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Category: Plans & Coverage

Passport Travel Insurance

Posted on by Sara B

Just because you have planned your trip down to a tee doesn’t mean it will go according to plan. Traveling brings unpredictability. A travel plan can run off course, and the unthinkable could happen even to the most organized and on-the-ball traveler before or during a trip. You could lose your passport at the airport or have it stolen while on your trip. When you have travel insurance for passports, these unfortunate incidents may be covered depending on the provider and policy you get and what’s listed as a covered event.

What is passport travel insurance?

Passport insurance is travel insurance coverage that can protect against unfortunate incidents involving your passport before or during international travel. Travel insurance plans vary by provider. When reviewing plans, please pay close attention to their terms, conditions, limitations, and exclusions to understand what passport-related incidents they cover if you need to file a claim.

What does passport insurance cover?

Passport card travel insurance is designed to cover a lost, stolen, or damaged passport. Passport coverage is usually found in baggage and personal effects travel insurance, which protects your luggage and personal belongings.

Does travel insurance cover passport issues?

Travel insurance benefits such as trip cancellation, interruption, delay and personal effects benefits may provide coverage for passport issues, but it will depend on whether it’s a covered event in your policy. Be sure to thoroughly read your policy to know what events involving your passport you are covered for.

Does travel insurance cover passport delay?

No, there’s no such thing as travel insurance for passport delay. Travel insurance will not cover the delay in getting your passport. For example, when there’s a problem with the processing of your passport’s initial or renewal application causing your passport to not get to you in time for your trip departure. Therefore, make sure you apply for your passport well in advance.

Will coverage apply if a passport is stolen?

Baggage and personal effects travel insurance typically cover the cost of a replacement passport if yours is stolen, lost or damaged on your trip. You may also be covered if your passport is stolen before your trip and you must cancel it. Given that you have filed a police report, you may be reimbursed for the insured cost of your trip under the trip cancellation benefit.

Does travel insurance cover expired passports?

No, travel insurance does not provide coverage for an expired passport. It is your responsibility to ensure that your passport is valid for the entire duration of your trip and has a minimum validity of six months following your arrival date.

How much is passport travel insurance?

Travel insurance that provides coverage for passport-related incidents will cost approximately 4%-10% of your total prepaid, nonrefundable trip cost, which are expenses you pay before departure. The cost of your travel insurance will also depend on risk factors such as traveler(s) age, number of travelers insured on a policy, and level of coverage. Destination(s), such as high-risk or remote, limits, deductible and any options or add-ons you choose to add to a plan can also affect the cost of your travel insurance.

What is the best travel insurance for passports?

The best travel insurance for passports for a trip abroad is often comprehensive insurance, which includes coverage benefits for trip cancellation, interruption, delay, emergency medical, emergency evacuation, baggage, and personal effects. However, the right plan also depends on your individual needs. InsureMyTrip allows you to compare quotes and coverages from the industry’s top providers, so you can easily select the plan that best suits your trip and budget.

Disclaimer: The information contained in this article serves as a general overview of benefits and should only be used for informational purposes. Refer to your individual certificate of insurance for specific coverages, exclusions, and benefits. When in doubt, please contact one of our licensed agents for additional assistance.

Norovirus Travel Insurance: How to Protect Yourself and Your Travels

Posted on by Victoria S

When planning a vacation, the last thing you want to worry about is a stomach bug disrupting your plans. Unfortunately, Norovirus has been making headlines for its rise on cruise ships and across the country, threatening to turn dream getaways into logistical nightmares. Being highly contagious, the virus can spread rapidly in close quarters and shared spaces of cruise ships. However, with proper precautions and Norovirus travel insurance, you can minimize risk and protect your trip.

Best Practices to Prevent Norovirus

  • Frequent Handwashing: Handwashing for at least 20 seconds with soap and water is the most effective way to prevent the spread of Norovirus.
  • Skip the Hand Sanitizer: Alcohol-based hand sanitizers are not effective against the virus, so always opt for washing with soap and water.
  • Disinfect Surfaces: Clean surfaces especially high-touch areas using bleach-based cleaners.
  • Proper Food Handling: Wash fruits and vegetables before eating and do not prepare food for others if you are sick.
  • Stay Home: If you are sick, stay home and/or away from others for at least 48 hours after symptoms subside.

How Travel Insurance Can Help:

  • Emergency Medical: If you need medical care during your trip, onboard or at a port, coverage can help offset the out-of-pocket treatment costs (which are often steep).
  • Trip Interruption: If you get sick mid-vacation and must cut your trip short, travel insurance may be able to cover the unused part of the trip or cruise.
  • Emergency Evacuation: If things get serious, the Coast Guard or similar entity handles getting you off the ship, but once at port travel insurance steps in to cover transportation to an appropriate medical facility, if necessary.
  • Trip Cancellation: If you, a travel buddy, or even a family member back home gets too sick to travel (with a doctor’s note), you can get your non-refundable trip costs reimbursed.
  • Cancel for Any Reason (CFAR) Coverage: Those worried about the risk of contracting the virus or other illnesses should consider the optional Cancel for Any Reason (CFAR) coverage. If qualification requirements are met, CFAR allows you to cancel a trip for something other than a covered reason, like fear of traveling.

