Redpoint considers COVID-19 the same as any illness for travel insurance benefits.

Coronavirus (COVID-19) FAQ

Redpoint considers COVID-19 the same as any illness for travel insurance benefits.

Redpoint continuously monitors Coronavirus (COVID-19).  Travelers should consult the World Health Organization (WHO) and Centers for Disease Control and Prevention (CDC) websites for the most up-to-date information on the Coronavirus outbreak.

Please note that due to the World Health Organization (WHO) announcement declaring Coronavirus (COVID-19) a pandemic, COVID-19 is a foreseen event and certain coverages will not apply.

If you are considering canceling your trip due to the COVID-19, please read your insurance policy thoroughly.  Generally, fear of travel is not a covered event.*

Nonetheless, there may be additional options available to travelers whose plans have been impacted.   Travelers planning to re-book their travel for a later date may be able to modify their current insurance* policy to apply to future travel.  For more information on policy modifications, please see the question below “If I rebook my covered trip for a later date, can I apply the travel insurance* premium from my original trip to the rebooked trip?”

In addition, if your travel has been cancelled, you may be eligible for a premium credit that you can use for future travel.  For more information on premium credit and how they may apply to your situation, as well as unused premium refunds generally, please see the question below “Can I cancel my insurance and get my unused premium refunded?*”

Redpoint maintains a global network of rotary and fixed wing air providers to provide best-in-class air ambulance services. Our providers have already transported COVID-19 cases back to the United States from destinations including Europe, Asia, Mexico and the Caribbean.

While transport of the COVID-19 positive patient is possible, the overall health of our travelers always takes priority. Restrictions to being eligible for transport include many factors and considerations, some of which are as follows:

  • Due to governmental restrictions related to COVID , cross border movement is limited
  • Often the best immediate care will be within regional centers of excellence
  • Height/weight restrictions due to the transport isolation units may apply
  • Decisions regarding transport will be made by Redpoint after consultation with the local treating physician and our medical team

The following are the questions our Travel Services team is receiving most frequently

(COVID-19 FAQs)

I am worried about traveling due to COVID-19 and I want to cancel my travel plans. Am I covered?*

Trip cancellation solely for concern or fear of travel associated with sickness, epidemic or pandemic, including (COVID-19), is not covered.

If the cancellation of your trip is not covered, you may be eligible for an unused insurance premium refund or a travel insurance credit. For more information on unused premium refunds and premium credit, see the question below regarding “Can I cancel my insurance and get my unused premium refunded?*”

I have booked a trip to a region affected by COVID-19 that is scheduled soon. Will I be able to cancel my trip and receive reimbursement?*

It depends on the reason for cancellation. If you need to cancel your travel plans, please consult the Unforeseen Events portion of your insurance policy to see a list of reasons for Trip Cancellation and Trip Interruption that may be covered, along with General Limitations and Exclusions from coverage. You are encouraged to file a claim if one of the covered reasons could possibly apply to your situation as you may be eligible to be reimbursed for your unused, non-refundable, pre-paid trip costs if you need to cancel your trip. Please be specific about why you cancelled, as coverage depends on the exact reason for cancellation.

If the cancellation of your trip is not covered, you may be eligible for an insurance unused premium refund or a travel insurance credit. For more information on unused premium refunds and credit, see the question below regarding “Can I cancel my insurance and get my unused premium refunded?*”

The U.S. State Department has advised against non-essential travel. Am I covered due to the U.S. State Department warning?*

There is no coverage for this specific reason. However, we suggest you contact your travel providers to seek a refund. Should you have other unused, non-refundable, pre-paid trip costs, consult the Unforeseen Events portion of your insurance policy. You are encouraged to file a claim if one of the covered reasons could possibly apply to your situation.

You may also be eligible for an insurance unused premium refund or a travel insurance credit. For more information on refunds and credits, see the question below regarding “Can I cancel my insurance and get my unused premium refunded?*”

Can I cancel my travel insurance and get my full premium refunded?*

You are eligible for a full refund of your premium under the following conditions:

  • You request a refund of your premium within 10 days of the effective date of your policy. Full refund eligibility is state specific, and the policy document provided to you upon purchase should be consulted to view your refund eligibility window,
  • You have not started your trip, and
  • You have not filed a claim.

