General Information

Provider Statements – Iceland’s Grimsvotn Volcanic Eruption

Last Updated:

Travel insurance providers release position statements to identify how coverage applies to current events. The Grimsvotn Volcanic Eruption in Iceland has many travelers asking how their policy works in this situation. The following are position statements from the travel insurance providers identifying what coverage is available:

Air Ambulance

Statement Issue Date 5/23/11

This will only impact Air Ambulance Card if an airport is closed delaying pickup of a hospitalized member in that location.

CSA Travel Protection

Statement Issue Date 5/23/11

Please note that at this time, the magnitude of the effect that this volcanic ash cloud may have on flight schedules throughout Europe and the world is unforeseeable. As this weather event develops further, it is important to keep in mind that future policies will not provide benefits for events and situations that are considered foreseeable at the time of purchase. If airport closures and flight cancellations are foreseeable for an individual traveler at the time they are purchasing, there will not be coverage for that event under their policy.

Global Alert

Statement Issue Date 5/24/11

May 21, 2011
Iceland Volcano Eruption

For policies underwritten by United States Fire Insurance Company:

If your policy was purchased May 20, 2011 or prior and your travel is affected by the volcanic eruption in Iceland, the following provides a brief summary of the coverage provided by your
policy. All benefits are subject to the maximum limits listed in the schedule of coverages. Please refer to the certificate of coverage for full details regarding the policy’s benefits, limitations, and exclusions.

  • Trip Cancellation/Trip Interruption – The policy provides a benefit in the event a trip is canceled or you must interrupt your trip because your common carrier ceases operations for at least 12 consecutive hours due to inclement weather; your trip destination becomes uninhabitable due to a natural disaster; or your arrival on your trip is delayed and causes you to lose 50% or more of your scheduled trip duration due to a delay of a common carrier or natural disaster. Benefits for Trip Cancellation may include reimbursement of the non-refundable trip costs insured under the policy. Trip Interruption benefits may include reimbursement of the unused portion of the land or water arrangements plus additional transportation expenses incurred either to join, catch up to, or return from the trip.
  • Missed Connection – The policy provides a benefit in the event your arrival on your trip is delayed 3 hours or more due to a delay of your common carrier or due to a natural disaster. Benefits may include reimbursement of the unused portion of your land or water arrangements and additional transportation costs to join your trip.
  • Travel Delay – The policy provides reimbursement for reasonable accommodations, meal, and local transportation if during your trip your travel is delayed for 8 hours or more due to a delay of your common carrier or due to natural disaster.
  • Medical and Medical Evacuation – If you are traveling in Iceland and have been injured, please contact the assistance company, One Call, for assistance by calling collect to 1-603-894-4710. The policy provides reimbursement on an excess basis for medical expenses incurred due to injury. It also provides evacuation to the nearest adequate medical facility for treatment and medically appropriate transportation home. For travelers in Iceland with an effective date on or after May 20, 2011, medical and medical evacuation benefits may still be available if your sickness or injury occurred after the date your coverage became effective.
  • Non-Medical Emergency Evacuation – The policy provides reimbursement for reasonable transportation to the nearest place of safety or to your home in the event of a natural disaster. The evacuation must occur within 10 days of the event, and the arrangements must be made by One Call. Please call 1-603-894-4710 collect for assistance.

Global Rescue

No statement provided.

HCC Medical Insurance Services

No statement provided.

HTH Worldwide

Statement Issue Date 5/23/11

Please note that at this time, the magnitude of the effect that this volcanic ash cloud may have on flight schedules throughout Europe and the world is unforeseeable.  As this weather event develops further, it is important to keep in mind that future policies will not provide benefits for events and situations that are considered foreseeable at the time of purchase.  If airport closures and flight cancellations are foreseeable for an individual traveler at the time they are purchasing, there will not be coverage for that event under their policy.  HTH will continue to monitor this weather event as it develops, and will issue any additional statements if necessary.

HTH Administration services considers the volcanic ash cloud from the Grimsvotn volcano to be adverse or inclement weather. Some HTH Travel Protection plans offer benefits for some effects of adverse or inclement weather. Customers are strongly encouraged to refer to their Certificate of Insurance or Insurance Policy for details regarding their individual coverage.  Please contact HTH Administration with questions.

IMG

No statement provided.

iTravelInsured

Statement Issue Date 5/24/11

As the dense ash cloud from Iceland’s Grimsvotn volcano moves toward Scotland, there are rising fears of air travel disruption and a repeat of last year’s event that stranded millions of passengers. Although many authorities believe travel disruptions will be less serious, iTravelInsured®, Inc. (iTI®), remains on alert.

