TuGo………………COVID-19 (Coronavirus) Related

Am I covered if I travel to destinations that don’t currently have a travel advisory in place?

Emergency Medical Insurance

Yes, Emergency Medical Insurance is still available to you, as long as the destination you’re visiting doesn’t have an “avoid non-essential” or “avoid all” travel advisory in place before you leave.

That said, if you’re aware of a new travel advisory before departure (for instance, in countries like USA or Japan) and you decide not to travel, you can apply for a refund provided the refund request is prior to the effective date of the policy.

If you have a layover in a country like China where there is an “avoid non-essential” or “avoid all” travel advisory, Emergency Medical coverage won’t be provided if your sickness or injury is directly or indirectly related to the coronavirus.

Trip Cancellation & Trip Interruption Insurance

As of March 4, 2020, COVID-19 was considered a known circumstance for travel; which means it’s no longer considered sudden and unexpected. If you bought Trip Cancellation & Trip Interruption Insurance before March 4, 2020, coverage would still apply provided there was no avoid all or non-essential travel advisory in place at the time insurance was purchased or trip booked to that destination.