SYDNEY, Australia – Credit cards with insurance options are available to all travelers amid the coronavirus outbreak in China, with cases recorded in other neighboring countries, including Australia.
In the wake of the spreading coronavirus, credit card owners are given a list of options to level up with insurance. Most credit cards include travel insurance, but not every credit card will help cover unexpected political unrest, natural disaster, or a sudden disease outbreak like the spreading coronavirus in China. Not every travel insurance on credit cards will cover cases where doctors advise people against traveling as well.
Travel insurance has become a major topic with the coronavirus outbreak, with people looking for available options from the available popular credit cards.
Based on the data from the World Health Organization, the 2019-nCoV or the current coronavirus outbreak was first reported in Wuhan, China, last December 31, 2019. The “n” in nCov stands for “novel,” meaning that the current coronavirus strain has not been detected nor known before the first report of the case.
As of the last situation report from the WHO on the virus outbreak, the majority of cases and deaths due to the virus are recorded in China. However, the report stated that it has spread out rapidly into 24 other Asian countries, as well as in Europe, North America, and Australia.
Australia, in particular, has already recorded 13 confirmed cases of the 2019-nCoV, with one new confirmed case as of February 5.
All confirmed cases of the virus in Australia, and most confirmed cases from other countries outside China, have been linked with a recent travel history to China. The recent report from the WHO has increased fears of many travelers, especially those still in the country. Many have become anxious about completing their travel itineraries, leading to travelers looking for answers about whether their credit card travel insurance would be useful when changing or canceling their trips.
In general, most credit card travel insurance would be of no use when it comes to changing or canceling trips, except for when a doctor advised against the travel.
One of the famous credit cards, American Express, comes with a host of travel insurance. Card options for travelers include the American Express Business Platinum, American Express Platinum, Delta SkyMiles Reserve, Hilton Honors Aspire, Reserve Business cards, and Marriott Bonvoy Brilliant credit cards.
Based on the information for these popular credit cards, they offer different travel insurance perks. The American Express credit cards offer travel insurance of up to $10,000 per person and as much as $20,000 per trip in any event of illness, harsh weather conditions, or other included situations that will cause a disrupted or canceled trip. The travel insurance is applicable for the total trip fare purchased using the American Express credit card.
However, forgoing a trip due to a global pandemic means also forgoing the travel insurance of the credit card. But the insurance will take effect in any event that the credit card holder is quarantined or was recommended for a quarantine.
Moreover, if there is a physician advise against the trip, noting that it is not medically advisable to go on with the trip, the cancellation coverage of the American Express credit card will kick in once the travel supplier is notified of the cancellation immediately.
Chase Sapphire credit card collections have travel insurance benefits for travelers as well. Chase Sapphire card includes access to travel insurance offers, including trip interruption and cancellation insurance, delay insurance, baggage loss insurance, and primary rental car insurance. Such travel insurance packages will take effect automatically to over the entire trip period as long as the purchases were made using a Chase credit card.
Trip interruption and cancellation insurance for Chase credit cards will cover up to $10,000 per person and as much as $20,000 per trip for nonrefundable travel purchases if the trip is altered because of an illness, severe weather conditions, and other covered situations. However, the insurance will only cover any unavoidable effects due to an illness or inability to complete the trip because of an advised for a quarantine. It will not cover any cancellation or disruption in the travel due to fears over a spreading virus.
Meanwhile, all Citi credit cardholders are out of luck for any travel insurance with the coronavirus outbreak. Citi has already dropped all its shopping and travel protection. The opportunity for travelers covered by the Citi credit card insurance has gone out of the wind since September 2019.
Credit card travel insurance is not necessarily aligned to prevent the rapid spread of the virus, like the current coronavirus. The same insurance policies for popular credit cards remain, and there are no special treatments for travelers affected or fearful about being infected of the virus if they travel to China or other countries that already have confirmed 2019-nCoV cases.
Aside from credit card travel insurance, there are a couple more options for travelers. For one, a few select travel suppliers, hotels, and airline companies have already announced their offer for a full refund on all purchases because of the virus outbreak. Many flights to and from China have also been recently canceled. In this case, travelers are recommended to contact their travel suppliers and airlines to find out if any forthcoming trip is canceled or rescheduled free of charge.
Another option for travelers is forfeiting the entire trip scheduled altogether. Some travel suppliers are willing to work with travelers, if not for a full refund of the purchases, but a partial refund at the very least. Some travel agencies are also offering to reschedule trips for free or discount offers for future travels.
Travelers also have the option to seek out their physicians and ask whether an upcoming trip to China or other countries affected by the coronavirus is medically advisable or not. If it isn’t, then any cancellation of an entire trip will be covered by the credit card travel insurance.
Moreover, some travel insurance firms have different eligibility conditions than American Express and Chase. Some also offer insurance coverages for travel purchases made before there was any published travel warning.