H1N1, Travel Insurance and You

A combination of mounting infections, various government alerts, and foreign visitors subjected to massive quarantines. The drumbeat of bad news about H1N1, or swine flu, never lets up. When it comes to this kind of viral infection epidemic, travelers are left with the worries related to protecting themselves from this. 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. After it was declared by the World Health Organization that H1N1 was a global pandemic, there were a number of big trip insurance providers that halted their coverage for H1N1 as mentioned by the executive vice president of an online comparison site based in Warwick, RI. Now it appears that those providers have finally reconsidered. In terms of reinforcing a pandemic exclusion for H1N1, he said that there has not been a big trip insurer that he knows of that does this. In terms of the newest general industry practices on H1N1, here is a Question and Answer portion on this matter. Normally, bundled policies are being considered here wherein coverage is provided for the costs of trip cancellation and interruption, medical care, and other situations. Taking the first question into consideration, it is about the possibility of reimbursing any nonrefundable deposits if a trip is cancelled by the person before he leaves if the person, a traveling companion, or a family member contracts H1N1. When it comes to this, a refund is possible if you are able to present a documentation of the illness. When it comes to the next question, it is with regard to cancelling a trip because you are afraid to get swine flu or even be quarantined in your destination country. For this situation, a no is what you will get. What Rosetta Stone Greek the standard policies from insurance companies are meant to insure against are unforeseen occurrences and in no way are they meant to insure a state of mind. It is possible, however, to buy coverage even for a state of mind if you pay extra for a cancel for any reason rider, usually sold as an optional addition to a standard policy. Here is an explanation of how it works. When it comes to a standard policy, most of the time you will be covered for any losses from a cancelled trip if the reason for doing so is job loss or an illness. When it comes to a cancel for any reason rider, there are more reasons included. 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. Another question here is about the possibility of warnings and advises already being given by a US government agency when it comes to the destinations you might be planning on traveling to. Considering the US State Department they released travel alerts for China at one time due to the numerous reports they received about American visitors being quarantined as they were suspected o be carriers of the H1N1 infection. According to the Center for Disease Control and Prevention, if it is contracted by women, the elderly and some other family members at high risk, or a pregnant companion, then is it possible for you to get back your nonrefundable deposits. The answer is, generally, no. It was the executive of the company who said that it is not enough for a government warning to justify the cancellation of a trip.

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