NOTICE: We strongly urge you to read our COVERAGE ALERT before purchasing your travel protection plan. It is important that you understand how our policies limit or exclude coverage related to COVID-19, as well as temporary, specific accommodations we are making during the pandemic.

COVID-19 Frequently Asked Questions

Updated December 20, 2022 - Coronavirus

As of January 21, 2020, the first Coronavirus case was identified in the US and was recognized as an epidemic by the CDC as of February 3, 2020. Additionally, interstate travel restrictions and shelter in place orders were put in place effective March 17, 2020. As such, known issues that are considered foreseeable as a result of the Coronavirus may impact the covered reasons included in your travel policy.

We are committed to assisting our policyholders who may need help navigating the impact of this epidemic on upcoming travel plans or while they are traveling.

To help you better understand your policy, below are some helpful Questions and Answers that may address your concerns prior to your trip. We are monitoring this situation and will provide applicable updates to our website at If you need any additional guidance please contact us at 1-866-889-7409.

Please note that these answers only apply to customers whose Policies include the applicable benefits. All other Policy terms, conditions, and exclusions apply.

If you, a traveling companion or family member test positive for Coronavirus, you may be covered for trip cancellation or trip interruption provided you are advised by a Physician that you are not fit for travel within five (5) days of your trip's departure or you are unable to continue on your trip. If you are required to quarantine during your trip and are unable to return home, you may be covered for additional accommodation and meal costs subject to the limits on your Plan. Please review If I decide to postpone my trip or change my travel dates or destination, can I use my existing policy for the new trip? for proof of loss required.

We will accept the following documentation as proof of loss for the following benefits:

For trip cancellation – If an insured, insured's family member, or a traveling companion, or a business partner or a traveling companion's family member, tests positive with COVID-19, current CDC guidelines for travel state: "Do not travel until a full 5 days* after your symptoms started or the date your positive test was taken if you had no symptoms."

For all travel with departure dates on or after 12/20/2022, we will be following these CDC guidelines to determine coverage for trip cancellations due to COVID-19.

If you need to cancel a trip due to a positive COVID-19 test result:

  • You must submit the following with your filed claim
    • An Attending Physician's Statement (APS) that includes the date of the first onset of symptoms, the date of the positive COVID-19 test, and a physician’s statement certifying the symptoms or restrictions that prevent you from traveling on the date of departure; we encourage you to immediately see a physician upon onset of symptoms to obtain the APS in a timely fashion; OR
    • In lieu of an APS, and in accordance with current CDC guidelines*, we will accept a positive test result administered or video monitored by an approved third party lab or physician’s office (at home collection will not be accepted) if the positive test occurs within 5 days* prior to trip departure and is collected and dated within this 5 day period
  • If a positive test occurs more than 5 days* prior to departure, we will require an APS within the 5 day period prior to the scheduled departure date certifying that the sickness is so disabling as to prevent travel on the date of departure.

* Subject to change by the CDC. For updated CDC guidance on COVID-19, please visit the CDC's website at, or consult your medical professional.

For Trip Interruption**: If an insured, insured's family member, or a traveling companion, or a business partner or a traveling companion's family member tests positive with COVID-19 during their trip with a signed Attending Physician Statement. We will also accept a lab report of a positive COVID-19 test administered and supervised by an accredited health care professional (such as CVS, Walgreens, etc.). Results solely from an at-home test are not acceptable.

For Trip Delay**: Trip delay benefits apply if you are delayed en route to, during or returning home from your trip if an insured, insured family member who is also traveling, or insured’s traveling companion tests positive with COVID-19 with a signed Attending Physician Statement. We will also accept a lab report of a positive COVID-19 test administered and supervised by an accredited health care professional (such as CVS, Walgreens, etc.) Results solely from an at-home test are not acceptable.

