I have a question about this subject!

Question:


I’m interested in booking a trip for this summer for Europe but want a insurance that will cover the trip if would have to cancel if the Coronavirus is present. does the cancel for any reason insurance cover this?
- RhondaM,
03/27/2020

Answer:


Yes, if cancellation due to a Coronavirus related issue is your main concern, you would want 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 after making 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.
- Meghan,
Product insureMyTrip
03/27/2020

Question:


If the country you're traveling to is closed by quarantine, will insurance cover this if airline tix were purchased prior to the corona virus outbreak?
- William,
03/22/2020

Answer:


It may be a good idea to contact your travel supplier first to see if they are offering refunds, or waiving fees for transfers to new travel dates, as many are working with customers during this time. Typically, a country restricting travel due to border closings is not covered by a comprehensive travel insurance plan under Trip Cancellation. In this case, if you have purchased a plan that offers Cancel For Any Reason and all eligibility requirements are met (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 are cancelling your trip no less than 2 days prior to departure), you may be able to recoup a percentage (typically 50%-75% depending on the plan) of your pre-paid, non-refundable trip cost.
- Meghan,
Product insureMyTrip
03/26/2020

Question:


Will travel insurance still cover cancellation if I am sick with coronavirus and have to cancel my cruise for medical reason?
- DanielZ,
03/19/2020

Answer:


We can only suggest looking into "cancel for any reason" as this is considered foreseen at this time. There are typically 3 conditions that must be met to purchase a Cancel For Any Reason Rider: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, this benefit will typically reimburse you 75% of your trip cost, unless otherwise noted. To view policies that offer this benefit, if you qualify, click on the "cancel for any reason" filter on the left side of the quote results page.
- MattG,
Customer Care insureMyTrip
03/21/2020

Question:


i need more information on trip cancellation for any reason policies. Is this effective for permanent residents?
- matthew,
03/15/2020

Answer:


U.S residents departing from and returning to their home in the USA can qualify for a comprehensive policy that includes cancellation coverage. There are typically 3 conditions that must be met to purchase a Cancel For Any Reason Rider: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, this benefit will typically reimburse you 75% of your trip cost, unless otherwise noted. To view policies that offer this benefit, if you qualify, click on the "cancel for any reason" filter on the left side of the quote results page. If you are outside that time frame this benefit is not going to be available.
- MattG,
Customer Care insureMyTrip
03/16/2020

Question:


I am trying to sign up for trip insurance in event of cancellation for my two daughters. It is a school trip provided by St. Catherine's School in Richmond, VA called New York 911. How can I sign up? I was directed by the School to this website.
- JohnH,
03/10/2020

Answer:


Please fill out the quote form on our home page, www.insuremytrip.com with your trip details to obtain a quote. If you are interested in trip cancellation and other travel protection benefits, please click on the “Comprehensive” button on the left when you arrive on the results page. Comprehensive Plans are the most widely known form of coverage and are often called package plans. Typically, a Comprehensive Plan will offer a variety of benefits for travelers, covering a wide range of concerns. Most provide coverage for Trip Cancellation, Trip interruption, Baggage loss, Medical, Dental, Emergency Evacuation, 24 Hour Traveler Assistance, Baggage Delay, Travel Delay, and Accidental Death.
- MattG,
Customer Care insureMyTrip
03/16/2020

Question:


I have airline tickets going to New York City from Los Angeles purchased 2/5/2020. The flight is leaving 4/26/20. Is is possible to get "I want to change my mind" insurance?
- Bruce,
03/12/2020

Answer:


Unfortunately, because you purchased your airline tickets over a month ago, a policy with Cancel For Any Reason would not be available. To be eligible for a comprehensive travel insurance plan that offers optional Cancel For Any Reason coverage, you need to insure 100% of pre-paid, non-refundable trip costs, purchase 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.
- Meghan,
Product insureMyTrip
03/13/2020

Question:


We purchased insurance for an upcoming cruise (April 2020). The cancellation reasons include coverage if the CDC issues a travel advisory for any of the countries we plan to visit on our trip (effective during the dates of our trip). Countries we plan to visit are all in Northern Europe, and no such advisory has been issued. HOWEVER, CDC just issued a blanked advisory against travelling on cruise ships. Does that count?
- DonnaL,
03/09/2020

Answer:


A CDC warning would need to be issued to a destination country listed on your itinerary for coverage to apply. Although some plans do offer coverage for CDC warnings (issued to avoid travel to your destination during the time that you plan to travel), companies now consider the Coronavirus and related CDC warnings to be known events. Once an event is known, or no longer unforeseen, the company will no longer offer coverage, including trip cancellation or interruption, for that reason. The dates that Coronavirus became a known event differ by company, but usually fall in the range of 1/20/20 – 1/30/20, meaning plans purchased after those dates may not have coverage for CDC warnings to destination countries worldwide.
- Meghan,
Product insureMyTrip
03/12/2020

Question:


If I bought travel insurance after 1/21/20 and the country I am traveling to issues a ban on travelers coming from the United States, due to the spread of the virus here, am I covered under Trip Cancellation benefits, as it is not a voluntary cancellation?
- Jay,
03/09/2020

Answer:


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, travel insurance does not cover trip cancellation due fear of travel. 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.
- Meghan,
Product insureMyTrip
03/11/2020

Question:


If we book a flight to Germany for this summer, and the CDC then labels Germany a level 3 Coronavirus threat, would travel insurance cover our airline tickets for a full refund? I assume that in that case, the flights would be either cancelled or we would be prohibited from travelling to Germany. Thank you!
- Christina,
03/08/2020

Answer:


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, travel insurance does not cover trip cancellation due fear of travel. 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.
- Meghan,
Product insureMyTrip
03/11/2020

Question:


I have rented a villa in Martinique from April 4 th through the 11th. If I purchase insurance and then the government recommends not to travel there from the USA, may I use the insurance if need to cancel?
- Virginia A,
03/07/2020

Answer:


We can only suggest looking into "cancel for any reason" as this is not something covered with Trip Cancellation. There are typically 3 conditions that must be met to purchase a Cancel For Any Reason Rider: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, this benefit will typically reimburse you 75% of your trip cost, unless otherwise noted. To view policies that offer this benefit, if you qualify, click on the "cancel for any reason" filter on the left side of the quote results page.
- MattG,
Customer Care insureMyTrip
03/09/2020

Question:


I am going on a cruise and you can put in one destination. Does the insurance cover the whole cruise?
- Linda,
03/07/2020

Answer:


Yes, you are covered in all non-restricted destinations during the coverage period and while you are on the cruise ship.
- MattG,
Customer Care insureMyTrip
03/09/2020
I still have a question about this subject!