The terror attacks of September 11, 2001 were like nothing the traveling public had ever seen before. When a terrorist attack occurs, travelers understandably get nervous and wonder whether they should cancel their travel plans.
Some travel insurance plans exclusively prohibit any claims due to terrorist attacks and others list incidents of terrorism as a covered reason for travelers to make a claim on their various travel insurance benefits. The key is that a terrorist incident must be listed in the policy as a covered reason for canceling your trip, going home early, accessing medical care, etc.
There are, of course, limits to the coverage for terrorist incidents with a travel insurance plan. It’s important to note that most travel insurance plans state that the terrorist incident must have occurred recently (usually within 30 days of your departure) and it must be in or within a certain number of miles from a city listed on your itinerary.
The following are 8 ways travel insurance protects travelers from terrorists.
1. Cancel your trip and get your money back
Many travel insurance plans allow the insured traveler to cancel their trip prior to leaving when a terrorist attack occurs. This is a great way to protect your trip investment from the actions of terrorists.
If your destination is a long way from where the terrorist act occurred, but you want to cancel your trip for fear of follow-on attacks, you’ll need to have ‘cancel for any reason’ coverage to make a claim.
2. Go home when terrorists strike
If a terrorist incident occurs where you are traveling and you want to leave the area and go home, trip interruption coverage will reimburse the insured traveler for additional transportation expenses (up to the plan limit) less any money you receive from the exchange of your airline ticket (if any).
Depending on how much of your trip remains, you may also be reimbursed for the non-refundable trip costs you paid for but didn’t use prior to heading home.
3. Get medical treatment when injured in a terrorist attack
While travel insurance providers place limits on some coverage for terrorist attacks, there is no such limitation on medical treatment when the traveler is injured in a terrorist attack. If you are in a foreign country and caught in a terrorist attack, your emergency medical treatment will be covered up to the limits of the travel insurance plan.
Acts of terrorism and terrorist incidents must not be listed under the general exclusions for this benefit to be available to a traveler caught in a terrorist incident.
4. Send your kids to college even if you’re dead
Most travel insurance plans include some Accidental Death and Dismemberment (AD&D) or flight accident coverage. If you are killed during a terrorist incident while on an insured trip, your beneficiaries will receive the amount of money listed in the policy details. This benefit if secondary to any other life insurance or AD&D you have through your employer or other sources.
5. Catch a ride out the mess
When a terrorist does their worst, the insured travelers are in a much better position to catch a ride out of the area where the terrorist action has occurred. Many travel insurance providers offer security or political evacuation coverage and they will retrieve their covered travelers and take them to a safer place.
6. Manage delays caused by terrorism
Many travel insurance plans list travel delays as one of the covered events. If you are delayed from reaching your destination due to a terrorist act, you’ll have the money you need to cover unexpected lodging and transportation among other things. You’ll also have the support of the travel assistance services to book hotel rooms, re-arrange flights, and much more.
7. Recover your body
If you are killed in a terrorist incident while traveling, a travel insurance plan with coverage for the return of mortal remains, or repatriation, will work to recover your body and return it home for burial. The travel assistance team will negotiate with government officials, handle the paperwork, arrange and pay for the shipping costs to ensure that your body is safely returned home.
8. Help if you’re hospitalized
If you are traveling with your children and you are hospitalized as a result of a terrorist attack, many travel insurance plans include coverage to return minor children to their home or to a suitable caregiver while you recover. Another little-known benefit of travel insurance is one called bedside visit or emergency medical reunion. This benefit brings a family member or friend to your bedside if you will be hospitalized in a foreign country for a minimum number of days (usually 7).
Your Definition of Terrorism May Not Match Theirs
When a travel alert or warning is issued by the U.S. Department of State and warns travelers about the potential for terrorist acts in the near future, many travelers scramble to find their travel insurance plans and review their coverage. As they say, “the devil is in the details.” What you might identify as a terrorist incident may not be identified as such by others – specifically by your travel insurance provider.
