Top Travel Insurance Questions Answered As Americans Consider Vacation Plans



Posted: October 20, 2021 at 8:54 AM MDT|Update: 1 hour ago

WARWICK, RI, 20 October 2021 / PRNewswire / – Health Officials Give Americans fully vaccinated the green light to get together for the holidays. As American travelers set their 2021 vacation plans, product expert InsureMyTrip, Meghan Walch, answers the most frequently asked questions. Company Logo (PRNewsFoto / InsureMyTrip) (PRNewsFoto / InsureMyTrip)

The vast majority of questions are about the pandemic and what travel insurance will cover. In fact, among those looking for Cancellation for Any Reason (CFAR) coverage on between August 10, 2021October 14, 2021:

  • 86 percent worried about having to cancel a trip due to travel changes linked to Covid-19 restrictions
  • 61% fear having to cancel for fear of contracting Covid-19

While Covid-19 remains a major concern for potential travelers, Walch offers expert answers to key questions received by the InsureMyTrip customer service center:

Top Questions About Travel Insurance For Vacation Travelers

Q: Does InsureMyTrip have policies that cover a quarantine required if I contract Covid-19 while traveling?

A: The short answer is yes. “A doctor-ordered quarantine can be covered by travel insurance. Comprehensive plans can help you reimburse additional accommodation costs if a doctor asks you to quarantine yourself while traveling.

Quarantine should be listed as a covered ground in a policy under Travel delay and Trip interruption blanket. It is also important to understand how “quarantine” is defined in a policy, the limits of coverage provided, and whether it will cover certain situations such as self-isolation or stay-at-home orders.

Q: What happens if a county closes while traveling?

A: Closing a country before departure is not a reason covered by the General Trip Cancellation coverage. A Cancellation for Any Reason (CFAR) policy may be the only way to have coverage in case you need to cancel your trip for this reason. CFAR can offer you the greatest flexibility if you cancel at least two days before your departure for travel for something other than a covered reason listed in the policy. If the borders and / or the country close while you are there, it may be best to seek assistance from the United States Embassy at your location and contact the assistance service provider listed on your policy. . They may be able to help you organize emergency transport (although at your own expense) to get home.

Q: Who is eligible for Cancellation for Any Reason (CFAR) coverage?

A: There are several eligibility conditions for CFAR protection. They can require travelers to insure 100% of their prepaid, non-refundable travel expenses. CFAR coverage must be purchased as part of a comprehensive travel insurance plan, within 10-21 days of initial travel payment / deposit. InsureMyTrip has a new tool which makes it easier for travelers to find out if they are eligible for CFAR. (see below for more information on CFAR)

Q: What if I contract a Covid-19 infection while traveling?

A: Providers offering comprehensive travel insurance plans on can cover Covid-19 like any other covered unforeseen illness. So, if you contract Covid-19 before a trip and a doctor confirms that you cannot travel, you may have coverage to cancel your trip.

If you become ill during your trip, there may be coverage if you need to interrupt your trip. Again, you would need proof from a doctor.

In addition, emergency medical benefits may be available to help you reimburse expenses if you see a doctor or must be hospitalized due to COVID-19. In all cases, your policy will need to be purchased before any covered issues are known.

Travelers can contact InsureMyTrip at 1-800-487-4722 to reach a travel insurance expert.

Covid-19 Coverage Tool
Since Covid-19 is a priority for travelers this holiday season, InsureMyTrip offers new technology to help reassure them.

A Covid-19 recommendation tool that has been added to InsureMyTrip’s quotation process. Once travel insurance recommendations appear, travelers can click the ‘Top Choices for Covid-19’ button and find all of the plans that address travel issues related to the pandemic.

MORE: Information Center on COVID-19 and Travel Insurance

To schedule an interview with an expert or to request specific research data on vacation travel plans, please contact [email protected]

Media contact:
Meghan kayata
[email protected]

Cancel for any reason:
Canceling for any reason (also called: CFAR) is an optional upgrade. CFAR offers the greatest flexibility in trip cancellation and is the only option available to cover the fear of Covid-19 travel. Full coverage conditions will be listed in the state specific policy. If the eligibility requirements are met, reimbursement is typically 50% to 75% of the cost of the insured non-refundable prepaid trip if all eligibility requirements are met (available in most states).

Please note: the guarantees are governed by the specific regime certificate. Traditional travel insurance does not offer cancellation coverage for fear of travel, whether related to COVID-19 or not. Canceling for any reason is required.

About AssurerMonTrip
It’s simple. InsureMyTrip finds the right travel insurance plan for you, every time. InsureMyTrip is the authority on travel insurance. We’re committed to empowering travelers to make the best possible insurance decisions by leveraging our technology, data and expertise. InsureMyTrip is rated A + by the Better Business Bureau.

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SOURCE InsureMyTravel

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