While Norovirus outbreaks are concerning, they don’t have to ruin your travel plans. By taking precautions and planning ahead with Norovirus travel insurance, you can safeguard your health and your vacation. Whether you’re embarking on a cruise or exploring exciting destinations on land, a little preparation goes a long way in ensuring a worry-free trip.

Disclaimer: The information contained in this article serves as a general overview of benefits and should only be used for informational purposes. Refer to your individual certificate of insurance for specific coverages, exclusions and benefits. When in doubt, please contact one of our licensed agents for additional assistance.

Tech Outage Disrupts Flights, Travel: How Travel Insurance Coverage Can Help

Posted on by Sara B

Travel Insurance for Tech Outages & IT Failures

We all know anything can happen while you are traveling – but what if a computer outage disrupts your travel plans?

The good news is – travel insurance may be able to help in the event of tech outages and IT system failures that affect flights and travel – especially plans that include Travel Delay and Missed Connection coverages.

These Coverages are Included in Most Comprehensive Plans

Travel Delay is designed to provide reimbursement for expenses related to covered delays that meet the required number of hours, such as meals, transportation, and accommodations if an overnight stay is required.

Missed Connection is designed to provide travelers with coverage if a delayed flight (for example, 3 hours or more) causes a traveler to miss a cruise or tour departure.

Policyholders also have access to emergency assistance services, which may help rebook flights or find other services needed during a travel delay caused by an IT system outage.

How to File a Claim After an IT Outage

If you need to file a claim, InsureMyTrip can help. While we do not handle claims directly (those are handled by your travel insurance provider), we have some tips to help expedite the travel insurance claims process:

  1. Know your plan: Carefully read the wording in your policy to understand coverage details and the claims process.
  2. Have documents ready: You’ll need to show proof of purchases or money lost due to the delay. So, compile receipts and proof of expenses to accurately be reimbursed – including
    • Receipts and itemized bills for all expenses
    • Unused travel tickets and proof of payment for those tickets
    • Proof from the airline that your baggage was lost or delayed
  3. File your claim right away: If there is a major computer system or tech outage, claims may take additional time to process because of volume, so don’t wait to file a claim. Some plans may even have cut-off dates.
  4. File online: Submit a claim on the provider’s online portal, when possible. This can help speed things up and allow you to check the status of your claim. If it has been more than three months without a decision, InsureMyTrip representatives can help contact the provider to see what’s holding things up.

Questions About Coverage?

If you have questions or want to ensure your policy will cover you in the event of disrupted travel, please contact our Customer Care team at 800-487-4722.

Disclaimer: The information contained in this article serves as a general overview of benefits and should only be used for informational purposes. Refer to your individual certificate of insurance for specific coverages, exclusions, and benefits. When in doubt, please contact one of our licensed agents for additional assistance.

Telehealth & Travel Insurance

Posted on by Sara B

What Is Telehealth Travel Insurance?

Telemedicine (often referred to as telehealth or virtual healthcare) has transformed the landscape of travel insurance by offering remote medical consultations to travelers in need.

How Telemedicine Works While Traveling

Through telemedicine platforms or designated telehealthcare services specified by their insurance policy, travelers can access prompt medical advice from licensed professionals via video calls, regardless of their location.

Telehealth Travel Insurance Benefits

Telemedicine consultations provide immediate access to virtual medical care, reducing the need for in-person visits to healthcare facilities, which is especially beneficial in remote areas. This virtual healthcare approach bridges language barriers and cultural differences, ensuring clear communication between travelers and healthcare providers.

In addition to its convenience, telemedicine helps travelers save on healthcare costs by avoiding unnecessary emergency room visits and hospitalizations. With telehealthcare, travelers can manage minor medical issues affordably and conveniently while on the move.

Limits & When In-Person Care Is Required

However, it’s important to recognize the limitations of telemedicine. While it can effectively address many non-emergency medical concerns, certain conditions may still require in-person evaluation and treatment. Travelers should understand the telemedicine coverage outlined in their travel insurance policy to ensure appropriate assistance.

Is Telehealth Travel Insurance Right for You?

In conclusion, telemedicine, telehealth, or virtual medical care has become an integral part of travel insurance, offering travelers efficient access to healthcare services wherever they are. By leveraging technology, telemedicine enhances the accessibility, affordability, and safety of healthcare for travelers, ensuring peace of mind during their journeys.

