Go Back  Fodor's Travel Talk Forums > Destinations > Asia
Reload this Page >

Travel insurance in light of the Coronavirus

Travel insurance in light of the Coronavirus

Old Jan 30th, 2020, 06:29 AM
  #1  
Original Poster
 
Join Date: Jan 2003
Posts: 4,157
Travel insurance in light of the Coronavirus

As I wrote in my comments on the Coronavirus virus thread that ibobi started, most travel insurance does not cover cancellation due to the coronavirus. Generally speaking, only "cancel for any reason" insurance will - but that is more expensive and, on average, will refund about 75% of money spent.

From "Insure My Trip":
Travel Insurance & the Coronavirus: What is Covered?
progol is online now  
Old Jan 30th, 2020, 05:22 PM
  #2  
kja
 
Join Date: Dec 2006
Posts: 22,779
Thanks for the heads-up, progol!
kja is offline  
Old Jan 31st, 2020, 03:37 AM
  #3  
 
Join Date: Jan 2003
Posts: 22,430
Is there a clause in any similar to terrorist activity - like if WHO or CDC recommends no travel to area?
gail is offline  
Old Jan 31st, 2020, 04:38 AM
  #4  
 
Join Date: Jun 2016
Posts: 3,488
Interesting. I have yet to buy trip insurance for the upcoming May trip. I'd better get on it. Jim bought all tickets with CSR so not sure about their policy.
Macross is online now  
Old Jan 31st, 2020, 05:27 AM
  #5  
Original Poster
 
Join Date: Jan 2003
Posts: 4,157
<<Is there a clause in any similar to terrorist activity - like if WHO or CDC recommends no travel to area?>>

Terrorist activity appears to be covered in general travel insurance, but "epidemics" are not.

I will find out later today if there is a change with my CC insurance since the state advisory for all China has been increased to Level 4. I did get a refund with a modest cancellation fee from Cathay Pacific, so I'm not upset if there isn't any additional refunds. But now that the gov't is saying we can't go, I wonder if there is a change.
progol is online now  
Old Feb 2nd, 2020, 02:49 PM
  #6  
 
Join Date: Jan 2003
Posts: 15,806
I don't understand why the insurance company would change its policy, esp. considering that (I think you said) they don't cover epidemcs.

What does matter is the Cathay Pacific policy which, if I read it correctly, now allows full reunds:
https://www.cathaypacific.com/cx/en_...and-china.html

Maybe you can get that cancel fee back.
mrwunrfl is offline  
Old Feb 3rd, 2020, 04:14 AM
  #7  
Original Poster
 
Join Date: Jan 2003
Posts: 4,157
mrwunrfl, i didn’t say anything about insurance policies changing. I just reported what I read in the policies about what was covered. Typically, epidemics are not covered. I didn’t see any reference to CDC alerts and whether or not this affects coverage.

As of now, Cathay Pacific will refund 100% for travel to China mainland through the end of March. We were flying into HK on March 28 and then going to the mainland on April 3. We got most of our money back with a modest cancellation fee. I can live with this.
progol is online now  
Old Feb 4th, 2020, 10:56 PM
  #8  
kja
 
Join Date: Dec 2006
Posts: 22,779
FYI: As most of you know, travel insurance depends on lots of things, including where one is going, for how long, with what prepaid expenses, and with what (if any) pre-existing medical conditions. So take this following information as just one bit of information to consider if looking into the issue!

I've been exploring options for trip insurance to cover a trip to Laos & Cambodia (click on my name to see my planning thread and scroll down to near the end for the latest iteration of my plan), so I spent some time with an InsureMyTrip agent this evening. For my conditions, she indicated that Nationwide and HHC Atlas were the only companies that include coverage should CDC declare a health emergency. That is consistent with the research I've conducted so far -- but note that I haven't conducted a comprehensive search, and again, what companies provide what services may vary with your plans. Just as one example, it seems that Nationwide won't work for me because I'll be away just a few too many days. And the agent declined to say that other policies would NOT cover trip cancellation if CDC declares an emergency -- she was only speaking to the actual terms of the policies that would otherwise be available to me.

