What is Cancel for Covid-19 Sickness travel insurance?

Cancel for Covid-19 Sickness can provide reimbursement for prepaid and non-refundable trip payments if a trip is canceled or interrupted due to a traveler contracting the virus.

Cancel for Covid-19 Sickness is included within some policies under the Trip Cancellation and Trip Interruption benefits. In order for coverage to be available, the traveler must be healthy when they purchase their policy.

In the event a traveler contracts Covid-19 before their scheduled departure date, Cancel for Covid-19 Sickness can reimburse 100% of their prepaid and non-refundable trip expenses. If the traveler contracts the virus during their trip, this benefit can reimburse their unused trip expenses, as well as additional transportation expenses they incur to return home.

Please note, Cancel for Covid-19 Sickness coverage may not be available within all Trip Cancellation policies. When this benefit is not available, we recommend a policy with the Cancel For Any Reason upgrade. Cancel For Any Reason can cover travelers who cancel their trip for a reason that is not covered by their policy. Visit our Cancel For Any Reason benefit page for more information about this coverage.

For more information about coverage related to Covid-19, view Squaremouth’s Covid-19 Travel Insurance resource.

What does Cancel for Covid-19 Sickness cover?

Cancel for Covid-19 Sickness can cover travelers who contract Covid-19 and need to cancel their trip. This benefit can reimburse travelers for 100% of their prepaid, non-refundable trip expenses, including flights, hotel accommodations, tours, tickets, and excursions.

What information does a traveler need to provide if they file a claim for Covid-19 sickness?

In order to be covered, travelers will need to show proof that they contracted Covid-19 and had to cancel their trip in its entirety. A PCR test with the date, results, and doctor’s information is typically sufficient to activate this benefit. In some cases, travelers will also need to provide a letter from a physician showing that they tested positive for Covid-19.

Travelers also need to provide proof of cancellation and receipts for all of their financial losses.

Can a traveler cancel their trip if they’re exposed to Covid-19?

Trip Cancellation coverage does not provide reimbursement for canceling a trip because of exposure to Covid-19. Only travelers who have a positive Covid-19 test before departure can be covered by this benefit to cancel their trip. If travelers are concerned about being exposed to Covid-19, a policy with Cancel For Any Reason can provide coverage for most reasons that are not otherwise covered. These reasons can include exposure to Covid-19, as well as other reasons such as fear of traveling or a border closure. Cancel For Any Reason offers the most possible flexibility for travelers.

What happens if a traveler contracts Covid-19 after they’ve left for their trip?

Most comprehensive cancellation policies offer both the Trip Cancellation and Trip Interruption benefits. Once a traveler departs their home, Trip Cancellation coverage no longer applies, however Trip Interruption can provide similar coverage for travelers during their trip.

If a traveler contracts Covid-19 after they depart, the Trip Interruption benefit can reimburse travelers between 100-200% of their unused prepaid, non-refundable trip costs, depending on the policy. In addition to unused trip costs, this benefit can also include coverage for additional transportation expenses a traveler incurs to return home.

Please be aware that coverage and eligibility requirements for this benefit differ by policy. The tables below show the providers that offer Cancel for Covid-19 Sickness coverage.

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Cancel for Covid-19 Sickness by Provider

Last Updated: 07/17/2024
Aegis Aegis
Policy Name and Summary of Coverage
1

Go Ready Trip Cancellation

Included in Trip Cancellation

Included in Trip Cancellation coverage.

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2

Go Ready Choice

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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3

Go Ready Pandemic Plus

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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Arch RoamRight Arch RoamRight
Policy Name and Summary of Coverage
4

Pro

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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5

Pro Plus

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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AXA Assistance USA AXA Assistance USA
Policy Name and Summary of Coverage
6

Silver

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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7

Gold

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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8

Platinum

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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battleface battleface
Policy Name and Summary of Coverage
9

Discovery Plan

Included in Trip Cancellation

Included in Trip Cancellation coverage.

