Under most standard Trip Cancellation policies, an alert from the Centers for Disease Control and Prevention (CDC) is not a covered reason to cancel a trip, however some providers may offer this coverage.
Typically, a travel alert or warning is not enough to trigger Trip Cancellation coverage. Most policies do not have this coverage, however it can be included by a select few policies. To determine if a policy has Trip Cancellation coverage for a CDC alert, check the list of covered events in the policy’s certificate.
If a CDC alert is not specifically listed as a covered event, it is not covered under standard Trip Cancellation. In that case, you would need the Cancel For Any Reason benefit to be able to cancel due to a CDC alert.
Cancel For Any Reason allows you to cancel for a reason that is not otherwise covered by your policy. To be eligible for this benefit, most policies require that you purchase your policy within 14-21 days of your initial trip deposit date and insure 100% of your prepaid and non-refundable trip expenses. Certain cruise only policies with Cancel For Any Reason are available any time before you’ve made your final trip payment.
Cancel For Any Reason only reimburses up to 75% of your trip costs and requires you to cancel the trip at least 2-3 days before your departure date. This upgrade usually increases a policy’s premium by about 40%.
This information is time sensitive and may vary by policy. If you have questions about a specific policy, please contact us directly at 800-240-0369. Our customer service representatives are available from 8am to 10pm ET daily and are delighted to help.