Travel Guard “Swine Flu” Released Information
Swine Flu Q&A
The following questions and answers have been prepared to help you understand the typical coverage that may or may not be available for insured travelers.
Q: If I were to contract swine flu, would I be covered for trip cancellation?
A: As long as the insurance was purchased before you contracted the disease, you would normally be covered for cancellation. Travel Guard would require a note from the doctor as verification. (Please confirm that plan has coverage for unforeseen illness.)
Q: If I were to contract swine flu while on my trip, would I have coverage for medical expenses?
A: As long as the disease was contracted while on the trip, you would normally be covered. (Please confirm medical expense coverage is included in the product.)
Q: Would I have coverage for Trip Interruption if the area I am traveling in is quarantined by that country’s government?
A: Generally there would be coverage under Trip Interruption, if you are quarantined to an area because of possible contact with swine flu.
Q: Would I have coverage for Trip Delay if the area I am traveling in is quarantined by that country’s government?
A: Generally there would be coverage under Trip Delay if you are quarantined up to the maximum limits of the coverage.
Q: If I am denied entry to a country because I appear to be ill or have a fever, would I have coverage?
A: Generally there would not be coverage unless you were quarantined.
Q: If I am afraid to Travel to a specific area because swine flu has been detected, will I have coverage for Trip Cancellation?
A: No, there is no coverage for fear of traveling to a specific region. Under Trip Cancellation, most plans provide coverage due to reasons such as illness or injury, weather conditions, or traffic accidents. The insurance through Travel Guard generally does not provide coverage due to government regulations or advisories to specific regions. Under Trip Cancellation, most plans provide coverage due to reasons such as illness or injury, weather conditions, or traffic accidents.
Q: Would I have coverage for Trip Cancellation if the area I am traveling to is quarantined by that country’s government?
A: Generally, Travel Guard’s plans would not provide coverage for Trip Cancellation should your destination country’s government have quarantines due to the swine flu.
Q: Would I have coverage for Trip Cancellation if the government issues a travel warning covering the area I am scheduled to travel to?
A: The plans available through Travel Guard do not provide Trip Cancellation coverage due to government warnings.
Q: Would the possible “epidemic” be covered as a “Natural Disaster”?
A: The definition of “Natural Disaster” is flood, hurricane, earthquake, or blizzard that is due to natural causes. So, this would not be considered a “Natural Disaster”.
