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From this related question/answer, I understand that if a flight is cancelled because the destination city is unfit for travel due to an epidemic, the airline itself should refund the price of the air travel.

My question has to do with travel insurance coverage for separately booked travel arrangements. Say my flight is cancelled, but that I've paid separately for other travel arrangements, will Trip Mate travel insurance honor this as a "trip cancellation", and cover my losses associated with non-refundable travel arrangements?

The only reason I'm using this specific travel insurance company is because the PDF is available and I thought wise people here could use this as an example to say why or why not losses would be covered. And possibly for what verbiage one should look for when selecting travel insurance that would indicate that an insurance product would cover non-airline travel expenses if the airline determined a place was too dangerous to fly into.

Link to PDF: https://www.worldnomads.com/pds?RegulatoryWordingTranslationId=1668

From the PDF:

Hazard means: (snip) c) Any delay due to lost or stolen passports, travel documents or money, Quarantine, hijacking, unannounced Strike, Natural Disaster, civil commotion or riot;

Then, under "Coverage > Trip Cancellation":

  1. Natural Disaster at the site of Your destination that renders Your destination accommodations Uninhabitable. This benefit will not apply if the Natural Disaster has been forecasted or a storm has been named prior to purchase of this Policy.

  2. You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury, or subpoenaed within ten (10) days of departure; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your Home within ten (10) days of departure.

But I don't think the Natural Disaster definition applies:

Natural Disaster means earthquake, flood, fire, hurricane, blizzard, avalanche, tornado, tsunami, volcanic eruption, or landslide that is due to natural causes and includes an event that is directly due to naturally occurring wildfire, earthquake, windborne dust or sand, volcanic eruption, tsunami, snow, rain or wind, that results in widespread and severe damage such that either the government of the country where the Natural Disaster occurs issues an official disaster declaration or the U.S. Government issues advice to leave the country where the Natural Disaster occurs.

  • I agree that the use case you ask about would not be covered by this policy text. As to what to look for...different text. – DavidSupportsMonica Feb 10 at 20:14
  • My travel insurance expressly includes "des épidémies" in the covered hazards. My parents' covers when the Canadian government issues official advisory against all travels or all non-essential travels in an area. It includes but does not define natural disaster. – zhantongz Feb 11 at 16:48
  • A lot of insurance companies are now either not selling new policies, or restricting them so that cancellations due to Corona virus are excluded. So you might already be too late! – jason.kaisersmith Mar 14 at 8:14
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One option would be to get a Cancel for Any Reason (CFAR) policy. Then you can (as the name suggests) cancel for any reason.

Drawbacks are the expense of the policy, restrictions on when you can purchase the policy in relation to paying for your trip (i.e. if you already paid for your trip, it's probably too late to buy a CFAR policy now), and the policy won't cover 100% of your costs, 50% - 75% is typical.

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  • CFAR policies are prohibitively expensive and a really bad deal unless you have a an extremely specific situation. Very high likelihood that you will NOT be going, but if you actually need to go it's extremely important. – Hilmar Feb 13 at 12:46
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    I mentioned the cost of the policy and low coverage amount (50-75%) in my answer. I considered a CFAR policy for an upcoming trip and it would have returned more than half my money if I canceled the trip even after taking into account the cost of the policy. So if you think there's a good chance you're going to cancel, the CFAR policy can be a good deal, but it all depends on your personal circumstances. – Johnny Feb 13 at 16:24

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