China Coronavirus Outbreak

Coronavirus Outbreak – Provider Position Statements

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Throughout 2020, officials worldwide have been working to contain the outbreak of the coronavirus, which has spread to more than 100 countries. Squaremouth’s travel insurance providers share their official position statements on the virus outbreak, which started in Wuhan, China, and was declared a global pandemic on March 11.

We request travel insurance position statements from all of our providers. If you do not see a position statement from your provider listed below, we recommend contacting them directly for information on your policy’s specific coverage.

April Travel Protection

The Coronavirus outbreak is considered a foreseeable event under any APRIL / Generali plans purchased on or after January 29, 2020. That means you could be covered if you are diagnosed with Coronavirus, but foreseeable events such as becoming quarantined due to the Coronavirus will not be covered.

Please note, our plans will not cover fear of travel, unless you purchased Trip Cancellation for Any Reason coverage.

Customers are strongly encouraged to read their Description of Coverage or Insurance Policy for details regarding their available coverage.

Arch RoamRight

Trip Cancellation Coverage 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 plans. 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.

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.

AXA Assistance USA

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: https://travel.state.gov/content/travel/en/traveladvisories/traveladvisories.html/

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 ustravel@axa-assistance.us.

Berkshire Hathaway Travel Protection

Chinese health authorities are seeking to impose a quasi-quarantine around the city of Wuhan. This is due to the pneumonialike coronavirus that has sickened over 300. This is now a known event and policies would need to be purchased prior to 1.21.2020 for coverage to apply.

Please note that fear of travel, travel advisories and destination being inaccessible due to this illness are not covered risks under our policies. In order to cancel/interrupt a trip due to quarantine the traveler, or traveling companion, would need to be physically quarantined themselves.

Cat70

The Coronavirus is not a Natural Disaster as defined in Starr’s Leisure Travel Policy and so regardless of the named travel warning and timing for purchase of the policy, there is no coverage for interruption, delay or cancellation unless the member purchased CFAR. The Coronavirus became a known event on January 22, 2020. “Travel insurance may not provide coverage for an event if the policy is purchased after the event becomes known and foreseeable.”

Generali Travel Insurance

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 Generali Global Assistance with questions.

GeoBlue

A new coronavirus is causing an outbreak of pneumonia in the city of Wuhan, China. Symptoms of this illness include fever, cough, and difficulty breathing. Hundreds of cases have been reported in the country. The CDC has issued a Warning Level 3 notice that travelers should avoid all nonessential travel to the city. Chinese officials have closed transport within and out of Wuhan, including buses, subways, trains, and the international airport.

What you need to know about your policy:

As of January 27th, the outbreak is no longer considered an unforeseen event. Coverage related to the event is not available for GeoBlue policies purchased after this date.

GeoBlue policies purchased on or prior to January 27th may provide coverage related to the event, including Trip Interruption and Lost Baggage and Personal Effects benefits.

Trip Interruption coverage for Infectious Diseases:

If you cannot continue your trip, we will pay for you or your traveling companion’s return home from your current location outside the United States.

For an event to be covered under GeoBlue policies, the event must occur after a Voyager Choice or Voyager Essential policy has been purchased and meet at least one of the following requirements. Trekker Choice and Trekker Essential policies do not have interruption coverage.

  • Illness or Injury which would cause a reasonable person to delay, cancel or interrupt their Trip, we will pay for additional transportation expenses needed to reach the scheduled termination point of Your trip or to travel from the place Your trip was interrupted to the place where You can rejoin your trip.
  • You are the victim of a felonious assault during your period of coverage and you no longer can complete Your trip, we will pay for you to return home from your current location outside of the United States.
  • Due to a terrorist event or an imminent threat to personal safety, which is documented by a U.S. State Department Travel Warning, we will pay for additional transportation expenses needed to reach the scheduled termination point of Your trip or to travel from the place Your trip was interrupted to the place where You can rejoin Your trip. In the event you cannot continue your trip, we will pay for your return home from your current location outside of the United States.

Baggage & Personal Effects Coverage for Infectious Diseases:

For an event to be covered under the Baggage & Personal Effects benefit within GeoBlue policies, it must be a Voyager Choice or Voyager Essential plan and meet the following requirements. Coverage is secondary to any coverage provided by a Common Carrier. Trekker Choice and Trekker Essential policies do not have Baggage & Personal Effects coverage.