Talk to a Licensed Agent

To learn more about how telemedicine may apply to your travels, please contact our team of licensed travel insurance agents, we will be happy to discuss how this service may or may not be of assistance during your trip.

Disclaimer: The information contained in this article serves as a general overview of benefits and should only be used for informational purposes. Refer to your individual certificate of insurance for specific coverages, exclusions and benefits. When in doubt, please contact one of our licensed agents for additional assistance.

Wildfires: Travel Insurance to Consider

Posted on by Sara B

A top concern for summer travelers is the weather. Summer is prime time for hurricanes, extreme heat, and more recently, wildfires. Hot, dry conditions have sparked wildfires around the world – causing travel issues even in destinations not directly impacted by fire.

When considering travel insurance during wildfire season – the best advice we can give is this: purchase a policy before a fire is sparked. If a wildfire that affects your trip is known before you purchase a plan, your coverage may be extremely limited.

Wildfires and Travel Insurance Coverage

If you’re traveling to a destination prone to wildfires, or you’re concerned about a wildfire impacting your trip – it’s important to first see if wildfires fall under the definition of “natural disaster” on a policy.

It is important to read through and understand a travel insurance policy before purchasing it. Some providers may cover a wildfire like any other natural disaster, others may specifically call out wildfires in the coverage or definition section.

Your Accommodations or Primary Residence if Damaged by Wildfire

If you cannot travel because you need to tend to damage done to your primary home, you may be eligible for reimbursement due to cancellation or interruption of your trip.

There may be coverage under “Trip Interruption” (going home early) if a wildfire causes damage to the accommodations at your destination, making it uninhabitable.

Your Destination is Under Evacuation Order Due to Wildfire

If there is a mandatory evacuation at your destination where local authorities are saying you should leave due to danger posed by the wildfires – you may find coverage under “Trip Interruption” or “Trip Cancellation.”

Accommodation Cancels a Reservation because of Wildfire Damage

If a wildfire causes damage before your arrival date, a hotel, resort, or vacation rental may cancel your reservation because it’s devastated and made uninhabitable by a storm. Travel insurance plans typically provide coverage for this.

Reimbursement for this can help if the accommodation you selected does not provide a full refund for your pre-paid reservation.

Flights are Grounded Due to Smoke from Wildfires

Some travel insurance plans may offer coverage in the event smoke from wildfires causes flight delays. We saw this in the summer of 2023 – when Canadian wildfires impacted air traffic in the U.S.

Some providers may consider the smoke a “weather event” and cover cancellation, interruption, or delays if the flights are delayed for the required amount of time.

Plans may also offer coverage under “Trip Delay” if flights are grounded due to wildfires or smoke and travelers must purchase additional meals or overnight accommodations.

Fear of Wildfires Impacting a Trip

Canceling a trip because you’re worried a wildfire might ruin your trip is not a covered reason. For the flexibility to cancel a trip for a reason like fear, you should consider adding the Cancel for Any Reason (CFAR) option to your travel insurance policy.

If all eligibility requirements are met, CFAR allows travelers to cancel a trip, at least 48 hours (2 days) before departure, for something other than a covered reason and receive reimbursement of up to 50%-75% of the total, prepaid, non-refundable trip costs.

Wildfires and Limitations of Airline Cancellation Policies

Flight cancellation policies vary by airline and circumstance. When an airline cancels a flight due to bad weather or a wildfire, most will try to rebook passengers on the next available flight. Airlines are not required to reimburse travelers for losses incurred as a result of a canceled flight due to a natural disaster.

Travelers concerned about protecting pre-paid, non-refundable trip expenses should consider travel insurance.

Disclaimer: The information contained in this article serves as a general overview of benefits and should only be used for informational purposes. Refer to your individual certificate of insurance for specific coverages, exclusions and benefits. Please contact one of our licensed agents for additional assistance if you have questions.

Medicanes & Travel Insurance

Posted on by Sara B

Medicane is a rare hurricane-like storm that can impact European destinations. Medicane (Mediterranean + hurricane) is similar in structure to a hurricane or typhoon. In September 2018, a huge medicane storm called Zorbas brought heavy rains, flash flooding, toppled trees, mudslides, and strong winds to Northern African and parts of the Mediterranean. The violent nature of the storm also led authorities in affected countries to urge civilians to exercise caution and avoid travel. These Mediterranean hurricane-like storms can last several days before losing strength.

