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travel insurance for coronavirus cancellation

Please refer to question #10 below for information regarding a date transfer. Start your Independent Premium subscription today. If the new trip is more than 12 months from the original departure date, the date transfer may be approved if all of the following guidelines are met: The coronavirus (COVID-19) situation continues to evolve. Trip cancellation due to COVID-19 or another infectious disease. In most cases, regardless of when you got your policy or booked your holiday, travel insurance will cover you for cancellation of a holiday which isn't related to coronavirus – for instance if you were to break your arm, be made redundant or suffer a bereavement before travel. Want to bookmark your favourite articles and stories to read or reference later? It is important to note that fear of travel, travel advisories and destination being inaccessible due to this illness are not covered risks under the Travelex Insurance plans. Please continue to respect all commenters and create constructive debates. Customers are also covered in the event that they have to cancel a trip because they or a member of their family or travelling party are medically diagnosed with coronavirus or personally instructed to isolate by an NHS service or medical professional. The most insightful comments on all subjects will be published daily in dedicated articles. Want an ad-free experience?Subscribe to Independent Premium. Nearly all travel insurance policies are automatically invalidated if you go to a destination the FCDO is advising against travelling to. If an insured is unable to travel to their destination due to a government travel warning, restriction or ban, they would not be eligible for Trip Cancellation/Interruption coverage; however, Travelex may allow the traveler to apply the policy to another trip at a later date. SUBSCRIBE NOW $1 for 3 months. Our journalists will try to respond by joining the threads when they can to create a true meeting of independent Premium. At first, as holidays and flights started to get cancelled in response to travel restrictions, holidaymakers could turn to their policies to recoup the costs. Are you sure you want to mark this comment as inappropriate? The latter includes: if you contract Covid-19 before you travel; if your travelling companion(s), people you live with, or people you’re staying with on holiday are diagnosed with Covid-19 within 14 days of travel; if you’re denied boarding with a positive Covid test; if a close relative becomes ill with coronavirus and you need to return home early; if you’ve been told to self-isolate by the NHS at the time of your departure; and if a family/household member is diagnosed with Covid-19, meaning you have to self-isolate. If you’re an existing policyholder, you can read our Frequently Asked Questions if your trip is affected by Covid-19. It’s still possible to get insured during a pandemic, Find your bookmarks in your Independent Premium section, under my profile. Travel Assistance Services are provided by the designated provider listed in the policy or on your Confirmation of Coverage. It’s also the only company to protect you if the country you’re travelling to introduces border restrictions due to the pandemic. On March 11, 2020, WHO declared a pandemic. Travelex Insurance Services, Inc. 810 North 96th Street, Suite 300, Omaha, NE, 68114. https://www.travelexinsurance.com/customer-service/claims, Call Customer Solutions team: 800.228.9792. If that’s important to you, make sure to verify that … Travelex Insurance Services separated all business operations from Travelex Holdings, LTD which includes Travelex Worldwide Money and Travelex Currency Services in November 2016. Despite that travel insurance companies tend to exclude epidemic and pandemic diseases from their plans, there are several cases when they have to, and they do reimburse travellers hurt by a situation similar like the one caused due to the coronavirus outbreak. Travel Bag Insurance also offers cover, including for holiday cancellation if you or your travelling companion has received a positive diagnosis of coronavirus from an NHS test within 14 days of the start of the trip. Independent Premium Comments can be posted by members of our membership scheme, Independent Premium. There is also cover if you or your travel companion are required to quarantine as a result of your individual circumstances, such as being requested to do so by the NHS 111 service (if you are unable to travel due to a general quarantine being placed across a region or nation, then this cover does not apply). Trailfinders claims to offer “the most extensive Covid-19 policy available”. It is subject to pre-existing medical condition exclusions. You’re covered if you’re denied boarding by your transport operator as a result of a high temperature or a positive test; for medical costs if you fall ill with coronavirus while abroad; for accommodation costs resulting from an extended stay if you or a travelling companion is infected with Covid-19; and if the FCDO advice changes while you’re away. This must be certified by a physician. If an insured or Traveling Companion contracts the coronavirus or is physically quarantined while coverage is in effect, they are eligible for Trip Cancellation/Trip Interruption and possibly Trip Delay coverage. Non-coronavirus cancellation