Just thought I'd post this information in case it proves useful to anyone.

Bottom line as I see it: Ask relevant questions! If you are seeking insurance for an upcoming trip, make sure you know what you think you want or need and talk to someone at insuremytrip or squaremouth for more information, followed (of course) by discussions with the insurance companies about the policies you are considering.

And as I've often said, make sure you at least consider whether you need emergency medical coverage and/or medical evacuation coverage (and if so, for either, at what level) and/or whether you need coverage for repatriation of remains.

If any of you have further input about what coverage issues I might want to consider, please chime in! I expect to book my flights and lock in my insurance within the next couple of days.

Thanks again, progol, for staring this thread.
kja is offline  
Old Feb 6th, 2020, 12:46 PM
  #9  
 
Join Date: Jan 2003
Posts: 4,248
Received this yesterday:

Please be aware that due to restrictions resulting from the Coronavirus, we regret that MedjetAssist and MedjetHorizon services must be suspended in the following countries:
  • China
  • Hong Kong
  • Taiwan
  • Macau
Marija is online now  
Old Feb 6th, 2020, 04:43 PM
  #10  
kja
 
Join Date: Dec 2006
Posts: 22,779
@ Marija: Interesting! Thanks.
kja is offline  
Old Feb 7th, 2020, 04:12 AM
  #11  
Original Poster
 
Join Date: Jan 2003
Posts: 4,157
kja, thanks for the thank you! And you’ve found out some interesting info about coverage limits, too.

Marija, thanks for the info. What an unbelievable situation.
progol is online now  
Old Feb 12th, 2020, 07:28 PM
  #12  
kja
 
Join Date: Dec 2006
Posts: 22,779
Oops -- should have been HCC upthread, or more exactly, Atlas Insurance through Tokio Marine HCC Medical Insurance.
kja is offline  
Old Feb 13th, 2020, 04:22 AM
  #13  
Original Poster
 
Join Date: Jan 2003
Posts: 4,157
Originally Posted by kja View Post
Oops -- should have been HCC upthread, or more exactly, Atlas Insurance through Tokio Marine HCC Medical Insurance.
kja, just for understanding, would this policy refund expenses if you canceled a trip prior to departure if there is a CDC warning in place for an epidemic or pandemic? Iím curious (though I hope we all never have to face this situation again!).
progol is online now  
Old Feb 13th, 2020, 05:38 PM
  #14  
kja
 
Join Date: Dec 2006
Posts: 22,779
I can't believe I would be covered if a CDC warning been issued PRIOR to purchase of the insurance or any of the things for which one is seeking insurance, but my understanding is that the policies I mentioned (and the one I purchased!) will reimburse me for all of the valid expenses I included in the policy if CDC issues a warning for the country(s) I plan to visit after I purchased the insurance and before the trip starts. And if the CDC warning is issued while I'm traveling, I would be covered under its travel interruption clause. But policies change, and terms differ with various things that are beyond my comprehension, so you should always check before leaping!

And yes, lets hope that NONE of us have to face similar problems in the future. IMO, you've come up with a nice alternative.
kja is offline  
Old Feb 14th, 2020, 05:07 AM
  #15  
Original Poster
 
Join Date: Jan 2003
Posts: 4,157
Thanks for your comments about the insurance, kja. Of course, I hope no one would buy any tickets after a strict CDC warning was issued! But it’s good to know that there are insurance options for situations such as exist now. But I would’ve never known to ask about this problem when I first started planning!

Thank you, too, for the thoughts about my alternative plan - I agree, it should be very nice!
progol is online now  
Related Topics
Thread
Original Poster
Forum
Replies
Last Post
ibobi
Asia
59
Feb 20th, 2020 11:07 AM

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are On


Thread Tools
Search this Thread

Contact Us - Archive - Advertising - Cookie Policy - Do Not Sell My Personal Information

FODOR'S VIDEO