The Extension of Coverage is an Important Benefit
What is the Extension of Coverage?
If you insured the entire length of your Trip with your Trip Cancellation Travel Insurance Policy and your return is delayed by specific unavoidable circumstances beyond your control, all coverages will be extended to the earlier of the date you reach your originally scheduled Return Destination or X number of days after the originally Scheduled Return Date. Our policies extend either 7 or 10 days, depending on the policy, after the originally Scheduled Return Date.
Prior to Covid, the most common delay circumstances were carrier-caused, bad weather, strikes, natural disasters and medical treatment. What’s different now is that people are also being delayed because a doctor puts them into a medically-imposed quarantine due to a positive Covid test.
On August 5, 2021 a customer called me from his Viking cruise around Iceland. Even though he was fully vaccinated, he tested positive for Covid. His trip was ending on August 10th. He was put into a 10 day quarantine which means he and his wife were coming home on August 15th (five days after his original return date). He was happy to hear that their coverage wasn’t ending on August 10th, but that it would automatically extend until they got home on August 15th.
The purpose of the Extension of Coverage is cover you if something else happens to you when you are delayed. For this customer, the Trip Delay benefits covered part of the costs of their meals and accommodations. He never got ill from Covid so there weren’t any medical treatment costs.
There are a lot of trip cancellation plans from many companies that I don’t sell for various reasons. The main reason is their important coverages and policy term definitions aren’t very good. I’ve seen policies with no extension of coverage while others have just 2 days.
The Extension of Coverage days in the Companies I Trust:
| Company | Number of Days |
| CSA | 7 days |
| Generali | 7 days |
| IMG | 10 days (If quarantined due to Covid coverage is extended through the duration of quarantine plus 5 days) |
| Travelex | 7 days |
| Travel Guard Plus | 7 days |
| Travel Guard Preferred | 7 days |
| Travel Insured | 7 days (If quarantined due to Covid coverage is extended through the duration of quarantine plus 5 days) |
| TravelSafe | 10 days (If quarantined due to Covid coverage is extended through the duration of quarantine plus 5 days) |
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.
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