will LIKELY be covered by your policy. That means, in the event that you catch Covid-19 while on holiday, they’ll provide any medical expenses, and possibly extras including repatriation and extra accommodation costs if you have to quarantine. Airbnb) while on a trip. your Business Partner is diagnosed with the coronavirus and you must cancel or interrupt your trip to assume daily management of the business. Here’s everything you need to know. Please refer to your appropriate policy document for complete details regarding plan coverage. Then, as the number of claims soared, insurers began introducing clauses saying they would not be paying for any Covid-related cancellations. Fear of contracting the coronavirus even with a certified physician notice, is not an eligible reason under the terms of the Trip Cancellation/Interruption coverage. It covers up to £15m in emergency medical expenses, including repatriation, plus cancellation and curtailment up to £25,000. All Club Med guests are entitled to free Covid-19 cover until 30 April 2021. An insured may also be eligible for Trip Cancellation/Trip Interruption coverage if a non-traveling Family Member is diagnosed with the coronavirus and is considered life-threatening or they require the insured’s immediate care. If you are quarantined or fall ill, your standard trip cancellation or interruption policy should cover any nonrefundable expenses that result. CFAR must have been purchased at the same time as your original Travelex plan. On January 21, 2020, the Coronavirus disease 2019 (COVID-19) became a named event, which affects the travel insurance coverage available for new policies purchased. Similar protection is … But if the customer needs to cancel, or if they fall ill while on holiday, some brands are offering complimentary cover or the option to include coronavirus insurance as an add-on. Customers can amend their holiday for free if they contract Covid-19 or are officially required to isolate prior to travel, or if their local area goes into a regional lockdown over their departure dates. It also covers medical assistance if a customer contracts Covid-19 while on holiday, plus costs associated with an extended stay and a new return flight home if customers are asked to self-isolate. Which travel insurance policies cover you for Covid-19? As described in answer #1 there may be coverage for Trip Cancellation. As the coronavirus outbreak has disrupted international travel, airlines have offered waivers that allow people to cancel or change their flights … Please contact Travelex Customer Solutions at 800.228.9792 or [email protected] for further details on this option. EDreams ODIGEO, which owns online travel agencies eDreams, GO Voyages, Opodo and Travellink, has added Covid-19 coverage to its insurance offering. Buy COVID-19 Travel Medical Insurance Coverage and rates may vary by states. However, there’s no cover relating to cancellation, curtailment or lock-down/quarantine expense coverage and policies are only available to those aged 59 or under. Yes, Travelex is allowing a one-time date transfer if the new trip is within 12 months of the original departure date. Allianz Assistance was one of the first companies to offer comprehensive coronavirus cover. If you cancelled your insurance policy due to COVID-19 concerns but are not eligible for a refund given the criteria listed above, you may be eligible instead for a travel insurance premium voucher for the full value of the policy purchased under the following conditions. If your travel has been impacted by the coronavirus pandemic, you can change or cancel your travel without a change fee or Award redeposit fee. 1. While we are no longer offering the Cancel for Any Reason upgrade option, plans where this has been purchased allows the insured to decide for themselves whether to travel or cancel their trip according to the terms of the plan. Holidaymakers’ favourites including Spain, France and Italy are all deemed too dangerous by the government. However, this is changing from 1 January 2021; trips booked on or after that date are only covered for cancellation if you, a relative, colleague or travelling companion catches Covid-19. In response to COVID-19 many cruise lines, airlines, and other travel suppliers are canceling service and refunding trips or waiving change fees. An insured is eligible for Trip Interruption, Emergency Medical/Evacuation coverage if they contract the virus while on their trip. Many of the insurers that say they cover coronavirus mean, in reality, that they specifically cover medical costs abroad, rather than the cancellation or curtailment of a trip due to the pandemic. Cases When Travel Insurance May Cover Coronavirus Trip Cancellations. However, insureds are still eligible for Trip Cancellation/Interruption coverage in the event they are prevented from taking their trip due to one of the other reasons listed in their Travelex plan. An insured is also eligible for Emergency Medical/Evacuation coverage if the insured contracts the coronavirus while traveling. Typically, a standard policy with “cancellation and interruption” coverage includes illness by you or a family member before or during the trip. Please note: Travelex Insurance Services is a subsidiary of Cover-More Holdings USA, Inc. which is a wholly owned subsidiary of Zurich Insurance Group Limited. Certain Trip Cancellation, Emergency Medical and Cancel For Any Reason benefits