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Trip Insurance and Coronavirus

Angela Borden | Sep 15, 2020

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?”

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. In all cases, the trip cancellation benefit must be in effect when the triggering event occurs. The same limitations and exclusions that apply to all claims also apply to claims for losses caused by COVID-19, including the exclusion for pre-existing conditions (when applicable).  

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 any reason not otherwise covered by this plan. 

How does CFAR work?

  • You will be reimbursed for 75% of your prepaid and nonrefundable trip expenses. 
  • You can add CFAR to RoundTrip Basic, Choice, and Elite for an additional fee. The price will increase by 42% for Basic and Choice and 40% for Elite. 
  • You can add CFAR to your plan within 20 days of the date your initial trip deposit is received. 
  • You must insure the full cost of subsequent trip arrangements added to your trip within 15 days of the date you paid for them.    
  • 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 travel arrangements and your additional transportation cost to: 

  • Join your trip if you must leave after your scheduled departure date or travel via alternate travel arrangements; or 
  • Rejoin your trip from the point where you interrupted it; or
  • Transport you to your originally scheduled return destination.  

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. In all cases, the trip interruption benefit must be in effect when the triggering event occurs. The same limitations and exclusions that apply to all claims also apply to claims for losses caused by COVID-19, including the exclusion for pre-existing conditions (when applicable). 

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. 

Get a RoundTrip Travel Insurance Quote »


*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. 

**Please note our plans define “quarantine” as being forced into medical isolation by a recognized government authority, their authorized deputies, medical examiners or a physician to prevent the spread of a disease due to you or your traveling companion, family member, or business partner either having, or being suspected of having a contagious disease, infection or contamination. 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.  

As an accommodation to insureds, if the destination to which you are traveling is requiring all travelers similarly situated to you or your traveling companion to be quarantined (as defined) for a period of time upon entry, you may be eligible for trip cancellation coverage — provided the quarantine that you or your traveling companion would face is in effect within 14 days of your scheduled departure date. You must cancel your trip within this 14-day period prior to departure. If you cancel your trip more than 14 days prior to your trip, there is no trip cancellation coverage due to a quarantine — unless you provide proof at the time of your cancellation that there is a quarantine order that will be in effect on your scheduled departure date.   

Please note this accommodation only applies if the quarantine at your destination is completely unavoidable for all travelers similarly situated to you or your traveling companion. If you or your traveling companion can avoid the quarantine by testing negative for COVID-19 prior to arrival into the destination, then this accommodation would not apply.

***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. This Cancel for Any Reason Benefit does not cover the failure of the Travel Supplier to provide the bargained-for Travel Arrangements due to cessation of operations for any reason.  

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

AH-3165

angela borden

About the Author

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.

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