Coronavirus (COVID-19) Outbreak and Travel Insurance—Important Information and FAQ’s for Customers

Yes. If you received a voucher or credit from a travel company based on previous payment for a booking that is being transferred to a new trip, the new trip can be covered by one of our travel protection plans.

If you, a family member or a traveling companion get sick from COVID-19 before or during your trip, you can be covered for Trip Cancellation, Trip Interruption, Travel Delay, Medical & Dental, and Emergency Assistance & Transportation, provided the plan you purchase includes those coverages.

Travel insurance also gives you access to 24/7 Travel Support during your trip and certain plans include access to telemedicine services while traveling.

Please read your Description of Coverage/Policy confirmation documents for coverage details.

We will accept a positive test result from a testing facility or a positive test result from an at-home test that meets certain requirements. You do not need to have COVID-19 symptoms to qualify for coverage.

If you were scheduled to depart on your trip between January 29, 2020 and March 31, 2022, and have not departed and will not travel or file a claim, you may be eligible for a travel insurance policy voucher to use at a later date. You can apply for a voucher now even if you have not yet scheduled a new trip. Visit generalitravel.com/voucher for details.

Voucher eligibility:

• Original trip departure date is between January 29, 2020 - March 31, 2022
• You must request a voucher by March 31, 2022
• Travel has not already taken place
• A claim has not already been filed against the policy
• You waive your right to file a claim for loss arising out of your original trip date once a voucher is issued

Generali Global Assistance plans do not offer coverage for changes to your travel itinerary due to COVID-19, unless you purchased optional Trip Cancellation for Any Reason coverage (only offered on certain plans). In that case, you could be eligible for reimbursement of up to the amount in the schedule if you meet the coverage requirements.

If your trip was scheduled to depart between January 29, 2020 and March 31, 2022 and you have not departed and will not travel, you may be eligible for a travel insurance policy voucher. Visit generalitravel.com/voucher for details.

Please read your Description of Coverage/Policy confirmation documents for coverage details.

For those plans that include Trip Cancellation coverage, you can be reimbursed for unused, non-refundable, pre-paid trip costs if you need to cancel your trip for one of the listed covered reasons in your plan.

For plans that exclude losses due to a pandemic, there will be no coverage for this event for losses occurred on or after March 11, 2020, the date COVID-19 was formally declared a pandemic by the World Health Organization. Coverage can be provided if you, your traveling companion, or family member get sick from COVID-19.

Generali Global Assistance plans do not offer coverage if you cancel your trip due to travel restrictions, shelter in place orders, or fear of traveling, unless you added optional Trip Cancellation for Any Reason coverage to your plan (only offered on certain plans). In that case, you could be reimbursed up to the amount in the schedule if you meet certain requirements.

If your trip was scheduled to depart between January 29 , 2020 and March 31, 2022 and you have not departed and will not travel, you may be eligible for a travel insurance policy voucher. Visit generalitravel.com/voucher for details.

Please read your Description of Coverage/Policy confirmation documents for coverage details.

While some of our plans can cover cancellations or delays due to a mechanical breakdown, adverse weather or labor strike our plans do not cover flight cancellations due to Coronavirus.

If you purchased Trip Cancellation for Any Reason coverage (only offered on certain plans), you could be reimbursed up to the amount in the schedule if you meet certain requirements..

If your trip was scheduled to depart between January 29, 2020 and March 31, 2022 and you have not departed and will not travel, you may be eligible for a travel insurance policy voucher. Visit generalitravel.com/voucher for details.

Please read your Description of Coverage/Policy confirmation documents for coverage details.

If you are traveling to a high-risk area and have a plan that includes Medical and Dental and Emergency Assistance and Transportation coverages, your travel insurance plan can help if you get sick during your trip and need to seek treatment or medical evacuation. In addition, our plans include access to worldwide Travel Support services, which are available 24/7 during your trip and certain plans include access to telemedicine services while traveling.

Trip Interruption and Travel Delay coverages can also help if you get sick while traveling, provided the plan you purchased includes those coverages.