** If you or your traveling companion test positive for COVID-19 while you are on your trip and are unable to return home on your scheduled departure date, you may be covered while you are delayed by the Trip Delay benefit for additional hotel nights, meals and local transportation. In addition, you may be covered by the Trip Interruption benefit for airline change fees or additional transportation costs to rebook your flight home. Please review your policy confirmation documents for the daily and total benefit limits.

Once you return home, you may file your claim online by visiting Please complete the Trip Delay claim form.

You will need to provide the following documents when you submit your claim:

  • Proof of positive COVID-19 test.
  • Proof of negative test or Certificate of Recovery from a physician documenting that you are fit to return home. You can submit the cost of the follow up COVID-19 test or the doctor visit for Recovery Certificate as part of your claim. Please include a receipt.
  • Original and revised itinerary including flight information.
  • New airfare receipt showing cost of the additional ticket(s) or change fee(s).
  • Please provide a copy of all receipts for meals, local transportation and the hotel invoice. Additionally, please itemize each receipt with an explanation of the associated expense – if you have a credit card statement showing the charges, please provide that so that we can review any currency conversions.

Concern or fear of travel is not a covered event under our standard Trip Cancellation or Interruption benefits.

A declaration of a state of emergency is not a covered reason under our standard Trip Cancellation or Interruption.

This is not considered a road closure. This would be classified as a mandatory requirement by a local government to restrict access to residents only. This restriction is not a covered reason under our standard Trip Cancellation or Trip Interruption benefits. Please contact your property manager to discuss options.

If you depart on the trip and once you get there, you are quarantined, you may have coverage under Trip Interruption or under Travel Hazard if your trip delay is caused by or resulted from such an order, provided you purchased your policy prior to March 21st, 2020.

There are no standard benefits under the policy for shelter in place or stay at home orders issued as they are not considered quarantines as defined by the CDC or the Code of Federal Regulations. These orders are intended to prevent further spread of COVID-19 in a community. Unlike quarantines that completely prohibit the movement of individuals, there are many exceptions provided under these orders that permit people to leave their homes for essential activities including (but not limited to) seeing a doctor for medical care, grocery shopping, pick up carry-out from restaurants, and outdoor exercising like biking or jogging – while practicing social distancing. Furthermore, these circumstances do not require individuals to have been exposed to the virus and therefore required to be quarantined.

Emergency Medical Treatment benefits may be available under the Policy if the Policyholder contracts the virus while traveling regardless of the date of travel. Additionally, Emergency Medical Evacuation benefits may be available if it is determined that transportation to a higher level of care is necessary as a result of contracting the virus while traveling.

You must contact your Vacation Rental Manager to discuss any options.

Unless your plan included Cancel For Any Reason upgrade, there is no coverage under the policy for this circumstance. You should contact your VRM to determine options available. Please note, that if your plan does include the Cancel For Any Reason Upgrade, it does not cover penalties associated with any air or other travel arrangements not provided by the VRM or the failure (or inability) of the VRM to provide the bargained-for Travel Arrangements due to cessation of operations for any reason (including a government travel restriction).

Yes, you should contact your Vacation Rental Manager to make any rental date changes and corresponding insurance changes.

Insurance coverages are underwritten by Arch Insurance Company NAIC #11150, under policy series LTP 2013 and amendments thereto. Plans are marketed by Out of Towne, LLC. dba Red Sky and offered and disseminated by registered travel retailers* on behalf of Arch Insurance Solutions, Inc., a licensed travel insurance producer (CA License #0I18111, TX License #1787195). Certain terms, conditions, restrictions and exclusions apply and coverages may vary in certain states. In the event of any conflict between your policy terms and coverage descriptions on this website, the terms and conditions of your policy shall govern. For a complete description of the coverage and benefit limits offered under your specific plan, carefully review your Plan documents. *Plans are solicited by licensed producers in NY and HI.

For more information on COVID-19, please visit the World Health Organization’s website at, or the CDC’s website at, or consult your medical professional.