Kasara Barto, a spokeswoman for Squaremouth, a travel insurance comparison site, said the company has received numerous calls from travelers who are concerned about upcoming trips.
Among their top questions: Can I get insurance that would allow me to cancel a trip if the virus spreads and I’m afraid to travel?
Unfortunately, she said, typical trip-cancellation insurance policies reimburse travelers who cancel for a very select, specific group of reasons: a traveler or companion is sick, a natural disaster or terrorist renders a destination uninhabitable, the bankruptcy of a travel provider.
“A viral outbreak doesn’t fall under the standard reasons to cancel,” she said. She added that some policies do cover travel alerts from the Centers for Disease Control and Prevention, like the one issued last week warning against nonessential travel to China. However, those policies would have had to be purchased before the alert was issued, otherwise it’s considered a foreseen event.
“This is such a rare event and most policies aren’t written to include viral outbreaks,” she said.
She recommends concerned travelers consider cancel-for-any-reason insurance, which can be much more expensive than other policies, but gives travelers the broadest coverage. Cancel-for-any-reason insurance, however, typically has to be purchased within three weeks of booking a trip.
Read the full Cleveland.com article online here: https://www.cleveland.com/business/2020/02/coronavirus-spread-forcing-trip-cancellations-questions-about-travel-insurance.html