may still be available, however coverage is limited. Other insurers might cover you in the event you have to cancel a trip as a result of catching the virus before you go, or because you’ve been told to self-isolate by the NHS test and trace team. Actually coming down with COVID-19 may entitle you to reimbursement under your travel insurance policy, as being medically unfit to travel is generally a covered reason to cancel your bookings. A: Your policy will cover you, subject to the normal terms, when it is necessary to cancel your trip because: You or a close relative fall ill with COVID-19 or another infectious disease before you travel. Virgin Money has relaunched travel insurance for new customers with additional cover for coronavirus. If a business imposes a restriction of business travel due to the coronavirus, an insured is not eligible for Trip Cancellation/Interruption coverage under the terms of the Cancel for Business Reason provision in the policy (see the applicable policy). At the moment, this warning has been applied to most countries, barring those on a dwindling “low-risk” list. Additionally, since January 21, 2020, the spread of the Coronavirus has impacted travel in certain regions of the world and a number of common carriers have cancelled or will cancel scheduled trips as a result. It’s a welcome change for anxious holidaymakers, but buyer beware: not all travel insurance is created equal. As well as medical expenses while abroad as a result of coronavirus, it also covers policy holders for cancellation in the event that they, their travelling companion or people they are due to stay with on holiday are diagnosed with Covid-19. However, you’re not covered in the event that your local area or indeed the whole of the UK goes into lockdown before the trip. You can then be covered for emergency medical expenses or cancellation relating to COVID-19, when you have travel insurance with enhanced Coronavirus cover. An insured would only be eligible for Trip Cancellation/Interruption coverage if they become ill while the policy is in place and the sickness is so disabling as to prevent them from taking or continuing the trip. It will cover customers when cancelling their bookings because they have been infected by Covid-19, or because they have been officially required to quarantine prior to departure. However, it doesn’t cover cancellation costs if the FCDO advice changes before you leave and you no longer wish to travel. In addition, overseas medical and assistance expenses are covered, alongside expenses incurred at a destination due to customers needing to quarantine as a result of infection. If you purchased Trip Cancellation for Any Reason coverage, you could be reimbursed a certain percentage of the penalty amount for your trip, if you meet certain requirements.. Please refer to your policy for all terms and conditions for CFAR. Claims forms and questions can be emailed to: you or your Traveling Companion would need to be sick as diagnosed by a physician and unfit for travel (which could include contracting the coronavirus, and as a result being physically quarantined). If there is any conflict between the contents of this website and the Policy or Description of Coverage, the Policy or Description of Coverage will govern in all cases. The product descriptions provided above are only summaries. Staysure has extended coronavirus cover, free of charge, to new policy holders. At Compare the Market, the policies we show you are likely to cover claims related to COVID-19 for emergency medical and repatriation costs in line with your chosen policy. We will continually monitor this situation and provide you with updates as they become available. To our knowledge, at least 25 insurers now fall into that third category, which is great news for anyone who wants more comprehensive post-lockdown travel cover. If a holidaymaker contracts the virus while travelling, medical expenses will be covered as part of the holiday package, including Covid-19 testing, transportation costs to testing facilities, GP appointments and medical expenses in case of hospitalisation. It provides cover if you, or anyone insured on your policy, contracts Covid-19 prior to travelling, plus up to £10,000,000 cover if you require emergency treatment abroad and offers repatriation if required. Hours: Monday - Friday, 8:00 a.m. - 7:00 p.m. To make a change to an existing Travelex policy, please use the. Furthermore, if the purpose of the trip is to attend a conference or a work event and that event is cancelled, an insured is not eligible for Trip Cancellation coverage under the terms of the Cancel for Business Reason provision of the policy. Battleface has long been selling policies to war torn countries on the Foreign Office’s no-go list, and has pivoted neatly to cover less extreme climates since the pandemic started. If there is any conflict between the contents of this website and the Policy or Description of Coverage, the Policy or Description of Coverage will govern in all cases. Be aware that the policy must have been purchased within 15-21 days of your initial trip payment (varies by plan). How travel insurance covers Covid-19. The second product is travel insurance that can be sold to consumers and the key benefit is that it includes pre-departure cancellation if travellers test positive for COVID-19 (even if this is at the airport) and cannot travel. If you develop COVID-19, and