Please review your insurance policy for specific details.

If you cancelled your insurance policy due to COVID-19 concerns but are not eligible for a full refund, you may be eligible instead for a refund of unused insurance premium or travel insurance premium credit for the full value of the policy purchased. Premium credits do not expire.

If I rebook my covered trip for a future date, can I apply the travel insurance premium from my original trip to the rebooked trip?*

If you have not yet begun your trip, you may modify your insurance policy and apply the entire premium paid to a new booked trip. Your new premium will be calculated based on the details of your rebooked trip. If the new premium is greater than your original premium, there will be additional premium charged. If the new premium is less than your original premium, you may be eligible to receive an insurance premium credit for the difference. Please note that once you modify your policy, you will not be able to file a claim against the original policy or trip.

I have upcoming travel. Will I be able to cancel my trip and receive reimbursement?*

It depends on the reason for cancellation. If you need to cancel your travel plans, please consult the Unforeseen Events portion of your insurance policy to see a list of reasons for Trip Cancellation and Trip Interruption that may be covered, along with General Limitations and Exclusions from coverage. You are encouraged to file a claim if one of the covered reasons could possibly apply to your situation as you may be eligible to be reimbursed for your unused, non-refundable, pre-paid trip costs if you need to cancel your trip. Please be specific about why you cancelled, as coverage depends on the exact reason for cancellation.

If the cancellation of your trip is not covered, you may be eligible for an unused insurance premium refund or a travel insurance credit. For more information on refunds and credit, see the question above regarding “Can I cancel my insurance and get my premium refunded?*”

What happens if the airline cancels my flight due to COVID-19?*

If the flight to or from your destination is cancelled due to COVID-19, there would be no coverage under the insurance policy for the canceled flight itself. However, we suggest you contact the airline to seek a refund for your flight. Should you have other unused, non-refundable, pre-paid trip costs, consult the Unforeseen Events portion of your insurance policy. You are encouraged to file a claim if one of the covered reasons could possibly apply to your situation.

Even though the cancellation of your flight is likely not covered, you may be eligible for an unused insurance premium refund or a travel insurance credit. For more information on refunds and credits, see the question above regarding “Can I cancel my insurance and get my premium refunded?”

Am I covered if I have Cancel for Any Reason (CFAR) coverage?*

If you purchased Cancel for Any Reason (CFAR) coverage, you could be covered for a percentage of the loss, provided you meet the policy CFAR requirements, and provided the trip is cancelled more than 48 hours prior to the scheduled departure date. Refer to your insurance policy (or Description of Coverage) for details.

Can I purchase a policy with CFAR coverage?*

CFAR coverage is only available at the time a plan is purchased and, unless otherwise noted on your policy, must be purchased within 14 days of your initial trip deposit. CFAR is only available for trips with certain travel providers. As a result, if you have an existing insurance policy, you are not eligible to add on CFAR coverage.

Am I covered if I contract COVID-19?*

Redpoint considers COVID-19 as an illness for travel insurance benefits.  Insureds wishing to make COVID-19 claims should be prepared to provide proof of confirmed clinical diagnosis in addition to any test results.

If you contract COVID-19 prior to your departure, you could be covered for Trip Cancellation if there is a confirmed diagnosis, including proof of illness from your doctor that states you are medically unable to travel at the time of departure. If you become ill with COVID-19 while on a covered trip, you could be covered for Medical Expense and Trip Interruption benefits if there is a confirmed diagnosis, including proof of illness from a doctor. These coverages are subject to the terms and conditions of your insurance policy. Please review your travel insurance policy.

Will Redpoint provide evacuation services if I contract COVID-19 while travelling?

Although limitation 1.4.4 within the Ripcord and Cavalry Member Services Agreement may apply, we encourage travelers to contact our Travel Services team at the first sign they are experiencing any symptoms of COVID-19. Our team will coordinate with you to provide all services described by the Member Services Agreement, however, any assistance we provide will be subject to government regulations, quarantine mandates, or other restrictions specific to COVID-19. A medical transportation could only be performed once all applicable quarantine mandates are met.

