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Pertaining to Swine Flu, the only way you can be sure that you won't lose money by being forced to cancel your trip is if you have a "Cancel For Any Reason" plan. click here to see the "Cancel For Any Reason" details.
One Swine Flu risk is that you're not sick, but the government won't let you travel.
Another is Swine Flu is everywhere and you're afraid to go to Wal-Mart. If this happens, you probably won't want to go on your trip either.
The only travel insurance plan that will cover you is a "Cancel For Any Reason / Change Your Mind" plan. |
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H1N1 Flu - Quarantine Coverage
In China: Just the CSA Freestyle, CSA Freestyle Luxe, Travel Insured, TravelSafe, Select & Max plans cover Quarantine in China (including Hong Kong) due to the H1N1 virus. The other plans exclude Quarantine in China because it is no longer "unforeseen" based on the U.S. State Department public announcement of June 19 and, therefore, no longer a covered reason for Trip Interruption coverage in China. Other than in China (see point above): All our plans will cover quarantine under trip cancellation/interruption and trip delay benefits in the event a physician or government official quarantines the traveler for any illness they have or have been exposed to which prevents traveling. Quarantine means: that the person is restricted to their home, a medical facility or any dwelling. Quarantine does not mean: that the person is restricted from traveling into a country or destination.
Other than if you have a "Cancel For Any Reason" plan, cancellation or interruption due to the concern of contracting the Swine Flu is not covered. This includes being afraid to travel. Cancellation or Interruption due to Sickness requires documentation by the attending physician. |
Travel Insurance Can Also Cover You 2 Ways:
Want the option of cancelling your trip (including if you don't feel safe)? Get a "Cancel For Any Reason" when you want the option of cancelling your trip for any reason including not wanting to travel because you're worried about getting sick. click here to see the "Cancel For Any Reason" details. You can change your dates of travel prior to your departure date. This means that if you want to postpone your trip, you won't forfeit your travel insurance. If your trip cost is the same, there's no extra cost nor refund due you. Important: changing travel dates means you are not making any kind of claim for your original trip. Filing a claim prevents you from changing your dates.
In addition, Travel Insured will cover your airline tickets if your travel supplier cancels its portion. This means if your cruise line, tour operator or resort cancels on you, Travel Insured will cover your airfare's cost. You have to insure 100% of your prepaid non-refundable trip cost.
Get a "Cancel For Any Reason" when you want the option of cancelling your trip for any reason including not wanting to travel because you're worried about getting sick, click here to see the details |
Q. What if I have already have Swine Flu, Noro Virus, Norwalk, Cruise Ship Sickness, SARS or Bird Flu or any other sickness or illness?
A. If you already have a sickness or illness, you need to be sure you get Pre-Existing Medical Conditions coverage. If you want to waive the pre-existing medical condition exclusion for cancellation, interruption & medical treatment, you have to fulfill these 4 requirements:
With these exceptions: CSA & TravelSafe, you have to insure at least your trip's full prepaid, non-refundable cost (you can't round it down). If you don't know your final trip cost, estimate it high to be safe. You can always lower to the correct trip cost prior to your departure date. If it drops you to a lower trip cost range, you'll get a partial refund. and The person with the medical condition has to be medically stable when you get your insurance and You must get your travel insurance in the first 14, 15, 21 or 30 days after your first trip payment date (Travelex Select, Travelex Max, Travel Guard, Travel Insured and TravelSafe) or no later than 24 Hours after you make your final Trip payment for CSA and You have to cover your trip's full length.
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Travelers worried about contracting SARS on the road may want to check their insurance. Steve Dasseos, who owns the online travel insurance company TripInsuranceStore.com, advises people to find out whether the illness would be covered under the medical portion of their policy, and also to familiarize themselves with exclusions, which can be numerous.
"To avoid any unpleasant surprises, people should definitely find out exactly what coverage the company they are considering will have for SARS," Dasseos said. |
More about Travel Insurance Exclusions
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PS - Even though TripInsuranceStore.com is world's the most informative travel insurance website, you are still responsible to know what's in your policy's Certificate of Coverage. Click here to get each plan's Certificate of Coverage.
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