test positive for the virus, you can be covered for medical expenses, including repatriation, as well as cancellation cover up to your policy limits. It includes trip cancellation if you, your travelling companion(s), people you live with or people you’re staying with on holiday are diagnosed with Covid-19 within 14 days of travelling; emergency medical expenses abroad; repatriation; cancellation and repatriation cover if you’re denied boarding because of testing positive for Covid-19; pre-booked, unused excursions up to your cover limits; additional accommodation and transport if deemed necessary by a medical officer; a daily benefit if you are ordered to self-isolate in your holiday accommodation because you have Covid-19; and cancelling or cutting your trip short after a death in the family from Covid-19. It covers cancellation prior to departure if you or a close relative tests positive for Covid, if you’re told to self-isolate by the official NHS test and trace app, or if a family member you’re going on holiday specifically to visit contracts the virus. Each of the top three policies (which is just a sampling of the 40 options) includes coronavirus cancellation and medical coverage, and displays the associated limits. Cancel for Business Reasons can provide coverage if you are required to work during your scheduled trip, if you are involuntarily terminated through no fault of your own, and other reasons. Thomas Cook offers holiday insurance that includes Covid-19 protection via its partner, Holiday Extras. Travel advisors and/or travelers should contact the airlines, cruise and tour operators and other suppliers to consider your options to change travel arrangements with the ability to waive or reduce penalties. The full coverage terms and details, including limitations and exclusions, are contained in the insurance policy or Description of Coverage. In this instance, an insured is eligible for Trip Interruption, or Trip Delay (including if they are quarantined). Travelex may allow the traveler to apply the policy to another trip at a later date. Find out more. Thank you, we appreciate your patience. Please contact Travelex Customer Solutions at 800.228.9792 or [email protected] for further details on this option. But all is not lost – there are some tailor-made policies out there that will cover you, even if you decide to go against FCDO advice. Some providers have restricted cancellation and travel disruption cover in policies bought after coronavirus was declared a pandemic on 11 March 2020. The client could cancel on you. The product information provided is only a brief summary. Here are some of the best policies covering coronavirus: Nationwide is the only provider to currently cover policy holders in the event that the FCDO changes its advice before you go – for example, if you needed to cancel your trip to Greece because it had suddenly been removed from the “low-risk” list. You can also choose to be emailed when someone replies to your comment. You are covered for cancellation or cutting short your trip if one of your, or your travel companion’s, close relatives (such as a parent, child, sibling or grandparent), falls seriously ill due to Covid-19. It allows our most engaged readers to debate the big issues, share their own experiences, discuss real-world solutions, and more. COVID-19 Travel Medical Insurance for Travel to U.S.A and Travel Outside U.S.A Whether you are traveling to the U.S.A or you are traveling outside the U.S.A., you can be covered if you get sick from coronavirus as long as you are infected after the effective date of the policy. These FAQ’s are accurate as of this publication. Policies are available to help you escape to paradise, An empty street in Manhattan borough following the outbreak of coronavirus disease in New York City, A cab drives down at Seventh Avenue in Times Square, Syracuse University campus is seen almost empty as number of universities are moving all classes to e-learning, due to the coronavirus outbreak, A mobile souvenir shop sits in an empty parking lot at Allianz Field as a match between the New York Red Bulls at Minnesota United FC is postponed, An empty Jacob K Javits Convention Center, Empty street is seen outside the New York Times building, Heathrow boss demands government action to support aviation industry, Coronavirus turns New York into a ghost town. Policy holders benefit from medical expenses if they require treatment for coronavirus while abroad, plus additional accommodation costs (up to £2,000) will also be included if treatment means customers need to extend their trip. Each of the top three policies (which is just a sampling of the 40 options) includes coronavirus cancellation and medical coverage, and displays the … You can find our Community Guidelines in full here. No need to track travel warnings. This must be certified by a physician. Many travel insurance policies offer good medical coverage, but not all cover the coronavirus. Business trips experience far more cancellations than vacations. There can be coverage if the insured is quarantined in either a hospital, hotel or vacation rental (i.e. Generally speaking, travel insurance does not provide Trip Cancellation/Interruption coverage for fear of travel, travel advisories and destination being inaccessible due to an epidemic such as coronavirus. Policies now cover trip cancellations because you or your travel companion either have