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

For April Trip Cancellation, Choice and Annual Plans:

For any plans PURCHASED AFTER October 15th, 2020 that include coverage for losses due to sickness, we are providing coverage if you, a traveling family member, or a traveling companion contract COVID-19 and plan requirements are met. Eligible coverages can include Trip Cancellation prior to your scheduled departure, Trip Interruption, Travel Delay, Medical and Dental, and Emergency Assistance and Transportation coverage during your trip.

For April Pandemic Plus Plan:

If you contract Coronavirus prior to your departure, you may be covered under 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 Coronavirus while on a covered trip, you may be covered for Emergency Accident and Emergency Sickness Medical Expense and Trip Interruption if there is a confirmed diagnosis, including proof of illness from a doctor. These coverages are subject to the terms and conditions of your insurance policy.

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.

battleface

Coronavirus Position Statement

Effective March 11: Travel insurance is designed to provide coverage for unforeseeable circumstances. The Coronavirus, also known as COVID-19, has been widely known since January 2020, and was declared a pandemic by the World Health Organization on March 11, 2020.  Our plans do not provide coverage for losses due to or as a result of COVID-19, including trip cancellation, trip interruption, trip delay, medical expenses, or emergency medical transportation. This would include claims for Coronavirus sickness, quarantine, travel arrangements cancelled by a travel supplier (such as a cruise line, airline or tour operator), governmental travel restrictions, fear of travel, or medical advice to avoid travel due to possible Coronavirus exposure. 

Many travel suppliers are offering rebooking of cancelled arrangements with no penalties or change fees; please contact your travel supplier for details.

We offer a 10 day free look period for the sales of all plans, which means you may cancel your plan, for any reason, within that timeframe, and receive a full refund. For a temporary period, you may also qualify for a refund of your plan cost if your travel supplier cancels the arrangements and provides a full refund of the trip cost, and you have not filed a claim with us.

Berkshire Hathaway Travel Protection

The coronavirus (COVID-19) situation continues to evolve.  The product information provided below are only brief summaries. The full coverage terms and details, including limitations and exclusions, are contained in the insurance policy or Description of Coverage. Coverage and rates may vary by states. If there is any conflict between the contents of this website and the Policy or Description of Coverage, the Policy or Description of Coverage will govern in all cases.

Trip Cancellation coverage:   Reimbursement for trip cancellation due to concern or fear of travel associated with sickness, epidemic, or pandemic is not covered.  Also excluded from trip cancellation benefits are any travel advisories, government regulation or prohibition for travel, and your destination being inaccessible due to this illness.

Your travel insurance policy still includes trip cancellation coverage for many reasons listed in your policy including any serious injury, death or sickness. For example, if you contract the coronavirus and you are deemed by a doctor unfit to travel before your trip, you may be eligible for trip cancellation coverage.  Please read the policy for a complete list and explanation of coverage, limitations, and exclusions. 

Cancel For Any Reason (CFAR) coverage:  Travelers who purchase CFAR coverage, which typically costs around 40% more than the plan’s quoted rate, may be eligible for reimbursement of up to 50% of their non-reimbursable total trip cost.  CFAR is a time-sensitive coverage and you may only be eligible if you purchase CFAR at the time of your base policy purchase, insure your full trip cost, and cancel more than 48 hours prior to departure.

It is important to note other travel insurance benefits included in your comprehensive travel insurance plan still apply when traveling: 

Emergency Medical coverage:  can provide coverage if you get sick or injured on your trip, including if the traveler were to contract the coronavirus and require treatment while on their trip.

Emergency Medical Evacuation coverage: can provide coverage if it is determined by a medical provider that a sick traveler requires an emergency medical evacuation to the nearest hospital or back home.

Trip Interruption:  can provide coverage if it is determined by a medical provider that a sick traveler cannot continue with a trip and must return home.  If you are quarantined during your trip as a result of coronavirus, you may be covered under trip interruption for expenses up to the limit of coverage in your specific plan.

A few additional important notes for travelers:

  • Check with the airlines and other travel suppliers before filing a claim, to determine if travel suppliers are offering cancellation refunds or change accommodations.
  • Review your policy and call us with questions as policies can vary.

