Trip insurance and the coronavirus: Here’s what you need to know
We’ll give you the bad news first: Your current insurance plan probably won’t reimburse you for coronavirus-related travel mishaps. This holds true whether your plan is included with your credit card, or was purchased from a third-party underwriter.
Unless specifically stated otherwise, most insurance providers consider COVID-19 to be a “foreseen event,” according to insurance company Squaremouth. Once an event is foreseen, travelers can no longer purchase trip cancellation insurance benefits.
While it’s true that trip insurance covers illness and emergency evacuations, the coronavirus epidemic does not fall under the qualifying criteria unless you personally have been diagnosed with the coronavirus, which falls under the typical clauses on illness.
Travel insurance doesn’t cover cancellations from airlines, restricted country entrance guidelines based on coronavirus-related border closures or many of the new reasons why you might not be able to complete a trip as planned.
Standard plan coverage includes accidental bodily injury; loss of life or sickness; severe weather; terrorist action or hijacking; and jury duty or a court subpoena that cannot be postponed or waived. In other words, if you aren’t sick, you won’t be reimbursed for canceled flights that leave you stranded, hotel bookings you have to abandon or even alternative transportation you have to purchase last-minute.
Some airlines now offer free coronavirus coverage — but even if you qualify, your coverage and benefits are often quite limited.
Read the full The Points Guy article online here: https://thepointsguy.com/guide/independent-travel-insurance/