08/12/2024
People always ask me what the "covered reasons" are for cancellation insurance. These are the covered reasons for Allianz, a company I personally use for my own travel insurance:
1. You or a traveling companion becomes ill or injured, or develops a medical condition disabling enough to make
you cancel your trip (including being diagnosed with an epidemic or pandemic such as COVID-19).
The following condition applies:
a. A doctor advises you or a traveling companion to cancel your trip before you cancel it. If that isn’t possible,
a doctor must either examine or consult with you or the traveling companion as soon as possible within 72 hours after the cancellation to confirm the decision to cancel.
2. A family member who is not traveling with you becomes ill or injured, or develops a medical condition (including being diagnosed with an epidemic or pandemic such as COVID-19).
The following condition applies:
a. The illness, injury, or medical condition must be considered life threatening by their doctor or require
hospitalization.
3. You, a traveling companion, or family member dies on or after your policy’s Coverage Effective Date and before
your trip.
4. You or a traveling companion is quarantined before your trip due to having been exposed to:
a. A contagious disease other than an epidemic or pandemic
b. An epidemic or pandemic (such as COVID-19), but only when the following conditions are met:
i. The quarantine is specific to you or a traveling companion, meaning that you or a traveling companion must be specifically and individually designated by name in an order or directive to be placed in quarantine due to an epidemic or pandemic; and
ii. The quarantine does not apply generally or broadly (a) to some segment or all of a population,geographical area, building, or vessel (including without limitation shelter-in-place, stay-at-home,safer-at-home, or other similar restriction), or (b) based on to, from, or through where the person is
traveling.
This condition (ii) applies even if the quarantine order or directive specifically designates you or a traveling companion by name to be quarantined.
5. You or a traveling companion is in a traffic accident on the departure date.
One of the following conditions must apply:
a. You or a traveling companion need medical attention; or
b. Your or a traveling companion’s vehicle needs to be repaired because it is not safe to operate.
6. Your primary residence is uninhabitable.
7. You are legally required to attend a legal proceeding during your trip.
The following condition applies:
a. The attendance is not in the course of your occupation (for example, if you are attending in your capacity
as an attorney, court clerk, expert witness, law enforcement officer, or other such occupation, this would
not be covered).
8. You, a traveling companion, or a family member serving in the U.S. Armed Forces is reassigned or has personal
leave status changed, except because of war, the Wars Powers Act, or disciplinary action.
9. Your travel carrier cannot get you to your original itinerary’s destination for at least 24 consecutive hours from
the originally scheduled arrival time due to one of the following reasons:
A. A natural disaster; or
B. Severe weather.
However, if you can get to your original destination another way, we will reimburse you for the following, up
to your policy’s Trip Cancellation Coverage maximum benefit:
i. The reasonable cost of the alternative transportation, less available refunds; and
ii. The cost of any lost prepaid accommodations caused by your delayed arrival, less available refunds.
The following condition applies:
a. Alternate transportation arrangements must be in a similar or lower class of service as you were originally
booked with your travel carrier.
10. You or a traveling companion is terminated or laid off by a current employer after your policy’s purchase date.
The following conditions apply:
a. The termination or layoff is not your or your traveling companion’s fault;
b. The employment must have been permanent (not temporary or contract); and
c. The employment must have been for at least three continuous years.
11. You or a traveling companion is unable to receive a vaccination (including a vaccination for an epidemic or pandemic such as COVID-19) required for travel to, from, or within your destination due to your or your
traveling companion’s illness, injury, or medical condition.
12. You or a traveling companion secures new permanent, full time, paid employment, after your policy’s purchase date, that requires presence at work during the originally scheduled trip dates.
13. Your or a traveling companion’s primary residence is permanently relocated by at least 100 miles due to a transfer by your or a traveling companion’s current employer. This coverage includes relocation due to
transfer by your spouse’s current employer.
14. You or a traveling companion serving as a first responder is called in for duty due to an accident or emergency (including a natural disaster) to provide aid or relief during the originally scheduled trip dates.
15. You or a traveling companion receive a legal notice to attend an adoption proceeding which occurs during
your trip.
16. Your or travel companion's travel documents required for the trip are stolen.
The following condition applies:
a. You must make diligent efforts, and provide documentation of your efforts, to obtain replacement
documents that would allow you to keep the originally scheduled trip date
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