Could the cruise industry make travel insurance mandatory? Up date page two 8-10-2020

[PrincessShmoo]

For anyone interested, this is what my Irish Travel Insurance Company have on their website about Covid 19 https://www.multitrip.com/ie/travel-insurance-coronavirus-faq

What are you covered for:

Scenario	Cover Stance	Cover Conditions
You fall ill with Covid-19 abroad and need medical treatment abroad.	Cover as Standard	No cover if travelling against the advice of the Department of Foreign Affairs (DFA) or medical advice.
You fall ill with Covid-19 abroad and need to be repatriated to Ireland.	Cover as Standard	No cover if travelling against the advice of the Department of Foreign Affairs (DFA) or medical advice.
You fall ill with Covid-19 abroad and you need to extend your stay as a result of Coronavirus incurring additional costs.	Cover as Standard	No cover if travelling against the advice of the Department of Foreign Affairs (DFA) or medical advice.
You fall ill with Covid-19 at home and cannot travel.	Cover as Standard	Subject to positive test result. No cover if symptoms or diagnosis occurred prior to your policy purchase or within 7 days of your issue date.
Your travelling companion falls ill with Covid-19 at home and cannot travel.	Cover as Standard	Subject to positive test result. No cover if symptoms or diagnosis occurred prior to your policy purchase or within 7 days of your issue date.
Your close business associate falls ill with Covid-19 at home and cannot travel.	Cover as Standard	Subject to positive test result. No cover if symptoms or diagnosis occurred prior to your policy purchase or within 7 days of your issue date.
Your family member is hospitalised with Covid-19 and as a result you cannot travel.	Cover as Standard	Subject to positive test result. No cover if symptoms or diagnosis occurred prior to your policy purchase or within 7 days of your issue date.
You are diagnosed with Covid-19 whilst on your trip and must self isolate in your accommodation. You would like to claim for any cancelled excursions.	Cover as Standard	No cover if travelling against the advice of the Department of Foreign Affairs (DFA) or medical advice.
You need to curtail your trip as a close relative has passed away from Covid-19.	Cover as Standard	No cover if your relative was already hospitalised before you left on your trip.

Seems pretty clear. And not surprising.

 

[JM23457]

From a Travel Insurance website.
"..., coverage for COVID19 will depend on when you bought your travel insurance. Most of these companies made the coverage for COVID19 an exclusion once it was declared an global pandemic by the Center for Disease control (CDC) in the United States."

I spoke to my insurance carrier specifically about this last week, for a policy I just purchased. They said illness caused by Covid is covered. What is not covered is not traveling due to concern about Covid.

In addition to the 100% medical coverage, cancel for any reason covers 75%, for any reason at all.

 

[BadPinkTink]

Seems pretty clear. And not surprising.

exactly, so as long as I don't travel when there is a Government Travel Advisory, my travel insurance is valid. Every company is different but from what I have seen on a European Disney Forum, from people renewing travel insurance in since May, this is pretty much standard.

I spoke to my insurance carrier specifically about this last week, for a policy I just purchased. They said illness caused by Covid is covered. What is not covered is not traveling due to concern about Covid.

In addition to the 100% medical coverage, cancel for any reason covers 75%, for any reason at all.

This seems to be the industry standard now. People need to check with their specific insurer, as a blanket statement that pandemics are not covered is not correct and fear mongering. People need factual up to date information direct from insurance companies, not internet people making assumptions.

 

[insureman]

exactly, so as long as I don't travel when there is a Government Travel Advisory, my travel insurance is valid. Every company is different but from what I have seen on a European Disney Forum, from people renewing travel insurance in since May, this is pretty much standard.



This seems to be the industry standard now. People need to check with their specific insurer, as a blanket statement that pandemics are not covered is not correct and fear mongering. People need factual up to date information direct from insurance companies, not internet people making assumptions.

I should have stated US companies. I have no idea about other countries travel insurance. Sometimes I forget this is an international board.

 

[lanejudy]

Scenario	Cover Stance	Cover Conditions
Your close business associate falls ill with Covid-19 at home and cannot travel.	Cover as Standard	Subject to positive test result. No cover if symptoms or diagnosis occurred prior to your policy purchase or within 7 days of your issue date.

This one scenario is interesting and not something likely to be easily covered in the U.S. due to HIPAA laws as it would require an unrelated 3rd party to disclose medical information. Businesses here aren't even allowed to disclose to employees which, if any, colleagues have tested positive.