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Trip Insurance and Coronavirus

  • Angela Borden
| Sep 15, 2020
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Two of the most common questions we hear from our customers are:  “Does trip insurance* cover COVID-19?” and “How does trip insurance cover COVID-19?”

We understand your concerns and your questions, and you’ve come to the right place to learn how our RoundTrip plans can protect you for COVID-19. 


CANCELING YOUR TRIP 

The trip cancellation* benefit reimburses you for your prepaid and nonrefundable trip expenses if you cannot take your trip for a covered reason. 


Can I cancel my trip if I become ill with COVID-19 before my trip? 

Yes, you can cancel your trip if you become sick with COVID-19 before your trip if:

  • You are sick before you leave on your trip.
  • You require medical treatment that results in medically imposed restrictions certified by a physician, and 
  • COVID-19 prevents you from participating in your trip. 

Other covered reasons for trip cancellation related directly or indirectly to COVID-19 could apply, including quarantine, death, and called to military duty for a national disaster other than war

Please note the ordinary meaning of the term “quarantine” is a strict medical isolation imposed by a recognized government authority, their authorized deputies, or a physician to prevent the spread of a disease. An order is not considered to impose a strict medical isolation unless the order requires you to be confined 24 hours per day, seven days a week.  

In addition, if the government of a destination where you are scheduled to arrive is requiring all similarly situated travelers to the destination to be quarantined (as described above) for a period of time upon arrival, you may be eligible for Trip Cancellation coverage — provided the quarantine you would face is in effect within 14 days of your scheduled departure date. You must cancel your trip during this 14-day period prior to your scheduled departure date. If you cancel your trip more than 14 days prior to the trip, there is no Trip Cancellation coverage due to a quarantine at an intended destination.   

Can I cancel my trip if I am afraid to travel because of COVID-19? 

Fear of travel is not a covered reason, so you cannot cancel your trip in this case and receive payment for your trip expenses. 

You can, however, buy optional Cancel for any Reason (CFAR).** With it, you can cancel your trip for absolutely any reason you wish! 

How does CFAR work?

  • You will be reimbursed for 75% of your prepaid and nonrefundable trip expenses. 
  • You can add CFAR to a RoundTrip plan for an additional fee of about 40% of the price of your plan.
  • You can add CFAR to your plan within 20 days of the date your initial trip deposit is received.   
  • You must cancel your trip 2 days or more before your scheduled departure date. 

INTERRUPTING YOUR TRIP 

Trip interruption coverage reimburses you for prepaid payments for unused nonrefundable land or water travel arrangements and your additional transportation cost to: 

  • Join your trip if you must leave after your scheduled departure date or travel via alaternate travel arrangements; or 
  • Rejoin your trip or transport you to your originally scheduled return destination if you must interrupt your trip after departure. 

You can interrupt your trip if you become sick with COVID-19 on your trip if:       

  • You become sick while you are on your trip.
  • You require medical treatment that results in medically imposed restrictions certified by a physician, and 
  • COVID-19 prevents you from continuing to participate in your trip. 

Other covered reasons for trip interruption related directly or indirectly to COVID-19 could apply, including quarantine, death, and called to military duty for a national disaster other than war.

Please note the ordinary meaning of the term "quarantine" is a strict medical isolation imposed by a recognized government authority, their authorized deputies, or a physician to prevent the spread of a disease. An order is not considered to impose a strict medical isolation unless the order requires you to be confined 24 hours per day, seven days a week.

In addition, if you have already departed on your trip but have not yet entered a destination that requires all similarly situated travelers to be quarantined (as described above), there may be coverage for Trip Interruption — provided the quarantine you would face is in effect within 14 days of your scheduled arrival at the destination.

Medical Expenses for COVID-19

If you become sick with COVID-19 while traveling, it is covered the same as any other type of sickness. That means it will be treated the same way as an illness you might have, like the flu, for example. 

Additionally, if you require an Emergency Medical Evacuation or Medical Repatriation, it would be covered in the same way those coverages apply to other sicknesses. 

 

*Trip insurance is included as part of a travel protection plan, which consists of insurance coverages underwritten by United States Fire Insurance Company as well as non-insurance assistance services provided by Seven Corners. Insurance coverages are subject to the terms, limitations and exclusions in the plan, including an exclusion for pre-existing conditions. 

**CFAR is not available in all states. Our quick quote will display it as an option for you if it is available in your state. 

Pre-existing Conditions:  Losses resulting from pre-existing conditions are normally excluded from coverage. However, such losses are covered on the same basis as losses from all other sicknesses and injuries if you meet the requirements for the Pre-Existing Medical Condition Exclusion Waiver available on RoundTrip Choice and RoundTrip Elite if you buy the plan within 20 days of your initial trip deposit. This waiver requires you to insure all of your prepaid, nonrefundable trip costs. Additional terms and conditions apply, so please read the plan document for full details.

Important Information from the United States Fire Insurance Company

About the Author

angela borden

Angela Borden has been a member of the Seven Corners team since 2007. She originally joined as an underwriter, later transitioning to marketing to explore her passion for making all things insurance less confusing and more fun. (Is that possible?) When she's not working, Angela loves traveling and spending time with her family, including her two adorable dogs.

 
AH-2207  

 


 



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