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

Last updated January 25, 2022

Travel Updates: Our plans provide coverage if you, a family member, or a traveling companion become ill with COVID-19 and plan requirements are met. See Coverages

Generali Global Assistance is closely monitoring the Novel Coronavirus (COVID-19) and its potential impact on our travelers. This notice is intended to help you better understand your travel insurance plan coverages or potential purchases. While we will be updating this page regularly, we also encourage you to consult the World Health Organization (WHO) and Centers for Disease Control and Prevention (CDC) websites for the most up-to-date information.

Frequently Asked Questions

Coronavirus & Travel Insurance

   
Do I have to have symptoms and see a doctor to qualify for COVID-19 sickness coverage?

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. You do not need to have COVID-19 symptoms to qualify for coverage.

   
If someone in my travel party tests positive, but I test negative, can I qualify for coverage to isolate at my destination past my scheduled check-out date?
Yes, for plans that include Travel Delay, coverage may be provided up to the maximum benefit limit if your traveling companion is diagnosed with COVID-19 and you have to pay for additional lodging at your destination.
   
If I test positive for COVID-19 more than a week before I’m supposed to go on my trip, can I be covered for Trip Cancellation?
Yes, coverage may be provided if you receive a positive test result from a testing facility or a positive test result from an at-home test that meets certain requirements and the diagnosis or sickness prevents you from traveling. You must take your test while your Trip Cancellation coverage is in effect. Trip Cancellation coverage goes into effect at 12:01 a.m. the day after you purchase your plan.
   
If a travel companion tests positive for COVID-19 and can’t travel, will I qualify for Trip Cancellation coverage?
Yes, for plans that include Trip Cancellation coverage, coverage may be provided if a travel companion or family member is diagnosed with COVID-19.
   
My trip has been postponed or canceled and I haven’t decided whether to rebook it or plan a different trip. What can I do with my travel insurance plan?

If you were scheduled to depart on your trip between January 29, 2020 and March 31, 2022, and have not departed and will not travel or file a claim, you may be eligible for a travel insurance policy voucher to use at a later date. You can apply for a voucher now even if you 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
  • You must request a voucher by March 31, 2022
  • Travel has not already taken place
  • A claim has not already been filed against the policy
  • You waive your right to file a claim for loss arising out of your original trip date once a voucher is issued
   
How can travel insurance help me if COVID-19 affects my trip?

Travel insurance provides coverage if you, your host at your destination, a family member, or a travel companion get sick with COVID-19.

Prior to Departure:

  • Trip Cancellation coverage for your pre-paid travel arrangements.

During Your Trip:

  • Trip Interruption coverage for your pre-paid land and water arrangements (such as lodging), plus additional transportation costs to return home or depart on your trip earlier or later than scheduled.
  • Per trip plans include Travel Delay coverage for overnight lodging, meals, local transportation and other unexpected costs if you or a travel companion get sick from COVID-19 and are delayed for six hours or more.
  • Coverage for medical expenses for up to one year, even after you return home, if you get sick from COVID-19 while traveling and need to seek medical treatment or evacuation. Covered expenses include copays, deductibles and out-of-network costs billed by your primary health insurance. Also includes coverage for a companion to visit you if you are traveling alone and hospitalized for more than 7 days.
  • Access to worldwide 24/7 Travel Support if you need help while traveling. Per trip plans also provide you with access to telemedicine services during your trip.

For your safety and the safety of others, travelers who believe they may have contracted the COVID-19 virus should call our 24/7 Travel Support team who will coordinate local treatment on your behalf. You should do what you can to remain isolated and our assistance team will make sure you reach the dedicated local health facility best equipped to treat the virus—in accordance with the respective national response plan.

When you submit your claim, please provide proof of a positive COVID-19 test result—or a completed physician statement that advises you were not able to travel, signed by the treating physician.

Plans do not provide coverage for shelter in place orders, travel restrictions, or fear of travel—unless you purchase the Elite plan and add optional Trip Cancellation for Any Reason coverage. Learn more

Please read your Description of Coverage/Policy confirmation documents for coverage details.

   
How can travel insurance help if I am traveling to an area with heightened risk?

Coverage is available if you, your host at your destination, a family member, or a travel companion get sick with COVID-19 before or during your trip. Learn more

Plans do not provide coverage for shelter in place orders, travel restrictions, or fear of travel—unless you purchase the Elite plan and add optional Trip Cancellation for Any Reason coverage. Learn more

Please read your Description of Coverage/Policy confirmation documents for coverage details.

   
I have a trip planned to an area with a growing number of cases. Will I be able to cancel my trip and be reimbursed?

