Travel Insurance
COVID-19 FAQ's

Are you hoping to book your dream vacation, but worry about the unexpected, especially because of current concerns with COVID-19 and the possibility of quarantine? Our Travel Protection Plan may protect you from these events, so you can travel with confidence.

The Future Travel Certificate described within is provided by the Travel Corporation, dba Grand European Travel.

WHAT TYPE OF TRIP CANCELLATION COVERAGE DO I HAVE?
If you need to cancel for any reason and purchased the Travel Protection Plan, you will receive reimbursement in the form of a Future Travel Certificate from your Travel Provider equal to 100% of the cancellation charges. 

If you have the Travel Protection Plan and need to cancel your trip due to a covered reason, you may be eligible for cash reimbursement up to 100% of your total trip cost. If you have purchased the Travel Protection Plan and your trip is interrupted due to a covered reason* once travel has started, you may be eligible for cash reimbursement up to 150% of your total trip cost. A full list of covered reasons for trip cancellation coverage, along with general exclusions, is found in your state-specific plan documentation.

AM I COVERED IF I CONTRACT COVID-19?
You may be covered if you, a Traveling Companion* or a Family Member* contract COVID-19. If you contract COVID-19 after purchasing Travel Protection and are diagnosed prior to departure, the trip cancellation benefit may provide coverage if you need to cancel your trip. You will need to provide proof of sickness from your doctor and a statement that you are medically unable to travel.

If you contract COVID-19 once you’ve already started your trip, the trip interruption benefit may provide coverage if you need to interrupt your trip because you or a Traveling Companion* become sick. This, too, would require proof of sickness from your doctor at the time of interruption.

If you become sick with COVID-19 while traveling, your medical expenses may be reimbursed as well up to the benefit limits indicated in your plan.

*“Family Member” means any of the following: Your or Your Traveling Companion’s legal spouse (or common-law spouse where legal), legal guardian or ward, son or daughter (adopted, foster, step or in-law), brother or sister (includes step or in-law), parent (includes step or in-law), grandparent (includes in-law), grandchild, aunt, uncle, niece or nephew, Domestic Partner, Caregiver, or Child Caregiver.

*“Traveling Companion” means a person or persons whose names appear with Yours on the same Travel Arrangements and who, during Your Trip, will share accommodations with You in the same room, cabin, condominium unit, apartment unit or other lodging.

WHAT HAPPENS IF COVID-19 CAUSES ME TO BE QUARANTINED*?
If you are Quarantined* prior to your trip, the trip cancellation benefit may reimburse you for unused pre-paid, non-refundable trip costs. If you are Quarantined during your trip, the trip interruption benefit may reimburse you for missed, unused pre-paid non-refundable trip costs and additional transportation costs to return home or catch up to your trip.

If COVID-19 causes you to be Quarantined*, delaying your trip for 12 hours or more, you may be eligible for trip delay benefits which may reimburse additional expenses for transportation, meals and accommodations, as well as missed unused pre-paid, non-refundable travel arrangements (up to the limits indicated in the plan).

In each case, you would need to provide proof from a doctor or government authority verifying your need to quarantine, as well as receipts for any expenses incurred.

*Quarantine means the enforced strict isolation and confinement of You or Your Traveling Companion at a single location, for medical reasons, pursuant to an order by an official government authority, a lawfully authorized deputy of such authority, or a licensed practicing Physician, which prevents any interaction with other persons for a specified period of time not exceeding the incubation period for a contagious disease to which You or Your Traveling Companion have been exposed. Governmental orders imposing Prohibited Access, social distancing, self-isolation that does not meet all of the requirements set forth above, shelter in place, or stay at home requirements or recommendations do not constitute a Quarantine.

WHAT HAPPENS IF I AM AFRAID TO TRAVEL DUE TO THE CORONAVIRUS?
Fear of potentially contracting COVID-19 or fear of being Quarantined is not a covered reason to cancel your trip. However, if you have the Travel Protection Plan, you may be eligible for reimbursement in the form of a Future Travel Certificate issued by your Travel Provider for 100% of the cancellation charges. 

THE AREA I AM TRAVELING TO IN THE NEAR FUTURE HAS BEEN AFFECTED BY COVID-19. WILL I BE ABLE TO CANCEL MY TRIP AND BE REIMBURSED?
Canceling your trip solely because your destination has been affected by COVID-19 is not a covered reason under the trip cancellation benefit. A full list of covered reasons for trip cancellation coverage, along with general exclusions, is found in your state-specific plan documentation.
However, if you have the Travel Protection Plan, you may be eligible for reimbursement in the form of a Future Travel Certificate issued by your Travel Provider for 100% of the cancellation charges. 

THE U.S. STATE DEPARTMENT HAS ADVISED AGAINST NON-ESSENTIAL TRAVEL. AM I COVERED DUE TO THE U.S. STATE DEPARTMENT WARNING?
A cancellation due to a travel advisory is not a covered reason under the plan. A full list of covered reasons for trip cancellation coverage, along with general exclusions, is found in your state-specific plan documentation.

