Coronavirus Virus Disease 19 (COVID-19) is the official name of the 2019/2020 coronavirus, as stated by the World Health Organization on Tuesday, February 11, 2020. Below, you will find coverage information regarding TravelSafe Insurance plans.
COVID-19 was officially declared a public emergency by the World Health Organization. While travel suppliers and airlines are trying to accommodate travelers, some delays and cancellations are inevitable. TravelSafe understands those with plans affected by the coronavirus will have questions about their coverage, and they are encouraged to call us 24/7 with any questions.
1. Common Questions
Are epidemics and/or pandemics excluded from coverage in TravelSafe plans? No. TravelSafe Insurance does not exclude epidemics and/or pandemics from coverage. However, most coverages require a triggering event to occur. Triggering events that may occur because of the coronavirus are discussed below for several coverages.
Is Cancel for Any Reason still available if I purchase a plan after February 11, 2020? Yes. Cancel for Any Reason is still available as an optional benefit for the TravelSafe Classic plan (not in NY).
When must I buy my plan to be eligible for Cancel For Any Reason?
Within 21 days of the date your initial trip deposit or payment is received for your trip.
When must I cancel my trip?
Two or more days before your scheduled departure date.
Do I still have the Trip Cancellation benefit in my plan if I buy Cancel for Any Reason?
Yes! We will always check to see if you are cancelling your trip for a covered reason under the Trip Cancellation benefit first! That way you are eligible to receive more than 75% of your nonrefundable, prepaid trip costs back.
2. The following are some general guidelines regarding the various coverages that may be available (items below are examples)
Trip Delay – Additional meal, local transportation and accommodation expenses may be reimbursed up to the amount provided by the plan if you have left home and travel is delayed 6 hours or more due to common carrier (such as airplane) delays or cancellations. Coverage may also apply due to quarantine. Additional covered reasons may apply. The dollar amount of coverage will be based on the plan you selected. Please refer to your plan documents for complete details.
Missed Connection – This benefit can reimburse unused land and water arrangements and additional transportation to catch up to the trip if you miss your cruise or tour departure because you are delayed for three hours or more by a covered reason. Covered reasons can include a three hour delay of a common carrier (such as an airplane), or if you are placed in quarantine due to the coronavirus. The dollar amount of coverage for Missed Connection will vary depending on the plan you purchased. For more details, please review your plan documents.
Trip Interruption – TravelSafe plans offer Trip Interruption coverage for your travel arrangements if they are disrupted and you must join your trip late, leave early, or return later than originally scheduled due to a covered reason. Depending on the TravelSafe plan, covered reasons to interrupt the trip can include: quarantine due to the coronavirus or a government-mandated shutdown of an airport or air traffic control system for reasons other than terrorism or an act of war. You may also be covered if you lose 50% or more of your scheduled trip duration due to quarantine because of the coronavirus or due to a common carrier (such as an airplane) delay. Trip Interruption bases the dollar amount of coverage on the amount of trip cost you insured on the plan. To be certain that you have this protection, please review your plan documents or call TravelSafe.
Trip Cancellation – TravelSafe plans offer Trip Cancellation of your trip if your arrival on the trip is delayed and causes you to lose 50% or more of the scheduled trip duration due to the reasons covered under the Missed Connection benefit. Covered reasons can include if you are quarantined and it results in you losing 50% or more of your scheduled trip duration or if a common carrier (such as an airplane) delay results in you losing 50% or more of your scheduled trip duration. The dollar amount of coverage is determined by the amount of trip cost you insured on the plan. Please read your plan documents for specific information.
This information is a general overview of coverages that may apply if travel plans are impacted by the coronavirus. The coverage available for your trip will be based on the terms in your travel protection plan. Additional terms apply to all coverages discussed. Additional coverages may be able to provide benefits. Please refer to your plan documents to learn more or contact TravelSafe with questions. Agents are available 24/7 and happy to help.
