Please select the provider below to view their updated travel insurance information.

Dear Travel Partners,

News has spread about the Novel Coronavirus, also known as the 2019-nCoV or the Wuhan Coronavirus. Originating in China, the CDC has recently announced a confirmed case in the United States. Below are some potential questions and answers intended to provide guidance on how an AIG Travel Insurance product may respond to this situation.

FAQS

1. I have travel booked to Wuhan, China, or to another location with confirmed cases of novel Coronavirus. I am afraid to travel due to the risk of contracting the illness. Does the Trip Cancellation benefit apply?No. The Trip Cancellation benefit provides coverage for specific listed reasons, such as illness or injury, weather conditions, traffic accidents and others. There is no coverage for fear of traveling to a specific destination, even for fear of illness. Please review your policy for more detailed information. The optional upgrade to Cancel for Any Reason coverage would however provide coverage because, as the name states, this coverage allows you to cancel for any reason.

2. If I am quarantined because of Coronavirus symptoms, would the Trip Interruption benefit apply?Most of our travel insurance plans do provide coverage if you are quarantined to an area, which prevents you from traveling or continuing on your trip. Please review your policy for more detailed information.

3. If I were to contract the Coronavirus prior to departure, would the Trip Cancellation benefit apply?Most of our travel insurance plans do provide coverage for an illness, which causes cancellation of travel, provided that the insurance policy was purchased prior to contracting the illness. Verification from your physician will be required in the event of a claim. Please review your policy for more detailed information.

4. If I were to contract the Coronavirus while on my trip, does my policy provide for medical expense benefits?If the disease was contracted during the trip, most plans, which include a Medical Expense benefit, will provide coverage for certain medical expenses such as hospital costs, doctor visits and prescription medication. A doctor must be seen while traveling in order to verify the claim and medical expense benefits. Please consult your policy for more detailed information.

You should always review your Policy of Insurance for additional information about benefits, limitations and exclusions. Note that nothing in these FAQs represents or is intended to represent a guarantee or denial of coverage, or coverage determination, under the Travel Guard insurance policies and we encourage you to file any claim related to Coronavirus you may have under your policy. All information submitted will be reviewed, and your claim will be handled in accordance with the terms and conditions of your policy. If you have any additional questions, please call your AIG Travel sales rep.

AIG Travel

This is only a brief description of the coverage(s) available. The Policy will contain reductions, limitations, exclusions and termination provisions. Insurance is underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 175 Water Street, New York, NY 10038 and currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. Coverage may not be available in all states.

The Centers for Disease Control and Prevention (CDC) is closely monitoring developments around an outbreak caused by a coronavirus first identified in Wuhan, Hubei Province, China. Chinese authorities identified the new coronavirus, which has resulted in hundreds of confirmed cases in China, including cases outside Wuhan City, with additional cases being identified in a growing number of countries internationally.

This outbreak has affected travel, forcing many travelers going through China to undergo mandatory screening when entering other countries, and has left travelers with planned trips to China concerned about their visit. It is important for all travelers to understand their travel insurance coverage. This includes travelers with planned trips to China as well as travelers who may be susceptible to contracting the virus.

Below are a few examples of how Arch RoamRight’s plans may work during the Coronavirus outbreak. For full details, please call our customer service team at 1-800-699-3845.

Coverage Options for Trips to China

If you have a planned trip to China and want to cancel because of the coronavirus, you likely will not have coverage through most travel insurance policies. Cancellation due to the fear of contracting a virus is not covered under most Arch RoamRight plans. We encourage you to first contact your travel supplier directly to determine alternate options and arrangements.

Federal health officials have confirmed several cases in the United States. It is therefore useful to understand that, if you already have a trip insured and contract this virus (or any other unexpected illness) before you leave, you likely have coverage to cancel your trip.

Quarantine Coverage

If you or your traveling companion is quarantined, including if you have been detained during your trip due to suspected illness, such as a wellness check at an airport, you may have trip cancellation coverage.

If your destination is placed under quarantine after your departure date, you may have trip delay or missed connection benefits.

Cancelled Flights

For cancelled flights, you may have coverage under most Arch RoamRight travel insurance plans, if the cancellation occurs on or after the scheduled departure date and you won’t be able to reach your destination before 50% of your trip has passed. If the flight cancellation occurs prior to the scheduled departure date, coverage is not available.

