Cancellation cover even for COVID-19 disease despite pandemic status
Due to the improved situation, the European travel insurance COVID-19 will no longer be classified as a pandemic and therefore in the cancellation and travel interruption insurance as a reason for exclusion, as long as the situation remains stable and there is no increased incidence (second wave of infection) and thus no more The measures, in particular the travel restrictions, will be tightened.
As long as the situation remains stable, full cancellation insurance and travel interruption protection apply again. Cancellation cases in connection with COVID-19 are also covered, although COVID-19 is still classified as an epidemic or pandemic (WHO, Austrian health authorities, the pandemic exclusion according to the ERV-RVB will not be contested for so long). This also applies to any travel expenses.
Here are some concrete examples to explain the cancellation coverage.
There is cover in the event that you, as an insured customer, cannot start the trip or have to cancel it,
- because you have an elevated temperature, even if a later test result is negative, or you have tested positive for COVID-19 without showing any symptoms.
- because you develop symptoms of COVID-19.
- because a close relative or someone living in the same household falls ill with COVID-19 and your urgent presence is required.
- because a close relative in the common household falls ill with COVID-19 and you therefore have to quarantine.
However, there is no cancellation protection if you cannot or do not want to start the trip because you are a risk patient or you are worried about contagion due to the increasing number of cases at the holiday location - also as a risk patient.
In terms of premiums, there is no further distinction between high-risk and non-high-risk patients, and there are still no age limits.
Cancellation reasons that are causally related to the previous pandemic, such as a job loss are still not covered.
In the event that an increased incidence of infections occurs again (second wave) and the freedom to travel that has finally been regained and new restrictions are imposed, the European travel insurance would have to object to the pandemic exclusion according to the ERV-RVB and there would be no cancellation protection . If the service providers or tour operators cannot provide their services for these reasons, no cancellation costs should be charged anyway.
It is expressly the case that the question of insurance coverage can only be assessed according to the specific point in time at which the claim occurred. It is therefore crucial what the circumstances of the "freedom to travel" and any new waves of illness look like at the time the damage occurs and which official regulations apply.