Yonder travel insurance company provides a simple explanation of standard travel insurance coverage here. For more details, call your agent as soon as possible.
“If you already have a travel insurance policy, there is limited trip cancellation coverage if you choose to cancel your trip due to an outbreak, or fear of an outbreak, of the coronavirus at your destination. Pandemics and epidemics are generally excluded from trip cancellation coverage. The virus was considered a “foreseen” event as early as January 21 and each major travel insurance providers have released position statements regarding even more restrictions since that date.
“The only type of coverage that is sure to provide some type of reimbursement to cancel would be a specific type of coverage called Cancel for Any Reason or CFAR. This benefit allows you to cancel your trip for any reason at all and receive a 50-75% refund of your insured trip cost. To qualify for this benefit, the traveler must 1) purchase their policy within 14-21 days from the initial deposit or payment date, 2) insure all their non refundable trip expenses, and 3) cancel at least 48 hours prior to their departure date.”
If you get COVID-19 disease before you travel, we are so sorry and hope you recover soon.
“Most travel insurance policies would still provide coverage to cancel your trip due to a new medical condition that causes you to cancel your trip. You may also be covered to cancel or interrupt your trip if you are quarantined or subject to a mandatory evacuation issued by the government. Medical expenses or emergency medical evacuations would likely be covered if you were to contract a virus during your trip.”