  • The baggage and personal effects must be owned by the insured person.
  • You must notify the appropriate local authorities at the place the loss occurred and inform them of the value and description of Your property within 24 hours after the loss.
  • You must file written proof of loss with the Company within 90 days from the date of loss, attaching copies of airline, cruise line or Common Carrier claims forms, original police reports, passport/visa reissuance receipts, an itemization and description of lost items and their estimated value, and all receipts, credit card statements, canceled checks, photos, or other appropriate documentation as may be required.
  • The baggage and personal effects must not be items which are specifically excluded by your insurance contract with GeoBlue.

In addition to Trip Interruption and Baggage & Personal Effects Coverage, other benefits, including Emergency Medical Evacuation, may also be available for coverage related to the outbreak.

In the event of an emergency, please contact GeoBlue’s 24 Hour Emergency Assistance department as soon as reasonably possible at:
Emergency Assistance Inside U.S.: 800-257-4823 (Toll Free)
Emergency Assistance Outside U.S. (Collect Call): 610-254-8771
Emergency Assistance Email: globalhealth@geo-blue.com

In the event of a claim, please contact GeoBlue’s Claim department at claims@geo-blue.com. Alternatively, you may start your claim online through your Member Services account: https://geobluetravelinsurance.com/login/login.cfm

This information is meant to be a summarized overview of benefits in GeoBlue Voyager and GeoBlue Trekker plans that can assist those in need due to this event. Please always refer to the plan documents for specific details. If you have any questions, please contact GeoBlue at 855-481-6647. Our agents are available 24 hours per day and are happy to help.

Global Underwriters

The Coronavirus is not a Natural Disaster as defined in Starr’s Leisure Travel Policy and so regardless of the named travel warning and timing for purchase of the policy, there is no coverage for interruption, delay or cancellation. The Coronavirus became a known event on January 22, 2020. Travel insurance may not provide coverage for an event if the policy is purchased after the event becomes known and foreseeable.

HTH Worldwide

A new coronavirus is causing an outbreak of pneumonia in the city of Wuhan, China. Symptoms of this illness include fever, cough, and difficulty breathing. Hundreds of cases have been reported in the country. The CDC has issued a Warning Level 3 notice that travelers should avoid all nonessential travel to the city. Chinese officials have closed transport within and out of Wuhan, including buses, subways, trains, and the international airport.

What you need to know about your policy:

As of January 27th the outbreak is no longer considered an unforeseen event. Coverage related to the outbreak is not available for HTH TripProtector policies purchased after this date.

HTH TripProtector policies purchased on or prior to January 27th may provide coverage related to the event, including Trip Cancellation, Trip Interruption and Trip Delay benefits.

Trip Cancellation and Trip Interruption coverage for Infectious Diseases:

For an event related to an infectious disease to be covered under the TripProtector policies, the event must occur after a policy has been purchased and meet at least one of the following requirements.

  • Sickness, accidental injury or death of an insured person or an insured person’s family member or traveling companion.
  • Your destination accommodations are rendered uninhabitable.
  • Death or hospitalization of your host at your destination.
  • You or a traveling companion being quarantined

Baggage & Personal Effects Coverage for Infectious Diseases:

For an event to be covered under the Baggage & Personal Effects benefit within HTH TripProtector policies, it must meet all of the following requirements. Coverage is secondary to any coverage provided by a Common Carrier. There will be a per article limit shown on the Confirmation of Coverage.

  • The baggage and personal effects must be owned by the insured person.
  • The police or other authority must be notified within twenty-four (24) hours in the event of theft.
  • You must file written proof of loss with the insurer within 90 days from the date of loss, attaching copies of airline, cruise line or common carrier claims forms, original police reports, passport/visa reissuance receipts, an itemization and description of lost items and their estimated value, and all receipts, credit card statements, canceled checks, photos, or other appropriate documentation as may be required.
  • The baggage and personal effects must not be items which are specifically excluded by your insurance contract with HTH Worldwide.
  • You sustain loss, theft or damage to baggage and personal effects during the trip, provided you have taken all reasonable measures to protect, save and/or recover the property at all times.

Travel Delay coverage for Infectious Diseases:

For an event to be covered under the Trip Delay benefit within HTH TripProtector policies, it must meet the following requirements for minimum length of delay:

  • TripProtector Economy policy: 8 consecutive hours
  • TripProtector Classic policy: 6 consecutive hours
  • TripProtector Preferred policy: 6 consecutive hours

In addition to Trip Cancellation, Interruption, Delay and Baggage & Personal Effects Coverage, other benefits, including Emergency Medical Evacuation, may also be available for coverage related to the outbreak.

