The coronavirus outbreak – officially named COVID-19 – was declared a pandemic on March 11, 2020. Since then, COVID-19 has spread worldwide, severely impacting travel, causing travel restrictions and border closures. The U.S. State Department has issued travel advisories for many countries. Travelers can view the current list of U.S. State Department Travel Advisories.
To provide information about travel insurance coverage for the outbreak, Squaremouth has created the Coronavirus Outbreak Travel Insurance Information Center. This resource is regularly updated by Squaremouth’s travel insurance experts with official provider position statements, answers to frequently asked questions, and more. Information is subject to change at any time.
Many travel insurance providers consider the coronavirus pandemic to be a known event, as they consider the pandemic to have a foreseeable impact on travel. As such, travel insurance coverage for COVID-19 and its impacts are limited. However some providers do not consider contracting an illness as a foreseen event, even during a global pandemic. In this case, Trip Cancellation and Emergency Medical benefits can still apply if a traveler contracts the virus or is physically quarantined. Travelers can search for policies that include coverage for contracting coronavirus.
For travelers with concerns not covered by a standard policy, including fear of traveling because of the coronavirus, the Cancel for Any Reason upgrade is the best option for cancellation coverage. This extensive coverage allows travelers to cancel their trip for any reason 2-3 days prior to departure and be reimbursed 75% of their insured trip cost. Travelers can search for policies that include Cancel for Any Reason.