Zika Virus – All Position Statements

Official position statements from Squaremouth’s travel insurance providers on the Zika virus.

APRIL Travel Protection

The Zika virus is a mosquito-borne illness spread by the same type of mosquitoes responsible for the transmission of dengue and chikungunya viruses.

People infected with Zika may not experience any symptoms. A urine test can confirm the diagnosis but no medication is available to treat the virus.

Coverage under APRIL Policies

We continue to monitor the developments related to this virus. However, APRIL policy terms & conditions remain unchanged and coverage for Trip Cancellation, Trip Interruption, Emergency Medical, or Medical Evacuation may only be provided if:

  • A traveler contracts the Zika virus before covered trip
    • Trip Cancellation coverage may be provided
  • A traveler contracts the virus during covered trip
    • Trip Interruption, Emergency Medical, and/or Medical Evacuation coverages may be provided

Cancelling due to the CDC Travel Alert

The travel alert issued by the Centers for Disease Control and Prevention (CDC) for people, particularly pregnant women, traveling to the Caribbean, South and Central America, Mexico, the Pacific Islands, and Cape Verde, Africa does not alter our policy terms & conditions.

Coverage for Trip Cancellation may be provided under the Cancellation for Any Reason (CFAR) optional benefit. CFAR is available on the Trip Cancellation, VIP, and Choice plans. Please refer to the plan’s terms & conditions or contact us for more information on CFAR.

For questions, please contact APRIL’s 24-Hour Assistance Department at:
24/7 Toll-Free Number (Inside the U.S. & Canada): 855-277-4587
24/7 Assistance Collect Call: 305-455-0307
Assistance Email: assistus@apriltravelprotection.com
Live Web Chat: Visit www.AprilTravelProtection.com

Skype™: assist_us

In the event of a claim, please contact APRIL’s Claims Department at 855-277-4587 or claims@apriltravelprotection.com.
For more information on the Zika Travel Notices, please visit http://wwwnc.cdc.gov/travel/page/zika-travel-information.

Global Alert

On Friday, January 15th, 2016, a travel alert was issued by the Centers for Disease Control and Prevention for Mexico, and countries in Central America, South America, and the Caribbean due to an outbreak of Zika virus in these regions.  Global Alert understands travelers planning to visit these regions will have questions about their travel protection.

Global Alert plans and the coverage available are not impacted by this travel alert.  Countries in these regions continue to be eligible destinations.  There are no exclusions or limitations for an epidemic or pandemic, should the situation worsen.  Should travelers become ill with the Zika virus, coverage may be available for Emergency Medical, Medical Evacuation, Trip Cancellation, or Trip Interruption.

Some travelers may prefer to cancel their trip out of concern for the Zika virus.  Plans with Cancel For Any Reason Coverage allow travelers to decide for themselves whether to travel or cancel their trip.  Please be aware that to qualify for Cancel For Any Reason coverage, the plan must be purchased within 14 days of the initial trip deposit date and the latest opportunity to use the Cancel For Any Reason benefit is 2 days prior to the trip departure.  Please refer to your plan documents for full details.

Global Alert agents are happy to answer your specific questions, 24 hours per day.  Please contact us to learn more or refer to your plan documents for more information.

 

HCC Medical Insurance Services

HCC Medical Insurance Services is actively monitoring the growing issue of the spread of the Zika virus. With some of the worst consequences affecting fetuses and pregnant women, we encourage mothers to be, and those that may be pregnant, to reconsider any non-essential travel to the countries and regions mostly affected.

For those that must travel to these areas, as a mostly mosquito-borne virus proper precautions should be taken, including: mosquito repellant; long sleeve/pants apparel; mosquito nets; and avoiding areas with temporary or permanent stagnant water. If infected, travelers insured with our international travel medical products can expect to receive treatment for it as any other illness or injury, with coverage for both acute emergency care as well as physician office visits and prescriptions.

If and when the Centers for Disease Control (CDC) issues a Level 3 Travel Warning for a specific country or countries for the Zika virus, treatment for the virus would not be covered for travel to that country originating within 6 months after the date of the warning. For those in-country at the time of the warning, failure to depart within 10 days of the issuance will also render coverage for the virus excluded. Please note that if we are contacted by the member within 10 days of the issuance, evacuation to the nearest warning-free country, or the member’s home country, would be covered under the Political Evacuation benefit included in all of our international travel medical policies.

