Interesting article that appeared online at U.S. News & World Report. Makes for a good read about things to think of when buying travel insurance. I enjoyed being interviewed for the article and seeing the final result. The author, Liz Weiss, has done a great job with a difficult subject.
Yesterday, I was interviewed by the CNBC news show, Street Signs, concerning the impact of terrorism on travel insurance. You can view the interview at http://video.cnbc.com/gallery/?video=3000545183.
For more specific information about terrorism coverage visit our Buyers Guide terrorism page.
This Saturday I was a guest on Rudy Maxa’s World where I answered questions about travel insurance and TSA delays. You can listen to my segment
or you can visit Rudy Maxa’s World site at: http://rudymaxa.com/podcasts/2016-2/ . If you haven’t seen Rudy on PBS TV or listen to him on radio that I strongly recommend making it a habit.
We’ve all seen the headlines:
- TSA Hell: passengers in Chicago miss flights due to lines
- TSA Turmoil
- Long TSA lines strands 450 fliers overnight
At QuoteWright.com, one of the most popular questions that travelers are currently asking is “What coverage do I have if I’m delayed by long TSA lines and my flight leaves without me?”
The bottom line is that travel insurance probably doesn’t cover a delay or missed flight due to long TSA lines. Why? Because coverage designed to insure your trip, such as trip cancellation/interruption, travel delays and missed connections, is named “peril coverage,” and long lines are not considered perilous.
“Named peril” is an insurance term that translates to the insurance company only covering those specific reasons listed in the policy for that coverage. Most plans will cover delays or missed connections due to “inclement weather,” causing common carrier delays, or, in some plans, “mechanical breakdown or strike.” However, none of the plans covers delays or missed connections due to TSA delays.
At QuoteWright.com we believe that an informed traveler is an empowered consumer. It is essential the traveler be told of not only what is covered by his/her policy, but essentially what is not covered as well.
Here at QuoteWright, we talk to a lot of clients who are traveling with others . Usually they are family members who might live in different parts of the country or to non-related companions.
You know what events you want to be covered for, but what about the rest of your traveling companions? What events are they concerned with? Would you travel without them if they had to cancel? Would they travel without you if you had to cancel?
Many plans allow you to cancel or interrupt your trip due to a covered reason stated on the policy that affects either you or your traveling companion or family members of either. A traveling companion is usually defined as someone whom you’ve made travel arrangements and intend to travel with. Remember though, the same exclusions that apply to you may also apply (for example, pre-existing medical conditions), to your traveling companions as well and maybe to their family members..
If either of the traveling parties would still travel without the other, then just pick the plan that best suits you. However, if travel is dependent on each other, than talk to your traveling companions and discuss your concerns. From there, you can move forward in choosing a plan that is best for you.
We’ve also found it to be good practice for all travelers to get the same policy. While you can get different plans that cover the same things, the circumstances that trigger those benefits might not be handled the same and you run into the complexity of dealing with multiple insurance companies. We usually advice client’s to “keep it simple” and buy plans from one company.