I thought the
DVC insurance didn't cover pandemics?
I'm not sure what state you are in, but this is the version of the policy for CA:
https://partner.travelexinsurance.c...cument.ashx?filename=SDVC-0919_0201_07207.pdf
You can download the PDF and get policy details here:
https://www.travelexinsurance.com/policy/policysearch.aspx
I think you might be able to get the points covered....but not the airfare....
TRIP CANCELLATION AND/OR INTERRUPTION
The Company will reimburse the Insured a benefit, up to the Maximum Limit shown in the Schedule if an Insured or Traveling Companion cancels his/her Trip or is unable to continue on his/her Trip due to any of the following Unforeseen events:
(a) Sickness, Injury or death of an Insured or Traveling Companion and/or the Insured’s or Traveling Companion’s Family Member, Business Partner or Host at Destination;
1. Sickness or Injury of an Insured, Traveling Companion, Family Member traveling with the Insured, which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing your continued participation in the Trip;
2. Sickness or Injury of a Family Member not traveling with the Insured must be because their condition is life-threatening or they require the Insured’s immediate care.
3. Sickness or Injury of the Business Partner must be so disabling as to reasonably cause the Insured to cancel or interrupt the Trip to assume daily management of the business. Such disability must be certified by a Physician;
4. Sickness, Injury, death or hospitalization of the Insured's Host at Destination.
(b) Financial Default of a Common Carrier, tour operator or resort provided the Financial Default occurs more than 14 days following an Insured's effective date for the Trip Cancellation or Trip Interruption Benefits. There is no coverage for the Financial Default of any person, organization, agency, or firm from whom the Insured purchased travel arrangements supplied by others;
(c) Inclement Weather causing delay or cancellation of travel for at least 24 consecutive hours preventing the Insured from reaching his/her Destination;
(d) Strike causing delay or cessation of transportation or Hotel services at the point of departure or Destination for at least 24 consecutive hours;
(e) the Insured’s or Traveling Companion’s home or Destination being made Uninhabitable or inaccessible by Natural Disaster, that is due to natural causes; vandalism, or burglary. Coverage for a hurricane applies only if insurance was purchased prior to the tropical storm being upgraded to a hurricane;
(f) the Insured or Traveling Companion is hijacked, quarantined, subpoenaed, required to serve on a jury, required to appear as a witness in a legal action, provided the Insured or a Traveling Companion is not:
1) a party to the legal action; or
2) appearing as a law enforcement officer;
(g) the Insured or Traveling Companion is called to active military service as a reservist, firefighter, or police staff; to provide aid or relief in the event of a Natural Disaster, or military leave is revoked or reassigned within 30 days of the Departure Date;
(h) a Terrorist Incident in a City listed on the Insured’s itinerary within 30 days of the Insured’s scheduled arrival or Departure or during the Insured’s Trip;
(i) the Insured or Traveling Companion has Complications of Pregnancy. Complications of Pregnancy must occur after the Insured’s effective date of coverage and can be verified by medical records;
(j) the Insured or Traveling Companion is involuntarily terminated or laid off through no fault of his or her own provided that he or she has been an active employee for the same employer for at least 1 continuous years. Termination must occur following the effective date of coverage. This provision is not applicable to temporary employment, seasonal employment, independent contractors or self-employed persons;
(k) the Insured and/or Traveling Companion is directly involved in a traffic accident, substantiated by a police report, while en route to the Insured’s Destination;
(l) the Insured or Traveling Companion has an involuntary employer-initiated transfer within the same organization of 250 or more miles which requires the Insured's Residence to be relocated;
(m) the Insured or Traveling Companion is employed as a full time teacher, student, or parent of a student at a primary or secondary school and is required to complete an extended school year that falls on or beyond the Departure Date. School extensions due to extra-curricular or athletic events are not covered;
(n) The Insured or Traveling Companion is required to take an academic examination on a date that has been fixed after the effective date of coverage, and the date falls during the Trip;
(o) mandatory evacuation ordered by local authorities at your Destination due to hurricane or other Natural Disaster for at least 24 consecutive hours preventing the Insured from staying his/her Destination;
(p) Cancellation or delay of a Common Carrier as a result of civil disorder at the departure site for at least 24 consecutive hours preventing the Insured from reaching his/her Destination;
(q) a theft or Loss of passports, travel documents or visas within 30 days of the Insured’s Departure Date, specifically required for the Insured’s Trip. Such loss must be substantiated by a police report or proof of the Insured’s application for a replacement, even if the replacement cannot be delivered prior to the Departure Date;
(r) mechanical/equipment failure of a Common Carrier that occurs on a scheduled Trip Departure Date and causes complete cessation or delay of the Insured’s travel for at least 24 consecutive hours;
(s) the Insured’s or Traveling Companion’s company is deemed to be unsuitable for business due to burglary, or Natural Disaster and the Insured or Traveling Companion is directly involved as a Key Employee of the disaster recovery team.
(t) the Insured, Traveling Companion or Family Member is kidnapped or disappears after the Trip Cancellation coverage effective date or during the Trip as substantiated by a police report and has not returned within 14 days of the Departure Date;
(u) a covered Trip Delay (as shown in the Trip Delay Benefit) that results in a loss of more than 50% of your scheduled Trip.