In the event of an emergency, please contact HTH Worldwide’s 24-Hour Emergency Assistance department as soon as reasonably possible at:
Emergency Assistance Inside U.S.: 888-243-2358 (Toll Free)
Emergency Assistance Outside U.S. (Collect Call): 610-254-8771
Emergency Assistance Email: globalhealth@hthworldwide.com

In the event of a claim, please contact HTH Worldwide’s Claim department at 888-243-2358 or HTHclaims@hthworldwide.com

This information is meant to be a summarized overview of benefits in HTH TripProtector plans that can assist those in need due to this event. Please always refer to the plan documents for specific details. If you have any questions, please contact HTH Worldwide at 888-243-2358. Our agents are available 24 hours per day and are happy to help.

John Hancock

The Coronavirus is not a Natural Disaster as defined in Starr’s Leisure Travel Policy and so regardless of the named travel warning and timing for purchase of the policy, there is no coverage for interruption, delay or cancellation unless the member purchased CFAR. The Coronavirus became a known event on January 22, 2020. “Travel insurance may not provide coverage for an event if the policy is purchased after the event becomes known and foreseeable.”

MedjetAssist

Due to restrictions resulting from the Coronavirus, MedjetAssist and MedjetHorizon services are currently suspended in the following countries:

  • China
  • Hong Kong
  • Taiwan
  • Macau

Services to additional countries may be restricted in the future.

Please contact Medjet prior to your travels if you have any questions or concerns, at 1.800.527.7478.

For more information on the Coronavirus, and official updates on areas affected, below is a link to the CDC: https://www.cdc.gov/coronavirus/2019-ncov/index.html

Nationwide

Cancellation/interruption may be honored under the Nationwide Prime policy if coverage was purchased before Jan 24th and if the Itinerary includes China for the period of time that the travel warning is in effect, subject to all other terms and conditions. State exceptions may apply.

Otherwise cancellation coverage may only be available through CFAR if purchased.

Nationwide Prime:

TRIP CANCELLATION:

If the Center for Disease Control issues a travel warning that travel should be avoided to Your destination country or region for a period of time that would include Your Trip.

TRIP INTERRUPTION:

If the Center for Disease Control issues a travel warning that travel should be avoided to Your destination country or region during Your Trip.

Level 3 is deemed a travel warning and as such, we are providing the following: CDC – Level 3 Avoid Non-essential Travel to the Hubei Province was issued on January 24th. https://wwwnc.cdc.gov/travel/notices

Seven Corners

Trip Cancellation Coverage

There are no applicable triggers that allow for trip cancellation coverage for the coronavirus, including canceling a trip for fear of contracting the virus while traveling.

If travelers purchase Cancel For any Reason (CFAR) within the required time frame, it could apply and allow the insured to cancel for fear of traveling, provided they meet the requirements for CFAR.

Travel Delay Coverage

Benefits may include coverage for Travel Delay if an insured is delayed the required amount of time (stated in the plan document) for an applicable covered reason. Possible covered reasons include: a) any delay of a Common Carrier (the delay must be certified by the common carrier) and/or b) quarantine.

Missed Connection

Benefits may include coverage for Missed Connection. To trigger this coverage, an insured must miss a cruise or tour departure due to a delay for the required time length (stated in the plan document) if the delay is caused by a covered reason. Covered reasons that could apply include: a) any delay of a common carrier (the delay must be certified by the common carrier) and/or b) quarantine.

Travel Medical Insurance

If you become ill with Coronavirus while traveling, your medical expenses can be covered.

If you require an emergency medical evacuation and repatriation due to Coronavirus, this can be covered.

*Note: The ability for Seven Corners to execute an emergency medical evacuation and/or repatriation may be limited due to travel and other restrictions. Some emergency evacuation providers and airlines have restricted and eliminated their services in specific areas.

Our retail travel medical plans include: Liaison Travel Medical, Wander Frequent Traveler, Inbound USA, Explore North America, and Liaison Student.

Tin Leg

Throughout 2020, officials worldwide have been working to contain the outbreak of the Coronavirus. The virus outbreak, which started in Wuhan, China, has been declared a global pandemic.

For Tin Leg Economy, Standard, Luxury, and Adventure policies:

Trip Cancellation and Trip Interruption coverage for the coronavirus:

In order for a traveler to be covered to cancel or interrupt their trip due to an infectious disease, the traveler or their traveling companion would need to contract the coronavirus or be physically quarantined themselves. Fear of traveling, a travel advisory, or a destination being inaccessible due to the virus outbreak is not covered under Tin Leg policies.

