Finding All About The Pandemic Flu And Insurance Coverage

August 15th | No Comments | Posted in Articles, Travel insurance

Subjecting foreign visitors to massive quarantines, mounting infections, and various government alerts. There has yet to be some positive news when it comes to the issue of 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 needs to be done by travelers in this case apart from taking certain health precautions is to obtain adequate travel insurance.

But don’t expect it to cover every situation. 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. What he mentioned was that there is no policy from big trip insurers that he knows of that still uses this pandemic exclusion for H1N1.

Here’s a Question and Answer portion on the latest general industry practices on H1N1. Considered here are bundled policies wherein there is coverage provided for any expenses rooting from trip cancellation and interruption not to mention medical care and other situations. The first question is, if I cancel a trip because I contract H1N1 before I leave or my traveling companion or a family member contracts it, can I get back my nonrefundable deposits. The answer is, generally yes, if you can provide documentation of the illness.

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. For this situation, a no is what you will get. What insurance companies are insuring with their standard policies are unpredictable events and in no way are they insuring a state of mind with these. 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 is how this arrangement works. There are times when you might cancel a trip because of illnesses and even job loss and when this happens you will be covered by a standard policy for any incurred losses. Considering a cancel for any reason rider, a lot of reasons other than these apply. For this particular situation, the trade off is the rider boosting the premium to reach around 4 percent to 8 percent of the trip’s cost with them only having to pay you less than 100 percent of your incurred losses for reasons outside the standard policy. And then there is a question related to the risks involved when you consider traveling to destinations where a US government agency has issued warnings or advice. 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.

If there is the elderly and some other family members at high risk, a pregnant companion, or women who contract the virus then as mentioned by the Center for Disease Control and Prevention will you be able to have your nonrefundable deposits reimbursed. The answer is, generally, no. The executive of the company said that a government warning is typically not a covered reason for trip cancellation.

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