Government Shut Down – Travel Delays and Missed Flights

January 15th, 2019

At, 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 caused by the Government shut down that results in not getting through the lines in time to get to my flight?”

The bottom line is that travel insurance probably won’t provide much help for missed flights or delays  due to long TSA lines.  Why?  Because coverages that are designed to insure the value of your trip, such as trip cancellation/interruption, travel delays and missed connections, are named “peril coverages,” and long lines are not considered perilous.

“Named peril” is an insurance term which means that only those specific reasons listed in the policy for are covered. 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 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 especially what is not covered as well.


Travel 101 – read this before you buy trip insurance

September 18th, 2017

Last week, Budget Travel, published an article listing some critical things to consider before buying travel insurance.  The article was written by Daniel Bortz and contains some very helpful information to consider before purchasing travel insurance.  I recommend reading it at .

War and Travel Insurance – What a traveler needs to know.

April 19th, 2017

Sabers are being rattled on the Korean peninsula and travelers are calling about coverage in case they have to cancel due to a war or an act or threat of war.   Does travel insurance provide coverage.  Probably not unless the traveler buys “cancel for any reason” coverage(CFAR).

Why doesn’t traditional travel insurance provide coverage?  The main reason is that most travel insurance policies have a general exclusion that eliminates coverage if cause by war or any act of war or civil commotion.   Because of this exclusion, basic travel insurance won’t provide coverage however, those plans with CFAR coverage at least provide partial coverage for cancellations.  Simply put, CFAR coverage provides benefits if you have to cancel a trip for a reason that is not otherwise covered either because it isn’t a covered reason or because it’s specifically excluded – such as cancellations caused by war.

“Cancel for any reason” coverage is found on some plans either built into the basic plans or available as an option that can be added to a basic policy.    As a general rule, in order to be eligible for CFAR coverage you must purchase the coverage within a short period of time following your first payment date and you must insure you trip to value.  Plans usually have a 25% copay and a black out period of 48 hours prior to departure where cancellation caused by a non-covered reason will not be covered.

CFAR isn’t for everyone but if a traveler is concerned about the potential for war than it is their only alternative.

Beware of common travel insurance misconceptions

September 20th, 2016

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.

CNBC – Street Signs How Terrorism Impacts Travel Insurance

August 23rd, 2016

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

For more specific information about terrorism coverage visit our Buyers Guide terrorism page.