Mediterranean “Hurricanes” Impact on European Travel

A medicane or what some describe as a “Mediterranean hurricane” is a concern for travelers and can affect European vacations and trips. Here are some common travel concerns for those in a destination that may experience a medicane:

  • Flight delays and cancellations
  • Train delays and cancellations
  • Halted tours
  • Stopped ferry service, detoured cruise ships and boats
  • Damage to vacation destinations
  • Canceled activities
  • Less enjoyable travel experience

Travel Insurance for Medicanes

Medicanes can result in trip delays, interruptions, and cancellations. Travel insurance is designed to cover unforeseen events. For those who purchase travel insurance prior to a medicane there may be coverage in the event bad weather puts a trip in jeopardy. Here are some examples of how a traveler may receive reimbursement of any pre-paid, non-refundable trip expenses if they must cancel a trip due to severe weather-related issues that are covered under the trip cancellation benefit:

Flights are grounded: Many plans may cover a traveler when common carriers such as airlines or cruise lines cease service due to weather, including medicanes. The cessation of services must be for a certain number of consecutive hours, usually 24-48.

Hotel or resort is impacted: Many plans may cover a traveler when a hotel, resort, or vacation rental is devastated and made uninhabitable by a storm.

Cancel for Any Reason Insurance Can Help

CFAR is an optional benefit of travel insurance. This coverage offers the opportunity to cancel travel plans for reasons other than those listed as “covered reasons” on a policy. There are specific eligibility requirements:

  • Depending on the policy, it is only available within 10-21 days of your initial trip payment.
  • You must insure 100 percent of your pre-paid, non-refundable trip cost.
  • You must cancel your trip with the travel suppliers at least 48 hours before the departure date.
  • This benefit typically covers between 50-75 percent of your trip cost and vary by plan.

Also, travelers can still purchase comprehensive travel insurance for coverage unrelated to the medicanes, including emergency medical coverage, emergency medical evacuation, and baggage protection. Trip cancellation and trip interruption coverage are also available for covered unforeseen circumstances unrelated to the storm.

Disclaimer: The information contained in this article serves as a general overview of benefits and should only be used for informational purposes. Refer to your individual certificate of insurance for specific coverages, exclusions and benefits. When in doubt, please contact one of our licensed agents for additional assistance.

Avian Flu & Travel Insurance Coverage

Posted on by Sara B

A rare strain of avian flu, H7N9, disrupted travel for many several years ago. There was a stark comparison to other infectious disease outbreaks in recent history – most notably, the 2003 H5N1 bird flu that killed hundreds, the H1N1 “swine flu” epidemic in 2009, and the infamous outbreak of SARS that resulted in nearly 1,000 deaths a decade ago.

Understandably, news of any potential outbreak of disease around the globe can make travelers wary of traveling to specific destinations that any have cases of the bird flu. While travel insurance cannot protect you from becoming ill, it does provide benefits that may help adjust travel plans and cover emergency medical costs if you do become ill.

Does Travel Insurance Cover the Bird Flu?

If you are intending to travel to a part of the world impacted by a known bird flu strain, you may have less coverage than you hope. You will want to understand the CDC’s definition of the illness (for instance, is it a pandemic or epidemic?) and how the travel insurance company will extend coverage. You will not be able to cancel your trip due to fear of becoming ill and, depending on the definition of the strain, your plan may not provide coverage if you are forced to cancel. However, the exception to the rule – as always – can be found in a Cancel For Any Reason policy.

How Cancel for Any Reason Can Provide Coverage for the Bird Flu

Cancel For Any Reason (CFAR) coverage provides you with the option to cancel your plans for whatever reason you choose whether it’s listed as “excluded” or not by your insurance provider. Savvy travelers who are looking at booking trips might be wise to purchase a CFAR policy sooner rather than later. While CFAR doesn’t reimburse 100% of your trip cost, it can add flexibility and up to 75% reimbursement, depending on the plan. Because CFAR is a time-sensitive benefit, to be eligible to purchase the coverage, you need to buy your travel insurance quickly; we generally recommend buying within 10-21 days of your first trip payment in order to be sure that all the possible options are available to you.

Keep in mind that when you purchase a CFAR policy, you may not be required to adhere to “covered reasons” for cancellation, but you do have to remain aware of the terms of your plan. In general, to file a claim using your CFAR benefit, you must cancel your trip and notify all travel suppliers 48 hours or more in advance of your scheduled departure.

Emergency Medical Coverage for the Bird Flu

If you contract the bird flu while traveling, travel insurance may help provide reimbursement for emergency medical costs or emergency medical evacuation, if deemed necessary by the physician. These benefits can help you save hundreds of thousands of dollars if you were to become ill and need medical attention while abroad.

Disclaimer: The information contained in this article serves as a general overview of benefits and should only be used for informational purposes. Refer to your individual certificate of insurance for specific coverages, exclusions and benefits. When in doubt, please contact one of our licensed agents for additional assistance.

Mental Health Travel Insurance Coverage

Posted on by Sara B

Trip Coverage for Mental Illness Explained

Health issues while away from home is a common concern for travelers, and while coverage for some conditions are usually clearly defined, many people have questions about how mental illness is covered. We spoke to some of our providers to get an understanding of how this coverage works and what travelers should look for to be included in their policy.