Travel insurance policies contain exclusions and limitations. Coverages may vary by state and plan purchased. The product descriptions provided here are only brief summaries and may be changed without notice. The full coverage terms and details, including limitations and exclusions, are contained in the insurance policy. Travel insurance is underwritten by Berkshire Hathaway Specialty Insurance Company.

Cat70

If you contract Coronavirus prior to your departure, you may be covered under 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 Coronavirus while on a covered trip, you may be covered for Emergency Accident and Emergency Sickness Medical Expense and Trip Interruption if there is a confirmed diagnosis, including proof of illness from a doctor. These coverages are subject to the terms and conditions of your insurance policy.

Generali Travel Insurance

January 29 – Coronavirus Outbreak

The Coronavirus outbreak is considered a foreseeable event as of January 29, 2020. This means coverage is unavailable for losses related to the Coronavirus if the insurance plan was purchased on or after January 29, 2020.

COVID-19 was formally declared a pandemic by the World Health Organization on March 11, 2020. For insurance plans that exclude pandemics, coverage is unavailable for losses that occurred on or after March 11, 2020. Plan exclusions for a pandemic can vary according to your state of residence and the plan you purchased. To review your coverage details, please see your Description of Coverage or Insurance Policy.
Our plans cannot provide coverage due to fear of travel unless you purchased Trip Cancellation for Any Reason coverage, which was offered on certain plans but is unavailable for purchase at this time.

For any plans that include coverage for losses due to sickness, we are providing coverage if you, a family member, or a traveling companion contract COVID-19 and plan requirements are met. Eligible coverages can include Trip Cancellation prior to your scheduled departure, Trip Interruption, Travel Delay, Medical and Dental, and Emergency Assistance and Transportation coverage during your trip.

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:

On the GeoBlue Voyager (single trip) plan, coverage for Trip Interruption depends on when you purchased your plan. Coverage for Trip Interruption on Voyager plans is not available for trips to a country subject to a CDC level-3 travel warning, or similar warning from the government of the destination country. If the policy was purchased after the date the destination country became subject to such a warning, coverage would not be available.

There is no impact to Trip Interruption coverage for eligible members who purchased a GeoBlue Voyager plan prior to the listed dates and have travelled or are planning travel to one of the listed countries. Members who meet this criteria may use the Trip Interruption benefit as needed ($500 max).

For all CDC references, please visit: https://wwwnc.cdc.gov/travel/notices.

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

For Diplomat International plan:

Covid-19 is excluded on the Diplomat International plan. This plan does not cover any claim in any way caused by or resulting from:

1.    a) Coronavirus disease (COVID-19);
2.    b) Severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2);
3.    c) any mutation or variation of SARS-CoV-2;
4.    d) any fear or threat of a), b) or c) above

For all other policies (Excluding the Diplomat International):

The Diplomat America and Diplomat Long Term do not specifically exclude Covid-19, therefore it is treated the same as any other illness. The claim will be subject to all terms and conditions outlined in the policy plan provision.

  • The coronavirus testing would be covered if ordered by a medical physician who deems it medically necessary, the insured fits the criteria for the test and the insured’s policy is active during the time of the testing.
  • The medical expenses would be covered as well during the time of the policy, if the signs and symptoms started during the effective date of the policy and will be paid per the parameters of the policy.
  • There is no trip cancellation coverage and Trip Interruption does not cover any conditions related to Covid-19.

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.

INF Visitor Care

INF policies cover COVID-19 like any other new sickness, subject to the terms and conditions of the policy. There is no special coverage or exclusions with regard to COVID-19. Each claim is evaluated as per the policy language, terms and conditions.

John Hancock

If you contract Coronavirus prior to your departure, you may be covered under 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 Coronavirus while on a covered trip, you may be covered for Emergency Accident and Emergency Sickness Medical Expense and Trip Interruption if there is a confirmed diagnosis, including proof of illness from a doctor. These coverages are subject to the terms and conditions of your insurance policy.

MedjetAssist

COVID-19 SPECIALIZED TRANSFER

Subject to all other Rules and Regulations and the following additional limitations on services described herein, when a Medjet Member (under age 85 whose Home Country is the United States, Canada or Mexico) is hospitalized as an inpatient due to Covid-19 within the contiguous 48 United States, Canada, Mexico or the Caribbean Islands, is more than 150 miles from their Residence Address, and requires continued inpatient hospitalization, Medjet will arrange for Covid-19 Specialized Transfer to the Member’s hospital of choice within their Home Country. If the Home Country of the Member is the United States, the receiving hospital must be within the contiguous 48 United States.

