Is a US State Dept Level 4 Warning a Covered Reason to Cancel my Trip?

by Steve Dasseos on April 25, 2021

Hey, Steve, Another few questions regarding my policy:

  • I want to be sure I understand what effect the State Dept Level 4 Do Not Travel warning for Egypt has – would any claim be paid if we traveled at this level?
  • A related question would be when the State Dept warning was at Level 3 Reconsider Travel– would claims be paid or evacuation/repatriation be provided?
  • Since this Level 4 warning just occurred, is that a covered reason to cancel? We are not planning on cancelling but I did not see this addressed in the policy. I assume that means it is not covered.

Thanks! Kelly

Hi Kelly,

Here are the answers:

> would any claim be paid if we traveled at this level?

Yes, any claim for any covered reason will be covered at Level 4.

> when the State Dept warning was at Level 3 Reconsider Travel– would claims be paid or evacuation/repatriation be provided?

Yes, any claim for any covered reason would have been be covered at Level 3.

> Since this Level 4 warning just occurred, is that a covered reason to cancel?

No, not if you are cancelling your trip because a warning was issued. For example, there have been US State Dept travel warnings for Israel for years, yet, Israel is one of the safest places to go in the whole world.

In summary, US State Dept warnings have no effect on a claim (neither negative nor positive) and aren’t listed in the covered Trip Cancellation reasons.

There are lots of covered reasons to cancel a trip, but fear (including what the government and the media are saying), worry and concern about travelling are not covered. If you had a plan with the Cancel For Any Reason coverage, you could cancel for changing your mind, but the most you get reimbursed is 75% of your per person prepaid and non-refundable trip costs on the date you cancel.

I have discovered that many people think that these US State Dept Levels forbid one from travelling. In reality, they don’t. They are simply advisories that tell you what you might encounter, and what assistance a US Citizen should expect from the US government.

Here’s the list from https://travel.state.gov/content/travel/en/international-travel/before-you-go/about-our-new-products.html

Level 1 – Exercise Normal Precautions: This is the lowest advisory level for safety and security risk. There is some risk in any international travel. Conditions in other countries may differ from those in the United States and may change at any time.

Level 2 – Exercise Increased Caution: Be aware of heightened risks to safety and security. The Department of State provides additional advice for travelers in these areas in the Travel Advisory. Conditions in any country may change at any time.

Level 3 – Reconsider Travel: Avoid travel due to serious risks to safety and security. The Department of State provides additional advice for travelers in these areas in the Travel Advisory. Conditions in any country may change at any time.

Level 4 – Do Not Travel: This is the highest advisory level due to greater likelihood of life-threatening risks. During an emergency, the U.S. government may have very limited ability to provide assistance. The Department of State advises that U.S. citizens not travel to the country or to leave as soon as it is safe to do so. The Department of State provides additional advice for travelers in these areas in the Travel Advisory. Conditions in any country may change at any time.

Starting in February 2020, both on TripInsuranceStore.com and on my Blog at TripInsuranceStore.com/blog, I was writing about Covid and could be done with a Travel Insurance policy.

On March 19, 2020, I wrote this Blog post: https://tripinsurancestore.com/blog/do-you-have-an-upcoming-trip/

Then, on March 20, 2020 (and thoughout 2020) I sent the first of over 30,000 emails titled “Here’s what you can do with your Travel Insurance policy” to everyone who bought a policy from us for an upcoming trip. These weren’t generic emails because I sent them in batches to people with the same company explaining exactly what they could do so they didn’t lose the money they paid for their policy.

In addition to my March 19, 2020 Blog post, I also included the following information:

If your doctor’s telling you not to take your trip, read this: “Don’t Cancel for Your Own Medical Reasons If You’re Not Ill or Injured” at
https://tripinsurancestore.com/blog/dont-cancel-for-medical-reasons-if-youre-not-ill-or-injured/

All my companies have procedures for trips affected by the Coronavirus. I created this information page called Coronavirus Policy Date Changes at:
https://tripinsurancestore.com/coronavirus-policy-change/

So far, all our customers with rescheduled trips have re-used their policies while others are waiting to book replacement trips.

If you aren’t one of our treasured customers and you need help making changes to a policy (because whoever sold it to you failed to tell you in advance what you could do), contact us and we will help you make the changes if it’s still possible.

I hope this makes sense. If you want the right travel insurance advice, call us at 1-888-407-3854 and we’ll help you figure it all out.


Now, a word from our sponsor: TripInsuranceStore.com (the Most Exclusive, Informative & Friendliest Travel Insurance Comparison Site)

PS – If you liked what you read, please Subscribe to my Blog.

I hope this makes sense.

And, if you have any questions about travel insurance, call us Toll-Free at 1-888-407-3854 or email Steve (me), The Travel Insurance Guru, here or using steve [at] tripinsurancestore dot com.

I hope this makes sense. If you want the right travel insurance advice, call us at 1-888-407-3854 and we'll help you figure it all out.

Now, a word from our sponsor: TripInsuranceStore.com (Travel Forums' Most Recommended Travel Insurance Website)

PS - If you liked what you read, please Subscribe to my Blog.

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