a medical diagnosis.

Additionally, if you have purchased travel insurance with medical coverage, you will ly be covered if you contract COVID-19 while traveling.

Another case where your travel insurance may cover coronavirus-related interruptions is if you were already on a trip prior to March (when the WHO labeled COVID-19 as a global pandemic). In that case, you may be eligible to make a travel insurance claim if your trip has been impacted. As always, check the fine print of your insurance contract and contact your travel insurance provider.

Cancel for Any Reason (CFAR) travel insurance

So far in this article, we have been talking about standard travel insurance, which is the type of travel insurance that most people purchase. There is another kind of travel insurance which is called Cancel for Any Reason, or CFAR insurance.

As the name implies, CFAR travel insurance allows you to cancel your trip for any reason and receive a percentage of your out-of-pocket trip expenses.

Usually, that will be 50% or 75% of your expenses, depending on the type of CFAR coverage that you purchased.

CFAR insurance typically has to be purchased at or near the time you first purchase your trip and costs about 25-50% more than traditional travel insurance. So if you have a previously booked trip, you will not be able to purchase CFAR insurance now. If you did purchase CFAR insurance, you will need to cancel your trip within 48 hours of the trip in order to have a successful claim.

Some travel insurers covering claims due to coronavirus

So, while most travel insurance does not cover claims due to coronavirus, some insurers are making special exceptions.

most companies (airlines, hotels, Airbnb and other travel providers), insurance companies are recognizing that this is truly a unique situation and as such are making exceptions.

Check with your insurer to see if they are making any adjustments due to the current COVID-19 pandemic. Most insurers have a page specifically dedicated to what they are doing due to coronavirus. Here are the pages for some of the major insurers:

Good luck out there and stay safe!

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Источник: https://mint.intuit.com/blog/coronavirus-covid-19/does-travel-insurance-cover-coronavirus/

Coverage Alert: 2019 Novel Coronavirus/COVID-19

Is coronavirus covered by travel insurance?

UPDATED MARCH 5, 2021

COVID-19 is a known and 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 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 or contact us online.  We review every claim its unique facts and circumstances and are happy to answer any questions you may have.

EPIDEMIC COVERAGE ENDORSEMENT AND SPECIAL PLAN ACCOMMODATIONS FOR COVID-19

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, we are pleased to announce the addition of epidemic-related covered reasons to some of our most popular insurance plans in response to COVID-19.

For plans that include the new Epidemic Coverage Endorsement:

New covered reasons have been added for certain specific epidemic-related situations. Please refer to plan details for more information.

The Epidemic Coverage Endorsement, and the covered reasons added by this endorsement, may not be available for all plans or in all jurisdictions.

 These new covered reasons are only available for customers whose plan includes the Epidemic Coverage Endorsement.

To see if your plan includes this endorsement, please look for “Epidemic Coverage Endorsement” on your Declarations of Coverage or Letter of Confirmation.

Accommodations for plans that do not include the Epidemic Coverage Endorsement:
For a temporary period in response to the ongoing public health and travel crisis, we are currently accommodating claims for:

  1. Emergency medical care for an insured who becomes ill with COVID-19 while on their trip (if your plan includes the Emergency Medical Care benefit)
  2. Trip cancellation and trip interruption if an insured, or that insured’s traveling companion or family member, becomes ill with COVID-19 either before or during the insured’s trip (if your plan includes Trip Cancellation or Trip Interruption benefits, as applicable)

Applicable to all plans:

If an insured or their traveling companion become ill with COVID-19 while on their trip, that insured will not be subject to the Trip Interruption benefit’s five-day maximum limit for additional accommodation and transportation expenses (however, the maximum daily limit for such expenses and the maximum Trip Interruption benefit limit still apply).

The accommodations described in this coverage alert 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.

All plans continue to generally exclude losses for epidemics, including COVID-19, except as expressly covered in that plan’s Epidemic Coverage Endorsement. All benefits are subject to maximum limits of liability, which may in some cases be subject to sublimits, day limits, and daily maximums.  Please read your plan for details.

