For information regarding the Coronavirus and your Redpoint Travel Insurance program, please read our Coronavirus FAQ.

Coronavirus (COVID-19) FAQ

Redpoint is closely monitoring the Coronavirus (COVID-19), and its potential impact on travel.  Travelers should consult the World Health Organization (WHO) and Centers for Disease Control and Prevention (CDC) websites for the most up-to-date information on the Coronavirus outbreak.

Please note that due to the World Health Organization (WHO) announcement declaring Coronavirus (COVID-19) a pandemic, COVID-19 is a foreseen event and certain coverages will not apply.

If you are considering canceling your trip due to the COVID-19, please read your insurance policy thoroughly.  Generally, fear of travel is not a covered event.

Nonetheless, there may be additional options available to travelers whose plans have been impacted.   Travelers planning to re-book their travel for a later date may be able to modify their current insurance policy to apply to future travel.  For more information on policy modifications, please see the question below “If I rebook my covered trip for a later date, can I apply the travel insurance premium from my original trip to the rebooked trip?”

In addition, if your travel has been cancelled, you may be eligible for a premium credit that you can use for future travel.  For more information on premium credit and how they may apply to your situation, as well as unused premium refunds generally, please see the question below “Can I cancel my insurance and get my unused premium refunded?”

The following are the questions our Travel Services team is receiving most frequently:

 

Frequently Asked Questions regarding COVID-19 and Travel Insurance

I am worried about traveling due to COVID-19 and I want to cancel my travel plans. Am I covered?

Trip cancellation solely for concern or fear of travel associated with sickness, epidemic or pandemic, including (COVID-19), is not covered.

If the cancellation of your trip is not covered, you may be eligible for an insurance unused premium refund or a travel insurance credit. For more information on unused premium refunds and premium credit, see the question below regarding “Can I cancel my insurance and get my unused premium refunded?”

I have booked a trip to a region affected by COVID-19 that is scheduled soon. Will I be able to cancel my trip and receive reimbursement?

It depends on the reason for cancellation. If you need to cancel your travel plans, please consult the Unforeseen Events portion of your insurance policy to see a list of reasons for Trip Cancellation and Trip Interruption that may be covered, along with General Limitations and Exclusions from coverage. You are encouraged to file a claim if one of the covered reasons could possibly apply to your situation as you may be eligible to be reimbursed for your unused, non-refundable, pre-paid trip costs if you need to cancel your trip. Please be specific about why you cancelled, as coverage depends on the exact reason for cancellation.

If the cancellation of your trip is not covered, you may be eligible for an insurance unused premium refund or a travel insurance credit. For more information on unused premium refunds and credit, see the question below regarding “Can I cancel my insurance and get my unused premium refunded?”

The U.S. State Department has advised against non-essential travel. Am I covered due to the U.S. State Department warning?

There is no coverage for this specific reason. However, we suggest you contact your travel providers to seek a refund. Should you have other unused, non-refundable, pre-paid trip costs, consult the Unforeseen Events portion of your insurance policy. You are encouraged to file a claim if one of the covered reasons could possibly apply to your situation.

You may also be eligible for an insurance unused premium refund or a travel insurance credit. For more information on refunds and credits, see the question below regarding “Can I cancel my insurance and get my unused premium refunded?”

Can I cancel my travel insurance and get my full premium refunded?

You are eligible for a full refund of your premium under the following conditions:

  • You request a refund of your premium within 10 days of the effective date of your policy. Full refund eligibility is state specific, and the policy document provided to you upon purchase should be consulted to view your refund eligibility window,
  • You have not started your trip, and
  • You have not filed a claim.

Please review your insurance policy for specific details.

If you cancelled your insurance policy due to COVID-19 concerns but are not eligible for a full refund, you may be eligible instead for a refund of unused insurance premium or travel insurance premium credit for the full value of the policy purchased. Premium credits do not expire.

If I rebook my covered trip for a future date, can I apply the travel insurance premium from my original trip to the rebooked trip?

If you have not yet begun your trip, you may modify your insurance policy and apply the entire premium paid to a new booked trip. Your new premium will be calculated based on the details of your rebooked trip. If the new premium is greater than your original premium, there will be additional premium charged. If the new premium is less than your original premium, you may be eligible to receive an insurance premium credit for the difference. Please note that once you modify your policy, you will not be able to file a claim against the original policy or trip.

I have upcoming travel. Will I be able to cancel my trip and receive reimbursement?

It depends on the reason for cancellation. If you need to cancel your travel plans, please consult the Unforeseen Events portion of your insurance policy to see a list of reasons for Trip Cancellation and Trip Interruption that may be covered, along with General Limitations and Exclusions from coverage. You are encouraged to file a claim if one of the covered reasons could possibly apply to your situation as you may be eligible to be reimbursed for your unused, non-refundable, pre-paid trip costs if you need to cancel your trip. Please be specific about why you cancelled, as coverage depends on the exact reason for cancellation.

If the cancellation of your trip is not covered, you may be eligible for an insurance unused premium refund or a travel insurance credit. For more information on refunds and credit, see the question above regarding “Can I cancel my insurance and get my premium refunded?”

What happens if the airline cancels my flight due to COVID-19?

If the flight to or from your destination is cancelled due to COVID-19, there would be no coverage under the insurance policy for the canceled flight itself. However, we suggest you contact the airline to seek a refund for your flight. Should you have other unused, non-refundable, pre-paid trip costs, consult the Unforeseen Events portion of your insurance policy. You are encouraged to file a claim if one of the covered reasons could possibly apply to your situation.

Even though the cancellation of your flight is likely not covered, you may be eligible for an insurance unused premium refund or a travel insurance credit. For more information on refunds and credits, see the question above regarding “Can I cancel my insurance and get my premium refunded?”

Am I covered if I have Cancel for Any Reason (CFAR) coverage?

If you purchased Cancel for Any Reason (CFAR) coverage, you could be covered for a percentage of the loss, provided you meet the policy CFAR requirements, and provided the trip is cancelled more than 48 hours prior to the scheduled departure date. Refer to your insurance policy (or Description of Coverage) for details.

Can I purchase a policy with CFAR coverage?

CFAR coverage is only available at the time a plan is purchased and, unless otherwise noted on your policy, must be purchased within 14 days of your initial trip deposit. As a result, if you have an existing insurance policy, you are not eligible to add on CFAR coverage.

Am I covered if I contract COVID-19?

If you contract COVID-19 prior to your departure, you could be covered for Trip Cancellation if there is a confirmed diagnosis, including proof of illness from your doctor that states you are medically unable to travel at the time of departure. If you become ill with COVID-19 while on a covered trip, you could be covered for Medical Expense and Trip Interruption benefits if there is a confirmed diagnosis, including proof of illness from a doctor. These coverages are subject to the terms and conditions of your insurance policy. Please review your travel insurance policy.

Will Redpoint provide evacuation services if I contract COVID-19 while travelling?

Although limitation 1.4.4 within the Ripcord and Cavalry Member Services Agreement may apply, we encourage travelers to contact our Travel Services team at the first sign they are experiencing any symptoms of COVID-19. Our team will coordinate with you to provide all services described by the Member Services Agreement, however, any assistance we provide will be subject to government regulations, quarantine mandates, or other restrictions specific to COVID-19. A medical transportation could only be performed once all applicable quarantine mandates are met.