Travel Insurance

Travel Insurance

Art In Voyage offers travel insurance through several providers (CSA/GENERALI, SEVEN CORNERS, AXA, ALLIANTZ, BERSHIRE HATHAWAY) based on the guests need and requirements. When coverage is not offered in one state by certain providers, we will use a different one to ensure our guests have full coverage when deciding to purchase travel insurance. Coverage includes SARS and COVID-19 (when getting infected, not for cancelations related to fear of). Travel Insurance is an optional service that may be added upon making a reservation online (at the time of confirming your booking) or with one of our specialists. In some instances, it is included in your package. Coverage is activated once your eligibility has been determined and the premium paid.

It is important to note that, ultimately, your state of residence (or country for our international guests) and pre-existing conditions will determine eligibility for this plan. Should you not qualify for travel insurance, you will not be charged for it and an alternative will be provided.

What is usually covered?

While coverage may change from time to time, it is widely accepted that only the following reasons would be acceptable to activate the coverage and have a successful claim paid out:

  • Death OR sickness (you, a family member, a traveling companion or a business partner) that prevents your participation in the trip. Medication, treatment and no travel order must be proven.
  • Jury duty
  • Cancelation of time off for active duty military personnel
  • Primary residence rendered inhabitable
  • Traffic accident on your way to the airport (police report required)
  • Strike of the common carrier for at least 48 hours
  • Inclement weather causing complete cessation of services for at least 48 hours
  • Involuntary employer termination affecting you or traveling companion (you must have been with the same company for at least one year and not be a contractor)
  • Terrorist incident occurrence at one or all destinations within 30 days of departure
  • Bankruptcy of the airline, tour operator, travel supplier
  • Felony assault of you or travel companion within 10 days of scheduled departure

    It is important to note that changing your mind by fear of something happening. Known events (events that have widely made the news) are not covered if you purchase the policy AFTER the event becomes known.

  • Benefits

    Coverage may vary based on the provider. Art In Voyage will always make sure the highest pay-outs are selected

    Travel

  • Trip Cancellation: 100% of Trip costs*
  • Trip Interruption: 150% of Trip costs* (Limited to $1,000 if your trip cost is $0)
  • Single Occupancy Supplement: Trip cost*
  • Trip Delay: Minimum 12 hours delay $100 per day, maximum of $500
  • Missed Connection: Minimum 3 hours delay, maximum of $500

    *(Up to the lesser of the trip cost paid or the non-refundable cancellation penalty(ies) imposed by the travel supplier(s).)

    Accidents & Health

  • Emergency Accident and Emergency Sickness Medical Expense: $0 Deductible; Maximum of $100,000
  • Emergency Dental Treatment: maximum of $750
  • Accidental Death & Dismemberment (AD&D): $25,000 Principal Sum
  • Coma: Maximum of $50,000; 1% per month
  • Felonious Assault: $10,000

    Emergency Travel

  • Emergency Medical Evacuation and Medically Necessary Repatriation: Maximum of $100,000
  • Bedside Traveling Companion: Included in Emergency Medical Evacuation and Medically Necessary Repatriation
  • Return Insured Home: Included in Emergency Medical Evacuation and Medically Necessary Repatriation
  • Return Minor Child(ren): Included in Emergency Medical Evacuation and Medically Necessary Repatriation
  • Transportation of Spouse or Domestic Partner: Included in Emergency Medical Evacuation and Medically Necessary Repatriation
  • Return of Mortal Remains: Maximum of $50,000
  • Political Evacuation: Maximum of $100,000

    Property Coverage

  • Baggage Delay (Outward Journey Only): Minimum 12 hour delay $100 per day, maximum of $200
  • Baggage Delivery (Outward Journey Only): Maximum of $100
  • Baggage / Personal Effects: $0 Deductible Maximum of $2,500 Per Item Limit: $250 Described Valuables: $500
  • Sports Equipment Rental Coverage: Maximum of $500
  • Personal Liability: Maximum of $100,000

    Cancel For Any Reasons (additional premium of 50%)

  • Your unused and nonrefundable trip costs, such as hotel and airfare expenses that will not be refunded if you must cancel your trip.
  • Medical expenses that could occur if you get sick or hurt on your trip.
  • Baggage and personal belongings that could be lost, stolen or damaged during travel.

