Political disorder is not normally 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.
Most policies don't include cancellation and/or interruption coverage for civil unrest; however, there are a few exceptions. Remember to read your policy carefully, because some policies can cover your expenses if your travels are delayed due to political unrest.
Carol Pucci, a travel writer for the Seattle Times, explains that travelers who want the extra protection from civil uprisings have a couple of options, including "Cancel for Any Reason" policies. However, these policies are pricey, normally tacking on 50 percent or more to the cost of a trip with a reimbursement of only 50 to 75 percent of your prepaid travel costs. Thats pretty pricey, especially when you consider standard insurance usually only adds 8 percent or less to the cost of your travels.
A better option for travelers looking for civil disorder 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, noting that coverage relating to Egypt's protest is no longer offered, because the company views the country's unrest as a "foreseeable event."
Do you have any advice for travel insurance or how to navigate a political uprising? If so, please leave your tips in the comments below.
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.
Most policies don't include cancellation and/or interruption coverage for civil unrest; however, there are a few exceptions. Remember to read your policy carefully, because some policies can cover your expenses if your travels are delayed due to political unrest.
Carol Pucci, a travel writer for the Seattle Times, explains that travelers who want the extra protection from civil uprisings have a couple of options, including "Cancel for Any Reason" policies. However, these policies are pricey, normally tacking on 50 percent or more to the cost of a trip with a reimbursement of only 50 to 75 percent of your prepaid travel costs. Thats pretty pricey, especially when you consider standard insurance usually only adds 8 percent or less to the cost of your travels.
A better option for travelers looking for civil disorder 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, noting that coverage relating to Egypt's protest is no longer offered, because the company views the country's unrest as a "foreseeable event."
Do you have any advice for travel insurance or how to navigate a political uprising? If so, please leave your tips in the comments below.
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Want more information about cheap tips for backpacking Europe, then visit Randy Kalp's travel site, beersandbeans.com for money saving tips on camping in France and America.
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