Itinerary Changes

If a travel supplier changes a trip itinerary after the scheduled departure date, and that change results in you not being able to participate in a non-refundable, prepaid event or activity, there would be coverage for those expenses, provided that:

1. The event was prepaid prior to departure;
2. The event was scheduled on the trip itinerary; and
3. No comparable event or activity of equivalent cost was rescheduled during the trip.

Emergency Medical Coverage for Insured Travelers in China

If you travel to China and have an Arch RoamRight travel insurance plan in place, you may be eligible for emergency medical coverage if you contract the coronavirus while in China. This includes help finding a physician, emergency medical care, and – if necessary – an evacuation back home for care and treatment.

Travelers, such as those covered by Arch RoamRight, who are abroad and are feeling ill can contact their insurance company’s emergency assistance provider. Arch RoamRight’s emergency assistance provider can by collect call at +1-443-279-7335.

Trip Interruption Coverage for Sick Travelers

Sick travelers may also be eligible for trip interruption coverage, which can reimburse for additional transportation expenses to take you home, as well as any unused, pre-paid, non-refundable travel expenses.

Contact Arch RoamRight for Travel Insurance Questions

Arch RoamRight is a leading provider of travel insurance for Americans traveling domestically and abroad. If you are an Arch RoamRight traveler and have questions about your plan, or you are looking to purchase a travel insurance plan for an upcoming trip, contact our award-winning customer service team at 1-800-699-3845.

After careful consideration, Chubb Travel Protection will be suspending the offer of Cancel For Any Reason coverage as an optional upgrade for our Leisure Travel plans. As our travel partners, we appreciate your understanding with this difficult business decision.

Effective March 19, 2020, Cancel For Any Reason optional upgrade will be removed from our CRS portal. We request you stop offering this benefit immediately when discussing our travel insurance plans with your travelers. All marketing materials will be updated and provided as soon as they are available. All in-force policies bound on/before March 18, 2020 with Cancel For Any Reason coverage will not be impacted and will receive the benefit in accordance with the policy provisions.

We appreciated your partnership and understanding of this business decision.

Products: Leisure Travel Plans

Travel Basics, Travel Essentials, Travel Choice, MultiTrip Basics, MultiTrip Essentials, MultiTrip Choice

Following are the frequently asked questions for any viral outbreak such as Bird Flu, Zitka, Coronavirus:

Q1. My insured would like to cancel their trip due to the viral outbreak. 

A1. Travel insurance plans have a specific list of covered reasons to cancel their travel arrangements.  Unfortunately, cancellation specific to concerns traveling because of the viral outbreak concerns are not listed in the covered reasons.  Covered reasons include, but, are not limited to:

Sickness, Injury or death of an Insured, Family Member, Traveling Companion, Business Partner or Host at Destination;

Inclement Weather causing delay or cancellation of travel.

Terrorist Incident in a City listed on the Insured’s itinerary within 30 days of the Insured’s scheduled arrival;

the Insured and/or Traveling Companion is directly involved in or delayed due to a traffic accident, substantiated by a police report, while en route to the Insured’s Destination;

Insureds should check their specific policy for exact terms and conditions.

Q2. An insured is planning to cancel their trip since the US Government Warning states they should not travel due to the viral outbreak.

A2. Travel insurance plans have a specific list of covered reasons to cancel their travel arrangements.  Unfortunately, cancellation specific to government warnings are not listed in the covered reasons. In addition to not being covered, most policies exclude cancellation due to “any government regulation or prohibition.” Insureds should check their specific policy for exact terms and conditions.

Q3. An insured is suspected of contracting the virus and placed in quarantine.

A3. The following coverages may apply and will be reviewed by a licensed claims adjuster once documentation is submitted with your claim. Insureds should check their specific policy for exact terms and conditions.

Trip Cancellation and Trip Interruption lists the following covered reasons:

Sickness or Injury of an Insured, Traveling Companion, or Family Member traveling with the Insured must be so disabling as to reasonably cause a Trip to be canceled or interrupted or which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing continued participation in the Trip; the Insured or Traveling Companion is hijacked, quarantined, subpoenaed, required to serve on a jury.

