IF TRIP IS CANCELLED DUE TO CORONAVIRUS, CAN I REQUEST A REFUND OF THE PREMIUM ?
Typically, the premium is only refundable within 10-15 days from when the policy is purchased. However, each provider is different and they may make an exception depending on the circumstances.
If the US government is advising elderly Americans not to take cruises, will my insurance consider this a valid and justified reason to cover my cancellation of my 17-day Holland America round -trip cruise to Hawaii beginning 4/15/2020 from Seattle?
We do understand your concern as news of Coronavirus develops daily. It is recommended that you contact your travel agent and/or travel suppliers to see if they are offering the ability to cancel and receive a refund or rebook travel to a later date. Generally, standard travel insurance does not cover trip cancellation due fear of travel or advisories for senior travelers. Also, since travel warnings are now foreseen, coverage would not be available to cancel your trip due to your destination being inaccessible because of Coronavirus. The only way to have any coverage to cancel your trip, would be to purchase a comprehensive plan with optional Cancel For Any Reason coverage selected. There are some eligibility requirements for this coverage, such as insuring 100% of pre-paid, non-refundable trip costs, purchasing your coverage within 10-21 days of your initial trip payment, and you must cancel your trip no less than 2 days prior to departure. Cancel For Any Reason can reimburse a portion, typically up to 50%-75%, of your trip cost depending on the plan purchased. A policy with Cancel For Any Reason can cost an additional 40%-60% more than a standard policy, is not available in all states, and eligibility requirements may differ by company.