According to iTI, if one of its plans is purchased prior to a volcano eruption, and a covered trip is effective, the following benefits are provided:

1. Trip Cancellation/Interruption – “… Natural Disasters or bad weather resulting in the complete cessation of services by a Travel Supplier for at least 24 consecutive hours.”
2. Travel Delay – must be caused by:
a. Travel Supplier delay;
b. Natural disaster

“Volcanic activity of this magnitude is pretty rare, but you just don’t know what can happen when you are traveling,” said Bill Dismore, Executive Vice President of iTI. “By offering programs that safeguard their clients’ travels, and provide them access to top-tier services and a 24 hour clinical staff experienced in medical management, travel agents can easily help their clients plan for an unexpected illness or injury, and provide peace of mind.”

Medjet Assist

No statement provided.

MH Ross

Statement Issue Date 5/24/11

May 21, 2011
Iceland Volcano Eruption

For policies underwritten by United States Fire Insurance Company:

If your policy was purchased May 20, 2011 or prior and your travel is affected by the volcanic
eruption in Iceland, the following provides a brief summary of the coverage provided by your
policy. All benefits are subject to the maximum limits listed in the schedule of coverages. Please
refer to the certificate of coverage for full details regarding the policy’s benefits, limitations, and
exclusions.

  • Trip Cancellation/Trip Interruption – The policy provides a benefit in the event a trip is canceled or you must interrupt your trip because your common carrier ceases operations for at least 12 consecutive hours due to inclement weather; your trip destination becomes uninhabitable due to a natural disaster; or your arrival on your trip is delayed and causes you to lose 50% or more of your scheduled trip duration due to a delay of a common carrier or natural disaster. Benefits for Trip Cancellation may include reimbursement of the non-refundable trip costs insured under the policy. Trip Interruption benefits may include reimbursement of the unused portion of the land or water arrangements plus additional transportation expenses incurred either to join, catch up to, or return from the trip.
  • Missed Connection – The policy provides a benefit in the event your arrival on your trip is delayed 3 hours or more due to a delay of your common carrier or due to a natural disaster. Benefits may include reimbursement of the unused portion of your land or water arrangements and additional transportation costs to join your trip.
  • Travel Delay – The policy provides reimbursement for reasonable accommodations, meal, and local transportation if during your trip your travel is delayed for 8 hours or more due to a delay of your common carrier or due to natural disaster.
  • Medical and Medical Evacuation – If you are traveling in Iceland and have been injured, please contact the assistance company, One Call, for assistance by calling collect to 1-603-894-4710. The policy provides reimbursement on an excess basis for medical expenses incurred due to injury. It also provides evacuation to the nearest adequate medical facility for treatment and medically appropriate transportation home. For travelers in Iceland with an effective date on or after May 20, 2011, medical and medical evacuation benefits may still be available if your sickness or injury occurred after the date your coverage became effective.
  • Non-Medical Emergency Evacuation – The policy provides reimbursement for reasonable transportation to the nearest place of safety or to your home in the event of a natural disaster. The evacuation must occur within 10 days of the event, and the arrangements must be made by One Call. Please call 1-603-894-4710 collect for assistance.

Seven Corners

Updated Statement Issue Date 6/1/11

As of June 1, coverage for the Grimsvotn Iceland volcano is opened for new sales.

Statement Issue 5/25/11

Any cancellations or delays due to the eruption of the Iceland volcano will have coverage under “weather event.” Plans purchased on or before May 20, 2011 will have coverage.  Any plans that are purchased after May 21st will not be covered for this specific event.

Travel Guard

Updated Statement Issue Date 5/31/11

May 31, 2011, Stevens Point, WI — Travel Guard North America’s core plans (Platinum, Gold, Silver, My Travel Guard, Basic and other select plans) include coverage for trip cancellation, interruption and delay in the event of a natural disaster or inclement weather.

The ash cloud that has caused numerous flights to be cancelled due to the eruption of the Grimsvotn volcano eruption in Iceland on May 22, 2011 is generally covered as Inclement Weather provided the plan was purchased on or before 5/21/11.

Any new eruption which causes flights to be cancelled would be considered a new event under Travel Guard Group Inc. USA (Travel Guard)’s U.S. policies. Coverage would be administered according to the product purchased (based on limits and exclusions).

Insured customers should contact Travel Guard’s World Service Center 24/7/365 at 800-826-1300 with additional questions as coverage and benefits vary by product.  All coverages are subject to policy terms, conditions and limitations.

Statement Issue Date 5/25/11

May 25, 2011, Stevens Point, WI — Travel Guard North America’s core plans (Platinum, Gold, Silver, My Travel Guard, Basic and other select plans) include coverage for trip cancellation, interruption and delay in the event of a natural disaster or inclement weather. Insurance would have had to have been purchased on or before 5/21/11 for coverage to apply. All coverages are subject to policy terms, conditions and limitations.