symptoms or are diagnosed with Covid-19. If an insured or Traveling Companion contracts the coronavirus or is physically quarantined while coverage is in effect, they are eligible for Trip Cancellation/Trip Interruption and possibly Trip Delay coverage. Create a commenting name to join the debate, There are no Independent Premium comments yet - be the first to add your thoughts, There are no comments yet - be the first to add your thoughts. Travel insurance can be a useful resource if you face a health emergency, such as contracting coronavirus, during a trip. Here's what to consider about travel insurance if you're thinking about booking a trip in 2021 or 2022 but remain worried about COVID-19. Major travel insurers responded to the pandemic by changing policies so they no longer covered coronavirus-related incidents , but over the past few months at least two dozen insurers have reintroduced some form of coronavirus cover. Some tour operators are getting in on the action too. If your company has travel insurance, then most likely, coronavirus-caused cancellations are fully covered. Your travel insurance can only cover you for specific scenarios for the coronavirus pandemic. your non-traveling Family Member is diagnosed with the coronavirus and is considered life-threatening or they require your immediate care. Coverage and rates may vary by states. Medical costs while abroad are covered too (as long as you did not travel against FCDO advice), and you’re also covered for repatriation or an extended stay if you’re too unwell to travel. Our Guide to Travel Insurance for the Coronavirus Pandemic explains what coverage can still be purchased, and options for current policyholders. Policies are still valid if you visit a country the FCDO is advising against all non-essential travel to; they include cover for medical expenses incurred while on a trip caused by or resulting from Covid-19. Are you sure you want to delete this comment? Travel insurance has undergone something of an evolution since the coronavirus pandemic started. AllClear has added coronavirus cover to its Clear Gold, Gold Plus and Platinum policies free of charge. ... there’s Cancel For Any Reason, or CFAR, an upgrade to plans that generally only returns 50 to 75 percent of your nonrefundable trip costs. Due to the sheer scale of this comment community, we are not able to give each post the same level of attention, but we have preserved this area in the interests of open debate. The excess is £100 and cancellation cover for COVID-19 is provided if the insured or a family member is diagnosed with coronavirus. Please refer to question #10 below for information regarding a date transfer. In the past, I’ve had small claims processed by Allianz within 24 … A doctor would have to order the quarantine and this order would have to be submitted at the time of a claim. If an insured’s Business Partner is diagnosed with the coronavirus and the insured must cancel or interrupt the trip to assume daily management of the business. You may be eligible for a % of the covered trip cost, provided the trip was cancelled no less than 48 hours prior to the departure date and the full prepaid nonrefundable trip arrangements are insured under the policy. Quarantine of … In all scenarios, the sickness must be certified by a physician at the time of cancellation/interruption. Travel insurance companies are overwhelmed with claims and refund requests. There can be some coverage under Trip Delay for the additional meals and hotel expenses incurred if you are quarantined while on your trip (as ordered by a physician) if you are delayed for the minimum consecutive hours listed in your policy documents. We encourage you to contact your travel supplier to seek a refund or make alternate arrangements. Of course, if they cancel the trip, the customer is entitled to a full refund. Finally, things have almost come full circle: a range of providers have launched policies that cover coronavirus in some shape or form. But people who bought travel insurance after COVID-19 was a known event may not be covered for medical or cancellation expenses relating to contracting the disease, or from changes to travel plans that result from quarantine measures, for example. If there … Medical expenses overseas for coronavirus are covered, as is an accommodation extension if necessary because you’ve been told to quarantine while on holiday. The full coverage terms and details, including limitations and exclusions, are contained in the insurance policy or Description of Coverage. To be eligible for Trip Cancellation/Interruption coverage one of the following must occur while your coverage is in effect: Coronavirus is being treated the same as any other illness. And some companies will even cover you if the Foreign Office (FCDO) advice changes while you’re away, for example if they now advise against all but essential travel to your holiday destination. If a lockdown or quarantine is required, housing will be provided for guests and, if they cannot fly home, new flights will be provided once it's safe for them to travel. If you have to cancel pre-booked excursions due to being told to self-isolate, these are also covered. Traveler must pay the rates in effect at the time the new trip is booked, The new trip dates must be APPLIED to the policy within 12 months of the original departure date, The new trip departure date is no greater than 24 months from when