H1n1 Coverage During Travel
Foreign visitors subjected to massive quarantines, various government alerts, and mounting infections. Ever since the start of H1N1 or swine flu nothing but bad things has happened. This viral infection epidemic is a problem left for travelers to worry about in terms of protecting themselves from being exposed to it. Yes, the primary defense for travelers would be to consider health precautions but it is also advisable for them to get travel insurance.
Sometimes, there are situations that cannot be covered. H1N1 was declared as a global pandemic by the World Health Organization and what this led to was the halting of coverage for H1N1 by a lot of big trip insurance providers based from the comments of the executive vice president of an online comparison site based in Warwick, RI. Now it appears that those providers have finally reconsidered. Considering this pandemic exclusion for H1N1, he said that there is no big trip insurer that he knows of that is still using this exclusion.
Here's a Question and Answer portion on the latest general industry practices on H1N1. In this case, bundled policies are being considered where coverage is provided for medical care, trip cancellation and interruption, and other situations. For the first question, it is all about whether or not someone can have their nonrefundable deposits reimbursed if a trip is cancelled considering a contraction of H1N1 by the person, his family member, or his traveling companion before leaving. In this case, you can get a refund if you provide the necessary documentations for the illness.
Then, the next question is with regard to cancelling a trip because of fear of being quarantined in your destination area or fear of getting swine flu. What you will receive in this case is a no. With the standard policies coming from insurance companies, they are offering insurance against unpredictable events and not insurance for a state of mind. In some cases, you can also insure a state of mind and you can add this option to your existing standard policy if you agree to pay extra for a cancel for any reason rider.
This arrangement works like this. You will be covered by a standard policy should you incur losses from a trip cancellation if your reasons include illnesses or even a job loss situation. Other than these, there are a lot more reasons included in a cancel for any reason rider. With regard to the trade off, the rider can boost the premium in this case and this can be to about 4 percent to 8 percent of the cost of the trip while they will only pay you less than 100 percent of the losses you incur for reasons outside the standard policy. It is also possible for you to inquire about warnings and advises being issued by a US government agency when it comes to the dangers you might be exposed to when visiting certain countries. For instance, the US State Department issued a travel alert saying it had received thousands of reports of American visitors being quarantined by China for suspected H1N1 infection.
Should the virus be contracted by the elderly and some other family members at high risk, a pregnant companion, or women then will you be able to have your nonrefundable deposits reimbursed according to what the Center for Disease Control and Prevention mentioned. All that you will get here is a no. The executive of the company said that a government warning is typically not a covered reason for trip cancellation.
Sometimes, there are situations that cannot be covered. H1N1 was declared as a global pandemic by the World Health Organization and what this led to was the halting of coverage for H1N1 by a lot of big trip insurance providers based from the comments of the executive vice president of an online comparison site based in Warwick, RI. Now it appears that those providers have finally reconsidered. Considering this pandemic exclusion for H1N1, he said that there is no big trip insurer that he knows of that is still using this exclusion.
Here's a Question and Answer portion on the latest general industry practices on H1N1. In this case, bundled policies are being considered where coverage is provided for medical care, trip cancellation and interruption, and other situations. For the first question, it is all about whether or not someone can have their nonrefundable deposits reimbursed if a trip is cancelled considering a contraction of H1N1 by the person, his family member, or his traveling companion before leaving. In this case, you can get a refund if you provide the necessary documentations for the illness.
Then, the next question is with regard to cancelling a trip because of fear of being quarantined in your destination area or fear of getting swine flu. What you will receive in this case is a no. With the standard policies coming from insurance companies, they are offering insurance against unpredictable events and not insurance for a state of mind. In some cases, you can also insure a state of mind and you can add this option to your existing standard policy if you agree to pay extra for a cancel for any reason rider.
This arrangement works like this. You will be covered by a standard policy should you incur losses from a trip cancellation if your reasons include illnesses or even a job loss situation. Other than these, there are a lot more reasons included in a cancel for any reason rider. With regard to the trade off, the rider can boost the premium in this case and this can be to about 4 percent to 8 percent of the cost of the trip while they will only pay you less than 100 percent of the losses you incur for reasons outside the standard policy. It is also possible for you to inquire about warnings and advises being issued by a US government agency when it comes to the dangers you might be exposed to when visiting certain countries. For instance, the US State Department issued a travel alert saying it had received thousands of reports of American visitors being quarantined by China for suspected H1N1 infection.
Should the virus be contracted by the elderly and some other family members at high risk, a pregnant companion, or women then will you be able to have your nonrefundable deposits reimbursed according to what the Center for Disease Control and Prevention mentioned. All that you will get here is a no. The executive of the company said that a government warning is typically not a covered reason for trip cancellation.