The terminology of the travel insurance plan plays an important part. If the event does not turn out to be caused by a terrorist as defined by the terms of the policy, your claim will be denied.
Let’s look at how some plans define terrorist incidents. The following one is from Travel Guard’s Platinum travel plan:
Another travel insurance company – Travel Insured International – defines terrorist incidents as follows:
In the second case, the terrorist act must be identified as such from the U.S. government. If a train blows up in the city where you are visiting and you think it’s a terrorist action and make a claim for trip interruption when you return home, your claim will only be paid when (and if) the U.S. government identifies it as an act of terrorism. Otherwise, your claim will be held in limbo until the matter is decided by the government.
While insured travelers have some protection against terrorist acts (depending on the plan they chose), there is no coverage for terrorist threats – even when the warning is issued by the U.S. government. Your only guarantee that you will be able to cancel your trip and recover some or all of your trip investment is to have ‘cancel for any reason’ coverage with your travel insurance plan.
Finding Expat (Expatriate) Insurance | loaninsuranceinfo.site
An expat, or expatriate, is a person who has decided to live and work in a country that is not their original home country. They may be residing temporarily, long-term, or permanently outside the country of their birth and for a wide range of reasons: they like the culture better, the work opportunities are better, the cost of living is better, and more.
What Insurance Concerns do Expats Have?
Expatriates have a long list of things to think about, including tax laws, whether to take their own vehicle or buy abroad, banking abroad, living arrangements, visa and work requirements, and more. Plus every country is different, so if you move around as an ex-pat, you’ll have to keep up with the rules and laws wherever you go.
As an expatriate, you also have to be concerned about health care. While some countries allow a visitor to receive health care paid for by the government, others are less inclined. If the expat doesn’t qualify as a citizen under the government of the country where they are living, their health care is handled differently – and often paid upfront unless they have an insurance plan.
This is fine as long as you never get sick, break a tooth (or a leg), fall into a ditch, run into a nasty mosquito, or get into a car accident, for example. According to media reports, the cost of health care may be the highest in the U.S. and Canada, but it’s rising around the globe as well. Unless you are one of the few who prefer to risk it, buying an expatriate insurance plan is the way to go.
How is Expat Insurance Different from Travel Insurance?
There are essentially two types of travel insurance: vacation plans and travel medical plans. Most vacation (package) plans cover trips of a limited amount of time (often just 30 days) and the cost of covering a cancellation comprises most of the premium. But as an expat, you don’t care too much about trip cancellation coverage. It’s not useful to you.
For an expat, a travel medical plan is the way to go and the premiums are much less than those for package plans. Plus, they come in short- and long-term periods of coverage (even annual) and they can often be extended for more time or renewed on an annual basis. Plus, periodic visits back home are allowed without invalidating your coverage.
Expatriate Insurance Can Cover Non-Emergency Medical Care
Now that you know you have to choose a travel medical plan, it’s also important to consider where you’re going, what type of medical care will be available to you, and whether you’ll need basic maintenance medical care for minor illnesses and checkups.
If you are living and/or working abroad, you may want to have the same level of health insurance as is typical back in the U.S. – especially if you’re traveling as a family and have (or are planning to have) kids. If so, you’ll want to look into a long-term travel medical plan with coverage for non-emergency medical care.
Expat Insurance May Include some Package-like Benefits
Most insurance plans that are appropriate for expats also include at least some benefits that are more commonly found in vacation plans, like the following:
You should carefully review the exclusions of your plan because many plans don’t include coverage for hurricanes, terrorism, political unrest and more. Once you’re in your new country, you can expect your insurance company to get you out unless you have the coverage for it.
Determining How Much Coverage You Need
This is where things can get more complicated because how much coverage you need depends on several things:
How much medical care costs where you’re going
How much money you have available at any time to pay for medical care
Your personal level of comfort with risk
Much like investing in stocks, choosing the right coverage limit is a highly personal decision, but there is some research you can do to make your decision easier. Start by going to the U.S. State Department’s International Travel Information site, and choose the country where you’ll be living as an expat.
