FAQ Travel insurance

Frequently asked questions regarding Travel Insurance and the Coronavirus.

Are you currently traveling, or were you planning on traveling soon? Here are the most important and most frequently asked questions regarding Trip Cancellation insurance and Travel insurance.

Can I insure myself against costs incurred as a result of being infected with the Coronavirus while traveling?

ENNIA now also offers the supplementary ‘Covid-19 coverage’. This ensures you’re covered for costs incurred as a direct result of a pandemic illness, such as Covid-19. Your coverage will include medical costs and extraordinary costs (such as costs related to travel disruption and necessary additional accommodation costs) and repatriation of human remains to the country of residence.

I am traveling to an area where the coronavirus is present.

 

I have planned a trip to an area where the Coronavirus is present. Will I be able to claim Cancellation insurance?

No, Cancellation insurance is only valid in case something happens to you, the insured individual (you become ill or a member of your family passes away and you are unable to travel).

A change in circumstance while at your travel destination would usually not constitute a valid reason for cancellation. Only in the event damages have occurred at your destination address, due to fire or storm for instance, it is possible to claim the incurred costs in case these are not reimbursed by the property landlord.

In case your flight is cancelled by the travel agent, you will often have the opportunity to reschedule your trip or receive reimbursement of cancellation costs. These costs cannot be claimed from your Cancellation insurance.


I am planning to travel to an area for which the travel advisory is currently orange or red. Am I insured?

Yes, your coverage remains in place based on the current policy conditions. In the event ENNIA has excluded certain areas from the policy, those areas will not be included in your coverage.


If I have booked a flight to an area that is now prohibited for travel due to the Coronavirus, am I able to claim Cancellation insurance?

No, Cancellation insurance is only valid in case something happens to you, the insured individual (you become ill or a member of your family passes away and you are unable to travel).

A change in circumstance while at your travel destination would usually not constitute a valid reason for cancellation. Only in the event damages have occurred at your destination address, due to fire or storm for instance, it is possible to claim the incurred costs in case these are not reimbursed by the property landlord.

In case your flight is cancelled by the travel agent, you will often have the opportunity to reschedule your trip or receive reimbursement of cancellation costs. These costs cannot be claimed from your Cancellation insurance.


If a certain area becomes prohibited for travel due to the Coronavirus, but I have booked a trip to that area, can I get a refund of my Travel insurance premium?

Yes.  If your trip is cancelled due to the Coronavirus, you will receive a refund of your travel insurance premium, minus fees, upon valid proof of cancellation. A written confirmation from the travel organization or the airline stating that the trip is no longer on, for instance, constitutes a valid proof of cancellation.


I no longer plan on going on holiday, because I don’t want to risk becoming infected with the Coronavirus. I have already purchased Travel insurance. Am I able to get a refund of my Travel insurance premium?

Yes.  If your trip is cancelled due to the Coronavirus, you will receive a refund of your travel insurance premium, minus fees, upon valid proof of cancellation. A written confirmation from the travel organization or the airline stating that the trip is no longer on, for instance, constitutes a valid proof of cancellation. If you used your airmiles to purchase your ticket, proof of the airmiles having been refunded can be used as evidence.


My travel agent has informed me that the trip is still going ahead but will be modified due to the Corona guidelines. Do I have the right to cancel my trip?

You are not liable for compensation by the travel agent if you cancel your travel plans yourself. The Travel insurance policy does not cover contractual disputes with travel organizations.


My employer still insists on me traveling to an at-risk area. Can I refuse to comply?

Under these circumstances, an employee is protected by law for refusing to travel to an at-risk area. These are individual rights pertaining to the employee. The employer is obligated to provide a safe working environment. Imposing travel to an area for which a negative travel advice was issued, does not adhere to the requirement of providing a safe working environment.

I am currently in an area where the Coronavirus is present.


I would like to return home. Can I claim this on my Travel insurance?

No. Voluntary interruption of your trip is not covered under your Travel insurance policy. Travel disruption is only covered in case the insured urgently needs to return to their place of residency due to acute illness or accident.


The travel advisory has changed to orange/ red. Am I no longer insured?

You are still insured, given that the travel advisory changed once you were already in that specific area.


I’m being quarantined and have to extend my stay. Will my Travel insurance cover the costs?

Necessary additional travel, accommodation and telephone costs are only covered in case you’ve purchased the supplemental Covid-19 coverage. Your basic Travel insurance does not cover these costs.


I’m being quarantined and am therefore at risk of missing my next trip. Will I be able to claim Cancellation insurance?

No, the fact that you are quarantined while not ill is not a valid reason for claiming Cancellation insurance.


I am unable to return to my place of residence. I am stranded abroad. Can I extend my Travel insurance policy?

Yes. It is possible to extend your Travel insurance if you are stranded as a result of the Coronavirus. Coverage for the additional days starts once the extra premium has been paid. In this event it’s possible to purchase Travel insurance for longer than 90 days.

I have the Coronavirus


I have been infected by the Coronavirus. Am I insured?

You are only covered for costs that are the direct result of Covid-19, the illness caused as the result of the SARS-CoV-2 virus, in case you purchased the supplemental Covid-19 coverage.


I have the Coronavirus. Can other people hold me liable in case they become infected by me?

Probably not. For someone to be held liable, it must be proven that they willfully committed a wrongful act that has resulted in damages, and for which they can be held accountable. In practice this will be very difficult to prove.


I have contracted the Coronavirus at an airport/ hotel. Can I hold the airport/ hotel liable?

In order to hold someone liable for this, you must prove that they willfully committed a wrongful act that has resulted in damages, and for which they can be held accountable. In practice this will be very difficult to prove.

Covid testing


I’m at an airport and am required to do a Covid test. Does my Travel insurance cover this?

Costs associated with Covid testing are not covered by the Travel insurance. The requirement for Covid testing is a government measure and not an insured event.


The travel guidelines for my destination state that I will only be allowed in with a valid Covid test result. Does my Travel insurance cover the costs for this test?

The requirement for Covid testing is a government measure. These costs will not be covered by your Travel insurance.

Multi-trip travel insurance


I have a multi-trip Travel insurance. Due to the Coronavirus crisis I’m quite sure I won’t be going on holiday anymore this year. Am I entitled to compensation on the paid premium or am I able to cancel my insurance?

Your multi-trip Travel insurance went into effect the moment you purchased it. The premium is paid over a certain period. Despite the fact that you cannot travel abroad in the period ahead, you are neither entitled to compensation on the paid premium nor able to cancel your Travel insurance. It is however possible to cancel on the date your Travel insurance expires, provided you give two months’ notice. You must inform us of this in writing.