Travel Insurance May Cover Mental Health in the Event of Hospitalization

According to our experts, some travel insurance providers may provide trip cancellation or interruption coverage in the event you are hospitalized due to a defined mental, nervous, or psychological disorder.

It’s vital that travelers interested in these coverages ask questions and carefully read the terms of your policy to ensure you have the coverage you need. Depression, bipolar disorder, anxiety, anorexia nervosa, schizophrenia, and other mental illnesses should be thoroughly researched beforehand. In-depth research of benefits, policies and plans will help ensure their travel is covered adequately.

Be advised that some plans offering trip cancellation or trip interruption coverage for hospitalization due to mental illness may require the insured to be hospitalized for a specific number of days before coverage may apply. For example, some may require a hospital stay of up to five days before coverage may be available.

It should also be noted that available coverage for cancellation or interruption may not necessarily provide reimbursement for medical expenses possibly incurred during your trip. It is important to review your policy and understand how mental illness is defined and what coverages it may, or may not, apply to.

Pre-Existing Conditions Waivers May Apply to Mental Health

Travelers under treatment for mental health problems may benefit from buying travel insurance with a Pre-Existing Conditions Waiver. This can help to waive the pre-existing condition lookback period that is included in all comprehensive travel insurance plans in the event your claim is related to a medical issue. There are specific requirements to be eligible for this waiver. They may include purchasing your insurance within 10-21 days of your initial trip payment, insuring the full cost of your trip, and being medically able to travel at the time the policy was purchased and goes into effect.

The way each individual insurance company handles this scenario may differ. For example, if pre-existing conditions are a concern for you or an immediate family member, you should find out what the requirements are. Also, it’s important to remember that – although a traveler may qualify for a pre-existing condition waiver – it is still important to read through the other policy exclusions. Some completely exclude all coverage related to mental illness, so in this case, having the waiver would not help.

Cancel for Any Reason is a Smart Option for Those Concerned with Mental Health

Our experts recommend travelers concerned with cancellation flexibility may consider a policy with the optional Cancel for Any Reason (CFAR) benefit.

CFAR allows you to cancel your plans for reasons that aren’t covered within your insurance documents. As the name indicates, this may allow travelers to cancel for “any” reason. When using CFAR, it’s important to remember that the cancellation must be made and all travel suppliers (including the insurance company) notified at least 48 hours before your scheduled departure.

As with the Pre-Existing Conditions Waiver, CFAR is a time-sensitive benefit. There are also other eligibility requirements, so not all travelers will qualify.

Will Mental Health Travel Insurance Cover Your Condition?

Travel insurance may provide coverage for certain mental health issues, depending on the details of your policy. As with all types of insurance coverage, the way benefits apply in individual situations may vary.

It’s important to carefully research the options before purchasing, so you can ensure you are purchasing the right coverage for your unique situation. Keep in mind that CFAR is a great option for those interested in cancellation flexibility as part of their travel insurance coverage.

Disclaimer: The information contained in this article serves as a general overview of benefits and should only be used for informational purposes. Refer to your individual certificate of insurance for specific coverages, exclusions and benefits. When in doubt, please contact one of our licensed agents for additional assistance.

Travel Insurance & Coronavirus

Posted on by Sara B

Table of Contents

In 2020, the COVID-19 pandemic changed many aspects of travel. Over the past few years, destinations have reopened, travelers have regained confidence, and the need for travel insurance has become even clearer.

To best help travelers prepare for their next trip, InsureMyTrip is here to answer your questions and help you find the right coverage for your unique travel plans.

To compare policies that may offer coverage for COVID-19 related issues, simply start a quote based on your unique travel details and select the “Top Picks for COVID-19” filter under Plan Type on the quote results page.

Does Travel Insurance Cover the Coronavirus Pandemic?

On January 21, 2020, the Coronavirus disease 2019 (COVID-19) became a named event, which affects the travel insurance coverage available for new policies purchased.

For those purchasing travel insurance AFTER 1/21/2020 (exceptions may apply if traveling to a country with a Travel Health Notice issued by the CDC) benefits included in comprehensive coverage may apply in the following unforeseen scenarios:

  • Emergency Medical Coverage: a sick traveler must see a doctor and/or go to the hospital during a trip.
  • Emergency Medical Evacuation Coverage: in rare cases, a sick traveler requires an emergency medical evacuation to the nearest appropriate hospital or back home for recuperation.
  • Trip Interruption: an extremely sick traveler cannot continue with a trip and must return home.
  • Cancel For Any Reason: offers travelers the most cancellation flexibility and is the only coverage option available to cover fear of travel. This benefit is time-sensitive and has other eligibility requirements, so not all travelers will qualify.

