Insurance for Coronavirus
Coronavirus & Cruises – A few of the Common Traveler Questions
If I get sick and quarantined on a cruise ship, does travel insurance cover me? Possibly. Companies have different requirements for what is considered “quarantined”, so it is important to read your policy or call to clarify coverage.
If I get sick with coronavirus on a cruise ship, who pays my medical bills? If a traveler gets sick on a cruise ship and requires medical care, he or she may be able to file a claim with their travel insurance company to request reimbursement. It is important to keep all receipts and detailed documentation related to medical care received while on your trip.
If my cruise line cancels a cruise due to coronavirus, does travel insurance cover me? We recommend that the traveler try to work with the cruise line, airline or tour operator to see if any refund is being offered by them first.
What if I’m afraid to go on an upcoming cruise due to coronavirus? Coverage is very limited, as typical travel insurance policies don’t cover fear of travel unless the traveler has purchased a plan with optional CFAR-Cancel for Any Reason! We have two of the best CFAR policies on the market that also include Interruption for Any Reason!
Cancel for Any Reason Benefit If You cancel Your Trip for any reason not otherwise covered by this Policy, benefits will be paid for seventy-five percent (75%) of the Prepaid, forfeited, non-refundable Payments or Deposits You paid for Your Trip provided: (a) Your Payment or Deposit for this Policy and enrollment form are received twenty (20) days of the date Your initial Payment or Deposit for Your Trip is received; and; (b) You insure one hundred percent (100%) of the Prepaid Trip costs that are subject to cancellation penalties or restrictions and also insure within twenty (20) days of the Payment or Deposit for those Travel Arrangements the cost of any subsequent Travel Arrangements (or any other Travel Arrangements not made through Your travel agent) added to Your Trip; and (d) You cancel Your Trip two (2) days or more before Your Scheduled Departure Date.
Interruption for Any Reason Benefit If You interrupt Your Trip, forty-eight (48) hours or more after Your actual Departure Date, for any reason not otherwise covered by this Policy, benefits will be paid, up to: seventy-five percent (75%) of the total amount of coverage You purchased, to reimburse You for the Prepaid Payments or Deposits for unused non-refundable land or water Travel Arrangements. These benefits will not duplicate any other benefits payable under the Policy or any coverage(s) attached to the Policy.
Not all Trip Cancellation Plans are the same! If you are needing assistance on how to navigate the many different insurance policies, we invite you to connect with our licensed Travel agents at Globalhealthinsurance.com.