Members otherwise eligible for transfer for Covid-19 must not exceed the maximum allowable height, weight and girth requirements set forth by the manufacturers of Covid-19 transport pods utilized in the safe transfer of Covid-19 positive patients. Please contact Medjet if you have questions or concerns regarding the sizing requirements prior to travel.

No traveling companions or family members will be allowed to accompany patients transported for Covid-19.

If a hospitalized Member is under quarantine by a hospital, a government or any other regulatory entity exercising jurisdiction and that medical facility, government or regulatory entity will not allow transfer, transport will not be possible.

The receiving hospital selected by the hospitalized Medjet Member must agree to accept the patient.  Otherwise, Medjet’s transport to that hospital will not be possible.

The time frame for Covid-19 Specialized Transfer WILL BE extended beyond that of typical medical transports and is dependent on multiple factors including, but not limited to affiliate availability to transfer Covid-19 patients, required permits or permissions and any other factors that are beyond Medjet’s control.

With respect to Covid-19 specialized transfers, to the extent of any actual or claimed inconsistency between the Covid-19 Specialty Transfer provisions and any other provision(s) of the Rules and Regulations, the Covid-19 Specialty Transfer provisions control.

Under #2. Limitations on Medical transport Services
Medical transport services will not be provided to any Member who has a diagnosis of or is suspected of having a Biosafety Class Level 3 (and above) pathogen as classified by either the Centers for Disease Control and Prevention (CDC) or the National Institutes of Health (NIH), with the exception of Covid-19 as described in the Covid-19 Specialized Transfer Section.

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

The following covered reasons could provide coverage for trip cancellation if triggered directly or indirectly by the COVID-19 pandemic: 

  • Quarantine
  • Sickness
  • Death
  • Called to military duty for a national disaster
  • Involuntary employer termination or layoff

There are no applicable triggers that allow for trip cancellation coverage 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.

CFAR is an optional benefit you can add to RoundTrip Choice or RoundTrip Elite for an additional cost. CFAR pays 75% of your nonrefundable trip cost if you cancel your trip for any reason you choose.

Airline Reissue Fee — Under Trip Cancellation, you may receive this benefit.

  • If Your Travel Supplier cancels your trip, a benefit will be paid up to a maximum of $75 for the reissue fee charged by the airline for the tickets. You must have covered the entire cost of Your Trip including the airfare cost.

Trip Interruption Coverage

Coverage for COVID-19: Benefits may include coverage for Trip Interruption if you interrupt your trip for an applicable covered reason.

Possible covered reasons that could apply to COVID-19 include:

  • Quarantine
  • Sickness
  • Death
  • Called to military duty for a national disaster

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

Liaison Travel Plus excl US and Wander Frequent Traveler Plus excl US: 

If you become ill with Coronavirus while traveling and seek medical treatment, your medical expenses can be covered by the COVID-19 Treatment benefit for:

  • COVID-19 (the disease);
  • SARS-Cov-2 (the virus); and
  • Any mutation or variation of SARS-CoV-2.

Travel assistance services, including Emergency Medical Evacuation and Repatriation, Emergency Medical Reunion, Return of Children, Return of Mortal Remains, and Local Burial or Cremation can apply if you contract COVID-19 while covered by this plan. All plan conditions and exclusions apply to this COVID-19 Treatment benefit.   

*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.

Liaison Travel Basic excl US, Liaison Travel Choice excl US, and Wander Frequent Traveler excl US may offer coverage for treatment for COVID-19 if you purchased the plan before May 1, 2020. 

  • If you become ill with Coronavirus and seek medical treatment, your medical expenses can be covered for plans purchased before May 1, 2020.
  • If you require an emergency medical evacuation and repatriation due to Coronavirus, this can be covered for plans purchased before May 1, 2020.

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:

If you contract Coronavirus prior to your departure, you may be covered under 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 Coronavirus while on a covered trip, you may be covered for Emergency Accident and Emergency Sickness Medical Expense and Trip Interruption if there is a confirmed diagnosis, including proof of illness from a doctor. These coverages are subject to the terms and conditions of your insurance policy.

