COVID-19 & TravelSafe Insurance FAQs

Here is what you need to know about your TravelSafe Insurance plan and COVID-19. We are aware various governments have restricted travel, and this may affect your current and future travel plans. Be sure to reference our FAQs along with your certificate for accurate information.

COVID-19 is treated the same as any other sickness for purposes of all coverages that are triggered by a sickness or that can reimburse losses resulting from a sickness –– including deaths caused by sickness. Depending on the plan design, this can include:

  • Trip Cancellation
  • Trip Interruption
  • Sickness Medical Expense
  • Emergency Medical Evacuation/Medical Repatriation/Return of Remains

TravelSafe’s travel protection plans don’t exclude pandemics or epidemics. Our plans do have exclusions and limitations just like any other insurance plan however pandemics and epidemics are not one of them. Just because we don’t exclude pandemics and epidemics doesn’t mean that someone can cancel due to a pandemic or epidemic. The same limitation and exclusions that apply to all claims also apply to claims related to COVID-19, including the Exclusion for Pre-existing Conditions. Most TravelSafe plans offer a Waiver of the Exclusion for Pre-existing Condition but not all. Our Basic Vacation Protection Plans only offers a Waiver when sold to residents of FL, KS, MO, VA & WA.

Please note that the same rules that govern all pre-existing conditions also apply to COVID-19. In most states, they are as follows:

  • The exclusion for Pre-Existing Conditions will be waived if your payment or deposit for your plan is received within 21 days (15 days for Group plans) of the date your initial payment or deposit for your trip is received. You must not be disabled from travel at the time of purchase.
  • “Pre-Existing Condition” means an illness, disease, or other condition during the 60 day period immediately prior to the date the insured’s coverage is effective for which the insured or the insured’s traveling companion, business partner or family member scheduled or booked to travel with the insured:
    1. received or received a recommendation for a test, examination, or medical treatment for a condition which first manifested itself, worsened or became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or
    2. took or received a prescription for drugs or medicine. Item 2 of this definition does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 60 day period before coverage is effective under the Plan.

Not necessarily. It’s important to remember that in order to be covered by your TravelSafe plan, you must cancel your trip for a covered reason or you must have qualified for and purchased the Cancel For Any Reason option. Covered reasons include but are not limited to:

  • Sickness (as mentioned in question 1, includes COVID-19)
  • Death
  • Quarantine
  • Called to military duty for a national disaster other than war
  • Family or friends unable to provide accommodations due to life-threatening illness or death (excludes Basic)
  • Primary or secondary school continues classes beyond the predefined school year* (N/A in all states)
  • Being required to work during the trip*
  • Being laid off or fired from your job (excludes Basic plan). Employment must have been with the same employer for at least 1 continuous year.
* Excludes Basic & Group plans

Trip cancellation is effective until the scheduled departure date and time of your trip. If you are unable to continue your trip for a covered reason, but travel has begun, you may qualify for trip interruption.

If the government of a country that you are traveling to is requiring all travelers to the country to be quarantined for a period of time upon entry into the country, you may be eligible for Trip Cancellation coverage – provided the quarantine that you would face is in effect within 14 days of your scheduled departure date. Or, if you have already departed on your trip but have not yet entered the country that is requiring all arriving travelers to be quarantined, there may be coverage for Trip Interruption – provided the quarantine that you would face is in effect within 14 days of your scheduled arrival in that country. As this is an extension of the normal Trip Cancellation and Trip Interruption coverages, all claims would need to be thoroughly reviewed to verify what costs are eligible to be reimbursed, and all related documentation would need to be submitted in order to ensure eligibility.

TravelSafe plans include but are not limited to the following covered reasons –– all of which could be triggered directly or indirectly by the COVID-19 pandemic:

  • Sickness
  • Death
  • Government mandated shut down of an airport or air traffic control system*
  • Quarantine
  • Called to military duty for a national disaster
  • Family or friends unable to provide accommodations due to life-threatening illness or death (excludes Basic)
  • Primary or secondary school continues classes beyond the predefined school year* (N/A in all states)
  • Being required to work during the trip*
  • Being laid off or fired from your job (excludes Basic plan). Employment must have been with the same employer for at least 1 continuous year.

* Excludes Basic & Group plans

TravelSafe’s travel protection plans don’t exclude pandemics or epidemics. Travel protection can help with costs incurred due to emergency medical treatment or unexpected sickness, including COVID-19.

COVID-19 is treated the same as any other sickness for purposes of all coverages that are triggered by a sickness or that can reimburse losses resulting from a sickness –– including deaths caused by sickness. Depending on the plan’s specific design, this can include:

  • Trip Cancellation,
  • Trip Interruption,
  • Sickness Medical Expense,
  • Accident and Sickness Medical Expense
  • Emergency Medical Evacuation/Medical Repatriation/Return of Remains

Although fear of contracting COVID-19 is not a covered reason for Trip Cancellation, TravelSafe offers a Cancel for Any Reason (CFAR) option, This option is available at time of plan purchase for an additional cost if the plan is purchased within 21 days (15 days for Group plans) of the date your initial trip deposit is received (CFAR is not available on our Basic plans or to residents of NY). To use the CFAR benefit travel must be canceled at least two or more days before your scheduled departure date. Since ours is a true Cancel For Any Reason, without any exclusions, this would include canceling if you no longer want to travel due to COVID-19.

