Coverage Alert - COVID-19

Updated February 12, 2021

COVID-19 is impacting worldwide travel, with continued spread and disruptions expected. COVID-19 became a known event on January 21, 2020 and was recognized as an epidemic as of February 3, 2020. The US began instituting restrictions on travel on March 21, 2020.

As of March 21, 2020, COVID-19 is considered a foreseeable event and as of this date, COVID-19 and its impacts to travel are not covered under our plans. Claims due to known, foreseeable, or expected events, epidemics, government prohibitions, warnings, quarantine including quarantine due to COVID exposure, travel advisories or fear of travel are generally not covered, and coverage can vary by state.

However, until further notice, although not covered under most plans, we are currently accommodating claims for:

1. Under the Emergency Medical Expense Benefit: Emergency medical expenses for an insured who becomes ill with COVID-19 while on their trip.

2. Under the Emergency Medical Evacuation Benefit: Transportation to a higher level of care for an insured when necessary as a result of contracting COVID-19 while on their trip.

Under the Trip Cancellation or Trip Interruption Benefits: Trip cancellation and trip interruption if an insured, insured’s family member, or a traveling companion, or a business partner or a traveling companion’s family member tests positive with COVID-19 either before or during their trip with a signed Attending Physician Statement.

These accommodations are strictly applicable to COVID-19 and are only available for insureds whose plan includes the applicable benefit. All other terms, conditions, and exclusions of the plan apply as normal.

Policy Cancellation

You may cancel coverage under the policy by providing us with written notice within 14 days of the purchase date of your coverage provided you have not filed a claim under the policy or departed for your trip. If you have cancelled your scheduled trip, the premium is non-refundable outside of the 14 day money back guarantee period.

Before You Cancel Your Trip

Many airlines and travel suppliers are providing refunds or future travel credits without change fees when traveling to a destination affected by COVID-19. Please contact your travel supplier prior to cancelling your trip. If the insured changes the dates of their trip, they may also change the dates of coverage on their travel protection plan for up to two years from the original policy expiration date by calling the phone number on their plan.

Contacting Us

Arch Insurance Company is assisting insureds who wish to change their travel plans, require travel assistance or would like to file a claim. Our claims team is here to fully understand the nature of your specific situation and provide assistance and applicable coverage under your plan. Our assistance team is ready to help all of our insureds who need help while traveling, such as locating medical facilities or rebooking transportation.

Any insured who has a medical issue while traveling or who has any other questions regarding their plan is encouraged to call us at 1-800-699-3845. We review every claim based on its unique facts and circumstances and are happy to answer any questions you may have.

For more information on COVID-19, please see our Coronavirus FAQs on our Significant Travel Events Page at /Claims/Significant-Travel-Events. The information in this Coverage Alert is current as of the time of publication but is subject to change as the situation develops. Please visit for the latest coverage information.

The accommodations described above are strictly limited to the terms specifically stated above and for no other further purpose, express or implied. Arch Insurance Company hereby disclaims any interpretation that it is a guarantee of coverage or admission of liability. Such accommodations should not be construed to be a waiver of any term, condition, or exclusion of our plans. Arch Insurance Company and its reinsurers reserve all rights, remedies, and defenses under our plans, under applicable law, and at equity.

Insurance coverages are underwritten by Arch Insurance Company, NAIC #11150, under certain policy series including LTP 2013 and amendments thereto. Plans are administered by Arch Insurance Solutions Inc., a licensed travel insurance producer* (CA License #0I18111, TX License #1787195). Certain terms, conditions, restrictions and exclusions apply and coverages may vary in certain states. In the event of any conflict between your policy terms and coverage descriptions on this website, the terms and conditions of your policy shall govern. For a complete description of the coverage and benefit limits offered under your specific plan, carefully review your Confirmation of Benefits and your Plan documents.