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Department of Insurance’s FAQs on Travel Insurance and COVID-19
April 17, 2020
On March 13, 2020 the Nebraska Insurance Department posted a list of FAQs for consumers including information on how epidemics are generally covered. According to the FAQ, insurance policies typically exclude epidemics and pandemics. Though, the FAQ also noted that there may be coverage if a specific country imposes travel restrictions. Some airlines and tour companies will allow cancellations outside of an insurance policy. Additionally, travel policies with medical coverage may cover any illnesses or hospitalizations that occur during a trip, but you need to review your policy to see if your policy is one of them. The top three things to remember:
- Read your policy to determine if travel insurance covers the types of events that you want to cover.
- Review the policy thoroughly. Ask about any coverage limitations or exclusions.
- Remember, your homeowner’s policy should protect your possessions while traveling. But if you have expensive items, consider purchasing additional coverage.