Additionally, you may experience travel delays due to COVID-19. Should these delays be for a covered reason, such as a certified Delay of Common Carrier or you and/or your traveling companions are quarantined, Travel Delay and Missed Connection benefits may be triggered. For these separate benefits to go into effect the following must occur:

  • For Travel Delay, an insured must be delayed 6 hours or more while en route to/from or during a trip due to a covered reason.
  • For Missed Connection, an insured must miss a cruise or tour departure because their arrival at their trip destination is delayed for 3 hours or more due to a covered reason.
  • In all cases, the triggering event must occur while coverage is in effect.

See questions 3 and 5 for complete details on Trip Cancellation and Trip Interruption.

TravelSafe’s travel protection plans don’t exclude pandemics or epidemics. Travel protection can help with costs incurred due to emergency medical treatment or unexpected sickness, including COVID-19.

COVID-19 is treated the same as any other sickness for purposes of all coverages that are triggered by a sickness or that can reimburse losses resulting from a sickness –– including deaths caused by sickness. Depending on the plan’s specific design, this can include:

  • Trip Cancellation,
  • Trip Interruption,
  • Sickness Medical Expense,
  • Accident and Sickness Medical Expense
  • Emergency Medical Evacuation/Medical Repatriation/Return of Remains

Although fear of contracting COVID-19 is not a covered reason for Trip Cancellation, TravelSafe offers a Cancel for Any Reason (CFAR) option, This option is available at time of plan purchase for an additional cost if the plan is purchased within 21 days (15 days for Group plans) of the date your initial trip deposit is received (CFAR is not available on our Basic plans or to residents of NY). To use the CFAR benefit travel must be canceled at least two or more days before your scheduled departure date, Since ours is a true Cancel For Any Reason, without any exclusions, this would include canceling if you no longer want to travel due to COVID-19.

See questions 3 and 5 for complete details on Trip Cancellation and Trip Interruption.

Our plans do not have Trip Cancellation coverage for a supplier cancelation. Contact your travel supplier to see what your options are with regards to refunds and/or future credit. For more information on what is covered by TravelSafe, reference “Is COVID-19 covered by TravelSafe travel protection plans?”

If your travel supplier cancels your trip, a benefit can be paid up to a maximum of $150 for the reissue fee charged by the airline for the tickets. You must have covered the entire cost of your trip including the airfare cost.

If you purchased the Cancel for Any Reason optional benefit with your TravelSafe plan, then the standard rules that apply to Cancel for Any Reason coverages apply. You must have purchased your plan within 21 days of the date your initial trip deposit or payment for your trip was received and you must cancel your trip two or more days before your scheduled departure date. If you meet these conditions then yes you would be eligible to be reimbursed up to 75% of the non-refundable trip cost(s).

TravelSafe Insurance plans give travelers the freedom to choose where they travel to, with few exceptions. Your coverage will not be affected because of a travel warning or advisory. Regardless of whether or not you choose to travel against recommendations from WHO, CDC, or the U.S. Government.  You should carefully weigh the risks and be sure to travel safe. Cancellation solely due to an advisory is not a covered reason.

Travelers who received a future travel credit for a trip cancelled because of COVID-19, who are not currently insured with TravelSafe, can purchase a TravelSafe plan. Simply include the value of your travel credit that was paid for in cash as a part of your insured trip cost covered by the new plan. Credits that were not paid in cash can not be insured.

Travelers who received a future travel credit for a trip cancelled because of COVID-19 can ask to change the date of their trip and adjust the coverage. Simply include the value of your travel credit as a part of your insured trip cost covered by the new plan.

Here is what you need to do:

  • Email edits@travelsafe.com
  • Include your Certificate Number, Name, and contact number.
  • State whether you are opting to place a hold on your policy for credit on a future travel date or cancelling your policy.
  • Provide documentation that proves you are not receiving a penalty from your travel supplier, and are being given a full refund or future travel credits.

You should reach out to the 24-Hour Emergency Assistance team who are here to help you out in a crisis; the team may have information on how to leave the country you are visiting and keep you posted on any government measures to return Americans home.

TOLL FREE (U.S. and Canada only)
1-800-461-6920

WORLDWIDE
1-317-582-2629

COLLECT
1-317-818-2809

COVID-19 is treated the same as any other sickness for purposes of all coverages that are triggered by a sickness or that can reimburse losses resulting from a sickness –– including deaths caused by sickness.

