Travel Insurance - Coronavirus

​Dear Clients:
 
We have had many clients reach out concerned over their upcoming travel.  #TeamWashwick has your covered.  
 
Few things to note about travel insurance with AIG/Travelguard:
 

• Canceling your trip due to the Coronavirus fear may not be covered under travel insurance.  Generally fear is not a covered event.
• There may be options to "rebook" your trip to avoid loss of $!
• Check out "Unforseen Covered Reasons" portion of your travel policy to list reasons for Trip Cancellation or Trip Interruption.
• Always review before purchasing travel insurance the General Exclusions.
• Residents of New York need to pay CLOSE attention to policy details.
• If an airline cancels your flight due to Coronavirus to or from your destination there would be no coverage under the insurance policy. You will need to seek reimbursement from the airline. 
• Even though cancellation of flight isn't covered you may be eligible for insurance premium refund or travel insurance voucher.  
• Cruise ships- we suggest purchasing if available "CFAR" - Cancellation for Any Reason.  You could be covered for a percentage of loss- based upon what you purchased if you cancel the trip.  
• CFAR must be purchased 48 hours prior to departure.

 
Now.. the KEY to many of the questions?
 
·         Am I covered if I contract Coronavirus? If you contract Coronavirus prior to your departure, you would be covered for Trip Cancellation if there is a confirmed diagnosis, including proof of illness from your doctor that states you are medically unable to travel at the time of departure. If you become ill with Coronavirus while on a covered trip, you would be covered for Medical Expense and Trip Interruption/Curtailment benefits if there is a confirmed diagnosis, including proof of illness from a doctor. These coverages are subject to the terms and conditions of your insurance policy. Please click here to access a copy of your insurance policy.
What happens if I am quarantined due to Coronavirus while on a trip? If you are quarantined as a result of Coronavirus, you would be covered under the Trip Interruption/Curtailment benefit, subject to the terms and conditions of your insurance policy. Please click here to access a copy of your policy.
 
How do you purchase a Travel Insurance Policy?
- First, #TeamWashwick recommends seeing if you can save a little money and contact your Credit Card Company regarding coverage of your airfare, lodging and non-refundable portions of your trip.  They might have you covered!
-Secondly, #TeamWashwick recommends checking if you are covered under your current Medical policy.  Most do not cover you out of the country.
- Third, #TeamWashwick recommends quick and easy quoting and binding of policy through our website portal:
https://www.washwick.com/travelinsurance.html
There are several plan options.  We have attached the 3 most popular Policy Outlines for review prior to purchase.
If you need any help don't hesitate to contact #TeamWashwick.
 
Safe & HAPPY travels-