Trip Cancellation Benefits: The Company will reimburse the Insured for Forfeited pre-paid Trip Cost up to the Maximum Limit shown in the Schedule or Declarations Page for Trips that are canceled prior to the scheduled Departure due to any of the Unforeseen events shown above.

Trip Interruption Benefits: The Company will reimburse the Insured up to the Maximum Limit shown in the Schedule or Declarations Page for Trips that are interrupted due to the Unforeseen events shown above for:

1. Unused portion of non-refundable pre-paid insured Trip Cost, and
2. additional transportation expenses incurred by the Insured, either
3. a) to the Return Destination; or
4. b) from the place that the Insured left the Trip to the place that the Insured may rejoin the Trip; or
5. additional transportation expenses incurred by the Insured to reach the original Trip Destination if the Insured is delayed and leaves after the Departure Date.

However, the benefit payable under (2) and (3) above will not exceed the cost of economy airfare or the same class as the Insured’s original ticket, less any refunds paid or payable, by the most direct route.

Q4. An insured contracts the virus while traveling and needs to seek medical attention.

A4. If you need to seek medical attention during your trip, contact our Emergency Assistance Center at 240.330.1537.  The following coverages may apply and will be reviewed by a licensed claims adjuster once documentation is submitted with your claim. Insureds should check their specific policy for exact terms and conditions.

ACCIDENT SICKNESS MEDICAL EXPENSE BENEFIT

If, while on a Trip, an Insured suffers an Injury or Sickness that requires him or her to be treated by a Physician, the Company will pay a benefit for Reasonable and Customary Charges, up to the Maximum Limit shown in the Schedule or Declarations Page. The Company will reimburse the Insured for Medically Necessary Covered Expenses incurred to treat such Injury or Sickness within 365 days of the date of the accident that caused the Injury or the onset of the Sickness provided the initial documented treatment was received from a Physician during the Trip. The Injury must first occur or the Sickness must first begin while on an overnight Trip with a Destination of at least 100 miles from the Insured’s Primary Residence, while covered under the Policy.

Covered Expenses:

The Company will reimburse the Insured for:

• services of a Physician or registered nurse (R.N.);
• Hospital charges,
• X-rays;
• local ambulance services to or from a Hospital;
• artificial limbs, artificial eyes, artificial teeth, or other prosthetic devices;
• the cost of emergency dental treatment only during a Trip limited to the Maximum Limit shown in the Schedule or Declarations Page. Coverage for emergency dental treatment does not apply if treatment or expenses are incurred after the Insured has reached his/her Return Destination, regardless of the reason. The treatment must be given by a Physician or dentist.

Advance Payment: If an Insured requires admission to a Hospital, the Company or its authorized representative will arrange advance payment, if required. Hospital confinement must be certified as Medically Necessary by the onsite attending Physician.

Q5. An insured purchased Cancel For Any Reason coverage and is going to cancel due to the viral outbreak.

A5. Verify Cancel For Any Reason coverage was purchased.  If yes, provide the below information:

CANCEL FOR ANY REASON COVERAGE

If the Insured is prevented from taking the Trip for any reason not otherwise covered by this plan, the Company will reimburse the Insured for 50 or 75% of the prepaid, Forfeited, non-refundable payments or deposits for insured Trip arrangement(s) up to the Maximum Limit shown for this benefit in the Schedule or Declarations Page provided the following conditions are met:

1. the Insured purchases this Cancel for Any Reason Coverage with the base plan and within 15 days of the date the Insured’s Initial Trip Payment or deposit is paid and insures the cost of any subsequent arrangement(s) added to the same Trip within 15 days of the date of payment or deposit for any subsequent Trip arrangement(s); and
2. this insurance coverage is purchased for the full cost of all non-refundable prepaid Trip arrangements that are subject to cancellation penalties and/or restrictions; and
3. the Insured cancels the insured Trip no less than 48 hours prior to the Departure Date.

This coverage will be terminated and no benefits will be paid under this Cancel for Any Reason Coverage if the full costs of all prepaid, non-refundable Trip arrangements are not insured. Any plan cost paid for this Cancel for Any Reason Coverage will be refunded.

The Manufacturers Life Insurance Company

March 5, 2020

As of January 29, 2020, the Government of Canada issued a Level 3 Travel Advisory for travel to China in relation to COVID-19 (Coronavirus).

