Lemonshark100
Registered
Dive Assure does cover health related things such as pandemics and epidemics as well as mandatory quarantined and travel warnings. However, you need to purchase 30 days in advance before coverage kicks in for that and also before it is a named issue in that country or region with travel warnings and such.
Did you speak with someone at Dive Assure that said their travel insurance policy specifically covers pandemics/epidemics? I was just reading their policy and nothing is specifically stated about "pandemics". It seems to me that if no quarantine is imposed at home or destination, then one wouldn't be covered. Also, 9.2.3.2 seems vague, and it certainly could be argued that a "health situation" has already developed in the SE Asia "region" at this point, so purchasing a policy now might be useless and result in zero refund, even if one's destination is Indonesia, for example, where they claim zero cases of COVID-19.
Under Dive Assure Travel Insurance Cancellation/Curtailment section:
9.2.3.1. Policy must have been purchased at least 30 days prior to travel warning being issued or quarantine imposed. 9.2.3.2. Policy must have been purchased before health situation developed in the region or country of the booked journey that might give concern as to the safety and wellbeing of visitors.
9.2.3.3. Warnings must be specific in nature to the geographic proximity of the booked journey.
9.2.3.4. You must make a claim for refund from all service providers before you make a claim under this policy.
9.2.3.5. If you are offered by any service provider a credit to cover the cost of your cancelled trip or service at a future date, that credit will be deemed as if received and will not be covered.
9.2.3.6. The Insurer has the final authority to review the circumstances and render a decision on coverage which will be deemed as final.