Insureds may qualify for Trip Cancellation, Trip Interruption or Travel Delay. Policy must have been purchased on or before 05/23/2026 for Insolvency or on or before 06/07/2026 for Other Covered Reasons related to events such as Hurricane/Cyclone/Tropical Storm
06/08/26 will be
considered the foreseeability for this event.
As of May 17, 2026, the Ebola outbreak has been named a
foreseeable or known event, which may affect travel insurance coverage
depending upon the carrier and the plan.
Zurich: Choice/Cruise/Trip Cancellation Plans
These plans treat Ebola as a covered sickness. Ebola-related
claims may be covered if they meet the policy terms and the insured is not
traveling against the advice or recommendations made by the United States
Centers for Disease Control and Prevention (CDC), the World Health Organization
(WHO), or the United States Department of State (DOS).
If the destination is not subject to an applicable CDC, WHO,
or DOS restriction and an insured contracts Ebola during the trip, the claim
would generally be evaluated under the policy’s medical, evacuation,
interruption, delay, and quarantine benefits, subject to all terms and
exclusions.
Crum & Forster: Elite Plan
This plan treats Ebola as a covered sickness, as long as the
plan was purchased prior to May 17,2026 when the outbreak became a known event.
Ebola-related claims may be covered according to policy terms, based off the
language of the benefit.
Starr: Priority Plus Plan
This plan treats Ebola as a covered sickness but includes an
exclusion for epidemic declared prior to the scheduled departure date. Ebola is
considered an epidemic as of May 17, 2026. Additionally, all travel coverage
for Sudan and South Sudan are currently restricted under these plans.
Date Spirit Airlines
default was a known event: May 2, 2026 –
Spirit Airlines announced they are shutting down all operations.
How this affects travel
insurance coverage:
- Our
plans may provide covered benefits if the Insured’s Trip is affected by
Spirit Airlines’ closure and bankruptcy/liquidation.
- Coverage
can vary by state. Insured must review their policy for possible benefits
under Trip Cancellation, Trip Interruption, Missed Connection, or Trip
Delay for possible benefits related to airline bankruptcy or
financial insolvency.
- Important: Because
Spirit’s shutdown is now a “known event,” new policies
bought on or after May 2, 2026, will NOT cover losses
from this event.
Please visit https://spiritrestructuring.com for more information about
Spirit’s wind-down process. As a first step, we suggest you review the process
Spirit outlined on their website: “Spirit will automatically process refunds
for any flights purchased through Spirit with a credit or debit card to the
original form of payment. Guests who booked flights via a travel agent should
contact the travel agent directly to request a refund. Compensation for
Guests who booked flights using any other methods, including a voucher, credit
or Free Spirit points, will be determined at a later date through the
bankruptcy process.”
Travel Protection Plans that include travel insurance underwritten by United States Fire Insurance Company may provide benefits that can be triggered by the closure and liquidation of Spirit Airlines. Coverage can vary by State, so you should review your plan document for possible benefits under Trip Cancellation, Trip Interruption, Missed Connection, or Trip Delay as these coverages may provide protection for losses resulting from financial insolvency in certain circumstances. Since this event is no longer unforeseen, policies issued on or after May 2, 2026 will not cover this event.
Please visit https://spiritrestructuring.com for more information about Spirit’s wind-down process. As a first step, we suggest you review the process Spirit outlined on their website: “Spirit will automatically process refunds for any flights purchased through Spirit with a credit or debit card to the original form of payment. Guests who booked flights via a travel agent should contact the travel agent directly to request a refund. Compensation for Guests who booked flights using any other methods, including a voucher, credit or Free Spirit points, will be determined at a later date through the bankruptcy process.”
Insureds may qualify for Trip Cancellation, Trip Interruption or Travel Delay. Policy must have been purchased on or before 04/05/2026 for Insolvency or on or before 04/20/2026 for Other Covered Reasons related to events such as Financial Insolvency of Travel Supplier.
04/21/26 will be
considered the foreseeability for this event.
Insureds may qualify for Trip Cancellation, Trip Interruption or Travel Delay. Policy must have been purchased on or before 03/28/2026 for Insolvency or on or before 04/12/2026 Covered Reasons related to events such as Labor Strike.
04/13/26 will be
considered the foreseeability for this event.
Insureds may qualify for Trip Cancellation, Trip Interruption or Travel Delay. Policy must have been purchased on or before 03/02/2026 for Insolvency or on or before 03/17/2026 Covered Reasons related to events such as Financial Insolvency of Travel Supplier.
03/18/25 will be
considered the foreseeability for this event.
Insureds may qualify for Trip Cancellation, Trip Interruption or Travel Delay. Policy must have been purchased on or before 03/01/2026 for Insolvency or on or before 03/16/2026 Covered Reasons related to events such as Hurricane/Cyclone/Tropical Storm.
03/17/25 will be
considered the foreseeability for this event.
Insureds may qualify for Trip Cancellation, Trip Interruption or Travel Delay. Policy must have been purchased on or before 03/22/2026 for Insolvency or on or before 03/09/2026 Covered Reasons related to events such as Natural Disaster.
03/10/25 will be
considered the foreseeability for this event.
Insureds may
qualify for Trip Cancellation, Trip Interruption or Travel Delay. Policy
must have been purchased on or before 02/12/2026 for Insolvency or on or before
03/30/2026 for Other Covered Reasons related to events such as War.
Coverage
eligibility and benefits will vary by plan and by state. Carefully read
your policy for covered Perils, General Exclusions, and other policy wording
for details about coverage.
02/28/26 will
be considered the foreseeability for this event.
