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

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

Travel insurance provides coverage if you, your host at your destination, a family member, or a travel companion get sick with COVID-19.

Prior to Departure:

• Trip Cancellation coverage for your pre-paid travel arrangements.

During Your Trip:

• Trip Interruption coverage for your pre-paid land and water arrangements (such as lodging), plus additional transportation costs to return home or depart on your trip earlier or later than scheduled.
• Per trip plans include Travel Delay coverage for overnight lodging, meals, local transportation and other unexpected costs if you or a travel companion get sick from COVID-19 and are delayed for six hours or more.
• Coverage for medical expenses for up to one year, even after you return home, if you get sick from COVID-19 while traveling and need to seek medical treatment or evacuation. Covered expenses include copays, deductibles and out-of-network costs billed by your primary health insurance. Also includes coverage for a companion to visit you if you are traveling alone and hospitalized for more than 7 days.
• Access to worldwide 24/7 Travel Support if you need help while traveling. Per trip plans also provide you with access to telemedicine services during your trip.

For your safety and the safety of others, travelers who believe they may have contracted the COVID-19 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.

When you submit your claim, please provide proof of a positive COVID-19 test result—or a completed physician statement that advises you were not able to travel, signed by the treating physician.

Plans do not provide coverage for shelter in place orders, travel restrictions, or fear of travel—unless you purchase the Elite plan and add optional Trip Cancellation for Any Reason coverage. Learn more

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

Coverage is available if you, your host at your destination, a family member, or a travel companion get sick with COVID-19 before or during your trip. Learn more

Plans do not provide coverage for shelter in place orders, travel restrictions, or fear of travel—unless you purchase the Elite plan and add optional Trip Cancellation for Any Reason coverage. Learn more

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

Coverage is available if you, your host at your destination, a family member, or a travel companion get sick with COVID-19 prior to departure and you have to cancel your trip. Learn more

Plans do not currently provide coverage for other events related to COVID-19 or if you cancel your trip due to travel restrictions, a shelter in place order, or fear of traveling—unless you purchased the Elite plan and added optional Trip Cancellation for Any Reason coverage. Learn more

In response to COVID-19, many cruise lines, airlines, and other travel suppliers are canceling services and refunding trips or waiving change fees. To ensure you are aware of all your travel change options, we encourage you to check with your airline or travel supplier before filing a travel insurance claim.

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 (only included in per trip plans), Medical & Dental, and Emergency Assistance & Transportation. Learn more

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

If you are diagnosed with COVID-19 or another sickness and Quarantined you can be covered. Learn more

If you are Quarantined due to COVID-19 but not sick, coverage is not available—unless you purchased the Elite plan and added optional Trip Cancellation for Any Reason coverage. Learn more

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

Plans do not offer coverage for changes to your travel itinerary due to COVID-19—unless you purchased the Elite plan and added optional Trip Cancellation for Any Reason coverage. Learn more

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

Yes, if you get sick on your trip and can’t travel, plans provide coverage for your prepaid, non-refundable trip costs, plus additional transportation expenses to return home. Learn more

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

Yes. If you purchased the Elite plan and added optional Trip Cancellation for Any Reason coverage, it is your choice whether to travel or cancel your trip according to the terms of the plan.

Optional Trip Cancellation For Any Reason can reimburse up to 75% of your prepaid, forfeited, non-refundable trip cost. The reason for your cancellation doesn’t matter, but you will need to meet a few other requirements.

To be eligible for this coverage, make sure:

• You purchased Trip Cancellation For Any Reason within 24 hours of making initial deposit for your trip.
• You cancel your trip 48 hours or more before your scheduled departure.
• You insured all of your non-refundable trip costs that are subject to cancellation penalties or restrictions.
• Your per person trip cost is no more than $10,000.*
• You weren’t disabled from travel when you bought coverage.

*For Indiana and Washington residents, in addition to the per person trip cost maximum, the per reservation trip cost cannot exceed $20,000.

This coverage is not available to residents of New York.

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

Although plans can cover flight cancellations or delays due to mechanical breakdown, adverse weather or labor strike, they do not cover flight cancellations due to COVID-19—unless you purchased the Elite plan and added optional Trip Cancellation for Any Reason coverage. Learn more

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.