U.S. travel policies and the Zika Virus


If you have plans to travel, be aware that the Zika virus has caused concern for those who are traveling to Central and South America.

Please review your travel insurance plan documentation carefully for coverage. As a general matter, under our U.S. policies:

  • Trip Cancellation for concern or fear of travel associated with sickness, epidemic, or pandemic is not covered.
  • Travelers who contract Zika before traveling, but after purchase of the policy, could be covered for Trip Cancellation benefits.
  • Travelers who purchased Cancel for Any Reason coverage could be entitled to a percentage of their loss, depending on the level of CFAR coverage purchased – please refer to your description of coverage for details.
  • Travelers who contracts Zika while on a covered trip, could be covered for Medical and Trip Interruption/Curtailment benefits if there is a confirmed diagnosis.

To learn about the details of coverage for your trip, please remember to refer to your travel insurance plan’s description of coverage. If you are a customer and have outstanding questions about coverage, please contact our 24/7 call center at 1.800.826.1300. If you are a travel agent or client partner, please call your Travel Guard sales manager.

Wherever your travels may take you, a great trip requires planning, reliable information (like Travel Guard Travel News articles) and a little bit of luck. And seasoned travelers know that when you travel, no matter how much you plan, sometimes things happen. When you run into unexpected issues, Travel Guard travel protection plans are here for you. If you're new to travel insurance, we have several pages that can help you compare plans and provide examples of why you should buy travel insurance for your upcoming trip.

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Coverage available to U.S. residents of the U.S. states and District of Columbia only. This plan provides insurance coverage that only applies during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home, and automobile insurance policies. If you have any questions about your current coverage, call your insurer or insurance agent or broker. Coverage is offered by Travel Guard Group, Inc. (Travel Guard). California lic. no.0B93606, 3300 Business Park Drive, Stevens Point, WI 54482, travelguard.com. CA DOI toll free number: 800-927-HELP. This is only a brief description of the coverage(s) available. The Policy will contain reductions, limitations, exclusions and termination provisions. Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 1271 Avenue of the Americas, 37th FL, New York, NY 10020-1304. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. Coverage may not be available in all states. Your travel retailer may not be licensed to sell insurance, and cannot answer technical questions about the benefits, exclusions, and conditions of this insurance and cannot evaluate the adequacy of your existing insurance. The purchase of travel insurance is not required in order to purchase any other product or service from the Travel Retailer.