The Clash Of The Travel Titans H1n1 And Insurance
A combination of mounting infections, various government alerts
, and foreign visitors subjected to massive quarantines. With regard to H1N1 or swine flu there is always some negative news to expect.As a result, the worrying is left to the travelers when it comes to protecting themselves from this viral infection epidemic. Yes, the primary defense for travelers would be to consider health precautions but it is also advisable for them to get travel insurance.
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.
There are a lot of these companies finally considering covering H1N1 again. Nowadays, there is no big trip insurer that he knows of that is still reinforcing this particular pandemic exclusion for H1N1 according to him.
A Question and Answer portion with regard to the recent general industry practices on H1N1 is what this is. These are for bundled policies, which typically cover the costs of trip cancellation and interruption, medical care and some 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. By presenting a documentation of the illness, this will be enough to get you your money back.
With regard to the next question, it is about a trip being cancelled because you are afraid to get swine flu or afraid of being quarantined in the destination area. The answer is, generally, no.
In terms of insurance companies and the standard policies they offer, these are ideal for insuring unforeseen events and not a state of mind. You can purchase something to insure a state of mind and as you pay extra for a cancel for any reason rider this additional option can be applied to your standard policy.
Here is an explanation of how it 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.
When it comes to a cancel for any reason rider, there are more reasons included. 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.
Does it matter if a US government agency issues a warning that urges Americans to avoid visiting any destination or advises of risks of travel there. There was a time when the US State Department released a travel alert for China because they reportedly received thousands of reports about how American visitors were being subjected to quarantine for suspected 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. The answer is, generally, no. What the executive of the company mentioned was that a government warning is not a viable reason if you were to cancel a trip.
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