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Travel insurance in light of the Coronavirus

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Travel insurance in light of the Coronavirus

Old Feb 26th, 2020, 06:06 PM
  #21  
kja
 
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Originally Posted by AJPeabody View Post
I wonder if any form of travel insurance would cover the cost of being healthy but trapped for 14 (or more) days in a quarantined hotel, ship, or town.
The policy I bought for a trip I'm still hoping to take this coming May covers me if a CDC warning is issued after I begin a trip (without regard to my health), and it does so with it's "trip interruption" clause. For me, that would provide a level of coverage that would pay for at least some of the costs of things I would have to cancel and things I would have to arrange; I have no idea what the full costs of quarantine would entail.
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Old Feb 26th, 2020, 09:35 PM
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Originally Posted by AJPeabody View Post
I wonder if any form of travel insurance would cover the cost of being healthy but trapped for 14 (or more) days in a quarantined hotel, ship, or town.
I have two policies. One attached to my bank account and one standalone annual policy. Both provide much the same, comprehensive, cover. Cancellation, curtailment due to ill heath (policy holder or close family), government travel advisories, Baggage, personal effects and money, medical expenses, travel disruption, personal injury, public liability - the list goes on ( and on!) . All cover is subject to limits of course and certain exclusions.

In the context of the current outbreak if I travelled and were hospitalised or my departure were delayed and there were no government advisories in place. I would be covered subject to the aforementioned limits and and excesses. As soon as an advisory is in place, if I traveled against that advice, I would NOT be covered if I did travel, but I WOULD would be covered for cancellation for flight and hotel expenses. if I were forced to go into quarantine, I would expect to be covered under the travel disruption cover.

clearly no underwriter is going to provide unlimited cover for all eventualities. All policies will have limits and things do evolve though. Terrorist activity was always included. In most policies it is now an optional extra. The same with disruption due to volcanic eruptions post Iceland. Maybe there will be changes To cover post corona virus?

Policies such as these are pretty much the norm in the U.K. and EU and the majority of travellers have such cover and this is in addition to the cover provided by the "package holiday " regulations which also provides quite significant protection. Many people when booking flights will also add in a couple of nights hotel Accomodation which triggers such protection just for that reason. The press and the FCO are constantly reminding travellers not to travel without insurance.

it seems as though the travel insurance market in the US is much more fragmented and less developed. Maybe that will change in the light of current events. Travel insurance is pretty cheap, at least on this side of the
pond, but maybe that too will change if insurers have to recoup the cost of a significant level of claims.
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Old Feb 27th, 2020, 06:00 AM
  #23  
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Originally Posted by kja View Post
The policy I bought for a trip I'm still hoping to take this coming May covers me if a CDC warning is issued after I begin a trip (without regard to my health), and it does so with it's "trip interruption" clause. For me, that would provide a level of coverage that would pay for at least some of the costs of things I would have to cancel and things I would have to arrange; I have no idea what the full costs of quarantine would entail.
kja, is the insurance only if you are actually going on the trip? That is, it would not cover cancellation in the event that coronavirus spreads to the region(s) you are traveling in, would it?
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And I just discovered that New York state does not even allow CFAR (Cancel for Any Reason) travel insurance! Travel insurance is very complex and getting more so due to the coronavirus!
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Old Feb 27th, 2020, 05:24 PM
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@ progol: If CDC issues a warning before I take the trip, I'm covered for cancellation. If CDC issues a warning while I'm on the trip, I'm covered for trip cancellation.

Honestly, trip insurance depends on a bunch of things -- where you live, where you are going, for how long, etc. Anyone who wants can check insuremytrip.
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Old Feb 27th, 2020, 08:25 PM
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(Oops! If CDC issues a warning before I take the trip, I'm covered for cancellation. If CDC issues a warning while I'm on the trip, I'm covered for trip interruption.)
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Old May 24th, 2020, 02:59 PM
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Who is your insurance with?
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Old Jun 9th, 2020, 11:20 PM
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Yea travel insurance is pretty useless in such case of a worldwide pandemic. If you have not embarked on your trip, you can actually request refund for your travel insurance. I did that for mine with FWD and got a full refund. Separately, cancelled my flights and accommodations individually and managed to get almost full refunds for them too.
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