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Travel Insurance & CoronaVirus Outbreak – Things to Know

Last Updated On: March 4, 2020

So, the Coronavirus outbreak is now growing at an alarming rate.

Many flights have been canceled to mainland China and borders are being closed. What does it mean to your trip? Here are some things to know.

Will travel insurance cover canceled flights due to Coronavirus?

Ideally, it should. But it depends on which travel insurance plan you’ve taken.

Plans like Atlas America do cover trip cancellation, but under these special circumstances, it is best to check with the company itself.

There are many factors that go into determining whether or not you qualify for trip cancellation. For example, your plan features, exclusions, etc.

To be sure please call up the insurance company, give your plan details and they can confirm it for you.

Will travel insurance cover Coronavirus infections?

Probably no. If you had bought your travel insurance policies prior to the outbreak (i.e Jan 21, 2020) and if your plan qualifies you for cancellations against any reason (CFAR – Cancel For Any Reason), then you might get trip cancellations.

As for infections, the possibilities are very less.

Although some travel insurance companies are looking to relax their policies, there is no clear indication on which plans cover Coronavirus infection.

If you’re planning to travel to China then it’s recommended that you check with your travel agent or airline about the details.

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About the author

Mani Karthik

Having lived in 3+ countries, worked for companies small and big in the USA, Middle East & India, I have a lot of experience to share about international travel, immigration and living as an NRI in the US. Add me on WhatsApp if you have any queries (+1-408-489-4785)