The Wilsons Thought They Were Fully Insured... The Policy Exclusion Proved Otherwise.

Most Travel Insurance policyholders never realize how specific policy language can affect their policies — until they learn how it can affect a claim. My Policy Advocate™ helps you understand your coverage before you need it.

The Wilsons’ Pandemic Exclusion*

The Wilsons booked a $12,000 trip to Southeast Asia. Days before departure, the US State Department issued a Level 4 “Do Not Travel” advisory due to a regional outbreak. The trip was non-refundable. The insurer denied the cancellation claim, citing the standard exclusion: “Losses caused by a government prohibition or pandemic are not covered.”.

Potential Denial (The Exclusion):

Standard policies exclude losses from government action, epidemic, or pandemic. "Cancel For Any Reason" (CFAR) is a separate, extra-cost policy option necessary for this type of situation.

Risk Identified by My Policy Advocate:

Risk Type: Epidemic/pandemic exclusion with government action carve-out (ubiquitous in US).

Policy Language:

“We will not pay for any loss or expense caused by or resulting from… any epidemic or pandemic, including government advisories or restrictions.”

Discovery by Clara, our Ai Assistant:

Clara flags the exclusion of government advisories and pandemics, prompting the user to ask about the non-standard CFAR (Cancel For Any Reason) rider.

Questions to Ask Your Agent:

  • Can I add CFAR coverage, and how much does it cost versus its limits?

* This scenario described is fictious and is solely for illustrative or educational purposes so the insured has the opportunity to discuss these issues with their licensed insurance producer.

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