Coronavirus (COVID-19) Outbreak and Travel Insurance—Important Information and FAQ’s for Vacation Rental Partners

Yes. If your guest received a voucher or credit based on previous payment for a booking that is being transferred to a new trip, the new trip can be covered by one of our travel protection plans.

We will accept a positive test result from a testing facility or a positive test result from an at-home test that meets certain requirements. Your guest does not need to have COVID-19 symptoms to qualify for coverage.

If your guest was scheduled to depart on their trip between January 29, 2020 and March 31, 2022, and they have not departed and will not travel or file a claim, they may be eligible for a travel insurance policy voucher to use at a later date. Your guest can apply for a voucher now even if they have not yet scheduled a new trip. Visit generalitravel.com/voucher for details.

Voucher eligibility:

• Original trip departure date is between January 29, 2020 - March 31, 2022
• Your guest must request a voucher by March 31, 2022
• Travel has not already taken place
• A claim has not already been filed against the policy
• Your guest waives their right to file a claim for loss arising out of their original trip date once a voucher is issued

For any plans that include Trip Cancellation coverage due to sickness, we are providing coverage if your guest, a family member, or a traveling companion gets sick with COVID-19 and they have to cancel their trip, provided plan requirements are met. However, most travel insurance plans can’t cover cancellations due to shelter in place orders, travel restrictions, or a guest’s fear of getting sick—including the fear of contracting COVID-19 while traveling.

If your guest's trip was scheduled to depart between January 29, 2020 and March 31, 2022 and they have not departed and will not travel, they may be eligible for a travel insurance policy voucher. Visit generalitravel.com/voucher for details.

For any plans that include coverage for losses due to sickness, we are providing coverage if your guest, a family member, or a traveling companion gets sick with COVID-19 and plan requirements are met. The naming of COVID-19 as a pandemic does not affect this coverage. Eligible coverages can include Trip Cancellation prior to their scheduled departure, and Trip Interruption, Travel Delay, Medical and Dental coverage and Emergency Assistance and Transportation coverage during their trip. Guests can currently purchase our insurance plans to receive coverage for unforeseen COVID-19 sickness. In addition, our plans include access to worldwide Travel Support services, which are available 24/7 should your guests need help while traveling. Many plans also include access to telemedicine services during their trip.

Some of our plans (including Ski & Mountain Travel Insurance and Seaside Coastal Travel Insurance) have a general exclusion for Pandemic and will not provide coverage for other losses due to COVID-19 that occur on or after 3/11/2020. This means coverage for other events related to the Coronavirus are unavailable if the insurance plan was purchased on or after January 29, 2020 or if the loss occurred on or after March 11, 2020, the date COVID-19 was formally declared a pandemic by the World Health Organization. Plan exclusions for a pandemic can vary according to your guest's state of residence and the plan they purchased.

For those plans that include Trip Interruption coverage, travel insurance can help cover your guest's pre-paid trip cost as well as additional transportation expenses if they get sick on their trip and can’t travel. Plans that include Medical and Dental and Emergency Assistance and Transportation can provide coverage if your guest needs to seek medical treatment or evacuation during their trip.

Travel insurance also gives your guests access to 24/7 Travel Support during their trip and certain plans include access to telemedicine services while traveling.

For their safety and for the safety of others, travelers who believe they may have contracted the virus should call our 24/7 Travel Support team who will coordinate local treatment on their behalf. Travelers should do what they can to remain isolated and our assistance team will make sure they reach the dedicated local health facility best equipped to treat the virus—in accordance with the respective national response plan.

Once they arrive at the proper facility, travelers should have the treating physician sign our dedicated physician statement advising that they weren’t able to travel. This statement should be included with their documents when submitting their claim

Please note that based on policy definitions, a “shelter in place” order is not considered a mandatory “Quarantine” and is not a covered event under our plans.

