The Oregon Division of Financial Regulation has issued a grace period order for insurance companies. This page provides frequently asked questions about the emergency order that was originally issued on March 25, 2020.
Specific grace period orders have been issued for health, property and casualty, long-term care, and life and disability insurance. For information about the orders for those specific policies, use the site navigation (above on mobile devices, left side on laptops and desktops) to review specific topics.
Information on the COVID-19 webpages changes frequently and is updated regularly. Check back often for the most up-to-date information.
If you have questions about your insurance coverage, contact your provider.
If you have questions or need to
file a complaint on an insurance company or agent, contact the division’s advocacy team at 888-877-4894 (toll-free) or email
Grace period order for insurance deadlines
What is the grace period order for insurance deadlines and how does it apply now that orders have been issued for specific types of insurance?
The first emergency order for insurance companies was issued on March 25,
2020. It applies to all insurance policies issued in Oregon that are not considered
health, property and casualty, long-term care, and life and disability insurance.
The orders issued for those policy types supersede the original emergency order.
The original emergency order remains in effect to provide protection for
consumers and guidance for insurance companies.
It requires insurance companies to:
- Institute a grace period for premium payments on all insurance policies
issued in the state
- Suspend all cancellations and nonrenewals for active insurance policies
- Extend all deadlines for consumers to report claims and communicate about
- Provide consumers the ability to make premium payments and report claims
while maintaining safe physical distancing standards
Will travel insurance cover trip cancellations due to coronavirus?
Travel insurance typically provides limited insurance for medical treatment
and trip cancellation.
Threat of illness is not typically covered; however, the policy may cover trip cancellation if the airline or civil authority cancels the trip.
It is important to check with your travel insurance provider to see what your