However, if you decide to cancel your trip due to a travel advisory, you may be eligible for certain coverages. If you have the Travel Protection Plan, you may be eligible for reimbursement in the form of a Future Travel Certificate issued by your Travel Provider for 100% of the cancellation charges. 

DOES TRAVEL PROTECTION COVER TRIP CANCELLATION OR INTERRUPTION BECAUSE MY INTENDED DESTINATION IS SUBJECT OF A CDC TRAVEL WARNING?
Trip cancellation or trip interruption benefits are not available in circumstances when the intended destination is the subject of a CDC Travel Warning. A full list of covered reasons for trip cancellation and trip interruption coverage, along with general exclusions, is found in your state-specific plan documentation.

However, if you decide to cancel your trip due to a CDC Travel Warning at your destination, you may be eligible for certain coverages. If you have the Travel Protection Plan, you may be eligible for reimbursement in the form of a Future Travel Certificate issued by your Travel Provider for 100% of the cancellation charges. 

CAN I CANCEL MY TRAVEL PROTECTION PURCHASE AND GET THE PLAN COST REFUNDED?
You are eligible for a refund of your plan cost during the free look period, which is 10 days from the time you purchase the plan, provided all the below conditions are met:
• You are within 10 days of plan purchase;
• You have not started your trip; and
• You have not filed a claim.

Your plan cost is not refundable after the free look period.

WHAT HAPPENS IF THE AIRLINE CANCELS MY FLIGHT DUE TO COVID-19?
If your trip has begun or if on your departure date your flight is delayed by the airline, or other common carrier, for 12 or more hours, the Travel Protection plan may reimburse travel delay expenses for items such as additional meals, accommodations and airfare.
If the airline carrier has made the decision to cancel your flight in advance of your departure date and you need to cancel your trip, there may be reimbursement available to you.

If you have the Travel Protection Plan, you may be eligible for reimbursement in the form of a Future Travel Certificate issued by your Travel Provider for 100% of the cancellation charges. 

WHAT HAPPENS IF I AM DIAGNOSED WITH COVID-19 WHILE ON MY TRIP AND REQUIRE AN EMERGENCY EVACUATION?
You may be covered if you are diagnosed with COVID-19 while on your trip and it is determined that emergency medical transportation to a higher level of care is necessary as a result. The Travel Protection plan provide a maximum benefit limit of $100,000 for emergency medical evacuation. These arrangements must be coordinated and approved by the Assistance Service Provider – CareFree Travel Assistance™.

AM I COVERED IF I HAVE RECENTLY BEEN IN CONTACT WITH SOMEONE WHO TESTED POSITIVE FOR COVID-19?
Contact with someone who is positive is not a covered reason for trip cancellation or trip interruption benefits UNLESS, you were placed under Quarantine* as a result of this direct contact/exposure. If you were to become sick and are diagnosed with COVID-19 by a Physician and are deemed medically unable to travel, you may be covered with proper documentation.

Additionally, if you have the Travel Protection Plan, you may be eligible for reimbursement in the form of a Future Travel Certificate issued by your Travel Provider for 100% of the cancellation charges. 

CAN I CANCEL MY TRIP IF MY STATE MANDATES A SELF-QUARANTINE PERIOD UPON RETURN FROM TRAVEL AND I CANNOT AFFORD TO MISS WORK?
Self-quarantine upon return from a trip is not a covered reason for trip cancellation under the plan.

However, If you have the Travel Protection Plan, you may be eligible for reimbursement in the form of a Future Travel Certificate issued by your Travel Provider for 100% of the cancellation charges. 

IF I AM DIAGNOSED WITH COVID-19 PRIOR TO MY SCHEDULED TRIP, HOW LONG DO I HAVE TO CANCEL AND BE COVERED FOR ANY PENALTIES I MAY INCUR?
Regardless of your reason for cancellation, all cancellation claims must be reported to Aon and your Travel Provider(s) within 30 days* of becoming aware that you are sick (or otherwise unable to travel) or as soon as reasonably possible, and prior to scheduled trip. Your sickness or reason for cancellation must occur after your Travel Protection plan purchase (Effective) date.
*State variation language may apply

This program was designed and is administered by Aon Affinity. Aon Affinity is the brand name for the brokerage and program administration operations of Affinity Insurance Services, Inc. (TX 13695); (AR 100106022); in CA & MN, AIS Affinity Insurance Agency, Inc. (CA 0795465); in OK, AIS Affinity Insurance Services, Inc.; in CA, Aon Affinity Insurance Services, Inc. (CA 0G94493), Aon Direct Insurance Administrators and Berkeley Insurance Agency and in NY, AIS Affinity Insurance Agency.

Travel insurance benefits are underwritten by Arch Insurance Company, with administrative offices in Jersey City, NJ (NAIC #11150), under Policy Form series LTP 2013 and applicable amendatory endorsements. This is a brief overview of the coverages. Subject to terms, conditions and exclusions. This is a general overview of insurance benefits available. Coverages may vary in certain states and not all benefits are available in all jurisdictions. Please refer to your certificate of benefits or policy of insurance for detailed terms, conditions and exclusions that apply.

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