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Berkshire Hathaway Travel Protection Berkshire Hathaway Travel Protection
Policy Name and Summary of Coverage
10

ExactCare

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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11

ExactCare

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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12

ExactCare Value

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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13

ExactCare Value

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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14

LuxuryCare

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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15

LuxuryCare

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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16

ExactCare Lite

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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17

ExactCare Lite

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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Cat 70 Cat 70
Policy Name and Summary of Coverage
18

Travel Plan

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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Detour Insurance Detour Insurance
Policy Name and Summary of Coverage
19

@the edge

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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20

@the edge plus

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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HTH Travel Insurance HTH Travel Insurance
Policy Name and Summary of Coverage
21

TripProtector Preferred

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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22

TripProtector Economy

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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23

TripProtector Classic

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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IMG IMG
Policy Name and Summary of Coverage
24

iTravelInsured Travel Lite

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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25

iTravelInsured Travel SE

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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26

iTravelInsured Travel LX Basic

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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27

iTravelInsured Travel Sport

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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28

iTravelInsured Travel Essential

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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John Hancock Insurance Agency, Inc. John Hancock Insurance Agency, Inc.
Policy Name and Summary of Coverage
29

Bronze

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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30

Silver

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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31

Gold

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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Nationwide Mutual Insurance Company Nationwide Mutual Insurance Company
Policy Name and Summary of Coverage
32

Essential

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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33

Prime

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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34

Cruise Universal

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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35

Cruise Choice

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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36

Cruise Luxury

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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Seven Corners Seven Corners
Policy Name and Summary of Coverage
37

Trip Protection Choice

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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38

Trip Protection Economy

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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39

Trip Protection Elite

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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40

Trip Protection Basic

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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Tin Leg Tin Leg
Policy Name and Summary of Coverage
41

Economy

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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42

Economy

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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43

Standard

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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44

Standard

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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45

Luxury

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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46

Luxury

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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47

Adventure

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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48

Adventure

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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49

Gold

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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50

Basic

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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51

Platinum

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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52

Silver

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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Travel Insured International Travel Insured International
Policy Name and Summary of Coverage
53

Worldwide Trip Protector Plus

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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54

Worldwide Trip Protector

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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55

Worldwide Trip Protector Edge

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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56

FlexiTrip

Included in Trip Cancellation & Interruption

TRIP CANCELLATION

If You cancel Your Trip prior to the Scheduled Departure Date, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, forfeited, prepaid non-refundable Payments or Deposits for the Travel Arrangements You purchased for Your Trip, provided the cancellation occurs while coverage is in effect for You and is due to any of the following covered Unforeseen reasons, as defined:

3. You or Your Traveling Companion must cancel Your Trip due to Other Covered Events as defined, provided such circumstances occur while coverage is in effect:

Other Covered Events means:

1. You or Your Traveling Companion have Complications of Pregnancy, which is verified by medical records and occurs after the Effective Date of coverage;

2. You or Your Traveling Companion are suffering a Mental, Nervous or Psychological condition or disorders which require Hospitalization or Partial Hospitalization. Hospitalization or Partial Hospitalization must be for at least 1 or more days before Your Scheduled Trip. A Physician must certify the condition as preventing You or Your Traveling Companion from: going on the Trip;

16. Your Host at Your Scheduled Destination being unable to provide Accommodations due to a life-threatening Sickness or Injury, or due to his/her death;

TRIP INTERRUPTION

If You must start Your Trip late or are unable to complete Your Trip, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited, prepaid non-refundable Payments or Deposits paid for the Travel Arrangements You purchased for Your Trip plus the Additional Transportation Cost paid to:

3. You or Your Traveling Companion must interrupt Your Trip due to Other Covered Events as defined, provided such circumstances occur while coverage is in effect:

Other Covered Events means:

1. You or Your Traveling Companion have Complications of Pregnancy which is verified by medical records and occurs while You or Your Traveling Companion are on Your Trip;

13. Your Host at Your Scheduled Destination being unable to provide Accommodations due to a life-threatening Sickness or Injury, or due to his/her death;

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Travelex Insurance Services Travelex Insurance Services
Policy Name and Summary of Coverage
57

Travel Basic

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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58

Travel Basic

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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59

Travel Select

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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60

Travel Select

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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Trawick International Trawick International
Policy Name and Summary of Coverage
61

Safe Travels Annual Deluxe

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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62

Safe Travels Annual Basic

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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63

Safe Travels Explorer

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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64

Safe Travels Journey

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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65

Safe Travels Voyager

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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66

Safe Travels Protect

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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67

Safe Travels Defend

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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68

Safe Travels Armor

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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USI Affinity Travel Insurance Services USI Affinity Travel Insurance Services
Policy Name and Summary of Coverage
69

Ruby

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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70

Diamond

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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WorldTrips WorldTrips
Policy Name and Summary of Coverage
71

Atlas Journey Economy

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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72

Atlas Journey Preferred

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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73

Atlas Journey Premier

Included in Trip Cancellation & Interruption

Included in Trip Cancellation and Interruption coverage.

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