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Travel Insurance Coverage COVID-19

Travel Insurance Coverage COVID-19

Old Mar 26, 20, 1:10 am
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Join Date: Jun 2005
Location: HKG
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Travel Insurance Coverage COVID-19

Below is a useful FAQ from local travel insurance provider Chubb on what can or cannot be claimed as a guide if your outbound trips have been impacted by COVID-19. As a disclaimer, other insurance providers may have different coverage so this is just a reference point.

Chubb considers the coronavirus contracted in Mainland China as epidemic and regarded as a “known event” effective 31 January 2020, which an insured person should mitigate against by not travelling to the affected areas, as the claim will not be covered.

1. If I want to cancel or rearrange my travel plan due to the new coronavirus, can I make a claim for my loss?
If you need to cancel your trip due to your unexpected compulsory quarantine within 90 days prior to departure, you can make a claim if “unexpected compulsory quarantine of an Insured Person” is an insured peril under Trip Cancellation section of your insurance policy.

If your single-trip policy is purchased before 31 January 2020, or travel arranged under an annual policy before that date and you need to curtail your trip or rearrange your trip in Mainland China due to the new coronavirus, you can make a claim if “epidemic” is an insured peril under Trip Curtailment or Trip Re-route / Trip Re-arrangement section of your insurance policy.

For travel destination other than Mainland China, if you make personal decision to cancel or rearrange your trip, the claim would be outside policy coverage. For example, if you are worried about the current situation and would like to cancel a trip to Thailand departing 3 days later, the resulting loss would not be covered by travel insurance.

2. If my trips are forced to cancel as being refused to enter the immigration of the travel destinations, can I make a claim for my loss?

The above situation is not one of the insured perils under the Trip Cancellation section; also prohibition or regulation by any government, or detention or destruction by customs or any authority is a general exclusion of the policy. Therefore such loss would not be covered by travel insurance.

3. If at the end of my trips I could not return to Hong Kong as scheduled as a result of government or custom prohibition or regulation, can I make a claim for my loss?

In the above circumstances, we will extend the insurance period of your policy until you return to Hong Kong with maximum 7-10 days without additional charges according to the Extension section of your policy.

4. If I am now in Mainland China, and I am forced to stay there because of the closure of airport, can I be protected?

In the above circumstances, we will extend the insurance period of your policy until you return to Hong Kong with maximum 7-10 days without additional charges according to the Extension section of your policy. In addition, if your single-trip policies are purchased before 31 January 2020, or travel arranged under an annual policy before that date, then you can make a claim if “airport closure” is an insured peril under Travel Delay section of your insurance policy.
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