Knowing What Matters With H1n1 And Insurance
Massive quarantines for foreign visitors, various government alerts
, and mounting infections. Nothing good has happened since the dawn of the dreaded H1N1 or swine flu.Travelers are given the sole responsibility of finding a way to protect themselves against the problem of this viral infection epidemic.
What travelers should do is take a number of health precautions but obtaining travel insurance can also be very helpful in this case.
Never expect it to cover all kinds of situations though.
According to the executive vice president of an online comparison site based in Warwick, RI there were a lot of big trip insurance providers that no longer granted coverage for H1N1 after H1N1 was declared as a global pandemic by the World Health Organization.
H1N1 is again being considered by a number of these companies today. According to him, today there are no big trip insurers that he knows of that still has a policy applying a pandemic exclusion for H1N1.
In terms of the newest general industry practices on H1N1, here is a Question and Answer portion on this matter.
In this case, bundled policies are being considered where coverage is provided for medical care, trip cancellation and interruption, and other situations.
In the case of the first question, it is with regard to whether or not a person can get back the nonrefundable deposits when a trip is cancelled before the person leaves if he, a traveling companion, or a family member contracts H1N1.
Any kind of documentation of the illness will be enough to get you your money back from the trip.
Considering the next question, it is all about cancelling a trip because you have this fear of getting swine flu or being quarantined in the destination area.
A no is what you will get in this case. Most insurance companies will say that what their standard policies exist to insure are unpredictable occurrences and definitely not a state of mind.
There are times when you can be covered for a state of mind if you pay extra for a cancel for any reason rider which is an additional option that can be added to your standard policy.
This is how this arrangement works. You might incur losses when you cancel a trip and if this happens and your reasons include illnesses or job loss then a standard policy will be able to cover you.
In terms of the reasons included in a cancel for any reason rider, the list is longer. In this situation, a trade off exists for the rider can boost the premium and it will normally reach about 4 percent to 8 percent of the cost of the trip but they will only be paying you less than 100 percent of the losses you incur for reasons outside the standard policy.
Also, there is the inquiry about traveling to a certain destination where a US government agency has already issued warnings or advises about the risks involved if you travel there.
At one time there were travel alerts for China released by the US State Department as they received numerous reports on American visitors being quarantined because they were suspected to have the H1N1 infection.
It was the Center for Disease Control and Prevention that mentioned that if the elderly and some other family members at high risk, women, or a pregnant companion contracts the virus then will it be possible for you to get back your nonrefundable deposits.
A no is what the answer here is. Trip cancellations will not be valid when a government warning is the reason you present according to the executive of the company.
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