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Global Benefits
 Coronavirus Update 


Coronavirus 2020

by U.S. State Department | March 19, 2020

U.S. State Department Issues Global Level 4 Health Advisory: Do Not Travel Abroad

by Global Benefits USA | Feb 24, 2020

If you are traveling to a country that has been affected by the Coronavirus or are concerned about traveling abroad due to the virus, it is highly recommended that you purchase Trip Protection Coverage and make sure that you purchase a policy that includes the CANCEL FOR ANY REASON (CFAR) benefit.  All Trip Protection plans have a list of "Covered Reasons" and cancelling a trip (and expecting a refund from the insurance company) due to a concern about traveling to an affected country...IS NOT a covered reason.  If you purchase a policy with the CANCEL FOR ANY REASON (CFAR) benefit and you cancel your trip prior to departure, due to your concern about the virus, then you MAY be eligible (depending on travel destination) to receive up to a 75% reimbursement for your pre-paid trip expenses, that are subject to cancellation fees & penalties.

CLICK HERE for more information.  If you have any questions please contact us a 888.541.7776 or james@globalbenefitsusa.com


by Travel Insured | Feb 24, 2020

The Centers for Disease Control and Prevention (CDC) is closely monitoring developments with the Coronavirus. The outbreak of the Coronavirus was first reported on December 31, 2019 in Wuhan.

Countries in the affected regions, and areas with reported incidents, continue to be eligible destinations. Should travelers become ill with the Coronavirus while traveling, coverage may be available for Emergency Medical, Medical Evacuation, or Trip Interruption.

Travel Insured previously advised that there would be no coverage under our plans due to the coronavirus, except for CFAR and IFAR.  It remains true that the State Department’s decision to issue a travel advisory of level 4 for China, or any other country, does not trigger coverage, nor does a fear to travel due to the virus.  However, it has come to our attention that the coronavirus may be causing individuals to be quarantined and flights to be delayed.  With this in mind there may be coverage including Trip Cancellation if a common carrier delay causes an insured to miss more than 50% of his or her trip.  The coverages that could be implicated beyond CFAR and IFAR include the following:

Travel Delay - An insured traveler must be delayed for the time sensitive period while en route to, from, or during a trip due to a covered reason.

Missed Connection - If a delay causes you to miss a cruise or tour departure due to a covered reason, you may have coverage under Missed Connection.  The delay must meet the time sensitive criteria listed in your plan.

The delay of a common carrier can be included as one of the covered reasons for Missed Connection. Thus, if a common carrier delay causes an insured to miss more than 50% of his or her trip, Trip Cancellation or Interruption coverage could apply.

Trip Cancellation and Interruption - An insured traveler must cancel or interrupt their trip due to a covered reason.  One covered reason for Trip Cancellation or Interruption that could apply is quarantine.  Another covered reason is if your arrival on the trip is delayed and causes you to lose 50% or more of your scheduled Trip duration, due to the reasons covered under the Missed Connection Benefit.

If your travel supplier cancels your trip, the Trip Cancellation benefit may pay for the reissue fee charged by the airline for the tickets. You must have insured the entire cost of your trip including the airfare cost.

Cancel for Any Reason - Some travelers may prefer to cancel their trip out of concern for the Coronavirus. For insured travelers who purchased Cancel for Any Reason coverage, we remind you that cancellations must be made 48 or more hours prior to scheduled departure and payment is limited to 75% of the non-refundable trip cost up to the stated plan maximum limit.

Every Travel Insured plan also includes Non-Insurance Emergency Travel Assistance Services available 24/7 to help travelers whenever they are in need of assistance during their trip.

This statement only provides a general summary. Please refer to your actual plan document for the specific terms and conditions of the specific plan purchased as eligibility for coverage varies based upon the specific plan terms, conditions and limitations, and may vary by state or may not be available in all states. Travel Insured recommends travelers purchase proper travel protection plans in case of unforeseen circumstances and to know where to go and where not to go during their travels.

If your travel supplier cancels your trip, the Trip Cancellation benefit may pay for the reissue fee charged by the airline for the tickets. You must have insured the entire cost of your trip including the airfare cost.

Cancel for Any Reason - Some travelers may prefer to cancel their trip out of concern for the Coronavirus. For insured travelers who purchased Cancel for Any Reason coverage, we remind you that cancellations must be made 48 or more hours prior to scheduled departure and payment is limited to 75% of the non-refundable trip cost up to the stated plan maximum limit.

Every Travel Insured plan also includes Non-Insurance Emergency Travel Assistance Services available 24/7 to help travelers whenever they are in need of assistance during their trip.

This statement only provides a general summary. Please refer to your actual plan document for the specific terms and conditions of the specific plan purchased as eligibility for coverage varies based upon the specific plan terms, conditions and limitations, and may vary by state or may not be available in all states. Travel Insured recommends travelers purchase proper travel protection plans in case of unforeseen circumstances and to know where to go and where not to go during their travels.