Travel insurance covers terrorism and natural disaster
Many travel medical insurance plans include coverage for injuries and illness that effect from an Act of Terrorism. However, many of these plans also include conditions that canceled this benefit if a travel advisory has been issued.
Natural Disaster – Nature can cause disaster at any time, so Natural Disaster coverage is a good benefit to have in a travel medical insurance plan. For example, in the event of natural disaster (hurricane, flood, tornado, tsunami, etc.) both the Atlas Travel insurance plan and the Patriot Travel plan provide benefits if the member is displace from planned, paid accommodations due to migration from a forecasted disaster or following a disaster strike.
Additional considerations before travelling
Travel warnings and travel alerts are issued for many different circumstances and situations. Each should be properly evaluated and researched before allowing it to hinder or prevent your travel choices. Some things to consider are:
Identify whether or not the whole country is affected. Sometimes, the reasons for travel advisories are restricted to particular areas of a country while other regions are perfectly safe. Research the danger. Be sure to do research and estimate the danger and determine if the situation is improving or getting poorer. If, for example, the advisory is in answer to violence, find out where and what kind of violence is taking place. If the primary target of attacks are foreign tourist as different to civil unrest amongst locals, you may have more cause for concern.
Check travel advisories from multiple sources. For a more perfect viewpoint, check other government and organizational advisories to see what’s really happening in a country. Some advisories are said to be subjective to politics, so it’s a good idea to view more than a few sources before deciding on your travel plans.
Identify your safety net. Some countries do not have a successful embassy or their existence to properly support travellers if they experience problems. Confirm to see if your home country has the proper safety network in place if you need help. The Bureau of Consular Affairs in the US encourages the US citizens travelling to overseas to register in the Smart Traveler Enrollment Program (STEP). This program provides:
Notice of travel alerts and warnings regarding your destination countries.
Government informs travel advisories to let their citizens know about the safety alarm that may influence travel to a particular country or region. In the United States, these warnings are issued by the State Department.
Travel advisories are related to including terrorism, natural disasters, wars, health emergencies and outbreak of crime. Travel warnings may cover regions where a government does not have the facility to respond to the problems of citizens traveling there, for example, if the government doesn’t have an embassy in a particular country, or if the functioning of its embassy is in danger by local violence.
Many governments make a division between long and short term travel advisories. The U.S. State Department issue travel warning for existing problems while travel alerts cover short term issues. A travel advisory, not subjected how strongly worded cannot lawfully stop you from traveling to a particular place. After reading an advisory, it is up to you to make a decision whether to pay attention to or overlook the advice. While your government will try to help you if you run into trouble overseas, you will always be traveling at your own risk.
What if you decide to go anyway?
Every year, many tourists make a decision to visit certain countries in spite of their government’s warnings. If you choose to do the same, consider taking the following safety measures.
- Register yourself. Let your government know when and where you will be travelling so that you can be reached in an emergency. U.S. citizens can register themselves here; also Canadians can do so here. Other countries have related program.
- Check in. Leave a copy of your tour with family or friends at home so that they know where you’re believed to be and when. Stay in touch on a standard basis by email, phone or Skype.
- Keep an eye on the news. It can be interesting to take a complete break from the world when you’re on vacation, but if you’re in a place where circumstances are unbalanced, you have to keep yourself updated what’s happening by getting online, watching the news in your hotel room or picking up a local newspaper.
- Be prepared. Have a support plan in case something goes wrong. Find your home country’s embassy in the area you’ll be visiting and carry its contact information with you all times. But be alert of what the embassy and your home government can and cannot do.
- Protect yourself. Buy a travel insurance policy after reading carefully to see what is and isn’t covered. Consider getting a policy with a “cancel for any reason” option so you can back out of your trip without fine if you feel troubled. Do your research work; read up on the political or cultural situation of the region you’re visiting and know exactly which fear you might face.
Where to find travel warnings
Below are a few governments offering travel advisories.