HTH Worldwide Insurance FAQs and Answers

• Are there any restrictions on Trip Cancelation /Trip Interruption claims if a traveler (or their family member) is actually sick with Covid-19?

  Covid-19 would be considered as a Sickness under the plan for a traveler or family member.

  Are there any restrictions on medical coverage for Covid-19?

  There are no restrictions on medical coverage/evacuations for Covid-19 while on the trip, provided that the assistance company/medical personnel are providing services in the area.

  Can I still buy travel protection with the Covid-19 in effect?

  Yes, although the plan will not cover if you cancel the trip solely due to fear of Covid-19 it could still cover for all other reasons you would cancel a trip such as death in the family, sickness or accident that does not allow you to travel.

  How would a multi destination trip be handled? For example, someone is traveling around Europe and one of their stops is Italy. Would they be able to submit a claim for trip cancellation or trip interruption if they purchase February 3rd for this trip and decide to cancel their Italy portion?

  If your plan has either the CDC warning or Travel warning issued by US Department of State peril and the date it was a “known” event was January 31st for worldwide, therefore a policy purchased on February 3rd would not have these perils available to them. If the plan was purchased prior to January 31st: if a country is part of the warning, the person is eligible to cancel their entire multi-destination trip or we would pay for just the missed portion (or any change fees to allow them to avoid the said country).

• Trip Protector & Trip Protector Preferred FAQs

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  • Who is eligible to purchase a Trip Protector policy?
  • Why should I buy this insurance?
  • Exactly what does the insurance reimburse?
  • Doesn't my medical insurance cover me?
  • Won't the credit card that I use pay for the trip or the travel supplier reimburse me, if something goes wrong?
  • What is the major difference between Trip Protector and Trip Protector Preferred?
  • What methods of payment are accepted?
  • How are medical evacuation decisions made?
  • Are acts of terrorism covered under this plan?
  • How do I access participating medical providers outside the U.S. and avoid claim forms?
  • Will my pre-existing condition be covered under a Trip Protector plan?
  • Does the Trip Protector Plan cover pandemics such as claims resulting from the H1N1 virus?
  • Do I file medical claims with my primary insurance first?
  • I am leaving before my policy materials arrive in the mail. How will I receive the information I need in time?
  • I already left on my trip. Can I buy a Trip Protector plan when I am outside the U.S.?
• What if my destination has become a level 3 for the Coronavirus and my doctor has advised me not to travel as I have a condition that makes me more prone to becoming sick?

  If your doctor advises that you cannot travel due to your health, a letter stating this will be required at the time of claim. Travelers must meet the definition of “Sickness.” They are directed to submit a claim. All claims will be adjudicated based on their own unique circumstances and per the terms of the policy wording.

  Will the trip cancellation benefit cover cancelled trips solely due to Coronavirus?

  If cancellation is done by traveler solely due to fear of Coronavirus, then no claim will be paid. Being afraid of the possibility of Coronavirus is not a covered reason.

  What can I do if I am afraid to travel?

  If you want to cancel your trip out of concern for the Coronavirus, you will need to have a plan with Cancel for Any Reason Coverage. This benefit is a time sensitive coverage and not all travelers may be eligible.

• How are you handling Premium Refunds?

  Trip Cancellation: If the travel supplier cancels the trip completely, and provides a full refund of trip costs, Nationwide will refund the premium for the travel insurance. Nationwide will not offer a refund for travelers who voluntarily cancel their trip, even if the travel supplier gives a full refund.

  Can I postpone my trip to a future date:

  Trip Postponement: If a Traveler postpones their Trip due to the Coronavirus, Nationwide will allow the Traveler’s current insurance policy to extend to those new trip dates provided:

  • The new trip dates are no more than 9 months from their original trip dates and no more than 24 months from their original effective dates.
  • Additional premium, if needed based on the new or postponed trip, will be collected. No refund will be considered if the premium for the new or postponed trip is less than the original trip premium.

  Is there any flexibility on the new trip booking timeframes imposed by the Carrier?

  This will be handled on a case by case basis. Industry is moving towards allowing a 24-month extension regardless of original booking date.

• If someone is quarantined due to Coronavirus, what coverage will they have? Is their coverage extended during the quarantine? Any restrictions?

  If a Traveler is quarantined while on their trip due to the Coronavirus, their travel insurance policy will continue to be in effect during their quarantine.

  What happens if someone is quarantined, who pays for that expense (additional hotel rooms, food, etc.), and when it is time to go home, how do those individuals get home (arranging airfare, getting to airport, cost, etc.)?

  This could be considered under the Trip Delay or Trip Interruption benefits, or any other benefits that address quarantine, depending on the policy language.

  I have been diagnosed with COVID-19 and am ordered to quarantine by a physician or government authority before my trip (which would include the scheduled departure date). Could that be covered under trip cancellation?

  Yes.

  I have been diagnosed with COVID-19 and am ordered to quarantine by a physician or government authority during my trip. Could that be covered under trip interruption?

  Yes.

  The local government has issued a blanket stay at home order for my area. Would this fall under the definition of a quarantine allowing for trip cancellation? (To our knowledge, this is not a covered reason under Trip Cancellation benefits)

  It would depend on how the stay in being is drafted and applied. In nearly all instances to date, stay in place has not been considered quarantine.

  Scenario: The destination (whether domestic or international) that I plan to travel to is allowing US residents to enter, but has ordered all incoming travelers to quarantine upon arrival. I don't want to travel if I'm going to have to quarantine myself when I get there.

  1. Could this be considered a covered quarantine and grounds to cancel your trip?
     Ans: Yes
  2. Are there any special guidelines around this?
     Ans: Yes, the quarantine order occurred after the effective date, the insured did not cancel their trip more than 14 days prior to their scheduled departure.
  3. If the policy was purchased after the state/country announces the mandatory quarantine requirement, would it be considered foreseen and not covered?
     Ans: Correct.
• What is the process to get Cancel For Any Reason (CFAR) on my plan?

  This is the process:

  1. You Must purchase the policy within 21 days (variable by plan) of the date your initial deposit is received.
  2. Must insure 100% of all non-refundable trip cost (additional terms apply).

  What is the cancellation process for Cancel For Any Reason (CFAR)?

  This is the process:

  1. You must cancel the trip 48 hours or more prior to your scheduled departure date.
  2. You will only receive 75% (variable by plan) of what is not refunded to you by the tour operator at time of cancellation.