These accommodations apply to plans currently in effect but may not apply to plans purchased in the future, so please refer to this coverage alert for the most up to date information before purchasing your plan.

Please note, we will accept proof of a positive COVID-19 test or a physician’s diagnosis as proof that you are ill with COVID-19.  If you need help understanding your plan coverage, please contact us.

PLAN DATE CHANGE / REFUND ACCOMMODATIONS

Customers may change their travel protection plan’s effective dates to cover a new or rescheduled trip, as long as that trip is scheduled to be completed within 770 days from the plan’s original purchase date.  Changes can be made at www.allianztravelinsurance.com or by calling the phone number on their plan. 

Please note, if you wish to move your plan’s covered trip dates to cover a new or rescheduled trip, you must update your trip dates prior to the departure date of that new or rescheduled trip and prior to any loss for which you seek coverage.

  Additionally, if your trip costs for your new or rescheduled trip are different than the cost of your original trip, you will need to update your plan’s coverage limits accordingly.  Any change in trip cost insured for the new or rescheduled trip may result in a change in premium.

  If you update your plan’s trip dates to cover a new or rescheduled trip but do not adjust your limits, the original plan limits will apply to the new or rescheduled trip.

Alternatively, for a temporary period, we are offering refunds for the cost of your single-trip 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.  (This is not available for annual travel insurance plans, which may be canceled any time for a refund of unearned premium.)  Please call us at the number listed on your plan and we will be happy to assist you. Refunds must be requested within 770 days of the original plan purchase date.

Unless earlier canceled or otherwise ended in accordance with its terms or the accommodations stated here, plans end 770 days after the original plan purchase date.  Plans do not provide any coverage or accommodation for any loss incurred after the plan ends.

PLANS PURCHASED WITH A SUPPLIER’S CANCELLATION FEE WAIVER

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 note, the above refunds, opportunities to change dates, and other accommodations may not be available for any third party travel cancellation fee waiver you purchased from your travel supplier.

MORE INFORMATION:

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. 

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 mobile app for customers who connect the app to their account. Customers should also review their plan to learn details about their coverage.

For additional questions related to our insurance plans and COVID-19, please visit our COVID-19 FAQ's.

For more information about COVID-19 specifically, please visit the World Health Organization’s website at https://www.who.int/emergencies/diseases/novel-coronavirus-2019, the CDC’s website at https://wwwnc.cdc.gov/travel/noticescovid19, or consult your medical professional.

The information in this Coverage Alert is current as of the time of publication but is subject to change as the situation develops.  Please visit AllianzTravelInsurance.com for the latest coverage information.

Terms, conditions, and exclusions apply to all plans. Benefits and limits vary by plan. For a complete description of the coverage and benefit limits offered under your specific plan, carefully review your plan’s Letter of Confirmation/Declaration of Coverage and Certificate of Insurance/Policy. Insurance benefits underwritten by BCS Insurance Company, or Jefferson Insurance Company, depending on your state of residence and plan chosen. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel, Event Ticket, and Registration insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between Allianz Global Assistance and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through Allianz Global Assistance. Any non-insurance travel cancellation fee waiver purchased is provided by the travel supplier from whom you purchased that travel cancellation fee waiver. Except as expressly provided under your plan, you are responsible for charges you incur from third parties

Источник: https://www.allianztravelinsurance.com/coverage-alerts/2019-novel-coronavirus.htm

Coronavirus (COVID-19) FAQ

Is coronavirus covered by travel insurance?

3/2/2021

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:

I want to cancel my travel plans because I'm afraid to travel due to the COVID-19. Am I covered?

Trip cancellation that is due solely to concern or fear of travel related to an epidemic or pandemic, including COVID-19, is not covered. 

If the cancellation of your trip is not covered, you may be eligible for an insurance premium refund or a travel insurance voucher. For more information on refunds and vouchers, see the question below regarding “Can I cancel my insurance and get my premium refunded?”