Coverage is available if you, your host at your destination, a family member, or a travel companion get sick with COVID-19 prior to departure and you have to cancel your trip. Learn more

Plans do not currently provide coverage for other events related to COVID-19 or if you cancel your trip due to travel restrictions, a shelter in place order, or fear of traveling—unless you purchased the Elite plan and added optional Trip Cancellation for Any Reason coverage. Learn more

In response to COVID-19, many cruise lines, airlines, and other travel suppliers are canceling services and refunding trips or waiving change fees. To ensure you are aware of all your travel change options, we encourage you to check with your airline or travel supplier before filing a travel insurance claim.

Please read your Description of Coverage/Policy confirmation documents for coverage details.

   
If I am diagnosed with COVID-19, how can travel insurance help?

If you get sick with COVID-19 before or during your trip, you can be covered for Trip Cancellation, Trip Interruption, Travel Delay (only included in per trip plans), Medical & Dental, and Emergency Assistance & Transportation. Learn more

Please read your Description of Coverage/Policy confirmation documents for coverage details.

   
If I am Quarantined due to COVID-19, how can travel insurance help?

If you are diagnosed with COVID-19 or another sickness and Quarantined you can be covered. Learn more

If you are Quarantined due to COVID-19 but not sick, coverage is not available—unless you purchased the Elite plan and added optional Trip Cancellation for Any Reason coverage. Learn more

Please read your Description of Coverage/Policy confirmation documents for coverage details.

   
My cruise line changed the ports of call for my upcoming trip. I’m now traveling to different ports which I didn’t choose. Can I cancel my trip and be reimbursed?

Plans do not offer coverage for changes to your travel itinerary due to COVID-19—unless you purchased the Elite plan and added optional Trip Cancellation for Any Reason coverage. Learn more

Please read your Description of Coverage/Policy confirmation documents for coverage details.

   
I have a fever and am not allowed to board my flight or cruise. Can travel insurance help?

Yes, if you get sick on your trip and can’t travel, plans provide coverage for your prepaid, non-refundable trip costs, plus additional transportation expenses to return home. Learn more

Please read your Description of Coverage/Policy confirmation documents for coverage details.

   
If I bought Trip Cancellation for Any Reason coverage, can I cancel because of COVID-19?

Yes. If you purchased the Elite plan and added optional Trip Cancellation for Any Reason coverage, it is your choice whether to travel or cancel your trip according to the terms of the plan.

Optional Trip Cancellation For Any Reason can reimburse up to 75% of your prepaid, forfeited, non-refundable trip cost. The reason for your cancellation doesn’t matter, but you will need to meet a few other requirements.

To be eligible for this coverage, make sure:

  • You purchased Trip Cancellation For Any Reason within 24 hours of making initial deposit for your trip.
  • You cancel your trip 48 hours or more before your scheduled departure.
  • You insured all of your non-refundable trip costs that are subject to cancellation penalties or restrictions.
  • Your per person trip cost is no more than $10,000.*
  • You weren’t disabled from travel when you bought coverage.

*For Indiana and Washington residents, in addition to the per person trip cost maximum, the per reservation trip cost cannot exceed $20,000.

This coverage is not available to residents of New York.

Please read your Description of Coverage/Policy confirmation documents for coverage details.

   
If the airline cancels my flight due to COVID-19, could I be reimbursed for the flight cost?

Although plans can cover flight cancellations or delays due to mechanical breakdown, adverse weather or labor strike, they do not cover flight cancellations due to COVID-19—unless you purchased the Elite plan and added optional Trip Cancellation for Any Reason coverage. Learn more

Please read your Description of Coverage/Policy confirmation documents for coverage details.

Testing and Vaccination Requirements

   
I tested positive with an at-home test. Do I qualify for COVID-19 sickness coverage?

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

  • You must take your test while your Trip Cancellation coverage is in effect. Trip Cancellation coverage goes into effect at 12:01 a.m. the day after you purchase your 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.
   
Will insurance cover my test costs?
Travel insurance will not cover the cost of COVID-19 tests before your trip. However, for plans that include Medical and Dental coverage, travel insurance may cover the cost of COVID-19 testing during your trip if you get sick and are required by a physician to take a COVID-19 test for diagnostic purposes.
   
What if vaccination for Coronavirus is a requirement to travel? How might travel insurance help in that case?

Most plans include “new vaccination requirements” as a covered reason for trip cancellation. If your destination country announces and publishes a new vaccination requirement after you buy travel insurance, and you are medically unable to receive the vaccination, you can be reimbursed for your 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 you are 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.

   
What if I test positive at my destination? Will insurance cover additional lodging?

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

If you have any additional questions, please email our Customer Service team at customerservice@generalitravelinsurance.com

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