Let’s say you’ve decided to spend a year in Australia as an expat, so you choose Australia and the country specific information displays. There are several sources of useful information here, including (links are specific to Australia):
According to the information for Australia, excellent medical care is available but you should check to see if the policy you already have covers you in that country, and if not, you’ll want to have some type of overseas medical coverage.
Finding Expat Insurance Plans
When it comes to finding expatriate insurance plans, we found a couple of plans that you can review for your expat trips:
HTH Worldwide Global Citizen EXP – this plan is worldwide health insurance for emergency and preventative care and includes optional prescription drug benefits, maternity benefits, and more.
Frontier MEDEX TravMed International – this plan has major medical coverage, dental care, and covers evacuations/repatriations for travelers living away from home for extended periods of time.
You can use our compare quotes tool to find an expat insurance plan that fits your needs. Be cautious about any pre-existing medical conditions you may have as medical care for those may not be covered if you choose a plan that excludes pre-existing conditions.
Be sure to check out our Tips to Surviving Culture Shock too!
How the Latest Global Travel Alert Affects your Travel Insurance
Earlier this week, the U.S. State Department issued a global travel alert announcing the threat for terrorist attacks on Westerners and warning U.S. citizens to take precautions while traveling.
The travel alert expires on August 31, 2013, and nearly the moment it was issued, many U.S. travelers were scrambling to check their travel insurance policies and understand the terms under which they might be able to cancel their travel plans – and get a refund – or travel anyway and be sure their emergency medical care will be covered.
Let’s review how this latest global travel alert affects your travel insurance coverage.
A Terrorist Act (by definition) May Not Be What You Think
Travel insurance doesn’t always apply to emergency situations the way many travelers expect it to – especially in cases of terrorism, or political and civil unrest that causes instability in certain regions of the world. Specifically, a terrorist incident is not the same as political or civil disorder or riots.
Understanding how your travel insurance plan defines a terrorist act is critical to understanding your coverage.
See your travel insurance plan’s definition of terrorist act – here is an example copied from the plan description document for TravelEx’s Select plan:
Some travel insurance plans – like Seven Corner’s Round Trip Choice plan – define a terrorist incident like this:
Terrorist Incident: means an incident deemed a terrorist act by the United States Government that causes property damage or Loss of life.
Essentially, the coverage in the plan isn’t in effect unless the U.S. government deems it a terrorist act. So, just because you’d define it as an act of terrorism doesn’t mean your travel insurance provider does.
Changing Your Mind is Not a Covered Reason to Cancel
Most travel insurance policies do not cover trip cancellations in response to a travel alert or travel warning – the terrorist action actually has to occur for the coverage to kick in. For those plans that do include cancellation coverage for terrorist actions, the following rules generally apply:
The travel alert must be issued after your plan’s effective date (meaning you can’t buy travel insurance now because the threat is already a known event).
The terrorist incident must occur after your plan’s effective date and within a certain number of miles of your travel destination.
The terrorist incident must occur within a certain number of days (usually 15-30) of your scheduled departure date.
The same city must not have already experienced a terrorist incident within ninety days prior to the incident that is causing you to cancel your trip.
Those travelers with trips scheduled after the August 31, 2013 expiration of the global travel alert can get coverage for their trip, but remember that buying your plan soon after your first trip deposit is always recommended.
Travelers who purchased a travel plan with ‘cancel for any reason’ coverage can cancel their travel plans no later than 48 hours prior to their departure. ‘Cancel for any reason’ coverage is the only coverage that allows a traveler to cancel for any reason at all and get 50-100% of their money back.
See more about terrorism as a covered reason to cancel your trip and a list of policies with that type of coverage.