Additionally, Travel Guard North America offers all its customers affected by ash-related delays emergency travel assistance services including flight rebooking, hotel booking, cash wire transfers, passport replacement, translation services, message relay, emergency travel arrangements and more.

Insured customers seeking assistance can contact Travel Guard’s World Service Center 24/7/365 at 800-826-1300.

Travel Insurance Services

No statement provided.

Travel Insured International

Statement Issue Date 5/23/11

Ash from an erupting Icelandic volcano that has already grounded planes locally could enter UK airspace by Tuesday, forecasters have warned. The Grimsvotn volcano began erupting on Sunday, causing flights to be cancelled at Iceland’s main Keflavik airport after it sent a plume of ash smoke and steam 12 miles into the air.

However experts said the eruption was unlikely to have the dramatic effect that the Eyjafjallajokull volcano had in April last year, when flights were cancelled over the UK and much of Europe for several days.

As of Sunday May 22, 2011, this volcanic eruption is no longer unforeseen. For policies purchased on or after May 22, 2011, there is no coverage.

Travel Insured considers the ash cloud generated from this volcanic event to be adverse or inclement weather. Certain Travel Insured plans offer benefits for some effects of adverse weather. Customers are strongly encouraged to read their Certificate of Insurance or Insurance Policy for details regarding their available coverage.

Travel Insured offers all of our customers’ immediate access to our Assistance Services for emergency travel arrangements and concierge service. Call toll free in the continental U.S. 1-800-494-9907 or collect 1-603-328-1707 for assistance with alternate travel arrangements or any of your other personal assistance needs.

Travel Insured is closely monitoring the situation. We advise our customers to change/adjust their travel schedules as best they can. Airlines are generally refunding the cost of tickets that cannot be
used, or will rebook flights when possible. Some hotels and tour operators will refund their fees if the customer is unable to travel to their destination. The airport situation may change quickly, so please continue to check with your airline and with us at Travel Insured at 1-800-243-3174.

Travel Insured International is based in East Hartford, Connecticut. Coverage is underwritten by Arch Insurance Company (a Missouri corporation, NAIC #11150) with offices located in Jersey City, NJ. Not all insurance products or coverage are available in all jurisdictions. Coverage is subject to actual policy language.

Travelex

Statement Issue Date 5/24/11

Coverage for Travel Basic, Travel Select, Travel Select Advantage and Travel Max

Another volcano spreads ash, smoke and steam causing travel disruptions yet again in the Iceland area. Volcano Grimsvotn, provided a larger eruption, but left much less impact than the historic eruption of Eyjafjallajokull just over a year ago.

The full extent of what Grimsvotn will bring is still unknown, but it is predicted some travel disruptions may occur later this week.

For travelers who purchased a Travelex protection plan on or before May 20, 2011; coverage is specifically considered in the following areas. Please review your plan certificate for additional
benefits, terms and conditions, as well as all policy exclusions.

Trip Cancellation / Trip Interruption Coverage

  • Accommodations at destination are rendered uninhabitable due to a natural disaster
  • Weather causing a cessation of common carrier services for at least 24 hours.
  • Delayed arrival due to a covered reason causing 50% or more of the covered trip to be missed.
  • Travel Supplier cancels the trip due to these conditions; traveler may be reimbursed for the reissue fee charged by the airline, up to the maximum benefit amount as stated in the Certificate of Insurance.
  • Called to the emergency service of the government, as a member of the military to assist in the aftermath of the natural disaster.
  • If purchased, Cancel for Any Reason can provide a portion of trip cost back to traveler provided they meet the individual requirements of this benefit.

Trip Delay Coverage

  • Delayed while en route to or from final destination for at least 5 hours or more due to the covered reason, such as a delay of common carrier or due to a natural disaster.

Emergency Medical Coverage

  • For travelers affected by the events while traveling in these areas, coverage is provided for expenses incurred as a result of emergency medical treatment and/or emergency medical evacuation, if necessary.

24 Hour Travel Assistance Services

  • Travelers may receive assistance ranging from emergency travel arrangements and money transfers to message relay services. For emergencies or travel assistance, please call On Call International at:  Toll Free: 1-866-930-9806 (US or Canada)  Collect: 1-603-328-1965 (all other countries)

Coverage for TraveLite and Travel Plus

Another volcano spreads ash, smoke and steam causing travel disruptions yet again in the Iceland area. Volcano Grimsvotn, provided a larger eruption, but left much less impact than the historic eruption of Eyjafjallajokull just over a year ago.

The full extent of what Grimsvotn will bring is still unknown, but it is predicted some travel disruptions may occur later this week.

For travelers who purchased a Travelex protection plan on or before May 20, 2011; coverage is specifically considered in the following areas. Please review your plan certificate for additional benefits, terms and conditions, as well as all policy exclusions.

