Coronavirus Outbreak Travel Insurance Notice and FAQs

Generali Global Assistance is closely monitoring the Wuhan Coronavirus (2019-nCoV) and its impact on our travelers. This notice is intended to help you better understand your travel insurance plan coverages or potential purchases.

If you are thinking about cancelling your trip because you are concerned to travel, please read your Description of Coverage/Policy confirmation documents. In order to provide coverage for Trip Cancellation, one of the 20 covered events must apply. Please note, most of our plans will not cover fear of travel.

The virus information is being updated frequently. For the latest information, visit the CDC or World Health Organization websites.

January 29 Position Statement - Coronavirus Outbreak

The CDC is closely monitoring an outbreak of respiratory illness caused by a new coronavirus named 2019-nCoV, that was first detected in Wuhan, China. News about the Coronavirus is changing rapidly. The respiratory infection, which is closely related to SARS and MERS, has been spreading across China, and cases have been diagnosed in several other countries, including the United States. In the U.S., the CDC is reporting five confirmed cases from these states: Washington, Illinois, California and Arizona. In all cases so far, those patients had recently traveled to Wuhan, China. On January 27, 2020, the CDC issued a level three travel health notice, urging travelers to avoid non-essential travel to China.

Customers are strongly encouraged to read their Description of Coverage or Insurance Policy for details regarding their available coverage. For plans that do offer coverage for illness, please note that the Coronavirus outbreak event could be considered foreseeable under any plans purchased on or after January 22, 2020. Please contact Generali Global Assistance with questions.

Coronavirus Travel Insurance Frequently Asked Questions

   
I have a policy and want to cancel my trip because I'm afraid to travel now. Am I covered?
If you added Trip Cancellation for Any Reason (CFAR) coverage to your Generali Global Assistance travel insurance plan, you could be reimbursed up to 75% of your prepaid, forfeited, non-refundable trip cost. To qualify for CFAR coverage you must meet certain requirements., including purchasing CFAR coverage within 24 hours of making the initial deposit for your trip.
   
I have a trip planned to China this spring. 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. Generali Global Assistance plans do not offer coverage if you cancel your trip due to fear of traveling, unless you added Trip Cancellation for Any Reason coverage to your plan. If you have this coverage you could be reimbursed up to 75% of your prepaid, forfeited, non-refundable trip cost, if you meet certain requirements.

You should also contact your travel supplier or airline as they may offer some assistance.

   
Can I add Trip Cancellation for Any Reason coverage to my existing travel insurance policy?
You cannot add Trip Cancellation for Any Reason coverage to a Generali Global Assistance travel insurance plan that has already been purchased.
   
If I have travel insurance and am diagnosed with Coronavirus, could I be covered for Trip Cancellation?
Only if the requirements for Trip Cancellation due to sickness are met, you purchased the plan before January 22, and the outbreak does not become named a Pandemic and/or Epidemic. Our travel insurance plans do not provide coverage for Pandemic or Epidemic related events.
   
What if I go on my trip and the area I visit or cruise ship is quarantined because the Coronavirus spreads? Could Trip Interruption coverage apply?
Yes, being quarantined for an illness is a covered reason for Trip Interruption.
   
How might the Coronavirus affect my cruise plans?
Cruise lines are taking the Coronavirus very seriously and many are screening passengers for flu like symptoms or recent exposure to travel in China. Should you be identified as at risk and turned away, you may be eligible for a travel insurance claim but please note – physician visit and documentation requirements (see your Description of Coverage/Policy for full details).
   
If the airline cancels my flight to China due to Coronavirus, could I be reimbursed for the flight cost?
If you added Trip Cancellation for Any Reason coverage to your travel insurance plan, you could be reimbursed up to 75% of your prepaid, forfeited, non-refundable trip cost, if you meet certain requirements.. Note: The airlines that offer direct service from the U.S. to China have announced they are waiving usual penalties for rescheduling or canceling flights for customers who have had to change plans due to the Coronavirus outbreak.
   
My cruise line recently changed the cruise port departure city for my upcoming trip. Now they are requiring that I depart from a different city, so my airline ticket has to change. Can my travel insurance cover the cost for changing my flight?
Generali Global Assistance plans do not offer coverage for changes to your travel itinerary resulting from the Coronavirus Outbreak.
   
My cruise line recently 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?
Generali Global Assistance plans do not offer coverage for changes to your travel itinerary resulting from the Coronavirus Outbreak, unless you purchased the Premium Plan and added the Trip Cancellation for Any Reason Benefit. If you purchased the optional Trip Cancellation for Any Reason Benefit and cancel your Trip, you could be eligible for reimbursement of up to 75% for the prepaid, forfeited, non-refundable Payments for your Trip if you meet the coverage requirements.
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