Benefits May Not Be Payable for Certain Types of Terrorist Incidents
Travel insurance providers limit their losses for some events using exclusions, which are clearly defined in your travel insurance plan. For example, most travel insurance plans specifically exclude any coverage for sickness, injuries, or other losses due to war, attacks using weapons of mass destruction, nuclear, chemical, biological or other warfare – regardless of who commits the act or whether war has been declared or not.
This means that if a terrorist decides to unleash a nuclear attack where you are intending to travel or are already traveling, your cancellation, your emergency medical treatment, your evacuations, etc. will not be covered by your travel insurance plan – even if it’s defined as a terrorist action simply because of the type of incident.
If You’re Traveling Soon and Have Travel Insurance
This particular global alert was issued on August 2, 2013 and expires on August 31, 2013. If you are traveling within this travel alert’s time frame, especially if you are traveling to one of the areas listed in the global travel alert, which are: North Africa, the Middle East, and the Arabian Peninsula, you’ll want to do the following:
See if you purchased ‘cancel for any reason’. If you decide not to go, you’ll need to cancel your trip no later than 48 hours prior to departure.
Check your plan’s exclusions section to see how your cancellation, trip interruption, emergency medical, and evacuation will be covered in the event of a terrorist attack.
Check your plan’s coverage for political evacuation. In some cases this coverage will provide for your evacuation in the event of government or social upheaval in a foreign country. Remember that the event must occur for the coverage to be available.
If an event does occur within the travel alert’s time frame and you’re traveling, know that extra costs due to travel delays may be covered if the carriers stop all travel for a certain number of hours.
Summing It Up
The issuance of a travel alert or travel warning associated with an increased threat of terrorist attacks does not automatically trigger benefits under your travel insurance policies. Travelers who are concerned about taking their trips in light of the increased threat must have purchased their insurance prior to the alert being issued.
Travelers with plans to travel after the expiration of this latest alert should purchase their travel insurance early – soon after their initial trip deposit date – and consider getting ‘cancel for any reason’ protection in case other alerts are issued and they decide to cancel.
9 Expensive Travel Mistakes You’re Likely to Make
We all make mistakes, but we’ve also learned that some mistakes cost more than others do. This is especially true when you’re traveling. While no traveler can predict unexpected events like volcanic eruptions or earthquakes, there are a number of expensive mistakes travelers make often enough to warrant this post.
The following are some of the most expensive mistakes travelers common make – and how to avoid them.
1. Not checking your passport early
This mistake can happen to the best of us – after all, ten years is a long time and if you use your passport infrequently it’s easy to forget when it is due to expire.
Trip cancellation coverage with your travel insurance plan may cover your lost trip expenses if your passport is lost or stolen, but it won’t cover them if your passport has expired because that’s part of your good faith responsibility to verify.
In addition, entry into some countries like Costa Rica requires that your passport be valid for six months AFTER you arrive in the country. If you get turned away at the border for having an invalid passport, your travel insurance plan won’t reimburse you for your costs.
If you’re planning a trip where you’ll need your passport, check the expiration date early and for everyone who’s going on the trip. See the State Department’s information on how to get your passport in a hurry if you need to expedite your passport renewal..
2. Using your phone overseas
These days, our phones do far more than ever before – and many of us are ridiculously dependent on those services to find our way around, find a restaurant, keep everyone updated on our day, etc. But using your phone in a foreign country without an international plan can be shockingly expensive.
Of course, you could leave your phone behind and see what travel was like in the ‘old days’. If that’s too scary, you have lots of options to choose from to stay in touch without losing your shirt, including:
Get a temporary overseas plan with your provider for the duration of your trip.
Switch to a Voice over IP app like Skype to make calls when you find a Wi-Fi hotspot or use your 3G network.
Switch your phone’s SIM card, which you can buy locally and pay local rates.
Buy or rent a temporary pre-paid phone that works where you’re traveling.
Use a free hotspot and spend your time on social media (just remember to disable any automatic downloads).
See Does travel insurance cover phones to understand how to protect your phone.