All members can keep abreast of the latest developments through their Client Zone portal. For questions regarding your coverage please contact our World Service Center at  800-605-2282, or dial collect from anywhere in the world at +1-317-262-2132.

 

MH Ross

On Friday, January 15th, 2016, a travel alert was issued by the Centers for Disease Control and Prevention for Mexico, and countries in Central America, South America, and the Caribbean due to an outbreak of Zika virus in these regions.  MH Ross understands travelers planning to visit these regions will have questions about their travel protection.

MH Ross plans and the coverage available are not impacted by this travel alert.  Countries in these regions continue to be eligible destinations.  There are no exclusions or limitations for an epidemic or pandemic, should the situation worsen.  Should travelers become ill with the Zika virus, coverage may be available for Emergency Medical, Medical Evacuation, Trip Cancellation, or Trip Interruption.

Some travelers may prefer to cancel their trip out of concern for the Zika virus.  Plans with Cancel For Any Reason Coverage allow travelers to decide for themselves whether to travel or cancel their trip.  Please be aware that to qualify for Cancel For Any Reason coverage, the plan must be purchased within 15 days of the initial trip deposit date and the latest opportunity to use the Cancel For Any Reason benefit is 2 days prior to the trip departure.  Please refer to your plan documents for full details.

MH Ross agents are happy to answer your specific questions, 24 hours per day.  Please contact us to learn more or refer to your plan documents for more information.

 

RoamRight

We believe it is prudent to heed the CDC issued travel alerts for the affected regions and certain countries where the Zika virus transmission is ongoing and to take recommended measures to protect and prevent oneself from contracting the virus.

With respect to RoamRight’s policies, travelers can still purchase insurance as the policy terms and conditions, including limitations and exclusions, are not interpreted or applied any differently in light of the Zika virus. Illness resulting from the virus is treated like any other illness as defined and coverage decisions are made independent of the CDC warning.

If you have any questions, please call the RoamRight customer service team at 800-699-3845.

 

Tin Leg

On Friday, January 15, 2016, the Center for Disease Control and Prevention issued a Zika virus Travel Health Notice Level 2, Practice Enhanced Precautions, for Puerto Rico, the Caribbean, Mexico, Central America, and South America. On Friday, January 22, Samoa and Cape Verde were also issued a Travel Health Notice Level 2 for Zika virus.

What you need to know about your policy:
Despite the outbreak, Tin Leg policies still offer Emergency Medical and Medical Evacuation benefits for travelers who become infected with the Zika virus while on a covered trip.

Tin Leg does not exclude any declared pandemics or epidemics, as such, coverage will remain available as long as a policy is purchased before the traveler contracts the virus.

Travelers who purchase a policy may have coverage for the following benefits if they become infected by the Zika virus.

  • Trip Cancellation and Trip Interruption:
    • Illness of you, your traveling companion or a family member
  • Emergency Medical
    • Coverage for medical expenses if travelers become infected with the Zika virus while traveling
  • Medical Evacuation:
    • Coverage for medical evacuation if you must be transferred due to infection of the Zika virus.

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): 001-727-264-5657
Emergency Assistance Email: emergency@tinleg.com

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

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

 

Travel Insured

On Friday, January 15th, 2016, a travel alert was issued by the Centers for Disease Control and Prevention for Mexico, and countries in Central America, South America, and the Caribbean due to an outbreak of Zika virus in these regions.

Travel Insured plans and the coverage available are not impacted by this travel alert. Countries in these regions continue to be eligible destinations. Should travelers become ill with the Zika virus while traveling, coverage may be available for Emergency Medical, Medical Evacuation, Trip Cancellation, or Trip Interruption.

Some travelers may prefer to cancel their trip out of concern for the Zika virus. Plans with Cancel For Any Reason Coverage allow travelers to decide for themselves whether to travel or cancel their trip.  Please be aware that to qualify for Cancel For Any Reason coverage, the plan must be purchased within 14 days of the initial trip deposit date and the latest opportunity to use the Cancel For Any Reason benefit is 2 days prior to the trip departure. Please refer to all plan documents for complete details of your coverage.