Please read your Description of Coverage/Policy confirmation documents for coverage details.

Yes. If you purchased Trip Cancellation for Any Reason coverage (only offered on certain plans) it is your choice whether to travel or cancel your trip according to the terms of the plan.

Trip Cancellation for Any Reason coverage can provide reimbursement of up to the amount in the schedule, provided you cancel at least 48 hours prior to your scheduled departure and other plan requirements are met. The naming of COVID-19 as a pandemic does not affect your coverage.

Please read your Description of Coverage/Policy confirmation documents for coverage details.

If you get sick with COVID-19 before or during your trip, you can be covered for Trip Cancellation, Trip Interruption, Travel Delay, Medical & Dental, and Emergency Assistance & Transportation, provided the plan you purchased includes those coverages.

Travel insurance also gives you access to 24/7 Travel Support during your trip and certain plans include access to telemedicine services while traveling.

Please read your Description of Coverage/Policy confirmation documents for coverage details.

For those plans that include Trip Interruption coverage, travel insurance can help cover your pre-paid trip cost as well as additional transportation expenses if you get sick on your trip and can’t travel. Plans that include Medical and Dental and Emergency Assistance and Transportation can provide coverage if you need to seek medical treatment or evacuation during your trip.

Travel insurance also gives you access to 24/7 Travel Support during your trip and certain plans include access to telemedicine services while traveling.

For your safety and the safety of others, travelers who believe they may have contracted the virus should call our 24/7 Travel Support team who will coordinate local treatment on your behalf. You should do what you can to remain isolated and our assistance team will make sure you reach the dedicated local health facility best equipped to treat the virus—in accordance with the respective national response plan.

Once you arrive at the proper facility, have the treating physician sign our physician statement advising that you were not able to travel. This statement should be included when you submit your claim.

Please read your Description of Coverage/Policy confirmation documents for coverage details.

Please note that based on policy definitions, a “shelter in place” order is not considered a mandatory “Quarantine” and is not a covered event under our plans.

If you are diagnosed with Coronavirus or another sickness and are Quarantined you can be covered. Learn more

If you are Quarantined, but not sick, coverage depends on when you bought your plan and when the loss occurred. Coverage is unavailable if the insurance plan was purchased on or after January 29, 2020. For insurance plans that exclude pandemics, coverage is unavailable for losses occurred on or after March 11, 2020, the date COVID-19 was formally declared a pandemic by the World Health Organization. Plan exclusions for a pandemic can vary according to your state of residence and the plan you purchased. For eligible plans that include coverage for mandatory Quarantine, coverage may be available. To review your coverage details, please see your Description of Coverage or Insurance Policy.

Please read your Description of Coverage/Policy confirmation documents for coverage details

To qualify for COVID-19 sickness coverage, your at-home test must meet certain requirements:

• You must take your test while your Trip Cancellation coverage is in effect. Trip Cancellation coverage goes into effect at 12:01 a.m. the day after you purchase your plan.
• The test must be a viral test and have Emergency Use Authorization (EUA) from the U.S. Food and Drug Administration (FDA). You can view a list of approved nucleic acid amplification tests (NAAT) and a list of approved antigen tests.
• The testing must include a telehealth video call during which someone authorized by the manufacturer supervises the testing procedure in real time.
• The telehealth provider must issue a report confirming the patient’s identity, the name of the laboratory or healthcare entity, the type of test and the specimen collection date.

See what tests qualify

Most plans include “new vaccination requirements” as a covered reason for trip cancellation. If your destination country announces and publishes a new vaccination requirement after you buy travel insurance, and you are medically unable to receive the vaccination, you can be reimbursed for your insured trip cost. This applies when vaccination is a requirement to enter the country, but not in the case of new quarantine rules for unvaccinated travelers.

If you are traveling with a child that is too young to receive the vaccination for COVID-19, pursuant to CDC guidelines, that would typically qualify as being medically unable to receive the vaccination.

If you are diagnosed with Coronavirus or another sickness, you can be covered for certain additional unexpected expenses on your trip, such as lodging, provided the plan that you purchased includes Travel Delay coverage.