Coverage Alert - COVID-19
Updated May 18, 2022
COVID-19 is impacting worldwide travel, with continued spread and disruptions expected. COVID-19 became a known event on January 21, 2020 and was recognized as an epidemic as of February 3, 2020. The US began instituting restrictions on travel on March
As of March 21, 2020, COVID-19 is considered a foreseeable event and as of this date, COVID-19 and its impacts to travel are not covered under our plans. Claims due to known, foreseeable, or expected events, epidemics, government prohibitions, warnings,
quarantine including quarantine due to COVID exposure, travel advisories or fear of travel are generally not covered, and coverage can vary by state.
IMPORTANT INFORMATION REGARDING COVID-19 CLAIMS
Third party lab test and Attending Physician Statement are required documentation.
If the COVID-19 positive test is more than 10 days prior to departure, additional documentation including an updated Attending Physician Statement may be required to verify sickness
so disabling as to cause your trip to be cancelled.
However, until further notice, although not covered under most plans, we are currently accommodating claims for:
- Under the Emergency Medical Expense Benefit: Emergency medical expenses for an insured who becomes ill with COVID-19 and requires medical treatment while on their trip.
- Under the Emergency Medical Evacuation Benefit: Transportation to a higher level of care for an insured when their condition is acute, severe or life threatening as a result of contracting COVID-19 while on their trip. Transport must
be authorized as medically necessary by the attending Physician and our Program Assistance Provider.
- Under the Trip
Cancellation Benefits: If an insured, insured's family member, or a traveling companion, or a business partner or a traveling companion's family member, tests positive with COVID-19 (through a third party lab or physician’s office) within 10 days*
of the trip departure. As documentation, we require a signed Attending Physician’s Statement indicating the date of first onset of symptoms, the date of all positive COVID-19 tests, and a physician’s statement certifying the symptoms or restrictions.
At-home tests will not be accepted. If the positive test is more than 10 days prior to departure, we may
require a doctor’s visit within 10 days of departure certifying that the sickness
is so disabling as to cause your trip to be cancelled.
* Subject to change by the CDC. For updated CDC guidance on COVID-19, please visit the CDC’s website at https://www.cdc.gov/coronavirus/2019-ncov/travelers/index.html#do-not-travel,
or consult your medical professional.
- Under the Trip Interruption Benefits: If an insured, insured's family member, or a traveling companion, or a business partner or a traveling companion's family member tests positive with COVID-19 during their trip with a signed Attending
Physician Statement. We will also accept a lab report of a positive COVID-19 test administered and supervised by an accredited health care professional (such as CVS, Walgreens, etc.). Results solely from an at-home test are not acceptable.
- Under the Trip Delay Benefit: Trip delay benefits apply if you are delayed en route to, during or returning home from your trip if an insured, insured family member who is also traveling, or insured’s traveling companion tests positive with
COVID-19 with a signed Attending Physician Statement. We will also accept a lab report of a positive COVID-19 test administered and supervised by an accredited health care professional (such as CVS, Walgreens, etc.) Results solely from an at-home
test are not acceptable.
These temporary accommodations are strictly applicable to COVID-19 and are only available for insureds whose plan includes the applicable benefit. All other terms, conditions, and exclusions of the plan apply as normal.
You may cancel coverage under the policy by providing us with written notice within the specified time sensitive period from the purchase date of your coverage as indicated in your policy, provided you have not filed a claim under the policy or departed
for your trip. If you have cancelled your scheduled trip, the premium is non-refundable outside of this money back guarantee period.
Before You Cancel Your Trip
Many airlines and travel suppliers are providing refunds or future travel credits without change fees when traveling to a destination affected by COVID-19. Please contact your travel supplier prior to cancelling your trip. If the insured changes the dates
of their trip, they may also change the dates of coverage on their travel protection plan for up to two years from the original policy expiration date by calling the phone number on their plan.
Arch Insurance Company is assisting insureds who wish to change their travel plans, require travel assistance or would like to file a claim. Our customer service & claims teams are available to provide assistance and review applicable coverages under
your plan. Our assistance team is ready to help all of our insureds who need help while traveling, such as locating medical facilities or rebooking transportation.
Any insured who has a medical issue while traveling or who has any other questions regarding their plan is encouraged to call us at 1-800-699-3845. We review every claim based on its unique facts and circumstances and are happy to answer any questions
you may have.
For more information on COVID-19, please see our Coronavirus FAQs on our Significant Travel Events Page at https://www.roamright.com/Claims/Significant-Travel-Events/.
The information in this Coverage Alert is current as of the time of publication but is subject to change as the situation develops. Please visit www.roamright.com for the latest coverage information.
The accommodations described above are strictly limited to the terms specifically stated above and for no other further purpose, express or implied. Arch Insurance Company hereby disclaims any interpretation that it is a guarantee of coverage or admission of liability. Such accommodations should not be construed to be a waiver of any term, condition, or exclusion of our plans. Arch Insurance Company and its reinsurers reserve all rights, remedies, and defenses under our plans, under applicable law, and at equity.
Insurance coverages are underwritten by Arch Insurance Company, NAIC #11150, under certain policy series including LTP 2013 and amendments thereto. Plans are administered by Arch Insurance Solutions Inc., a licensed travel insurance producer* (CA License #0I18111, TX License #1787195). Certain terms, conditions, restrictions and exclusions apply and coverages may vary in certain states. In the event of any conflict between your policy terms and coverage descriptions on this website, the terms and conditions of your policy shall govern. For a complete description of the coverage and benefit limits offered under your specific plan, carefully review your Confirmation of Benefits and your Plan documents. *Plans may be solicited
by a licensed travel insurance producer or offered and disseminated by
registered travel retailers on behalf of Arch Insurance Solutions Inc. Plans
are solicited by licensed producers in NY and HI.