If you purchased travel insurance before the recent volcanic eruptions, your travel can be covered by the policy, as exclusions? . But if you're hoping to get travel insurance to protect you against any disruption related volcanoes in the future, you're probably out of luck - Scott McCartney Wall Street Journal reports that the April 13, he no ash more coverage. It is similar in principle why you can not call your agent to buy an insurance policy against flooding in the middle of a hurricane. The insurance covers unexpected events, not the events that are ongoing.
Now if you have ever had travel insurance, are you covered? That's a complex question because there is no insurance policy travel standards - they vary greatly. Whether or not you are covered will depend on the type of coverage you purchased, how much coverage you purchased, that the exclusions and specific practices of the company you purchased it. McCartney said:
Even if purchased before April 13, travel insurance may be of limited use for travelers. If companies reimburse tickets for canceled trips, for example, there is no claim from insurers. If you have not left home, you will not get money for hotels, resorts under most policies. And many policies have limits on daily expenses if you are stranded away from home.
He notes that even if you have a pre-paid stay, travel insurance often covers the rooms that are deemed "uninhabitable".
It is too early to estimate the number of passengers have been moved, but the final tally will no doubt enormous. Insurance companies say they are inundated with requests and pleas for help. An article in the New York Times tells us that travel insurers are looking for an event that will cost millions.
"While there may be exclusions, companies have typically covered nonrefundable prepaid travel that can pay stranded passengers $ 150 to $ 250 per day for a maximum of $ 1,500."
InsureMyTrip.com offers a brief note on volcanoes, airport closures, and travel insurance, as well as more clear on how insurers travel help stranded travelers.
More resources
the insurance information Institute offers an overview of different types of travel insurance before a blog featured a Quiz travel insurance See also CNN article:.. 6 tips to avoid insurance fraud Voyage
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