Updated April 16, 2020 - Coronavirus
In addition to prior travel restrictions relating to the virus, President Trump on March 11 signed a proclamation that restricts travel to the United States from foreign nationals who have recently been in certain European countries. This does not apply to U.S. citizens or legal permanent residents.
As of January 21, 2020, the Coronavirus became a known event and was recognized as an epidemic as of February 3, 2020. As such, the Coronavirus outbreak is considered a foreseeable event under any plans purchased on or after January 21, 2020 .
We are committed to assisting our policyholders who may need help navigating the impact of this epidemic on upcoming travel plans or while they are traveling.
To help you better understand your policy, below are some helpful Questions and Answers that may address your concerns prior to your trip. We are monitoring this situation and will provide applicable updates to our website at www.RoamRight.com If you need any additional guidance please contact us at 1-800-699-3845.
Please note that these answers only apply to customers whose Policies include the applicable benefits. All other Policy terms, conditions and exclusions apply.
Does my Policy cover trip cancellation or interruption because of fear of travel due to the Coronavirus?
Like most travel insurance policies available, concern or fear of travel is not a covered event under our travel insurance policies, unless your Policy included Cancel For Any Reason (“CFAR”) upgrade.
Does my Policy cover trip cancellation or interruption because the Policyholder's intended destination has reported incidents of COVID 19 or any other Pandemic?
Trip cancellation or interruption benefits are not available when the intended destination has reported incidents of COVID 19 or any other Pandemic, unless your Policy included a CFAR upgrade. A full list of unforeseen covered reasons for trip cancellation and trip interruption, along with general exclusions, is found in your policy document. We encourage you to file a claim that will be assessed in accordance with the facts of each case, your individual circumstances and the Policy language.
Does my Policy cover trip cancellation or interruption because the Policyholder's intended destination is the subject of a CDC Travel Warning?
Trip cancellation or interruption benefits are not available because the intended destination is the subject of a CDC Travel Warning, unless your Policy included a CFAR upgrade. A full list of unforeseen covered reasons for trip cancellation and trip interruption, along with general exclusions, is found in your policy document. We encourage you to file a claim that will be assessed in accordance with the facts of each case, your individual circumstances and the Policy language.
Does my Policy cover expenses if the Policyholder is physically quarantined while travelling, whether there is an operable forseeability date triggering or precluding said coverage?
If the Policy was purchased on or before January 21, 2020, Trip cancellation or Trip interruption benefits may be available to cover expenses if the Policyholder is physically quarantined while traveling.
If I am travelling to a US State that has implemented that inbound travelers are required to self quarantine for 14 days or the duration of my visit, whichever is shorter, do I have coverage?
If you depart on the trip and once you get there, you are quarantined, you may have coverage under Trip Interruption or under Travel Hazard if your trip delay is caused by or resulted from such an order, provided you purchased your policy prior to March 21st, 2020.
If my state or my trip destination has implemented a “shelter in place” or a “stay at home” order, is that considered quarantine? And am I covered?
There are no benefits under the policy for shelter in place or stay at home orders issued as they are not considered quarantines as defined by the CDC or the Code of Federal Regulations. These orders are intended to prevent further spread of COVID-19 in a community. Unlike quarantines that completely prohibit the movement of individuals, there are many exceptions provided under these orders that permit people to leave their homes for essential activities including (but not limited to) seeing a doctor for medical care, grocery shopping, pick up carry-out from restaurants, and outdoor exercising like biking or jogging – while practicing social distancing. Furthermore, these circumstances do not require individuals to have been exposed to the virus and therefore required to be quarantined.
I am traveling internationally and I’m told that upon arriving at my destination I will be quarantined. Therefore I wish to cancel my trip. Am I covered?
Unless your plan included Cancel For Any Reason upgrade, coverage under Trip Cancellation due to the anticipation of being quarantined is not available since the quarantine trigger requires a traveler to be physically quarantined while traveling for benefits to apply. For these cases we recommend the traveler contact their travel provider to secure a date change or credit for future travel.
Does my Policy provide medical coverage if the Policyholder contracts the virus while traveling, including whether there is an operable forseeability date triggering or precluding said coverage?
Emergency Medical Treatment benefits may be available under the Policy if the Policyholder contracts the virus while traveling regardless of the date of travel. Additionally, Emergency Medical Evacuation benefits may be available if it is determined that transportation to a higher level of care is necessary as a result of contracting the virus while traveling.
If my flight is cancelled because the airline is not flying to areas where there are Coronavirus cases, am I covered?
There is no coverage for the canceled flight under the travel insurance policy if the airline cancels your flight due to Coronavirus, unless your Policy included a Cancel For Any Reason upgrade. You may have coverage under the Trip Delay benefit for additional meals and hotel expenses are incurred if your flight is cancelled on your scheduled departure date or during your trip, and you purchased your policy prior to January 21, 2020. Always check with air carriers to understand cancellation and change policies. There is no coverage under the policy if your flight to or from your destination is cancelled due to Coronavirus. However, we suggest you contact the airline to seek a refund for your flight. Should you have other unused, non-refundable, pre-paid trip costs, consult the “Unforeseen Covered Reasons” portion of your insurance policy. We encourage you to file a claim that will be assessed in accordance with the facts of each case, your individual circumstances and the Policy language.
My tour operator cancelled my tour because of the Coronavirus outbreak. Is this covered?
Unless your plan included Cancel For Any Reason upgrade, there is no coverage under the policy for this circumstance. You should seek a refund from your tour operator and other travel suppliers.
Please note, that if your plan includes the Cancel For Any Reason Benefit, it does not cover penalties associated with any air or other travel arrangements not provided by Travel Supplier or the failure of Travel Supplier to provide the bargained-for Travel Arrangements due to cessation of operations for any reason.
Insurance coverages described above are underwritten by Arch Insurance Company, NAIC #11150, under policy series LTP 2013 and endorsements thereto. Policies are administered by Arch Insurance Solutions, 1-855-286-8349, CA License #0I18111, TX License #1787195. Your policy is the contract that specifically and fully describes your coverage. Certain restrictions and exclusions apply and coverages may vary in certain states. Please refer to your policy for detailed terms and conditions.
For more information on COVID-19, please visit the World Health Organization’s website at https://www.who.int/emergencies/diseases/novel-coronavirus-2019, or the CDC’s website at https://wwwnc.cdc.gov/travel/notices/alert/novel-coronavirus-china, or consult your medical professional.