Squaremouth, a comparison site for travel insurance policies, has a feature that allows you to search only for policies with CFAR coverage.
If you recently bought a travel insurance policy, you may be able to add “cancel for any reason” coverage. Again, this is a time-sensitive addition, and typically needs to be added within 14 to 21 days of your first trip payment.
If you didn’t buy “cancel for any reason” coverage, here are some travel insurance coverage types that might cover some expenses if the coronavirus affects your trip:
- Trip cancellation or trip interruption. Trip cancellation coverage may not apply if your travel insurance company is calling the coronavirus outbreak “a foreseen event.” If you bought your policy in late January or after, when the outbreak started, you may not be able to use trip cancellation coverage to cover cancellation due to the coronavirus. But you can use it if your trip is cancelled for other reasons covered by your policy.
- Medical expenses. You may have coverage if you contract the coronavirus while traveling, but it could depend on the date you purchased the policy and when the outbreak was considered “foreseen.” Travel insurance companies are handling this on a case-by-case basis.
- Travel delays and missed connections. You may have some insurance benefits, like food and accommodations, if the coronavirus outbreak affects your airline travel.
- If you want to postpone your trip to a future date, your travel insurance company might change the coverage dates for your policy.
If your travel insurance policy doesn’t fit your needs, you might be able to get a refund. Some travel insurance companies have a “free look” period, typically within 10 to 15 days of purchasing your travel insurance policy.
Read the full Forbes article online here: https://www.forbes.com/advisor/travel-insurance/guide/