InsureMyTrip makes it easy for travelers to compare policies that may offer coverage for COVID-19 related issues. To view the plans best suited to guard against COVID-19-related travel concerns, simply start a quote.

Some plans may exclude epidemics/pandemics and may not provide coverage for related issues. Please be sure to read the plan details carefully before purchasing.

Remember that travel insurance helps to cover unexpected events. Similar to a weather event, once an event becomes a “known” event, it may not be a covered reason for cancellation if a traveler purchases insurance after that date.

If you have an existing policy and need to make a claim, or have questions about your current coverage, please reach out to your insurance provider. Travelers can read further on how to file a travel insurance claim here.

Frequently Asked Questions

What Does Travel Insurance Cover for COVID-19?

For those purchasing travel insurance for future travel, benefits included in comprehensive coverage may apply in the following unforeseen scenarios:

  • Emergency Medical Coverage
  • Emergency Medical Evacuation Coverage
  • Trip Interruption
  • Cancel For Any Reason (optional, time-sensitive benefit)

Over the course of the coronavirus pandemic, many traditional travel insurance companies have expanded or adapted their existing coverage for travelers. In addition to the coverages above, examples of these may include:

  • Reimbursement for covered medical treatment during a trip due to a COVID-19 illness
  • Get sick with COVID-19 and must cancel a trip by physician’s order
  • Physician orders a quarantine before trip
  • Lost a job during the coronavirus pandemic by no-fault of your own

For travelers concerned with cancellation, Cancel For Any Reason (CFAR) offers the most trip cancellation flexibility and is the only option available to cover fear of travel. CFAR is an optional, time-sensitive benefit with eligibility requirements, so not all travelers will qualify. Full terms of coverage will be listed in state-specific policy. If eligibility requirements are met, reimbursement may be up to 50%-75% of the insured pre-paid non-refundable trip cost.

If purchasing a plan specifically for COVID-19 related concerns, we remind travelers to carefully review their policy to understand their coverage. InsureMyTrip’s COVID-19 recommendation tool is now part of the quote process and can be selected to help guide travelers toward the plans best suited for these coronavirus-related travel concerns. Our licensed representatives are also available to read the fine print for travelers and explain the exclusions.

What Travel Insurance Can Help Cover the Costs in the Event I Must Cancel a Trip?

If you’re concerned about government travel restrictions, Cancel For Any Reason coverage is the best option for potentially getting a portion of your expenses back. Also, check with travel suppliers if they offer any refund or travel vouchers.

If I Get Sick with COVID-19 During a Trip, Does Emergency Medical Coverage Cover Me?

It may. Some travel insurance plans do offer emergency medical benefits in the event a traveler gets ill during a trip and must visit a doctor or hospital.

InsureMyTrip’s recommendation tool simplifies the search for travel insurance plans that may offer coverage for COVID-19 related issues. This new tool guides travelers towards plans best suited to guard against COVID-19-related travel concerns as part of the quote process.

Medical plans and coverage to consider include:

  • Travel Medical Insurance is offered either as part of comprehensive travel insurance plans or can be purchased as a stand-alone plan. These plans only offer coverage while traveling outside of your home country. Before purchasing emergency medical coverage, we strongly recommend that you first contact your regular health insurance provider to inquire about global benefits and how your benefits apply when you are outside of your home country.
  • Emergency Medical Evacuation Coverage provides transport assistance in the event that you become seriously ill or injured while traveling. Generally, these plans provide emergency medical evacuation to the nearest appropriate care facility if the assistance company and the physician feel you’d be better suited at a different facility. For those who want to ensure transport to the hospital of their choice, travelers may want to consider also purchasing an air medical transport membership. If hospitalized during your trip, this membership may provide transport to a hospital of your choice, often closer to home, without it being determined as “medically necessary” as required on typical travel insurance plans. (For medical transport memberships, some destination restrictions may apply for evacuations related to COVID-19.)
  • Trip Interruption Coverage is included in travel insurance comprehensive plans. It’s a benefit that offers travelers reimbursement of their pre-paid, non-refundable expenses should they unexpectedly need to cut their travels short. However, there are exclusions for this, so be sure to review your policy carefully.

Travelers with specific questions about coverage should contact our Customer Care team at 800-487-4722 for assistance in finding the right coverage for their unique travel plans.

My Trip was Canceled by My Travel Supplier. Can My Travel Insurance be Refunded?

Unfortunately, travel insurance is non-refundable after the review period listed on the policy (usually 10-14 days from the purchase of the plan). In typical situations, however, many insurance providers will offer to transfer your policy to a future trip. You can use this Policy Change Request Form to request a transfer of your policy.

As the COVID-19 situation is continuing to evolve, some travel insurance companies are considering refunds for customers who can prove that their trip was canceled by their travel supplier. If your trip was canceled by your travel supplier, you can use this Cancellation/Refund Request Form to request a refund of your premium. Our Customer Care team will then reach out to your provider to see if they will allow it.

