Travel Guard Responds to Coverage Questions
Surrounding Swine Flu
Travelers who purchased a Travel Guard plan with the optional “Cancel for Any Reason” coverage can cancel their trip and receive the benefits outlined in the policy. The following questions and answers have been prepared to help you understand the typical coverage that may or may not be available for insured travelers who do not have the optional “Cancel for Any Reason” coverage.
Before answering a question in total, verify that the policy does have specific coverages.
1. If I would contract the swine flu, would I be covered for cancellation?
As long as the insurance was purchased before you contracted the disease, you would normally be covered for cancellation. Travel Guard would require a note from the doctor as verification. (Please confirm that policy has coverage for unforeseen illness.)
2. If I would contract the swine flu while on my trip, would I have coverage for medical expenses?
As long as the disease was contracted while on the trip, the insured would normally be covered. (Please confirm the coverage is available for the product.)
3. Would I have coverage for Trip Interruption if the area I am traveling to is quarantined by that country’s government?
Generally there is coverage under Trip Interruption, if you are specifically quarantined to an area because of possible contact with the swine flu.
4. Would I have coverage for Trip Delay if the area I am traveling to is quarantined by that country’s government?
Generally there is coverage under Trip Delay; if you were specially quarantined up to the maximum limits of the policy.
5. If I am afraid to Travel to a specific area because swine flu has been detected, will I have coverage for Trip Cancellation?
No, there is no coverage for fear of traveling to a specific region. Under Trip Cancellation, Travel Guard may provide coverage for reasons such as illness or injury, weather conditions, and traffic accidents.
Travel Guard generally does not provide coverage for government regulations or advisories to specific regions. Under Trip Cancellation, Travel Guard provides coverage for reasons such as illness or injury, weather conditions, and traffic accidents.
6. Would I have coverage for Trip Cancellation if the area I am traveling to is quarantined by that country’s government?
Generally, Travel Guard’s plans would not provide coverage for Trip Cancellation should that country’s government have quarantines due to the swine flu.
7. Would the possible “epidemic” be covered as a “Natural Disaster”?
The definition of “Natural Disaster” is flood, hurricane, earthquake, or blizzard that is due to natural causes. So, this would normally not be considered a “Natural Disaster”.
No matter where your clients are traveling, it is important they prepare for the unexpected. As a leader in travel safety, security and relevant travel information, Travel Guard is advising its customers to take precautions when traveling to areas recently affected by the swine flu outbreak. While in no way do we want to minimize the seriousness of this outbreak, our first concern is for customers to remember to take precautions, and as with any health advisory, be prepared, but not panicked.
For customers planning future travel, we advise them to call Travel Guard for periodic updates with respect to the destination to which they are traveling. For clients who are currently on a trip, we advise them to practice good health habits to help prevent the spread of germs, and contact Travel Guard immediately to coordinate medical care if they should start feeling sick: 1-800-826-1300.
We are continuing to monitor this situation and will continue to provide updates.