The Centers for Disease Control and Prevention (CDC) is closely monitoring developments with the coronavirus. The coronavirus was first reported on December 31, 2019 in Wuhan, China.
Countries in the affected regions, and areas with reported incidents, continue to be eligible destinations. Should travelers become ill with the coronavirus while traveling, coverage may be available for Emergency Medical, Medical Evacuation, or Trip Interruption.
Please keep in mind, The State Department’s decision to issue a travel advisory of level 4 for China, or any other country, does not trigger coverage, nor does a fear to travel due to the virus. However, there may be instances where the coronavirus may cause an individual to be quarantined and flights delayed. With this in mind there may be coverage including Trip Cancellation if a common carrier delay causes an insured to miss more than 50% of his or her trip. The coverage that could be implicated beyond Group Deluxe CFAR include the following:
Travel Delay - An insured traveler must be delayed for the time sensitive period while en route to, from, or during a trip due to a covered reason.
Missed Connection - If a delay causes you to miss a cruise or tour departure due to a covered reason, you may have coverage under Missed Connection. The delay must meet the time sensitive criteria listed in your plan.
The delay of a common carrier can be included as one of the covered reasons for Missed Connection. Thus, if a common carrier delay causes an insured to miss more than 50% of his or her trip, Trip Cancellation or Interruption coverage could apply.
Trip Cancellation and Interruption - An insured traveler must cancel or interrupt their trip due to a covered reason. One covered reason for Trip Cancellation or Interruption that could apply is quarantine. Another covered reason is if your arrival on the trip is delayed and causes you to lose 50% or more of your scheduled Trip duration, due to the reasons covered under the Missed Connection Benefit.
Cancel for Any Reason - Some travelers may prefer to cancel their trip out of concern for the Coronavirus. For insured travelers who purchased Cancel for Any Reason coverage, we remind you that cancellations must be made 48 or more hours prior to scheduled departure and payment is limited to 75% of the non-refundable trip cost up to the stated plan maximum limit.
Every travel protection plan also includes Non-Insurance Emergency Travel Assistance Services available 24/7 to help travelers whenever they are in need of assistance during their trip.
This statement only provides a general summary. Please refer to your travel protection plan document for the terms and conditions of the specific plan purchased as eligibility for coverage varies based upon the specific plan terms, conditions and limitations, and may vary by state. Holy Travel recommends travelers purchase proper travel protection plans in case of unforeseen circumstances.
Please contact us at 1-844-772-7717 if you have any questions.
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