3. Packing too much stuff
Nearly all of us struggle with this one and more than half of us return home with an outfit that was never worn on the trip. With baggage fees climbing steadily, it’s wise to rethink how much stuff you’re bringing with you and remember that you can buy something you’re missing on your trip.
Regularly check the weather reports for your destination – both current and historical data – to be sure the items you have are really what you need.
See these tips to lighten your load:
Avoid an expensive situation at check-in by reviewing your airlines’ baggage rules and weighing your bag ahead of time. An overweight bag can really bite into your available travel money.
4. Traveling without medical insurance
Not one of us likes to spend money where it’s not necessary, but having travel medical insurance is not one of those scenarios. Sure, you might get through your entire trip without breaking your ankle on a cobblestone street, or contracting a severe case of norovirus, or slipping on the wet tiles at a spa, but if you do wind up in a hospital that’s outside your health insurance network, it can be an expensive financial blow.
Many countries require up-front payment for medical care even with travel insurance, and some travel insurance providers will pay the medical facility directly. If your travel insurance company reimburses you instead, you may need plenty of credit on your credit card.
Before you leave, contact your health insurance provider and find out what coverage you will have where you’re traveling. If there’s little or none, a travel medical plan is a cheap way to protect yourself.
5. Forgetting to tell your bank
If it’s unusual for your credit or debit card to have a charge for restaurant meal in Paris, then your bank may suspend your card for potential fraud. This is an excellent service when the charge isn’t your own and your card has been stolen, but it can be a real problem when you need to pay for your next purchase and the card has been cancelled.
Avoid this situation altogether by contacting your bank and let them know the dates and where you’ll be traveling. Be sure to give them both pieces of information and tell them how to get a hold of you on your trip – if you’re in Paris and a charge shows up on your account from Singapore, the bank will do what it’s trained to do and close your account anyway.
6. Making booking mistakes
Many of us are guilty of this one and it includes a wide range of mistakes:
Not leaving enough time between connecting flights
Not verifying our calendars and taking into account the time differences
Booking the wrong outbound or return flight
Booking a flight out of the wrong airport
Rebooking departure dates is one of the most common traveler mistakes and it happens all the time. You can make a lot of changes to airline tickets, but these days those changes can lead to a hefty fee. Double and triple check your calendar before making reservations.
7. Not reserving a place to stay – at least for the first night
Even the most spontaneous travelers need somewhere to put their suitcase – and perhaps their bum – down for the first night. Traveling can be hard on the human body and landing in an unfamiliar city without a reservation could prove more expensive than you think. Wandering around with heavy bags looking for a place to rest isn’t ideal either.
No matter how flexible you want your trip to be – have a place to stay the first night. Keep that reservation and hotel information handy so you can get directions from a local or give it to a cab driver.
8. Failing to research local transportation
What do you know about the transportation at your destination? If you’re staying in a friendly seaside village, do you know how you will get from the airport to that final destination? You can’t assume that the transportation system where you are traveling is similar to the one you have back home. You might be used to lots of cabs and buses being available at all times of the day and night, but try that in some regions of the world – especially if your plane was significantly delayed and you’re arriving late in the night – and you could end up sleeping in a park until morning.
Do a little research on the transportation so you know how far you’ll be going and how you’ll get there. If you’re planning to take public transportation, be sure you know what options you’ll have when you arrive. Also, it may be more cost-effective to buy your rail passes before you leave.
9. Taking the ‘typical tourist’ route
Staying on the standard tourist route is often the most expensive way to travel. While there are certainly some sites that are not to be missed on certain trips – the Eiffel Tower in Paris, for example – the simple demand for those views means they cost more. Visiting the less known destinations can significantly reduce the cost of your trip and often those are some of the most interesting places to visit.
The same is true for traveling during the high season. A destination’s peak travel period results in the highest demand and thus the highest prices. If you’re planning to travel during a busy time, book well in advance for the best prices. If you can travel during the off-season, however, you’ll save a lot of money but you may not have ideal weather conditions. The shoulder seasons are often ideal to get the best of both worlds.
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