Since this time, COVID-19 has spread globally, additional high-level Canadian Government warnings have been issued and countries continue to expand their reported cases. It has been acknowledged as a global concern and is being closely monitored by the World Health Organization (WHO).

Trip Cancellation & Interruption Insurance (“TCII”) does include an exclusion for reasons, circumstances, events, etc., that the purchaser is aware of prior to having their TCII insurance issued and which may lead to a cancellation or interruption of the trip. If before purchasing your TCII, you were aware of a reason or event that may cause you to cancel or interrupt your trip a claim for that reason or event will not be payable.

As of March 5, 2020, Manulife has determined that COVID-19 is now considered a known event and the applicable exclusion will be applied for policies issued on or after this date. This exclusion will apply globally, including trips to territories with no existing travel advisory or outbreak.

IT IS YOUR RESPONSIBILITY to advise your clients about Manulife’s position on the COVID-19 and how this may impact their purchase. The “10-Day Free Look” period is also available to help in their decision-making process.

This notice does not apply to policies purchased prior to March 5, 2020.

We will continue to monitor this situation and provide you further updates, if required. If you have additional questions, please contact your Manulife Representative.

Trip Cancellation/Trip Interruption

• There is no coverage for fear of contracting the coronavirus
• If You or Your Traveling Companion are quarantined, meaning you have been detained during your trip due to suspected illness (i.e. during a wellness check at airport), you may be covered
• TC/TI Trigger: “a cancellation of your Trip if Your arrival on the Trip is delayed and causes You to lose 50% or more of the scheduled Trip duration due to the reasons covered under the Trip Delay Benefit”

o   If the flight is cancelled prior to the scheduled departure date, there is no coverage

o   If the flight is cancelled on the scheduled departure date and they won’t be able to reach their destination before 50% of their trip has passed, there would be coverage

Trip Delay/Missed Connection

• Trip Delay effective date: Coverage begins at 12:01AM on the date when You depart on the first Travel Arrangement
• Missed Connection effective date: Coverage begins when You depart on Your first scheduled Travel Arrangement
• The defined hazards for both benefits  are:

o   Any delay of a Common Carrier

o   Quarantine, hijacking strike, Natural Disaster, terrorism or riot – not required for the traveler or traveling companion to be quarantined – their destination could be quarantined

• If an airline cancels the flight on the scheduled departure date, there may be coverage, as long as they meet the time triggers on their policy
• If an airline cancels the flight before the scheduled departure date, there is no coverage because the cancellation occurs prior to the Trip Delay/Missed Connection coverage effective date
• For Missed Connection, if the traveler’s arrival at the trip destination is delayed because of quarantine, there would be coverage to catch up with their trip (likely a tour)

Itinerary Change

• If the travel supplier makes a change in the trip itinerary after the scheduled departure date which prevents participation in a prepaid event or activity (i.e. visit the Great Wall), there would be reimbursement for the unused, non-refundable event or activity expenses, provided the event was prepaid prior to departure, scheduled on the trip itinerary and no comparable event or activity of equivalent cost was rescheduled during the trip

General

• All insureds should seek a refund from their travel supplier
• Rather than specifying one all-inclusive date to determine eligibility for coverage for coronavirus (foreseen vs. unforeseen), we will track travel ban dates for each destination: https://travel.state.gov/content/travel/en/traveladvisories/traveladvisories/china-travel-advisory.html

The Centers for Disease Control and Prevention (CDC) is closely monitoring developments with the Coronavirus. The outbreak of the Coronavirus was first reported on December 31, 2019 in Wuhan.

Countries in the affected regions, and areas with reported incidents, continue to be eligible destinations. Should travelers become ill with the Coronavirus while traveling, coverage may be available for Emergency Medical, Medical Evacuation, or Trip Interruption.

Travel Insured previously advised that there would be no coverage under our plans due to the coronavirus, except for CFAR and IFAR.  It remains true that the State Department’s decision to issue a travel advisory of level 4 for China, or any other country, does not trigger coverage, nor does a fear to travel due to the virus.  However, it has come to our attention that the coronavirus may be causing individuals to be quarantined and flights to be delayed.  With this in mind there may be coverage including Trip Cancellation if a common carrier delay causes an insured to miss more than 50% of his or her trip.  The coverages that could be implicated beyond CFAR and IFAR include the following:

Travel Delay – An insured traveler must be delayed for the time sensitive period while en route to, from, or during a trip due to a covered reason.