Emergency Medical and Medical Evacuation coverage for the coronavirus:

Tin Leg policies can provide Emergency Medical coverage for a traveler’s incurred medical expenses if they become infected during their trip, as well as Medical Evacuation coverage if their sickness requires an evacuation.

In the event of an emergency, please contact Tin Leg’s 24 Hour Emergency Assistance department as soon as reasonably possible at:
Emergency Assistance Inside US: 844-927-9265 (Toll Free)
Emergency Assistance Outside US (Collect Call): +1-727-264-5657
Emergency Assistance Email: emergency@tinleg.com

For Tin Leg Gold policies:

The Coronavirus is not a Natural Disaster as defined in Starr’s Leisure Travel Policy and so regardless of the named travel warning and timing for purchase of the policy, there is no coverage for interruption, delay or cancellation unless the member purchased CFAR. The Coronavirus became a known event on January 22, 2020. “Travel insurance may not provide coverage for an event if the policy is purchased after the event becomes known and foreseeable.”

In the event of an emergency, please contact Tin Leg’s 24 Hour Emergency Assistance department as soon as reasonably possible at:
Emergency Assistance Inside US: 844-945-1468 (Toll Free)
Emergency Assistance Outside US (Collect Call): +1-519-945-6028
Emergency Assistance Email: acm.assistance@tinleg.com

For all Tin Leg policies:

In the event of a claim, please contact Tin Leg’s Claim department at 844-240-1233 or claims@tinleg.com. Start your claim online: https://tinleg.com/claims/online

Please contact Tin Leg with any questions at 844-240-1233, we are delighted to answer any additional questions.

Tokio Marine HCC – Medical Insurance Services Group

Coronavirus is covered as an eligible illness unless the virus has been contracted in a location for which the U.S. Centers for Disease Control (CDC) has issued a Warning Level 3.

The CDC issued a Warning Level 3 for all of China on January 27, 2020.

Policy Exclusion – CDC Level 3 Travel Warning:

Charges resulting from a disease outbreak in a country or location for which the U.S. Centers for Disease Control and Prevention (CDC) has issued a Level 3 Travel Warning if a) the warning has been in effect within the 6 months immediately prior to your date of arrival, or b) within 10 days following the date the warning is issued you have failed to depart the country or location.

Travelex Insurance Services

To clarify how Travelex plans provide coverage, the outbreak of the coronavirus, now known as COVID-19, became a foreseeable event for Travelex Insurance plans underwritten by Berkshire Hathaway Specialty Insurance on January 21, 2020. The explanation below regarding the coverage of Travelex plans applies to all travel destinations, not just China and surrounding countries.

Plan coverage purchased prior to January 21, 2020

You would need to have purchased your Travelex plan prior to January 21, 2020, to be eligible for Trip Cancellation/Trip Interruption. The insured traveler or traveling companion would need to be physically quarantined themselves in order to cancel or interrupt their trip.

An insured is also eligible for Emergency Medical/Evacuation coverage if the insured contracts the coronavirus while traveling.

Plan coverage purchased on January 21, 2020 or later

An insured is eligible for Emergency Medical/Evacuation coverage if they contracted the virus on their trip. They are not eligible for Trip Cancellation/Trip Interruption coverage if the effective date of their plan is January 21, 2020 or later.

It is important to note that fear of travel, travel advisories and destination being inaccessible due to this illness are not covered risks under the Travelex Insurance plans.

Plans where the Cancel for Any Reason upgrade has been purchased allows the insured to decide for themselves whether to travel or cancel their trip according to the terms of the plan.

Please refer to your appropriate policy document for complete details regarding plan coverage.

Note: We are experiencing higher call volume and longer wait times due to questions regarding the coronavirus. During this time, you may use our online self-serve options to save time:
• Purchase: Online at www.travelexinsurance.com
• Plan Changes: Request a policy change online under ‘Plan Holders’ tab or email us at customersolutions@travelexinsurance.com
• Plan Questions: Email us at customersolutions@travelexinsurance.com

Should you need to file a claim on your policy, you may contact Claims at:
• Claims: 1.855.205.6054 or email at travelex.claims@bhspecialty.com

We appreciate your business and are working through your requests and inquiries as quickly as possible.

