Illness or Death of Host Coverage
3 October 2011
This coverage reimburses up to 100% of your pre-paid, nonrefundable travel costs when your destination host is hospitalized or dies. This is a listed covered reason under trip cancellation coverage and trip interruption coverage.
| Contents (click to jump down) What does Sickness, Injury or Death of Host cover? Important notes about this coverage What type of policy covers this? How much coverage does each company provide? Summary |
Let us tell you a story
Monika had long planned to travel to see her aunt in Italy. When she purchased her airline tickets, she bought travel insurance with trip cancellation coverage, and she was glad she did. Just a week before she was due to fly, a neighbor called to inform her that her aunt was in the hospital and very ill with the flu. She would not be able to host Monika and it was recommended she stay away in order not to become ill herself.
Monika obtained a copy of her aunt’s medical report and sent that with her trip cancellation claim. She was able to recover all her pre-paid trip costs, which she saved so that she could reschedule her trip as soon as her aunt was better.
What does Sickness, Injury or Death of Host cover?
As part of the covered reasons for pre-trip cancellation, this coverage lets you cancel your trip and get your pre-paid nonrefundable trip costs back if your destination host becomes ill, is seriously injured or hospitalized, or dies prior to starting your trip.
Important notes about this coverage
- The definition of host in some plans is sometimes limited to friends or family.
- The illness or death must be verifiable with documentation.
What type of policy covers this?
This is a covered reason for trip cancellations, and as such, it is found in travel insurance package plans with trip cancellation coverage.
How much coverage does each company provide?
| Plan | Company | Destination host |
|---|---|---|
| None | Allianz | |
| Custom | CSA | Yes |
| Custom Luxe | CSA | Yes |
| None | FrontierMEDEX | |
| None | Global Alert | |
| None | HTH Worldwide | |
| None | IMG | |
| None | MH Ross | |
| RoundTrip | Seven Corners | Yes |
| RoundTrip Choice | Seven Corners | Yes |
| Platinum | Travel Guard | Yes |
| Gold | Travel Guard | Yes |
| Tee, Tour and Travel | Travel Guard | Yes |
| Sportsman's Travel | Travel Guard | Yes |
| Adventure Travel | Travel Guard | Yes |
| None | Travel Insurance Services | |
| Worldwide Trip Protector Gold | Travel Insured | Yes |
| Worldwide Trip Protector | Travel Insured | Yes |
| Trip Protector Lite Expanded | Travel Insured | Yes |
| Trip Protector Lite | Travel Insured | Yes |
| Airline Ticket Protector | Travel Insured | Yes |
| Basic | Travelex | Yes |
| Travel Select | Travelex | Yes |
| Travel Max | Travelex | Yes |
| TraveLite | Travelex | Yes |
| Travel Plus | Travelex | Yes |
| Vacation Classic | TravelSafe | Yes |
| Protect-a-Group | TravelSafe | Yes |
Summary
- Not all travel insurance package plans with trip cancellation include this as a covered reason to cancel, so check your plan details
- This coverage is sometimes limited when you’re visiting a friend or family member
- Proof of the illness, injury, or death will be required when you make a claim
DamianTysdal
Damian Tysdal is the founder of CoverTrip, and is a licensed agent for travel insurance (MA 1883287). He believes travel insurance should be easier to understand, and started the first travel insurance blog in 2006.
Damian Tysdal is the founder of CoverTrip, and is a licensed agent for travel insurance (MA 1883287). He believes travel insurance should be easier to understand, and started the first travel insurance blog in 2006.