The U.S. State Department has advised against non-essential travel.  Am I covered due to the U.S. State Department warning?

There is no coverage for travel restrictions or travel warnings issued by any governmental body or health authority. However, we suggest you contact your travel providers to seek a refund.

Should you have other unused, non-refundable, pre-paid trip costs, consult the Unforeseen events portion of your insurance policy. You are encouraged to file a claim if one of the covered reasons could possibly apply to your situation.

Please click here to access a copy of your policy.   

You may also be eligible for an insurance premium refund or a travel insurance voucher. For more information on refunds and vouchers, see the question below regarding “Can I cancel my insurance and get my premium refunded?”

Can I cancel my insurance and get my premium refunded?

You may be eligible for a refund of your premium under the following conditions:

  • You are requesting a refund from Travel Guard within 15 days of purchasing your policy,
  • Your request for a premium refund is made prior to the departure date listed on your policy, and
  • You have not filed a claim.

For residents of the State of New York or Kansas, please follow this link. Click here to apply for your refund.

If you cancelled your insurance policy due to COVID-19 concerns but are not eligible for a refund given the criteria listed above, you may be eligible instead for a travel insurance premium voucher for the full value of the policy purchased under the following conditions:

  • You request a voucher prior to your trip departure date,
  • You confirm that you have not incurred any travel supplier fees, penalties, or unused, non-refundable, pre-paid trip costs, and
  • You have not filed a claim.

The voucher can then be used as form of payment toward the purchase of a future policy. The premium for your new policy will be calculated the details of your new trip. If the new premium is greater than your original premium, there will be additional premium charged.

If the new premium is less than your original premium, no amount of the original premium will be refunded. The voucher is a courtesy accommodation and has no cash value.

Please note that once you cancel your policy and receive a voucher, you will not be able to file a claim against the original policy or trip.

All premium vouchers are valid for two years from issuance date. Click here to apply for your voucher.

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?

If the request is made prior to your travel dates, you may modify your insurance policy and apply the entire premium paid to a new booked trip. In order to make a change to the travel dates listed on your policy, the new travel dates cannot be more than one year beyond the original travel dates. Your new premium will be calculated the details of your rebooked trip.

If the new premium is greater than your original premium, there will be additional premium charged. If the new premium is less than your original premium, no amount of the original premium will be refunded. Please note that once you modify your policy, you will not be able to file a claim against the original policy or trip. To modify your insurance policy, please click here.

 

I have upcoming travel. Will I be able to cancel my trip and be reimbursed?

It depends on the reason for cancellation. If you need to cancel your travel plans, please consult the “Unforeseen” events portion of your insurance policy to see a list of reasons for Trip Cancellation that may be covered, along with General Exclusions from coverage.

If one of the covered reasons could apply to your situation, you may be eligible to be reimbursed for your unused, non-refundable, pre-paid trip costs if you need to cancel your trip. Please be specific about why you cancelled, as coverage depends on the exact reason for cancellation.

Please click here to access a copy of your insurance policy. 

If the cancellation of your trip is not covered, you may be eligible for an insurance premium refund or a travel insurance voucher. For more information on refunds and vouchers, see the question above regarding “Can I cancel my insurance and get my premium refunded?”

What if the airline, cruise line or travel supplier cancels my flight, cruise, tour, etc. due to COVID-19?

If the airline, cruise line or travel supplier cancels your travel arrangements due to COVID-19, there would be no coverage under the insurance policy. However, we suggest you contact the airline, cruise line or travel supplier to seek a refund.

Should you have other unused, non-refundable, pre-paid trip costs, please consult the “Unforeseen” events portion of your insurance policy to see details of the events covered under your policy. Please click here to access a copy of your policy.

   

Even though the cancellation of your travel arrangements is ly not covered, you may be eligible for an insurance premium refund or a travel insurance voucher. For more information on refunds and vouchers, see the question above regarding “Can I cancel my insurance and get my premium refunded?”

Am I covered if I have Cancel for Any Reason coverage?