TravelSafe

Coronavirus Virus Disease 19 (COVID-19) is the official name of the 2019/2020 coronavirus, as stated by the World Health Organization on Tuesday, February 11, 2020. Below, you will find coverage information regarding TravelSafe Insurance plans.

COVID-19 was officially declared a public emergency by the World Health Organization. While travel suppliers and airlines are trying to accommodate travelers, some delays and cancellations are inevitable. TravelSafe understands those with plans affected by the coronavirus will have questions about their coverage, and they are encouraged to call us 24/7 with any questions.

The following are some general guidelines regarding the various coverages that may be available (items below are examples):

Are epidemics and/or pandemics excluded from coverage in TravelSafe plans? No. TravelSafe Insurance does not exclude epidemics and/or pandemics from coverage. However, most coverages require a triggering event to occur. Triggering events that may occur because of the coronavirus are discussed below for several coverages.

Trip Delay – Additional meal, local transportation and accommodation expenses may be reimbursed up to the amount provided by the plan if you have left home and travel is delayed 6 hours or more due to common carrier (such as airplane) delays or cancellations. Coverage may also apply due to quarantine. Additional covered reasons may apply. The dollar amount of coverage will be based on the plan you selected. Please refer to your plan documents for complete details.

Missed Connection – This benefit can reimburse unused land and water arrangements and additional transportation to catch up to the trip if you miss your cruise or tour departure because you are delayed for three hours or more by a covered reason. Covered reasons can include a three hour delay of a common carrier (such as an airplane), or if you are placed in quarantine due to the coronavirus. The dollar amount of coverage for Missed Connection will vary depending on the plan you purchased. For more details, please review your plan documents.

Trip Interruption – TravelSafe plans offer Trip Interruption coverage for your travel arrangements if they are disrupted and you must join your trip late, leave early, or return later than originally scheduled due to a covered reason. Depending on the TravelSafe plan, covered reasons to interrupt the trip can include: quarantine due to the coronavirus or a government-mandated shutdown of an airport or air traffic control system for reasons other than terrorism or an act of war. You may also be covered if you lose 50% or more of your scheduled trip duration due to quarantine because of the coronavirus or due to a common carrier (such as an airplane) delay. Trip Interruption bases the dollar amount of coverage on the amount of trip cost you insured on the plan. To be certain that you have this protection, please review your plan documents or call TravelSafe.

Trip Cancellation – TravelSafe plans offer Trip Cancellation of your trip if your arrival on the trip is delayed and causes you to lose 50% or more of the scheduled trip duration due to the reasons covered under the Missed Connection benefit. Covered reasons can include if you are quarantined and it results in you losing 50% or more of your scheduled trip duration or if a common carrier (such as an airplane) delay results in you losing 50% or more of your scheduled trip duration. The dollar amount of coverage is determined by the amount of trip cost you insured on the plan. Please read your plan documents for specific information.

This information is a general overview of coverages that may apply if travel plans are impacted by the coronavirus. The coverage available for your trip will be based on the terms in your travel protection plan. Additional terms apply to all coverages discussed. Additional coverages may be able to provide benefits. Please refer to your plan documents to learn more or contact TravelSafe with questions. Agents are available 24/7 and happy to help.

Trawick

For Safe Travels 3 In 1, Safe Travels Single Trip, Safe Travels First Class, Safe Travels Outbound excl US, Safe Travels Outbound Cost Saver excl US, Safe Travels Annual Executive, Safe Travels Annual Deluxe, and Safe Travels Annual Basic policies:

Centers of Disease Control and Prevention is responding to an outbreak of respiratory disease caused by a novel (new) coronavirus that was first detected in Wuhan City, Hubei Province, China and which has now been detected in 32 locations internationally, including cases in the United States. The virus has been named “SARS-CoV-2” and the disease it causes has been named “coronavirus disease 2019” (abbreviated “COVID-19”).

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. Coverage related to the event is not available for Trawick International Nationwide plans after these dates. Trip Cancellation coverage may only be available if optional Cancel for Any Reason coverage was purchased.

If a traveler is quarantined while on their trip due to the Coronavirus, their travel insurance policy will continue to be in effect during their quarantine.

Should you need to adjust your travel dates, or request a premium refund on a cancelled trip, please contact us at 888-301-9289 or email info@TrawickInternational.com.