    Important notes about CFAR:

  • The Cancel for Any Reason benefit requires you to insure 100 percent of your non-refundable trip expenses. If your hotel, airline, or excursion provider will refund you part of the money you paid for your trip if you cancel, you do not need to ensure the refundable amount.
  • To be activated and valid, it requires to subscribe to that option with 14 days of your initial trip payment, and to cancel your trip at least 2 days prior to departure.
  • Reimbursement is Limited: you won’t receive 100 percent of your non-refundable trip cost when you cancel. Instead, you will receive a stated percentage (75%)
  • Can I cancel my trip if I become ill with COVID-19 before my trip?

    The trip cancellation* benefit reimburses you for your prepaid and nonrefundable trip expenses if you cannot take your trip for a covered reason.
    So, yes, you can cancel your trip if you become sick with COVID-19 before your trip if:

  • You are sick before you leave on your trip.
  • You require medical treatment that results in medically imposed restrictions certified by a physician, and
  • COVID-19 prevents you from participating in your trip.
    Other covered reasons for trip cancellation related directly or indirectly to COVID-19 could apply, including quarantine, death, and called to military duty for a national disaster other than war.

    Please note the ordinary meaning of the term “quarantine” is strict medical isolation imposed by a recognized government authority, their authorized deputies, or a physician to prevent the spread of disease. An order is not considered to impose strict medical isolation unless the order requires you to be confined 24 hours per day, seven days a week.

    In addition, if the government of a destination where you are scheduled to arrive is requiring all similarly situated travelers to the destination to be quarantined (as described above) for a period of time upon arrival, you may be eligible for Trip Cancellation coverage — provided the quarantine you would face is in effect within 14 days of your scheduled departure date. You must cancel your trip during this 14-day period prior to your scheduled departure date. If you cancel your trip more than 14 days prior to the trip, there is no Trip Cancellation coverage due to quarantine at an intended destination.

  • Can I cancel my trip if I am afraid to travel because of COVID-19?

    Fear of travel is not a covered reason, so you cannot cancel your trip in this case and receive payment for your trip expenses.

    You can, however, buy optional Cancel for any Reason (CFAR).** With it, you can cancel your trip for absolutely any reason you wish!

    How does CFAR work?

  • You will be reimbursed for 75% of your prepaid and nonrefundable trip expenses.
  • You can add CFAR for an extra 50% of the price of your premium
  • You can add CFAR to your plan within 14-21 days of the date your initial trip deposit is received (it varies with insurance companies)
  • You must cancel your trip 2 days or more before your scheduled departure date.

    Note that CFAR may not be purchased independently from the travel insurance. It is an add-on to our plan, not a plan on its own.
    **CFAR is not available in all states. Our quick quote will display it as an option for you if it is available in your state.

  • What about trip interruption?

    Trip interruption coverage reimburses you for prepaid payments for unused non-refundable land or water travel arrangements and your additional transportation cost to:

    Join your trip if you must leave after your scheduled departure date or travel via alternate travel arrangements; or
    Rejoin your trip or transport you to your originally scheduled return destination if you must interrupt your trip after departure.
    You can interrupt your trip if you become sick with COVID-19 on your trip if:

  • You become sick while you are on your trip.
  • You require medical treatment that results in medically imposed restrictions certified by a physician, and
  • COVID-19 prevents you from continuing to participate in your trip.
    Other covered reasons for trip interruption related directly or indirectly to COVID-19 could apply, including quarantine, death, and called to military duty for a national disaster other than war.

    Please note the ordinary meaning of the term "quarantine" is a strict medical isolation imposed by a recognized government authority, their authorized deputies, or a physician to prevent the spread of a disease. An order is not considered to impose a strict medical isolation unless the order requires you to be confined 24 hours per day, seven days a week.

    In addition, if you have already departed on your trip but have not yet entered a destination that requires all similarly situated travelers to be quarantined (as described above), there may be coverage for Trip Interruption — provided the quarantine you would face is in effect within 14 days of your scheduled arrival at the destination.

  • What about medical expenses related to COVID-19?

    If you become sick with COVID-19 while traveling, it is covered the same as any other type of sickness. That means it will be treated the same way as an illness you might have, like the flu, for example.

    Additionally, if you require an Emergency Medical Evacuation or Medical Repatriation, it would be covered in the same way those coverages apply to other sicknesses.

    updated February 11, 2021