“Covered Expense” means expense incurred only for the following:

  1. The medical services, prescription drugs, therapeutic services ordered or prescribed by a legally qualified physician as medically necessary for treatment;
  2. Hospital or ambulatory medical-surgical center services (including expenses for a cruise ship cabin or hotel room, not already included in the cost of the your trip, if recommended as a substitute for a hospital room for recovery from a covered accidental injury or covered sickness);
  3. Transportation furnished by a professional ambulance company to and/or from a hospital

You may reach out to the 24-Hour Emergency Assistance team who are here to help you out in a crisis; the team may have information on how to seek medical treatment and arrange advance payment to a hospital if needed to secure your admission into a hospital.

TOLL FREE (U.S. and Canada only)
1-800-461-6920

WORLDWIDE
1-317-582-2629

COLLECT
1-317-818-2809

Sickness, including COVID-19, is a covered reason for cancellations, provided that a legally qualified physician recommends that you cancel travel plans for your health. You may also qualify for Trip Cancellation if you or a traveling companion are placed under quarantine prior to your departure.

Yes. TravelSafe plans do not treat COVID-19 any differently than any other event.

Regardless of the terms of the plan, TravelSafe Insurance’s underwriter, United States Fire Insurance Company, has made the administrative decision to allow for coverage to be extended for the entire duration of COVID-19 related quarantine. In addition, coverage will be extended for five additional days following the end of the quarantine provided you have not arrived back in your return destination city.

The State Department’s decisions to issue travel advisories for certain countries, President Trump’s decision to bar foreign nationals (who had been in one of the applicable European countries within the prior 14 day period) from entering the United States, and the World Health Organization’s decision to declare COVID-19 to be a pandemic do not trigger coverage under any TravelSafe plan with travel insurance underwritten by US Fire– except for Cancel for Any Reason coverage if they are included in your plan. The standard rules that apply to Cancel for Any Reason coverage must still be met.

The fact that incidents of COVID-19 have been reported at your destination is not sufficient – in and of itself – to trigger coverage for Trip Cancellation or Trip Interruption. If you have a plan that includes coverage for Trip Cancellation and/or Trip Interruption, you must cancel or interrupt your trip due to a covered reason (as discussed in questions 4, 5, and 6). The covered reasons most likely to apply are described above. Fear of contracting the coronavirus alone is not a covered reason for Trip Cancellation or Trip Interruption coverage. If your plan includes Cancel for Any Reason, benefits would be payable (subject to the standard rules that apply to this coverage).

The CDC’s decision to issue a travel warning for a destination on your trip is not sufficient – in and of itself – to trigger coverage for Trip Cancellation or Trip Interruption. If you have a plan that includes coverage for Trip Cancellation and/or Trip Interruption, you must cancel or interrupt your trip due to a covered reason (as in questions 4, 5, and 6). The covered reasons most likely to apply are described above. Fear of contracting the coronavirus alone is not a covered reason for Trip Cancellation or Trip Interruption coverage. If your plan includes Cancel for Any Reason, benefits would be payable (subject to the standard rules that apply to this coverage).

No. If you have a plan that includes coverage for Trip Cancellation and/or Trip Interruption, you must cancel or interrupt your trip due to a covered reason.  As discussed above if your plan includes Cancel for Any Reason coverages, benefits would be payable (subject to the standard rules that apply to this coverage).

You may reach out to the 24-Hour Emergency Assistance team who are here to help you out in a crisis; the team may have information on how to leave the country you are visiting and keep you posted on any government measures to return Americans home. See contact information and numbers under #13 & #14

If you are delayed by a common carrier while en route to the final return destination of your trip and have placed your cat or dog in a kennel for the duration of your trip and you are unable to collect your cat or dog on the day previously agreed with the kennel, benefits can be paid up to $100 per day, up to the maximum benefit amount to cover the necessary additional kennel fees.

You must provide the following documentation when presenting a claim for these benefits:

  1. Written confirmation of the reasons for delay from the common carrier whose delay resulted in the loss, including but not limited to; scheduled departure and return times and actual departure and return times;
  2. Written confirmation from the kennel advising the original pick-up date and the actual pick-up date.

This coverage is not available in all states and not included in Basic & Group plans

A cancellation due to an insured’s reasonable fear of contracting COVID-19, supported by a physician’s note advising the insured or a traveling companion not to travel due to an underlying condition (or any other reason), would not be covered unless the insured’s plan includes CFAR.

This is a brief summary of certain coverages included within TravelSafe’s Basic and Classic travel protection plans. Insurance benefits in each of these plans are subject to the terms, conditions, limitations and exclusions of the plan, including an exclusion for pre-existing conditions. Please see the plan document for complete details. Coverage may vary or may not be available in all states. Consumers in California may contact the California Department of Insurance Hotline: 1-800-927-4357 (TravelSafe Insurance dba Chester Perfetto Agency, Inc is licensed in the State of California, License #OC32142) . Consumers in Maryland may contact the Maryland Insurance Administration: 1-800-492-6116 or 410-468-2340. The plans described above include insurance underwritten by the United States Fire Insurance Company under form series TP-210 and TP-401. All plans also include non-insurance assistance services provided by Seven Corners, Inc. Individuals looking to obtain additional information regarding the features and pricing of each travel plan component, please contact TravelSafe.