Because the introduction of COVID-19, a lot of vacation travel has come to a halt, with numerous cancellations of flights, cruises, accommodations and other travel arrangements.
The Maine Bureau of Insurance coverage alerted housebound prospective travelers Friday that most travel insurance coverage they might have bought in advance does not cover cancellations due to a pandemic.
“For those trying to prepare trips later on this year and into next, this is an important point to keep in mind,” said state Insurance Superintendent Eric Cioppa in a news release. “Epidemic and pandemic coverage is typically omitted from travel insurance coverage.”
With a lot of typically purchased travel insurance plan, that suggests those who prepare a trip and after that cancel due to the fact that they are merely concerned about the possibility of getting ill will not get settlement through their travel insurance policy.
For those prevented from traveling due to an illness aside from a pandemic-related disease, the most common policies will likely offer coverage, the bureau said. Likewise, those who get sick during their travels with a health problem aside from a pandemic-related health problem might be covered.
In the case of the current coronavirus pandemic, airlines have actually voluntarily made arrangements for ticket holders to change their plans without paying a charge, and hotels, inns and rental accommodations generally have cancellation timelines during which all or a portion of funds will be returned, the release said. For those preparing future journeys, careful review of those contractual timelines must assist.
“Remember, don’t count on travel insurance to cover all contingencies, and examine the language in any policy you are considering to be clear about what is and is not covered,” Cioppa said.