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?

PlanCompanyDestination host
NoneAllianz
CustomCSAYes
Custom LuxeCSAYes
NoneFrontierMEDEX
NoneGlobal Alert
NoneHTH Worldwide
NoneIMG
NoneMH Ross
RoundTripSeven CornersYes
RoundTrip ChoiceSeven CornersYes
PlatinumTravel GuardYes
GoldTravel GuardYes
Tee, Tour and TravelTravel GuardYes
Sportsman's TravelTravel GuardYes
Adventure TravelTravel GuardYes
NoneTravel Insurance Services
Worldwide Trip Protector GoldTravel InsuredYes
Worldwide Trip ProtectorTravel InsuredYes
Trip Protector Lite ExpandedTravel InsuredYes
Trip Protector LiteTravel InsuredYes
Airline Ticket ProtectorTravel InsuredYes
BasicTravelexYes
Travel SelectTravelexYes
Travel MaxTravelexYes
TraveLiteTravelexYes
Travel PlusTravelexYes
Vacation ClassicTravelSafeYes
Protect-a-GroupTravelSafeYes

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
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Damian Tysdal
Author
DamianTysdal

Damian Tysdal is the founder of CoverTrip, and he believes travel insurance should be easier to understand. He started the first travel insurance blog in 2006.

Damian Tysdal is the founder of CoverTrip, and he believes travel insurance should be easier to understand. He started the first travel insurance blog in 2006.