If you purchased Cancel for Any Reason (CFAR) coverage, regardless of the reason for cancellation, you may be covered for a percentage of the loss provided the trip is cancelled more than 48 hours prior to the scheduled departure date. The amount of coverage will be the level of CFAR coverage purchased. Please click here to access a copy of your policy.

Can I purchase a policy with CFAR coverage?  

CFAR coverage is only available at the time a plan is purchased and, unless otherwise noted on your policy, must be within 15 days of your initial trip deposit. As a result, if you have an existing insurance policy, you are not eligible to add CFAR coverage.

Am I covered if I contract COVID-19?

If you contract COVID-19 prior to your departure, you may be covered for Trip Cancellation if there is a confirmed diagnosis, including proof of illness from your doctor that states you are medically unable to travel at the time of departure.

If you become ill with COVID-19 while on a covered trip, you could be covered for Medical Expense, Trip Interruption, Trip Delay, and Emergency Medical Evacuation benefits if there is a confirmed diagnosis, including proof of illness from a doctor.

  • Trip Interruption can provide coverage for the unused portion of your prepaid and non-refundable expenses, as well as additional transportation expenses incurred to return home or rejoin your trip.
  • Trip Delay can provide coverage for additional expenses you may incur for hotel, meals and certain transportation costs incurred if you are required by a physician to quarantine.
  • Medical Expense and Emergency Medical Evacuation can provide coverage for medical expenses incurred while being treated for COVID-19.

These coverages are subject to the terms and conditions of your insurance policy. Please click here to access a copy of your insurance policy.

What happens if I am quarantined due to contracting COVID-19 while on a trip?

If you are quarantined as a result of COVID-19, you could be covered under the Trip Interruption/Curtailment, Trip Delay, and/or Medical Expense benefits. A confirmed diagnosis and proof of illness from a physician is required. Coverage is subject to the terms and conditions of your insurance policy. Please click here to access a copy of your policy.

What happens if I am traveling to a country that requires a COVID-19 test when I arrive, and I test positive?

AIG Travel is treating COVID-19 any other unexpected illness. When you arrive, if you test positive for the virus, you could be eligible for coverage.

If a doctor requires you to be hospitalized or quarantined, you could be eligible for Trip Interruption, Trip Delay, Medical Expense and Emergency Medical Evacuation coverage. A confirmed diagnosis and proof of illness from a physician is required.

Coverage is subject to the terms and conditions of your insurance policy. Please click here to access a copy of your policy.

Does travel insurance cover the cost of any COVID testing as a requirement to enter or exit a country, such as the CDC’s testing requirements for air passengers entering the United States that are effective January 26, 2021?

No, travel insurance will not cover the cost of a general COVID-19 test that may be required for travel. However, Medical Expense may cover testing in the event a policyholder becomes ill during a trip and a test is ordered by a physician as part of a diagnosis. Coverage is subject to the terms and conditions of your insurance policy. Please click here to access a copy of your policy.

How do I get a letter verifying Medical Expense coverage, which certain countries are requiring for entry?

To request a letter verifying Medical Expense coverage, please contact the AIG Travel World Service Center 24/7 at 800.826.1300, or email us at travelguardupdates@aig.com. Please include the following information in the email:

  • Travel Guard policy number (if already booked)
  • Name(s) of the Policy Holder(s)
  • Email address you would the letter sent to
  • The destination(s) for your trip
  • The travel dates of your trip
  • Your phone number and mailing address

Please allow up to 5 business days from the date of your request to receive your letter. In some cases, additional time may be required for us to verify eligibility the country’s published requirements, which can vary by destination.

My destination requires a negative COVID test (or other documentation, such as proof of immunization/vaccination) within 72 hours of arrival. If I cannot obtain this documentation (e.g. due to lack of availability) am I covered if I must cancel or interrupt my trip?

No, travel insurance will not provide coverage for this reason. We urge customers to regularly review entry requirements to their destination to ensure compliance with the latest entry protocols.

Источник: https://www.travelguard.com/travel-news/coronavirus-advisory

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