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The Payment Card Industry Data Security Standard (PCI DSS)—which was developed by the PCI Security Standards Council (PCI SSC) created by Visa, MasterCard, American Express, Discover, and JCB—is an extensive set of technical and operational standards that a company needs to follow to ensure that all companies that process, store, or transmit credit card information maintain a secure environment.
There are many stringent requirements, including but not limited to:
PCI DSS has six major objectives, 12 key requirements, 78 base requirements, and over 400 test procedures. Click here for more information.
When a business is PCI-compliant, it means that that the business reviews and follows the guidelines set forth by the credit card companies to help ensure your credit card information is protected and your personal information is secure.
Last Updated: Tuesday, April 11, 2023
The U.S. Centers for Disease Control and Prevention (CDC) confirmed the first U.S. case of Coronavirus Disease 2019 (COVID-19) on Jan 21, 2020. Even now, over three years later, COVID-19 continues to complicate international travel. And while most nations around the world have relaxed or ended their insurance and vaccination requirements, they can and do still change regularly, as new variants and outbreaks continue to persist.
Regular travel insurance (trip cancellation insurance) provides coverage for trip cancellation and trip interruption for a defined set of reasons. As the coronavirus outbreak has been a known and foreseen event for years now, you cannot expect regular travel insurance to cover the cancellation of a trip solely because you are now uneasy about traveling to an area due to COVID-19.
The best option would be to purchase Cancel for Any Reason (CFAR) travel insurance. However, you must purchase it within 10 to 21 days of the initial trip deposit (duration varies based on insurance plan) and you must insure 100% of your trip cost. Such travel insurance is an additional feature with most plans, and can be purchased for an additional cost.
Both regular travel insurance and Cancel for Any Reason travel insurance may provide the coverage for the following:
Fear of traveling is a not a covered reason for trip cancellation coverage in regular travel insurance. Once again, the coronavirus outbreak has been a known and foreseen event for many years at this point, and is now considered by some countries to be an endemic disease, no different from influenza.
If you have an upcoming trip and are concerned about the coronavirus outbreak worsening in your destination, please purchase Cancel for Any Reason travel insurance. Please read the terms of the policy first.
In most regular travel insurance plans, a government warning is not a covered reason for trip cancellation coverage.
Please purchase Cancel for Any Reason travel insurance. Please read the terms of the policy first.
You will get trip cancellation coverage only if the COVID insurance coverage specifically lists "Quarantine" as a covered reason.
It would be the best to purchase Cancel for Any Reason travel insurance. Please read the terms of the policy first.
Coronavirus sickness can be covered just like any other new sickness that occurs while on the trip with international travel insurance that covers COVID-19.
In most travel insurance policies, delays at the security checkpoints, including additional screenings, are not considered as a valid reason for trip delay or missed connection.
COVID-19 has been a worldwide concern for nearly three years now. Therefore, regular travel insurance will not cover trip cancellation in such situations.
Please purchase Cancel for Any Reason travel insurance. Please read the terms of the policy first.
Travel insurance companies rarely arrange evacuation off a cruise ship, as that is done by the U.S. Coast Guard or similar government entities. Travel insurance will typically cover evacuation to the nearest medical facility where adequate care can be given, after you have already been first hospitalized at a location that cannot provide adequate care. In other words, it is mostly hospital-to-hospital transportation.
Regular travel insurance will not provide coverage under such cases.
Please purchase Cancel for Any Reason travel insurance. Please read the terms of the policy first.
If the cruise line does a screening and you are denied boarding because you are sick, you may be covered for your unused trip expenses and the additional transportation expenses that you might incur to return home. When submitting a claim, you must submit the doctor's report that shows that you can’t travel due to your sickness.
However, if you are not allowed to board because you have not complied with the cruise line's coronavirus testing or vaccination requirements without a medical exemption, you will not be covered by regular travel insurance. These policies are at the discretion of the cruise line, or the country the ship is sailing from and/or to.
Please purchase Cancel for Any Reason travel insurance. Please read the terms of the policy first.
If you are in need of travel insurance that covers quarantine, there are certain travel insurance plans with quarantine coverage that are available.
You can also purchase Cancel for Any Reason travel insurance. Please read the terms of the policy first.
No. Trip cancellation coverage is not applicable if you need to cancel your trip due to loss of enjoyment such as tourist places being closed, rides not being available, not the best weather, or other similar reasons.
In any case, it would be too late to purchase regular travel insurance now.
If you recently booked your trip, please purchase Cancel for Any Reason travel insurance. Please read the terms of the policy first.
You can get a refund only if you are within the 10 to 15-day free look period, depending upon the specific plan.
Sickness is one of the usual reasons to get trip cancellation coverage in travel insurance and could be covered. Please read the terms of the policy first.
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