What If My Travel Supplier Goes Out of Business?

The impact of the coronavirus goes beyond medical as concern grows over the long-term financial impact on the travel industry. Travelers may consider seeking financial default coverage as a precautionary measure in the event their travel supplier becomes financially insolvent. This specific coverage is already included in many comprehensive travel insurance plans and is designed to help travelers in the event their travel supplier has stopped business operations due to financial reasons. Usually, airlines, cruise lines, and tour companies are the kind of suppliers whose financial default would be covered under your travel insurance plan. Financial default coverage reimburses in-full only if you are unable to make alternate arrangements to continue with your travel plans. If you’re able to book another flight, for example, your benefits would then be adjusted according to the specific terms of your policy. This benefit is time-sensitive and the time period varies by plan and provider. Review your policy carefully or call our Customer Care team with questions about this type of coverage.

How is Domestic Travel Affected by the COVID-19 Outbreak?

There are currently no domestic restrictions for domestic travelers taking trips within the United States regardless of vaccination status.

For those travelers concerned about the rules associated with particular states, please see InsureMyTrip’s guide to Pandemic Travel Restrictions By State.

How is International Travel Affected by the COVID-19 Outbreak?

In 2020, confirmed cases of the Coronavirus disease 2019 (COVID-19) spread across the world. However, 2021 saw a significant rollout of vaccines and global travel was largely restored. The situation continues to be fluid, so travelers are reminded to review the information, restrictions, and requirements for their specific destination prior to departure.

On March 11, 2020, the World Health Organization (WHO) declared the Coronavirus outbreak constitutes a pandemic. Because of this, many countries implemented travel restrictions and mandatory quarantines, closed borders, and prohibited non-citizens from entry with little notice in advance. For current information, please refer to this COVID-19 travel outlook map from On Call, which aggregates credible intelligence in key areas that impact the decision of when to resume travel.

In the United States, the Department of State has issued various travel advisories. Travelers are encouraged to review these advisories, and the corresponding COVID-19 Traveler Information page, before considering international travel. Due to the fluidity of the situation, these advisories and guidelines may change at any time. U.S. residents looking to travel domestically are advised to read about the latest COVID-19 travel restrictions per state before departing.

Additional requirements and restrictions continue to change for international destinations.

Air Travel Information

Research has revealed air travel may be safer than some travelers assume. While there are still COVID-19 risks associated with flying, the air quality on a commercial airline is high. This is because the air inside the cabin is refreshed every 2-4 minutes, with half of it being circulated with fresh outside air and the other half sent through a high-efficiency particular air (HEPA) filter.

As of April 2022, most major U.S. airlines have made mask wearing optional.

Airline policies are constantly changing in this fluid situation, so please check directly with your airline before traveling for the latest procedures and information.

For more information and the latest guidance on safe travel practices, please refer to the U.S. Centers for Disease Control and Prevention website.

Cruise Information & Frequently Asked Questions

As of July 18, 2022, the CDC’s COVID-19 Program for Cruise Ships is no longer in effect. However, they are committed to providing guidance to help cruise ships and travelers enjoy a safe and healthy experience onboard.

Please be aware that cruise lines and ships may have their own guidance regarding COVID-19. Always check with your cruise line before leaving home to ensure you are aware of all requirements and travel recommendations.

Do I Need Special Insurance for My Cruise?

Due to the unique nature of traveling by cruise ship, even prior to the COVID-19 pandemic, travel insurance is strongly recommended for all travelers. Depending on the plan, cruise travel insurance can protect against missed connections, an emergency evacuation, unexpected medical issues, baggage loss, and more.

Licensed travel insurance agents at InsureMyTrip are available by chat, email, or phone to answer questions regarding cruise-specific coverage. As a travel insurance marketplace, InsureMyTrip strongly encourages cruisers to compare coverage limits and get expert recommendations prior to making any travel insurance purchase.

If I get sick and quarantined on a cruise ship, does travel insurance cover me?

Possibly. Companies have different requirements for what is considered “quarantined”, so it is important to read your policy or call to clarify coverage.

If I’m not sick and quarantined on a cruise ship, does travel insurance cover me?

Possibly. Like cruisers who get sick and are quarantined, those who are not sick but are still quarantined are subject to the same guidelines as defined by the provider and policy.

If I get sick with coronavirus on a cruise ship, will travel insurance help evacuate me?

It is extremely rare for travel assistance companies to arrange for evacuation from a cruise ship. Typically, you have to be hospitalized first and the assistance company will work with the attending physician to arrange transportation to another hospital, or back home if required.

If I get sick with coronavirus on a cruise ship, who pays my medical bills?

