RSSTravel Insurance Tips for Civil Uprisings
Apr 24
Civil and political unrest is not usually covered under standard travel insurance.
For Egyptian travelers this news has come to late, and I am sorry about that. Trust me, I understand how bad it sucks to have to be the example from which others learn. So, in order to empower other travelers who use insurance, I decided to get the word out about travel insurance as it relates to civil and political upheavals.
While most policies do not include cancellation and/or interruption coverage for civil unrest, there are a few exceptions. It’s also important to read your policy carefully, because some insurances cover expenses if you are delayed as a result of an uprising; though, very few let you cancel your trip because of a country’s instability (terrorist attacks are generally an exclusion to this rule).
In a recent story for the Seattle Times, travel columnist Carol Pucci points out that travelers who want additional coverage have a couple of options, including “Cancel for Any Reason” insurance policies, which provide coverage for civil disorder at a higher price. For example, Pucci says standard travel insurance adds “4 to 8 percent to cost of the trip.” However, “Cancel for Any Reason” policies can tack on up to 50 percent or more, and only reimburse your prepaid travel costs up to 50 to 75 percent, which may not be feasible for yearly travel insurance or the budget backpacker.
A more budget-friendly option for travelers looking for political upheaval coverage may be the American Express Global Travel Shield classic plan. “It’s coverage, broader than most companies offer, is something to consider for trips to other destinations,” Pucci explains, adding that the policies coverage relating to Egypt’s protest is no longer offered, because the company views the country’s unrest as a “foreseeable event.”
Have your travels ever been cut short or canceled due to a political uprising? If so, or if you have any tips for travel insurance or navigating civil disorders, we’d love to hear your tales in the comments below.
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