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Other types of insurance

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

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 claims
  • Provide consumers the ability to make premium payments and report claims while maintaining safe physical distancing standards

The original order remains in effect for nontraditional insurance policies. Examples include accidental death and dismemberment, title, and travel insurance.

Yes. However, the cancellation may not be retroactive to a date within or before the expiration of the grace period.

Yes. The division expects insurers to provide comparable flexibility for third parties when submitting claims or other communications on behalf of policyholders.

No. The order requires insurance companies to take all practicable steps to make reporting and communication methods available that are compatible with physical distancing recommendations.

However, the orders do not require insurance companies to adopt all possible methods for all forms of reporting and communication. For example, the orders do not require insurers to accept claims submitted solely by telephone call, without supporting documentation that may be necessary to confirm the claims.​​

The order is in effect through Sept. 20, 2020, but may be extended in 30-day increments as needed to address the COVID-19 outbreak. The order allows for a one-time grace period to pay a past-due premium.​

Travel insurance

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 policy covers.

Original DCBS Emergency Order from March 25, 2020
Extension of DCBS Emergency Order (8/21/2020)

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