With the economy downturn, a new threat has just started hitting the world—the swine flu. Now maybe, you have planned to tour with the satisfaction of buying adequate travel insurance but still you are thinking: “Would travel insurance cover you if you want to cancel a planned trip because of the influenza situation?”

The answer?

Probably not, unless you bought a policy that covers cancellations for any reason.

InsuranceMall, India’s first and foremost online travel service provider, gives some new insight on this topic. Here it goes.

What is not covered?

If the insured cancels or interrupts a trip due to fear of contracting Swine Flu, there would be no coverage. Coverage can be available if the insured purchases the “cancel for any reason” upgrade available in the policy.

What is covered?

Here is the list to discuss when you’ll get covered if you want to cancel a planned trip because of the influenza situation:

1) If the insured is diagnosed with Swine Flu and needs to cancel or interrupt the trip due to the illness.

2) If the insured, due to contracting Swine Flu, incurs medical expenses on a trip and purchased their insurance prior to becoming infected with the flu.

3) Some coverage are there, where the insured can apply for cancellation if the insured purchases the optional “cancel for any reason” upgrade. Though, this kind of upgrade is only available if a policy is purchased up to 14 days from the date of deposit.

Now, if you want to understand the nuances of different types of travel policies and its price, feel free to seek the help of InsuranceMall to select the right products based on your need. Remember, insurance is not mandatory, but the cost of not having a cover is very high.