How Does Travel Insurance Cover Swine Flu?

by Steve Dasseos, The Trip Insurance Guru on April 27, 2009

Before I get into the Travel Insurance & Swine Flu details, I hope and pray all the Swine Flu cases get under control quickly and that no one dies from this sickness.

As of 4:50 pm Central Time on 4/27/09, the US Centers for Disease Control and Prevention (CDC) has not classified this outbreak of Swine Flu as a pandemic. Get the lastest Swine Flu information on CDC’s website: www.cdc.gov/swineflu.

However, the WHO (World Health Organization) has raised its pandemic alert level.

How Does Travel Insurance Cover Swine Flu?

The key date is April 23, 2009:

  • If you had bought a travel / trip insurance policy before April 23, 2009 and you first contract Swine Flu while you’re on your trip, all of TripInsuranceStore.com‘s plans will cover you under the medical portion of your travel insurance policy provided you seek the initial treatment on your trip.
  • If you bought a travel / trip insurance policy after April 23, 2009 you will not be covered if you first contract Swine Flu on your trip because it’s not an unforeseen event.

The only exception is a “Cancel For Any Reason” plan:

You can 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.

The Travel Guard, Travel Insured and TravelSafe “Cancel For Any Reason” plan deadlines are within 14 days of the date you made your initial deposit / payment for your Trip. In addition, all plans require:

  1. You insure all prepaid Trip costs that are subject to cancellation penalties or restrictions and also insure within 7 days of the payment for those arrangements the cost of any subsequent arrangements (or any other subsequent arrangements not made through your travel agent) added to your Trip; and
  2. You are not disabled from travel at the time you pay your premium
  3. You cancel your Trip more more than more than fortyeight (48) hours prior to Your Scheduled Departure Date.

Are you, a family member or friend planning a cruise or trip? Here’s why you should come to TripInsuranceStore.com for your cruise, trip or travel insurance:

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