If a traveler gets sick on a cruise ship and requires medical care, he or she may be able to file a claim with their travel insurance company to request reimbursement. It is important to keep all receipts and detailed documentation related to medical care received while on your trip.

If my cruise line cancels a cruise due to coronavirus, does travel insurance cover me?

Cancel For Any Reason selected, they may be able to be refunded a portion (typically 50-75%) of their insured pre-paid non-refundable trip cost if the cruise line cancels the cruise prior to departure and they decide to cancel their entire trip. Cancel For Any Reason is a time-sensitive benefit with some eligibility requirements, and you must cancel at least 2 days prior to departure.

What if I’m afraid to go on an upcoming cruise due to coronavirus?

Coverage is very limited, as typical travel insurance policies don’t cover fear of travel. If the traveler has purchased a plan with optional Cancel For Any Reason selected, they may be able to be refunded a portion (typically 50-75%) of their insured pre-paid non-refundable trip cost if there is fear of traveling due to coronavirus prior to departure. Cancel For Any Reason is a time-sensitive benefit with some eligibility requirements, and you must cancel at least 2 days prior to departure.

PCR Tests & Traveler Requirements

To help you prepare for your next trip, or your return home, we recommend using the below tool to locate an available testing facility. Users can filter by turnaround time, ranging from 24 hours to over 72 hours, and type of service.

PCR (polymerase chain reaction) tests have been proven to be the most reliable for identifying active COVID-19 infections and are the most widely accepted type of test. While this test generally takes around 72 hours for results, some facilities have introduced “rapid PCR tests,” where results can be received in as few as 30 minutes. However, these tests are often more costly.

Before traveling, be sure to check your specific destination to see if a particular type of test is required. Planning ahead is also strongly recommended, particularly if you need a test before departing. If you have a tight schedule, remember that some test facilities may take slightly longer than the standard 72 hours, so considering a location with a shorter turnaround time may be advisable.

Find a COVID-19 Testing Center Near You

Additional Travel Advice for Coronavirus

Stay informed of the latest information on COVID-19 by referring to:

Disclaimer: The information contained in this article serves as a general overview of benefits and should only be used for informational purposes. Refer to your individual certificate of insurance for specific coverages, exclusions, and benefits. When in doubt, please contact one of our licensed agents for additional assistance.

Bomb Cyclones & Travel Insurance

Posted on by Sara B

What is a Bomb Cyclone?

A bomb cyclone, or storm that has undergone bombogenesis, is a storm that rapidly gains strength due to a very sudden pressure drop. The greater the reduction in pressure, the stronger the storm. With the drop in pressure affected areas can expect high winds, heavy snow, and flooding. To think of it simply, bomb cyclones can be compared to a winter hurricane.

Effect of Bomb Cyclone on Travel

Bomb cyclones have the ability to cause major disruptions to winter travel. These historic storms have been known to dump multiple feet of snow, and may have hurricane-force winds. Historically, countless flights have been canceled or delayed as a result of this severe weather forecast.

The National Weather Service strongly advises anyone planning to travel to, from or through a region affected by a bomb cyclone to reconsider their plans. Unfortunately, sometimes travel is unavoidable in harsh conditions. If you absolutely must travel through a bomb cyclone, be prepared.

If You are Driving

  • Drive during the day, it may be safer and easier to see the roads
  • Go slow – high winds will especially impact taller vehicles
  • Bring along a travel safety kit and extra blankets
  • Invest in snow tires to help improve your vehicle’s overall stability

If You are Flying

  • Confirm if your flight is still scheduled
  • Stay patient if you are rerouted, this storm is impacting travelers nationwide
  • Check airport wait times
  • Pack an extra set of clothes in your carry-on, just in case

Travel Insurance for Bomb Cyclones

Travel insurance is designed to help cover unexpected events. Bomb cyclones can close entire cities. The high winds and low visibility can ground flights, and the damage from the heavy wet snow and flooding may impact road travel long after the storm has passed.

For those who purchase travel insurance prior to a known peril, there may be benefits in the event that a bomb cyclone threatens your travel plans. Some examples of benefits that may apply in the event of severe weather:

Delays & Missed Connections:

Many policies may cover travelers when airlines are forced to delay service due to weather, including bomb cyclones. For some plans, if a delay lasts longer than 6 hours, reimbursement for necessities like food and temporary lodging may be available.

Cancellations:

In the event that a bomb cyclone as forced your airline to cancel the flight altogether, comprehensive plans may cover up to 100% of your insured trip’s cost. If before departure a bomb cyclone, or other severe weather, causes damage to your home and you must cancel your trip to deal with repairs, comprehensive travel insurance benefits may help.

Disclaimer: The information contained in this article serves as a general overview of benefits and should only be used for informational purposes. Refer to your individual certificate of insurance for specific coverages, exclusions and benefits. When in doubt, please contact one of our licensed agents for additional assistance.

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