Missed Connection – If a delay causes you to miss a cruise or tour departure due to a covered reason, you may have coverage under Missed Connection.  The delay must meet the time sensitive criteria listed in your plan.

The delay of a common carrier can be included as one of the covered reasons for Missed Connection. Thus, if a common carrier delay causes an insured to miss more than 50% of his or her trip, Trip Cancellation or Interruption coverage could apply.

Trip Cancellation and Interruption – An insured traveler must cancel or interrupt their trip due to a covered reason.  One covered reason for Trip Cancellation or Interruption that could apply is quarantine.  Another covered reason is if your arrival on the trip is delayed and causes you to lose 50% or more of your scheduled Trip duration, due to the reasons covered under the Missed Connection Benefit.

If your travel supplier cancels your trip, the Trip Cancellation benefit may pay for the reissue fee charged by the airline for the tickets. You must have insured the entire cost of your trip including the airfare cost.

Cancel for Any Reason – Some travelers may prefer to cancel their trip out of concern for the Coronavirus. For insured travelers who purchased Cancel for Any Reason coverage, we remind you that cancellations must be made 48 or more hours prior to scheduled departure and payment is limited to 75% of the non-refundable trip cost up to the stated plan maximum limit. (For residents of New York State: Despite the information circulating about Cancel for Any Reason (CFAR) coverage for residents of New York State, we have yet to receive the go-ahead from the New York State Insurance Department. If this is approved, it may take several weeks to implement this plan to be available for purchase. Thank you for your patience, and we will continue to monitor the situation.)

Future Travel Credits – Due to the unique circumstances surrounding COVID-19, we are allowing all insured travelers whose trips have been affected by the virus to change the travel dates on their plan to cover a new or rescheduled trip (provided you are no longer taking the impacted trip due to COVID-19).  We will allow a traveler who has insurance and receives a  Future Travel Credit to use the value of that Future Travel Credit towards the trip cost.  Additionally we will allow a traveler who has been issued a Future Travel Credit due to cancellation for COVID-19, who did not previously have insurance, to purchase coverage and use the value of the Future Travel Credit towards the trip cost.

Every Travel Insured plan also includes Non-Insurance Emergency Travel Assistance Services available 24/7 to help travelers whenever they are in need of assistance during their trip.

This statement only provides a general summary. Please refer to your actual plan document for the specific terms and conditions of the specific plan purchased as eligibility for coverage varies based upon the specific plan terms, conditions and limitations, and may vary by state or may not be available in all states. Travel Insured recommends travelers purchase proper travel protection plans in case of unforeseen circumstances and to know where to go and where not to go during their travels.

Please contact us at 1-855-752-8303 with any questions you may have.

Coronavirus FAQs

How can I stay up to date with travel coverage alerts?

Travelers should monitor information provided by the WHO to stay up to date with the latest regarding the Coronavirus. Travel Insured’s Coverage Alerts page, also provides the most up to date information regarding travel protection coverage related to Coronavirus.

Can I cancel my trip?

Your trip must be cancelled due to a covered reason. One covered reason for Trip Cancellation or Interruption that could apply is quarantine . Another covered reason is if your arrival on the trip is delayed and causes you to lose 50% or more of your scheduled trip duration, due to the reasons covered under the Missed Connection Benefit.

What can I do if I am afraid to travel?

If you want to cancel your trip out of concern for the Coronavirus, you will need to have a plan with Cancel for Any Reason Coverage*. This benefit is a time sensitive coverage and not all travelers may be eligible.

How do I qualify for Cancel for Any Reason coverage?

Cancel for Any Reason* allows you to cancel no matter the reason, as long as you cancel 48 or more hours prior to your scheduled departure date. You are able to cancel your trip plans and recover up to 75% of your non-refundable trip cost. As a reminder, you must purchase your plan within 21 days of the date your initial deposit made toward your trip is received in order to be eligible for this benefit (additional terms apply).

What if the Coronavirus causes a travel delay?

