In cooperation with our experts, we have put together some tips on how to deal with the situation and what to prepare for.
How do insurers deal with the situation if you have travel insurance?
- If you have travelled abroad before the recommendation is published of the Ministry of Foreign Affairs not to travel to the relevant area, insurance companies will cover medical expenses incurred as a result of contracting coronavirus.
- If a quarantine is ordered in the area in question, the insurance company will provide assistance.
- In the event of an enforced extension of stay, insurance companies will extend insurance (some at their expense), but it will be necessary to contact the insurance company to inform and request an extension.
- If you travel after the published advice not to travel to a particular area, you run the risk of not being assisted or covered for medical expenses.
- For most insurers, coronavirus is not a reason for payment of cancellation fees for individual travel insurance policies due to trip cancellation.
Obligations of travel agents:
- The tour operator (travel agent) is obliged to provide assistance to the client in case of difficulties.
- The extent and intensity of the assistance depends on the tour operator's obligations under the contract between the tour operator and the customer.
- In the event of unavoidable and exceptional circumstances , the organiser shall bear the cost of the necessary accommodation for a maximum of three nights per customer.
- The organiser may withdraw from the contract if, inter alia, unavoidable and extraordinary circumstances prevent it from fulfilling its obligations and it has notified the customer of the cancellation without undue delay before the start of the tour.
- In the event of cancellation, the organiser shall reimburse the payments made by the customer without undue delay and no later than 14 days after the end of the contractual obligation.
