Unfortunately, canceling your trip due to loss of enjoyment, such as one of your fun travel activities being canceled because you can’t or don’t want to travel in that particular city, is not a covered reason to cancel within most standard travel insurance policies.
It’s a common misconception that travel insurance covers “anything” that impacts your trip. However, travel insurance covers a specific list of events that prevent a traveler from taking a trip, such as weather, terrorism, or becoming sick.
The coronavirus outbreak in China is a unique situation. Although travel is being halted in certain areas of China, many popular attractions have been closed in efforts to stop the spread of the virus, and the CDC has issued a level 3 travel alert advising against nonessential travel, this is not enough to be covered to cancel your trip under most policies. Only a select few providers can cover travelers to cancel in the event of a CDC alert.
Travelers who are concerned about being covered for any situation, should consider purchasing the Cancel For Any Reason benefit, which allows travelers to cancel for reasons not covered by a standard policy. This includes canceling due to one of your trip activities being ruined.
Cancel For Any Reason is an optional upgrade that can be added to some policies, and typically increases the premium by about 40%. In order to be eligible for this benefit, you must buy your policy within 14-21 days of making your first trip payment, and must insure your entire trip cost. In order to cancel under this benefit, you must cancel your trip in its entirety at least 2 days before your scheduled departure date. This benefit can reimburse up to 75% of your trip cost.
This information may vary based on the travel insurance 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, seven days a week, and are delighted to help!