If your guest is diagnosed with Coronavirus or another sickness and is Quarantined they can be covered. Learn more

If your guest is Quarantined, but not sick, coverage depends on when they bought their plan and when the loss occurred. Coverage is unavailable if the insurance plan was purchased on or after January 29, 2020. For insurance plans that exclude pandemics, coverage is unavailable for losses occurred on or after March 11, 2020, the date COVID-19 was formally declared a pandemic by the World Health Organization. Plan exclusions for a pandemic can vary according to your guest's state of residence and the plan they purchased. For eligible plans that include coverage for mandatory Quarantine, coverage may be available. To review their coverage details, guests should see their Description of Coverage or Insurance Policy.

The short answer is yes. While Coronavirus coverage is limited due to the size of the outbreak and the length of time since it first became a known event, coverage for COVID-19 sickness is available. Our plans also include access to 24/7 Travel Support during their trip, which can help guests leave home with more peace of mind.

Additionally, guests who are rebooking for a later date are still facing risks that they would normally face when planning a trip. A travel insurance plan can be an essential safeguard for guests who are making sizable trip investments and would benefit from purchasing coverage for other events that could force them to cancel unexpectedly.

Travel insurance offers services that can help travelers while away from home. Many plans include access to telemedicine services if a guest gets sick while traveling and needs a virtual doctor visit. All plans include access to 24/7 Travel Support services during their trip.

Plans that include coverage for sickness can also help protect your guests and their trip costs if they get sick with COVID-19. Eligible coverages can include Trip Cancellation before their trip, and Trip Interruption, Travel Delay, Medical and Dental coverage and Emergency Assistance and Transportation coverage during their trip.

In addition, many of our travel insurance plans provide coverage for other common, domestic setbacks that your guests may encounter while traveling—such as travel delays due to adverse weather.

For any plans that include Medical and Dental coverage, coverage is available if an insured guest gets sick with COVID-19. In addition, our plans include access to Travel Support services, which are available 24/7 during your guest’s trip and certain plans include access to telemedicine services while traveling.

Generali Medical and Dental coverage is “in excess,” of your guests’ primary and secondary health insurance and while it may seem counterintuitive, in excess coverage can offer better value for travelers. Travelers make use of their primary and secondary coverages first, with in excess coverage picking up what is left over. In some cases, what’s left over may be the traveler’s full medical bill, while in others it may be copays or deductibles. Essentially, in excess coverage provides an added layer of protection on top of their primary or secondary coverage, rather than taking its place. Generali Medical and Dental coverage is not subject to copays or deductibles of any kind.

Coverage is available if your guest is sick with COVID-19. Please see a sample Description of Coverage or Policy for full details.

If your guest is diagnosed with Coronavirus or another sickness, they can be covered for certain additional unexpected expenses on their trip, such as lodging, provided the plan that your guest purchased includes Travel Delay coverage.

Most plans include “new vaccination requirements” as a covered reason for trip cancellation. If your guest's destination country announces and publishes a new vaccination requirement after they buy travel insurance, and they are medically unable to receive the vaccination, they can be reimbursed for their insured trip cost. This applies when vaccination is a requirement to enter the country, but not in the case of new quarantine rules for unvaccinated travelers.

If your guest is traveling with a child that is too young to receive the vaccination for COVID-19, pursuant to CDC guidelines, that would typically qualify as being medically unable to receive the vaccination.

To qualify for COVID-19 sickness coverage, your guest's at-home test must meet certain requirements:

• The test must be taken while Trip Cancellation coverage is in effect. Trip Cancellation coverage goes into effect at 12:01 a.m. the day after your guest purchases their plan.
• The test must be a viral test and have Emergency Use Authorization (EUA) from the U.S. Food and Drug Administration (FDA). You can view a list of approved nucleic acid amplification tests (NAAT) and a list of approved antigen tests.
• The testing must include a telehealth video call during which someone authorized by the manufacturer supervises the testing procedure in real time.
• The telehealth provider must issue a report confirming the patient’s identity, the name of the laboratory or healthcare entity, the type of test and the specimen collection date.