Trip Cancellation / Trip Interruption Coverage

  • Accommodations at destination are rendered uninhabitable due to a natural disaster.
  • Weather causing a cessation of common carrier services for at least 24 hours.
  • Delayed arrival due to a covered reason causing 50% or more of the covered trip to be missed.
  • Called to the emergency service of the government, to assist in the aftermath of the natural disaster.
  • Travel Supplier cancels the trip due to these conditions; traveler may be reimbursed for the reissue fee charged by the airline, up to the maximum benefit amount as stated in the Evidence of Coverage.
  • If purchased, the All Events upgrade can provide a portion of trip cost back to traveler provided they meet the individual requirements of this benefit.

Trip Delay / Missed Connection Coverage

  • Delayed for at least 5 hours or more or a missed connection while en route to or from final destination due to an unforeseen covered reason, such as a delay of common carrier or due to a natural disaster.

Itinerary Change Coverage

  • Travel Supplier makes a change to the covered trip itinerary after the scheduled departure date and the traveler is unable to participate in a separately booked event; traveler may be reimbursed up to the maximum benefit amount for the unused, prepaid, non-refundable expense of the event/activity.

Emergency Medical Coverage

  • For travelers affected by the events while traveling in these areas, coverage is provided for expenses incurred as a result of emergency medical treatment and/or emergency medical evacuation, if necessary.

24 Hour Travel Assistance Services

  • Travelers may receive assistance ranging from emergency travel arrangements and money transfers to message relay services. For emergencies or travel assistance, please call our travel assistance provider at: Toll Free: 1-866-866-8155 (US or Canada) Collect: 1-240-330-1532 (all other countries)

Travel Safe

Statement Issue Date 5/24/11

May 21, 2011
Iceland Volcano Eruption

For policies underwritten by United States Fire Insurance Company:

If your policy was purchased May 20, 2011 or prior and your travel is affected by the volcanic eruption in Iceland, the following provides a brief summary of the coverage provided by your
policy. All benefits are subject to the maximum limits listed in the schedule of coverages. Please refer to the certificate of coverage for full details regarding the policy’s benefits, limitations, and exclusions.

  • Trip Cancellation/Trip Interruption – The policy provides a benefit in the event a trip is canceled or you must interrupt your trip because your common carrier ceases operations for at least 12 consecutive hours due to inclement weather; your trip destination becomes uninhabitable due to a natural disaster; or your arrival on your trip is delayed and causes you to lose 50% or more of your scheduled trip duration due to a delay of a common carrier or natural disaster. Benefits for Trip Cancellation may include reimbursement of the non-refundable trip costs insured under the policy. Trip Interruption benefits may include reimbursement of the unused portion of the land or water arrangements plus additional transportation expenses incurred either to join, catch up to, or return from the trip.
  • Missed Connection – The policy provides a benefit in the event your arrival on your trip is delayed 3 hours or more due to a delay of your common carrier or due to a natural disaster. Benefits may include reimbursement of the unused portion of your land or water arrangements and additional transportation costs to join your trip.
  • Travel Delay – The policy provides reimbursement for reasonable accommodations, meal, and local transportation if during your trip your travel is delayed for 8 hours or more due to a delay of your common carrier or due to natural disaster.
  • Medical and Medical Evacuation – If you are traveling in Iceland and have been injured, please contact the assistance company, One Call, for assistance by calling collect to 1-603-894-4710. The policy provides reimbursement on an excess basis for medical expenses incurred due to injury. It also provides evacuation to the nearest adequate medical facility for treatment and medically appropriate transportation home. For travelers in Iceland with an effective date on or after May 20, 2011, medical and medical evacuation benefits may still be available if your sickness or injury occurred after the date your coverage became effective.
  • Non-Medical Emergency Evacuation – The policy provides reimbursement for reasonable transportation to the nearest place of safety or to your home in the event of a natural disaster. The evacuation must occur within 10 days of the event, and the arrangements must be made by One Call. Please call 1-603-894-4710 collect for assistance.

USA Assist

Statement Issue Date 5/24/11

USA-ASSIST will pay benefits under GlobalTrip and RoundTrip plans for “Trip Delay” and “Missed Connection”.  USA-ASSIST policy wordings do not state a time limitation for these benefits, but a maximum limit amount.  USA-ASSIST will reimburse non-refundable expenses due to “Trip Delay” and “Missed Connection” for the amount of USD 150.- per day/per insured with a maximum limit of USD 500.- per insured for the policy period dependently of the present or a new volcano eruption.

These benefits will apply in case of any Grimsvotn volcano eruption for the policies purchased on or before May 21, 2011 only. For policies purchased after that date, as the eruption is no longer an unforeseen event, the benefits are not applicable.

In the case of a covered benefit triggered before the policy expiration date, benefits are payable until the Insure is able to fly back home or when the maximum limit is consumed.  The rest of the benefits will no longer be in force after expiration date.