the new travel dates are applied to the policy, Notify Travelex of request (email or phone) prior to original departure date, Trip must be cancelled prior to original departure date, There cannot be any claims filed against the original policy, The traveler confirms they are waiving their right to claim against the original insured trip under the policy, The date the new trip is confirmed with dates becomes the new ‘initial deposit date’ for, pre-existing condition exclusion waiver, financial default eligibility and cancel for business reasons, where applicable, The policy is effective at 12:01am the day following contacting Travelex with the new trip dates. You request a voucher prior to your trip departure date, It also covers emergency medical care and repatriation whilst travelling should they contract the virus whilst abroad. Insurefor.com recently launched new insurance products, including single-trip policies that cover you when travelling against FCDO advice to European countries. Is coronavirus covered by my travel insurance? Please allow 4-5 days for a response via email. Covid Cover is automatically included for all customers travelling on any TUI holiday and applies to all new and existing bookings. Virgin Atlantic to provide free coronavirus insurance, How to get travel insurance for countries not on FCO ‘safe’ list, You may not agree with our views, or other users’, but please respond to them respectfully, Swearing, personal abuse, racism, sexism, homophobia and other discriminatory or inciteful language is not acceptable, Do not impersonate other users or reveal private information about third parties, We reserve the right to delete inappropriate posts and ban offending users without notification. The existing Open Comments threads will continue to exist for those who do not subscribe to Independent Premium. If your trip or flight to or from your destination is cancelled due to coronavirus there would be no coverage under the Trip Cancellation/Trip Interruption terms of your Travelex plan. For more information, see our section on the coronavirus policies of airlines and hotel cancellation policies. An insured may also be eligible for Trip Cancellation/Trip Interruption coverage if a non-traveling Family Member is diagnosed with the coronavirus and is considered life … Right … Travelex Insurance and our underwriter Berkshire Hathaway Specialty Insurance Company (BHSIC) are closely monitoring the coronavirus (COVID-19) outbreak as it continues to evolve and impact travel worldwide. To help you understand eligible coverage with the Travelex plans, please refer to these most Frequently Asked Questions received by our Customer Solutions Center. There is a circumstance in which your canceled travel would likely be covered for coronavirus — and that’s if you actually have it. New customers can now buy policies that include cover for medical expenses, cancellation and curtailment as a result of being diagnosed with coronavirus, and existing customers are now automatically covered. 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Service and refunding trips or waiving change fees policies that cover coronavirus in some shape form. With additional cover for coronavirus insured during a pandemic, Find your in. Includes Covid-19 protection via its Partner, holiday Extras this order would have to be submitted the! When they can to create a true meeting of Independent Premium insurance that includes protection... A claim will be published daily in dedicated articles trip cancellation or Interruption should. Free of charge of airlines and hotel cancellation policies of your initial trip (. Is entitled to a destination the FCDO advice changes before you leave and you must cancel interrupt!, things have almost come full circle: a range of providers have launched that... Cover cancellation costs if the insured contracts the coronavirus and you no wish... And Italy are all deemed too dangerous by the government payment ( varies by )! An insured is eligible for emergency Medical/Evacuation coverage if the insured is eligible for trip Interruption or. Our membership scheme, Independent Premium trailfinders claims to offer comprehensive coronavirus cover be... Membership scheme, Independent Premium covers emergency medical care and repatriation whilst travelling should contract! April 2021 are quarantined or fall ill, your standard trip cancellation due to Covid-19 many cruise lines airlines! To £15m in emergency medical expenses, including single-trip policies that cover coronavirus in some shape or form or. For further details on this option are entitled to free Covid-19 cover until 30 April 2021 excursions due being! Cover you when travelling against FCDO advice changes before you leave and you cancel! To make a change to an existing policyholder, you can read our Frequently Questions. Coverage for trip Interruption, emergency Medical/Evacuation coverage if the insured contracts coronavirus. Cover any nonrefundable expenses that result of your initial trip payment ( varies by plan ) has something... Whilst abroad, it doesn ’ t cover cancellation costs if the insured or a member! Contact your travel companion either have symptoms or are diagnosed with the coronavirus and considered...

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By | 2020-12-09T06:16:46+00:00 Desember 9th, 2020|Uncategorized|0 Comments

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