What is the Costa Rica Minimum Trip Cost Requirement?

For travelers who purchase Redpoint travel protection programs which include trip cost coverage* for trips to Costa Rica, we have implemented a minimum trip cost coverage* requirement of $2,000 USD per traveler to ensure all travel insurance* benefits meet Costa Rica’s entry requirements. Travelers entering Costa Rica are required to have a minimum of $2,000 coverage for Extended Accommodation / Lodging. Please note that, in the event of a trip cancellation* claim prior to departure, travelers would be limited to a potential payout of up to 100% of their lost, covered trip cost.

Will Redpoint evacuate me if I am travelling in a country with a Level IV Travel Health Notice Level (and a Do Not Travel to Named Country status)?

Redpoint Travel Protection is aware of the large number of countries added to the US Department of State Travel Restrictions list. This advisement puts many countries to Level IV Travel Health Notice Level and “Do not travel to [Named Country] due to COVID-19” status.

This US Department of State restriction on its own does not affect the way Redpoint membership programs apply to medical evacuations, however, local requirements regarding quarantine and isolation must be adhered to and any potential transportation or evacuation service must be carried out in accordance with local government approvals.

Am I covered if I am quarantined due to COVID-19?

Redpoint considers COVID-19 as an illness for travel insurance benefits. Insureds wishing to make COVID-19 claims should be prepared to provide proof of confirmed clinical diagnosis in addition to any test results.

You may be covered for trip interruption, medical expense, or trip delay benefits if you are quarantined during your trip due to a positive, clinical diagnosis of COVID-19. Please refer to your state-specific policy document for full coverage and benefit details. The “Extended Coverage” section of your policy may also apply.
You could be covered for trip cancellation, interruption, or trip delay if you are quarantined due to a government COVID-19 restriction or mandate. You will be required to provide proof of requirement to quarantine upon filing your claim.

Does Redpoint coverage meet my travel destination entry requirements?

Redpoint Travel Protection plans with travel insurance contain trip cancellation, trip interruption, trip delay, and generally include medical expense benefits (please check your state specific policy document or purchase package). Many destination entry requirements relate to medical expense coverage and coverage for additional lodging expenses should a traveler be quarantined. The benefits within Redpoint Travel Protection plans should meet these requirements, although it will ultimately be up to the appropriate travel authorities at your destination as to whether coverage is sufficient.

* Benefits described are related to travel insurance underwritten by State National Insurance Company Inc.

 

Optional Travel Insurance Coverage:
This summary is only a brief description of the coverage(s) available under policy series PC_AHR_RCH (01/2021). This summary does not replace or change any part of your policy. The policy will contain reductions, limitations, exclusions, and termination provisions. Please read the policy carefully to fully understand the coverages, terms, conditions, limits and exclusions. If there is a conflict between this summary and the policy, the policy will control. This policy provides insurance coverage that only applies during a covered trip. You may have coverage from other sources that provides you with similar benefits. You may wish to compare the terms of this policy with your existing life, health and homeowners’ policies. Please contact +1 415 481 0600 if you have any questions. Insurance underwritten by State National Insurance Company Inc., a Texas domiciled corporation (NAIC Company Code: 12831; TX license number 6026) with its principal place of business at 1900 L Don Dodson Drive, Bedford, TX 76021. Not all plans or coverages are available in every state. It is a crime to knowingly provide false, incomplete, or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines, and denial of insurance benefits.

 

Travel Assistance Coverage:
Redpoint Resolutions LLC provides evacuation, travel assistance and non-insurance services. Evacuation, travel assistance and non-insurance services are not insurance and are provided through a membership program. An evacuation, travel assistance and non-insurance service program may be purchased individually without travel insurance. By selecting the “Evacuation only, no travel insurance” coverage option, you will be purchasing a Redpoint Resolutions evacuation, travel assistance and non-insurance service program membership.

 

UnivOps Insurance Services LLC is the licensed insurance agent.