This post was updated February 5, 2020.
Editor's Note (Feb. 5th): As of January 21, 2020, the Coronavirus is a known event. Quarantine is no longer considered unforeseen for Trip Cancellation and Trip Interruption for policies purchased after 1/21/2020. However, coverage is still available for medical and emergency medical evacuation expenses in the event that a traveler contracts the disease while on their trip.
The Centers for Disease Control and Prevention (CDC) is closely monitoring developments around an outbreak caused by a
coronavirus first identified in Wuhan, Hubei Province, China. Chinese authorities identified the new coronavirus,
which has resulted in hundreds of confirmed cases in China, including cases outside Wuhan City, with additional cases being identified in a growing number of countries internationally.
This outbreak has affected travel, forcing many travelers going through China to undergo mandatory screening when entering other countries, and
has left travelers with planned trips to China concerned about their visit. It is important for all travelers to understand their travel insurance coverage. This includes travelers with planned trips to China as well as travelers who may be susceptible
to contracting the virus.
Below are a few examples of how Arch RoamRight’s plans may work during the Coronavirus outbreak. For full details, please call our customer service team at 1-800-699-3845.
If you have a planned trip to China and want to cancel because of the coronavirus, you likely will not have coverage through most travel insurance policies. Cancellation due to the fear of contracting a virus is not covered under most Arch RoamRight plans.
We encourage you to first contact your travel supplier directly to determine alternate options and arrangements.
Federal health officials have confirmed several cases in the United States.
It is therefore useful to understand that, if you already have a trip insured and contract this virus (or any other unexpected illness) before you leave, you likely have coverage to cancel your trip.
If you or your traveling companion is quarantined, including if you have been detained during your trip due to suspected illness, such as a wellness check at an airport, you may have trip cancellation coverage, if your policy was purchased before January 21, 2020.
If your destination is placed under quarantine after your departure date, you may have trip delay or missed connection benefits.
For cancelled flights, you may have coverage under most Arch RoamRight travel insurance plans, if the cancellation occurs on or after the scheduled departure date and you won’t be able to reach your destination before 50% of your trip
has passed. If the flight cancellation occurs prior to the scheduled departure date, coverage is not available.
If a travel supplier changes a trip itinerary after the scheduled departure date, and that change results in you not being able to participate in a non-refundable, prepaid event or activity, there would be coverage for those expenses, provided that:
If you travel to China and have an Arch RoamRight travel insurance plan in place, you may be eligible for emergency medical coverage if you contract the coronavirus while in China. This includes help finding a physician, emergency medical care, and –
if necessary – an evacuation back home for care and treatment.
Travelers, such as those covered by Arch RoamRight, who are abroad and are feeling ill can contact their insurance company’s emergency assistance provider. Arch RoamRight’s emergency assistance provider can by collect call at +1-443-279-7335.
Sick travelers may also be eligible for trip interruption coverage, which can reimburse for additional transportation expenses to take you home, as well as any unused, pre-paid, non-refundable travel expenses.
Arch RoamRight is a leading provider of travel insurance for Americans traveling domestically and abroad. If you are an Arch RoamRight traveler and have questions about your plan, or you are looking to purchase a travel insurance plan for an upcoming
trip, contact our award-winning customer service team at 1-800-699-3845.
Note: Available plans and coverages may have changed since this blog was published.
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RoamRight's Marketing Communications Specialist, Victoria Zidwick, has worked in the travel insurance industry for more than five years. She has traveled extensively throughout the United States and has a handful of international travel experiences.Victoria's travel experiences have changed in recent years, as her family grows and she is learning the ins and outs of traveling with children. Connect with Victoria on LinkedIn or follow her onTwitter or Google Plus.
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The RoamRight mark is used by Arch Insurance Company and owned by its parent company, Arch Capital Group (U.S.). Insurance coverages are underwritten by Arch Insurance Company, NAIC #11150, under certain policy series, including LTP 2013 and amendments thereto. 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. Click here for privacy notice.
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