You must be delayed for the time period listed on your plan while en route to, from, or during your trip due to a covered reason.

What if my Travel Supplier cancels my trip?

If your Travel Supplier cancels your trip, the Trip Cancellation benefit may pay for the reissue fee charged by the airline for the tickets. You must have insured the entire cost of your trip including the airfare cost.

What if I miss my flight due to coronavirus screenings at the airport?

Except for Interruption for Any Reason coverage (provided 72 hours or more have passed since your actual departure date)**, Travel protection will not cover you if you miss your flight due to extra screenings at the airport for the coronavirus. Please allow extra time to get through security checkpoints.

What if the country I’m traveling to has a travel warning or advisory?

A warning or advisory issued by the State Department for any country is not a covered reason for trip cancellation or interruption.

What if my doctor recommends I don’t travel?

If your doctor thinks you shouldn’t travel due to your age, an underlying condition, or even just to be safe, this unfortunately is not covered unless you have Cancel for Any Reason.

Purchase Coverage No Matter Your Destination

Many people may feel that if an event is not in the destination they are traveling through or to, then they do not need to bother with investing in travel protection. Even if your travel plans to do not involve the direct path or location of the event currently, your plans could still be effected.

Emergency Medical & Medical Evacuation Coverage

Purchase a plan that provides coverage for medical expenses incurred during travel, particularly outside of the U.S. With the medical benefits included in our plans, you can help ensure access to quality medical treatment wherever you travel and protect yourself from unexpected travel medical and evacuation expenses.

In the event of an emergency, please contact Travel Insured’s non-insurance emergency travel assistance, 1-888-668-0130.

This statement only provides a general summary. Please refer to your actual plan document for the specific terms and conditions of the specific plan purchased as eligibility for coverage varies based upon the specific plan terms, conditions and limitations, and may vary by state or may not be available in all states. Travel Insured recommends travelers purchase proper travel protection plans in case of unforeseen circumstances and to know where to go and where not to go during their travels.

*This describes the Cancel for Any Reason (CFAR) coverage included in the Worldwide Trip Protector Plus Plan.  The specific eligibility requirements may vary by plan design.  CFAR is not available to residents of New York State.

**This describes the Interruption for Any Reason (IFAR) coverage included in the Worldwide Trip Protector Plus Plan. The specific terms may vary by plan design. IFAR is not available to residents of New York State.

Travelex understands that travelers continue to have questions regarding the spread of the coronavirus and what Travelex protection plans cover.

To clarify how Travelex plans provide coverage, the outbreak of the coronavirus, now known as COVID-19, became a foreseeable event for Travelex Insurance plans underwritten by Berkshire Hathaway Specialty Insurance on January 21, 2020. The explanation below regarding the coverage of Travelex plans applies to all travel destinations, not just China and surrounding countries.

Plan coverage purchased prior to January 21, 2020
You would need to have purchased your Travelex plan prior to January 21, 2020, to be eligible for Trip Cancellation/Trip Interruption. The insured traveler or traveling companion would need to be physically quarantined themselves in order to cancel or interrupt their trip.

An insured is also eligible for Emergency Medical/Evacuation coverage if the insured contracts the coronavirus while traveling.

Plan coverage purchased on January 21, 2020 or later
An insured is eligible for Emergency Medical/Evacuation coverage if they contracted the virus on their trip. They are not eligible for Trip Cancellation/Trip Interruption coverage if the effective date of their plan is January 21, 2020 or 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.

Plans where the Cancel for Any Reason upgrade has been purchased allows the insured to decide for themselves whether to travel or cancel their trip according to the terms of the plan.

Please refer to your appropriate policy document for complete details regarding plan coverage.

Note: We are experiencing higher call volume and longer wait times due to questions regarding the coronavirus. During this time, you may use our online self-serve options to save time:

• Purchase: Online at www.travelexinsurance.com
• Plan Changes: Request a policy change online under ‘Plan Holders’ tab or email us at customersolutions@travelexinsurance.com
• Plan Questions: Email us at customersolutions@travelexinsurance.com

Should you need to file a claim on your policy, you may contact Claims at:

• Claims: 1.855.205.6054 or email at travelex.claims@bhspecialty.com

We appreciate your business and are working through your requests and inquiries as quickly as possible.