***If you are on a postponed tour, then we will update your RoamRight insurance to your new travel dates once you confirm your place on a 2022 tour. Click here to read the details about coverage.
***If you don’t currently have insurance, then award-winning travel insurance specialists SquareMouth helps travelers search, compare, and buy the best travel insurance for the lowest price. They offer excellent customer support and can help you find the best policy for your trip. Click here for a walk-through on how to choose a policy. If you need assistance in purchasing a policy, call our office at (800) 303-5534 and we will assist you. For other questions relating to Covid and travel insurance, please click here.
In this post Covid time, we know all are concerned about protecting against cancellation related to Covid issues. We hope the following information will aid you in making the best insurance decision for your particular situation. Travel insurance is purchased for 3 primary reasons:
1. Reimbursement of cancellation penalties
2. Provision of Medical coverage while traveling outside the United States
3. Reimbursement for things like travel delays and lost baggage
Covered reasons for cancellation mainly pertain to unexpected medical emergencies involving you, someone in your immediate family or a travel companion. An example of this might be suffering an injury, receiving a diagnosis that prevents travel or your death, the death of traveling companion or a family member. All these claims have to be substantiated by a doctor and will be valid reasons for 100% reimbursement. Most policies list a few more covered cancellation reasons like jury duty, quarantine, house made uninhabitable by fire or natural disaster, etc. Usually included are benefits like medical evacuation or repatriation of remains, accident or sickness medical expenses.
The insurance premium one pays is based on cost of trip, length of trip and travelers age. It is also affected by inclusions such as “Cancel for Any Reason.” This inclusion may increase the premium by up to 40% and will only reimburse up to 75% of the money paid. Insurance with this inclusion usually must be paid within two weeks of the initial deposit for the trip and include all non refundable trip costs. “Cancel For Any Reason” can provide cancellation coverage for any situations related to coronavirus that are not otherwise covered by a standard travel insurance policy, including fear of traveling, border closures, or travel bans.