Updated March 21, 2020 - Coronavirus
In addition to prior travel restrictions
relating to the virus, President Trump on March 11 signed a proclamation that
restricts travel to the United States from foreign nationals who have recently
been in certain European countries. This does not apply to U.S. citizens
or legal permanent residents.
As of January 21, 2020, the Coronavirus became a known
event and was recognized as an epidemic as of
February 3, 2020. As such, the Coronavirus outbreak is
considered a foreseeable event under any plans purchased on or after January
We are committed to assisting our policyholders who may need help navigating the impact of this epidemic on upcoming travel plans or while they are traveling.
To help you better understand your policy, below are some helpful Questions and Answers that may address your concerns prior to your trip. We are monitoring this situation and will provide applicable updates to our website at
www.RoamRight.com. If you need any additional guidance please contact us at 1-800-699-3845.
Please note that these answers only apply to customers whose Policies include the applicable benefits. All other Policy terms, conditions and exclusions apply.
Does my Policy cover trip cancellation
or interruption because of fear of travel due to the Coronavirus?
Like most travel insurance policies available, concern or fear of travel is not a covered event under our travel insurance policies, unless your Policy included Cancel For Any
Reason (“CFAR”) upgrade.
Does my Policy cover trip cancellation
or interruption because the Policyholder's intended destination has reported
incidents of COVID 19 or any other Pandemic?
Trip cancellation or interruption benefits are not available when the intended destination has reported incidents of COVID 19 or any other Pandemic, unless your Policy included a CFAR upgrade. A full
list of unforeseen covered reasons for trip cancellation and trip interruption, along with general exclusions, is found in your policy document. We encourage you to file a claim that will be assessed in accordance with the facts of each case, your
individual circumstances and the Policy language.
Does my Policy cover trip cancellation
or interruption because the Policyholder's intended destination is the subject
of a CDC Travel Warning?
Trip cancellation or interruption benefits are not available because the intended destination is the subject of a CDC Travel Warning, unless your Policy included a CFAR upgrade. A full list of unforeseen covered reasons
for trip cancellation and trip interruption, along with general exclusions, is found in your policy document. We encourage you to file a claim that will be assessed in accordance with the facts of each case, your individual circumstances and the Policy
Policy cover expenses if the Policyholder is physically quarantined while
travelling, whether there is an operable foreseeability date triggering or
precluding said coverage?
If the Policy was purchased on or before January 22, 2020, Trip cancellation or Trip interruption benefits may be available to cover expenses if the Policyholder is physically quarantined while traveling.
Does my Policy provide medical coverage
if the Policyholder contracts the virus while traveling, including whether
there is an operable foreseeability date triggering or precluding said
Emergency Medical Treatment benefits may be available under the Policy if the Policyholder contracts the virus while traveling regardless of the date of travel. Additionally, Emergency Medical Evacuation benefits may be available if
it is determined that transportation to a higher level of care is necessary as a result of contracting the virus while traveling.
flight is cancelled because the airline is not flying to areas where there are
Coronavirus cases, am I covered?
There is no coverage for the canceled flight under the travel insurance policy if the airline cancels your flight due to Coronavirus, unless your Policy included a Cancel For Any Reason upgrade. You may have coverage
under the Trip Delay benefit for additional meals and hotel expenses are incurred if your flight is cancelled on your scheduled departure date or during your trip. Always check with air carriers to understand cancellation and change policies. There
is no coverage under the policy if your flight to or from your destination is cancelled due to Coronavirus. However, we suggest you contact the airline to seek a refund for your flight. Should you have other unused, non-refundable, pre-paid trip
costs, consult the “Unforeseen Covered Reasons” portion of your insurance policy. We encourage you to file a claim that will be assessed in accordance with the facts of each case, your individual circumstances and the Policy language.
operator cancelled my tour because of the Coronavirus outbreak. Is this
You should seek a refund from your tour operator and other travel suppliers. While there is no coverage under the policy for this circumstance, if you would like to apply your policy to a new trip, we can adjust your travel dates, destination,
and trip cost as necessary.
Please note, that if your plan includes the Cancel For Any Reason Benefit, It does not cover penalties associated with any air or other travel arrangements not provided by Travel Supplier or the failure of Travel
Supplier to provide the bargained-for Travel Arrangements due to cessation of operations for any reason.
am traveling internationally and I’m told that upon arriving at my destination
I will be quarantined. Therefore I wish to cancel my trip. Am I covered?
Coverage under Trip Cancellation due to the anticipation of being quarantined is not available since the definition of quarantine requires a traveler to be physically quarantined
while traveling for benefits to apply. For these cases we recommend the traveler contact their travel provider to secure a date change or credit for future travel.
For more information on COVID-19, please visit the World Health Organization’s website at https://www.who.int/emergencies/diseases/novel-coronavirus-2019,
or the CDC’s website at https://wwwnc.cdc.gov/travel/notices/alert/novel-coronavirus-china, or consult your medical professional.
We've compiled a short list of helpful information for RoamRight customers experiencing problems created by a significant event, such as a hurricane, earthquake, snowstorm, or others. Please refer to this page for easily accessible information about seeking
help, filing a claim, and getting up-to-date information on the situation.
Emergency Assistance and Customer Service
If you are experiencing an emergency and need immediate help, please call our 24/7 assistance provider using the information below.
24/7 Emergency Travel Assistance
Toll-Free US: 1-855-286-8348
Direct Outside US: 1-443-279-7335
Hours: 24 hours a day, 7 days a week, 365 days a year
Toll-Free US: 1-855-762-6252
Hours: Monday - Friday, 9AM - 5PM EST
Toll-Free US: 1-877-687-7170
Direct Outside the US: +1-201-537-9871
Hours: Monday - Friday, 8:30AM to 8:00PM EST
Filing a Claim
Read everything you need to know about filing a claim by visiting the
Claims Information section of our website.
Instructions for How To File A Claim
The U.S. DOS Bureau of Consular Affairs also maintains a list of Travel Alerts & Warnings. Travelers can search by location or review the entire list.
The same department also hosts a website for travelers to get help in the event of an emergency, anything from lost or stolen passports to a natural disaster.
Homeland Security also maintains a website related to overseas travel and alerts. They offer a list of international travel tips as well.
Here is another U.S. government travel site with links to many travel resources.
Emergency Help for Americans Abroad:
One of the most useful travel resources is the
RoamRight mobile app. With the mobile app, travelers have access to all of these important resources in one place. As a partner, you can get access to all of the features
in this award-winning app available on the App Store and Google Play. With detailed destination and security information, this should be your go-to resource for up-to-the-minute travel, health and security advice and information.