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

For Atlas policies purchased on or after July 15, 2020, COVID-19/SARS-CoV-2 is covered the same as any other illness, as long as it was not contracted before your coverage start date and does not fall within any other policy exclusion or limitation. Please note, testing for COVID-19 will only be covered if medically necessary and ordered by a physician.

Travelex Insurance Services

Travelex Insurance Services and our underwriter Berkshire Hathaway Specialty Insurance Company (BHSIC) are closely monitoring the coronavirus (COVID-19) outbreak as it continues to evolve and impact travel
worldwide.

If an insured or Traveling Companion contracts the coronavirus or is physically quarantined while coverage is in effect, they are eligible for Trip Cancellation/Trip Interruption and possibly Trip Delay coverage. An insured may also be eligible for Trip Cancellation/Trip Interruption coverage if a non-traveling Family Member is diagnosed with the coronavirus and is considered life-threatening or they require the insured’s immediate care. If an insured’s Business Partner is diagnosed with the coronavirus and the insured must cancel or interrupt the trip to assume daily management of the business. In all scenarios, the sickness must be certified by a physician at the time of cancellation/interruption.

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

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. However, insureds are still eligible for Trip
Cancellation/Interruption coverage in the event they are prevented from taking their trip due to one of the other reasons listed in their Travelex plan.

While we are no longer offering the Cancel for Any Reason upgrade option, plans where this has been purchased allows the insured to decide for themselves whether to travel or cancel their trip according to the terms of the plan.

Travel advisors and/or travelers should contact the airlines, cruise and tour operators and other suppliers to consider your options to change travel arrangements with the ability to waive or reduce penalties.

If you have questions regarding your Travelex plan coverage, please contact:
Travelex Customer Solutions
• Email the Customer Solutions team: customersolutions@travelexinsurance.com
• Call Customer Solutions team: 800.235.7178
• Hours: Monday – Friday, 8:00 a.m. – 7:00 p.m.
• To make a change to an existing Travelex policy; please use the Request A Plan Change form
Please consider filing your claim via email or through our website.
• Claims forms and questions can be emailed to: travelex.claims@bhspecialty.com
• File a claim on our website: https://www.travelexinsurance.com/plan-holders/file-a-claim
• Please allow 4-5 days for a response via email. Thank you, we appreciate your patience.

The product information provided is only a brief summary. The full coverage terms and details, including limitations and exclusions, are contained in the insurance policy or Description of Coverage. Coverage and rates may vary by states. If there is any conflict between the contents of this website and the Policy or Description of Coverage, the Policy or Description of Coverage will govern in all cases.

Please note: Travelex Insurance Services is a subsidiary of Cover-More Holdings USA, Inc. which is a wholly owned subsidiary of Zurich Insurance Group Limited. Travelex Insurance Services separated all business operations from Travelex Holdings, LTD which includes Travelex Worldwide Money and Travelex Currency Services in November 2016.

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:

Position Statement – Corona Virus
May 7, 2020

The Coronavirus will be treated as any other Sickness for purposes of all coverages that are triggered by a Sickness or that can reimburse losses resulting from a Sickness. Depending on the plan design, this can include:
Trip Cancellation
Trip Interruption
Sickness Medical Expense
Emergency Medical Evacuation/Repatriation of Remains

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.
Please check your policy for full details.

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 International’s 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 International’s 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. 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. Additional countries may be restricted in the future.

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. Also note, that our plans may contain exclusions relating to complications of pre-existing conditions and government prohibition or regulation. Referrer to your policy wording for the full policy terms, conditions, limitations and exclusions.

Updates on March

In reference to the restrictions and regulations imposed by the governments of different countries, we want to clarify that preventive confinement or quarantine imposed are not considered an eligible event under any of the benefits of our plans.

If you are already traveling outside your country of residence and your current policy is about to expire or expired (whether or not it is from our company), you can purchase our complementary premium plan. Click here for more information on our TravelMedical insurance.

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

If you contract Coronavirus prior to your departure, you may be covered under 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 Coronavirus while on a covered trip, you may be covered for Emergency Accident and Emergency Sickness Medical Expense and Trip Interruption if there is a confirmed diagnosis, including proof of illness from a doctor. These coverages are subject to the terms and conditions of your insurance policy.

As of October 29, 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