EMERGENCY

In the event of an emergency, please contact Trawick Internationals 24 Hour Emergency Assistance department as soon as reasonably possible at:
Emergency Assistance Inside U.S.: 800-689-1896 (Toll Free)
Emergency Assistance Outside U.S. (Collect Call): 603-898-9159

CLAIMS

In the event of a claim, please contact Trawick Internationals Claim department at NWTravClaims@cbpinsure.com. Alternatively, you may start your claim online at https://www.trawickinternational.com/claim-information/claim-forms

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 24, 2020. Please contact Trawick International with questions.

TripAssure

For information regarding the Coronavirus, please visit https://www.cdc.gov/coronavirus/index.html. In general, the outbreak of a disease at a trip destination is not covered as it is not a Sickness that is suffered by the traveler or their Family Members. The Sickness requires in person treatment by a physician who verifies that the condition is disabling from travel while coverage is in effect. Government travel advisories or travel restrictions by a governmental authority are not covered under the plan. Please call 888-595-8747 for any specific coverage questions you may have.

Trip Cancellation: If cancellation results from the travelers not feeling safe to travel to the trip destination, this is not a covered event. Safety concerns or preventative measures are not covered. Safety concerns are not a Sickness as defined. To be considered a covered Sickness the traveler must have in-person treatment by a physician that disables the traveler from participation on their trip. Check your “schedule of coverage” to determine if cancel for any reason benefits are applicable. This coverage is only available in certain plans.

Cancel For Any Reason ( Plan G795C only): the plan will pay 75% of the non-refundable Trip Cost. For this benefit to be applicable the following conditions must be met: the plan was purchased within 15 days of the initial deposit, the traveler was not disabled from travel when protection plan is purchased, the traveler insured 100% of the arrangements and cancellation is two days or more prior to scheduled departure date.

Trip Interruption: If the trip is interrupted by choice, this is not covered by the plan (i.e. not feeling safe to continue, go somewhere else or are rerouted), this not a covered event. An alteration of travel plans as a preventive measure is not covered under the plan. If the travelers contract the disease and interrupt their trip as a result or are quarantined; this can be covered by the plan.

Travel Delay: Benefits may be available if during the trip the travelers are delayed for 6 hours or more due to a delay of an Common Carrier (i.e. airline, cruise ship, etc.), the travelers suffering from a Sickness or Quarantine of insured travelers.

Emergency Assistance and Transportation: Benefits can be covered if the travelers contracted the disease while on the trip and medical transport or repatriation is deemed necessary by the treating physician and the Program Medical Advisor (Generali Global Assistance).

Please note that the statements above are not a guarantee of benefits. All benefits are subject to confirmation of the purchase of the plan, the written claim documentation and the plan provisions. In the event of a claim, benefits will be determined upon review of the documentation received.

USA-ASSIST

We would like to warn every policy holder and traveler about the recent Coronavirus outbreak that originated in China and is expanded to other parts of the world.

Due to restrictions resulting from the Coronavirus virus since January 21, 2020, this outbreak is considered a foreseeable event for our plans. Therefore, the plans are temporarily excluding it from medical and cancellation/interruption benefits for travelers by, to and/or from China regions.

This cut-off also extends for cancellation/interruption coverage for trips to and/or from all other destinations where the virus outbreak has already been present. You can follow the development by region of the virus through our link: COVID-19 Global Cases.

If you already have a trip insured for cancellation and contract this virus (or any other unexpected illness) before you leave, you will likely have coverage to cancel your trip. In order to cancel/interrupt a trip due to quarantine the traveler, or traveling companion, would need to be physically quarantined themselves.

Please note fear of travel, travel advisories, and destination being inaccessible related to coronavirus are not covered risks under our policies. Our policies contain exclusions relating to a contagious disease and government prohibition or regulation. Refer to your policy wording for the full policy terms, conditions, limitations and exclusions.

You can contact us prior to a trip if you have any questions or concerns, at +1 310 694-8453 or write to contact@usa-assist.com.

USI Affinity Travel Insurance Services

The Coronavirus is not a Natural Disaster as defined in Starr’s Leisure Travel Policy and so regardless of the named travel warning and timing for purchase of the policy, there is no coverage for interruption, delay or cancellation unless the member purchased CFAR. The Coronavirus became a known event on January 22, 2020. “Travel insurance may not provide coverage for an event if the policy is purchased after the event becomes known and foreseeable.”

As of March 16 2020, the following travel insurance providers have not released an official position statement on the China coronavirus outbreak:

  • Azimuth Risk Solutions
  • Dogtag
  • Global Guardian Air Ambulance
  • IMG
  • iTravelInsured
  • Trawick International