Unfortunately, fear of traveling is never a covered reason to cancel a trip for a refund under standard travel insurance policies.
The only time a travel insurance policy can cover you to cancel because you’re afraid of traveling due to the rapidly spreading coronavirus is if you purchased the Cancel For Any Reason upgrade. This benefit partially reimburses you to cancel your trip for a reason that is not otherwise covered, such as fear of traveling.
In order to be eligible for the Cancel For Any Reason 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, and typically increases a policy’s premium by about 40%.
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!