At this time, we advise travelers to take enhanced precautions against mosquito bites. Please contact us at 1-800-243-3174 with any questions you may have.

In the event of an emergency, please contact our non-insurance assistance services at 1-800-494-9907.

 

Travelex

The Centers for Disease Control and Prevention (CDC) has issued a Zika virus Travel Health Notice, and advising to practice enhanced travel precautions, for over 24 countries including Barbados, Bolivia, Brazil, Cape Verde, Colombia, Dominican Republic, Ecuador, El Salvador, French Guiana, Guadeloupe, Guatemala, Guyana, Haiti, Honduras, Martinique, Mexico, Panama, Paraguay, Puerto Rico, Samoa, St. Martin, Suriname, the U.S. Virgin Islands and Venezuela. The CDC cautions that “specific areas where Zika virus transmission is ongoing are often difficult to determine and are likely to change over time.” Travelex understands that travelers planning to visit these regions will have questions concerning their travel protection plans.

Currently, Travelex Insurance Services’ protection plans are not impacted by these travel alerts. Counties in these regions continue to be eligible destinations. However, should a traveler become ill with the Zika virus, coverage may be available for emergency medical assistance* and expenses, Emergency Medical Evacuation, Trip Cancellation or Trip Interruption.

Some travelers may prefer to cancel their trip out of concern for the Zika virus. Plans with Cancel for Any Reason Coverage allow travelers to decide for themselves whether to travel or cancel their trip. Please be aware that the trip must be canceled no less than 2 days prior to the scheduled trip departure date. Please refer to your plan documents regarding eligibility and for full details.

Many airlines are reviewing their policies on refunds and changes to bookings to the countries impacted by the travel alert. Concerned travelers may want to contact their airline to understand their policies on the issue.

Please refer to your applicable Description of Coverage and plan documents for full details of applicable coverage. If you have any further questions concerning coverage of a Travelex protection plan, please feel free to call our Customer Solutions Center at 1-800-228-9792.

*Travel Assistance & Concierge Services provided by the designated provider as listed in the Description of Coverage. For a summary of the plan details on coverages, benefits, limitations and exclusions of the insurance plan, please refer to the applicable Description of Coverage and/or Group Certificate/Individual Policy. Travel Insurance is underwritten by Transamerica Casualty Insurance Company, Columbus, Ohio; NAIC # 10952

1407932

 

TravelSafe

On Friday, January 15th, 2016, a travel alert was issued by the Centers for Disease Control and Prevention for Mexico, and countries in Central America, South America, and the Caribbean due to an outbreak of Zika virus in these regions.  TravelSafe understands travelers planning to visit these regions will have questions about their travel protection.

TravelSafe plans and the coverage available are not impacted by this travel alert.  Countries in these regions continue to be eligible destinations.  There are no exclusions or limitations for an epidemic or pandemic, should the situation worsen.  Should travelers become ill with the Zika virus, coverage may be available for Emergency Medical, Medical Evacuation, Trip Cancellation, or Trip Interruption.

Some travelers may prefer to cancel their trip out of concern for the Zika virus.  Plans with Cancel For Any Reason Coverage allow travelers to decide for themselves whether to travel or cancel their trip.  Please be aware that to qualify for Cancel For Any Reason coverage, the plan must be purchased within 15 days of the initial trip deposit date and the latest opportunity to use the Cancel For Any Reason benefit is 2 days prior to the trip departure.  Please refer to your plan documents for full details.

TravelSafe agents are happy to answer your specific questions, 24 hours per day.  Please contact us to learn more or refer to your plan documents for more information.

 

The following travel insurance providers have not released an official position statement on the Zika virus as of February 12, 2016:

Air Ambulance Card

AXA Assistance USA

Azimuth Risk Solutions, LLC

CSA Travel Protection

GeoBlue

HTH Travel Insurance

InsureandGo USA

iTravelInsured

John Hancock Insurance Agency, Inc. 

MedjetAssist

Protect Your Bubble

Seven Corners Inc

Trawick International

USA-ASSIST Worldwide Protection