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

Last updated March 24, 2020

We are 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.

Coronavirus Frequently Asked Questions

Coronavirus & Travel Insurance

   
Can travel insurance help if I get sick before I leave on my trip?
With travel insurance you can be reimbursed for your prepaid, nonrefundable trip costs if you get sick before your trip and can’t travel. Please note that you need to be diagnosed in person by a physician that recommends you do not to travel at the time of your departure.
   
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 and May 31, 2020, and did not travel or file a claim, you may be eligible for a travel insurance policy voucher which can be applied to a later trip. Visit www.generalitravel.com/voucher to determine if you are eligible. You can apply for the voucher now, even if you have not yet scheduled the new trip. The credit must be applied to a trip booked by December 31, 2020, but your travel dates do not have to occur in 2020.
   
What if I get a fever and am not allowed to board my flight. Can travel insurance help?

For those plans that include Trip Interruption coverage, travel insurance can help if you get sick on your trip and can’t travel.

For your safety and for the safety of others, if you believe you may have contracted the virus, call our 24/7 Emergency Assistance team who will coordinate local treatment on your behalf. 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.

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

   
How can travel insurance help if I'm traveling to a part of the world with heightened risk?

For those plans that include Trip Interruption coverage, travel insurance can help if you get sick on your trip.

All of our travel insurance plans include 24/7 emergency assistance to help travelers arrange medical treatment—For your safety and for the safety of others, if you believe you may have contracted the virus, call our 24/7 Emergency Assistance team who will coordinate local treatment on your behalf

   
What if I go on my trip and the area I visit is quarantined because the Coronavirus spreads? Could Trip Interruption coverage apply?

For those plans that include Trip Interruption coverage, being quarantined is a listed covered reason for interrupting your trip. Coverage is provided for forfeited prepaid expenses, as well as costs to either return home or rejoin your trip as scheduled, once released.

For plans that offer coverage for Quarantines, please note that the Coronavirus outbreak event could be considered foreseeable and coverage for Quarantines may not be available under any plans purchased on or after January 29, 2020. Coverage can be provided if you, your traveling companion or family member contract COVID-19.

For your safety and for the safety of others, if you believe you may have contracted the virus, call our 24/7 Emergency Assistance team who will coordinate local treatment on their behalf

   
I have travel insurance and am diagnosed with Coronavirus, could I be covered for Trip Cancellation?

Coverage is available if the plan requirements for Trip Cancellation due to sickness are met. Please see a sample Description of Coverage or Policy for full details.

If your trip was scheduled to depart between January 29 and May 31 and you have not departed and will not travel, you may be eligible for a travel insurance policy voucher. Visit generalitravel.com/voucher for details

   
I have a trip planned to an affected area. Will I be able to cancel my trip and be reimbursed?

You can be reimbursed for unused, non-refundable, pre-paid trip costs if you need to cancel your trip for a covered reason. Plans do not offer coverage if you cancel your trip due to fear of traveling.

If your trip was scheduled to depart between January 29 and May 31 and you have not departed and will not travel, you may be eligible for a travel insurance policy voucher. Visit generalitravel.com/voucher for details

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

Plans typically include coverage for flight cancellations due to adverse weather or mechanical breakdown, but travel insurance does not offer coverage for itinerary changes because of widespread outbreaks like the Coronavirus Outbreak.

Coronavirus is a Public Health Emergency of International Concern and many airlines and other travel suppliers are cancelling service, refunding trips and waiving change fees for travel for the next few months.

If your trip was scheduled to depart between January 29 and May 31 and you have not departed and will not travel, you may be eligible for a travel insurance policy voucher. Visit generalitravel.com/voucher for details.

 

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