Wednesday, June 22, 2022

Does Travel Insurance Cover Typhoon

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Going Home Early Because Your Destination Has Become Uninhabitable While You Are There

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It could be a scary situation to be on vacation when a dangerous storm rolls through. A travel insurance plan could provide coverage for trip interruption because your accommodations have become uninhabitable during the storm. You might also want to look for a plan that will help cover some of the cost for a mandatory evacuation should a storm strike while you are already at your destination.

These are a handful of reasons travelers have found travel insurance to be helpful in recouping lost travel expenses. If you are traveling and think you may be able to be reimbursed for unexpected expenses due to bad weather changing your travel plans, keep your receipts and document everything. Call your travel insurance company and any travel suppliers that may be affected by the change as soon as possible. All of this will help minimize potential slowdowns during a claims process.

What If A Hurricane Destroys My Destination

Shortly before you leave for your honeymoon in Saint Lucia, a hurricane hits. The resort is in shambles: There’s a hole in the hotel’s roof and no running water. If you purchased travel insurance before the hurricane was named, can you be covered if you cancel the trip?

If your destination is uninhabitable because of a natural disaster, Allianz Global Assistances travel insurance considers that a covered reason for trip cancellation or interruption. “Uninhabitable” means there has been enough damage to make a reasonable person find their accommodation unfit for use.

This definition can’t be stretched to include minor inconveniences. If the golf course is closed because of storm damage, or if the resort places you in a garden-view suite because the oceanfront rooms aren’t habitable, that’s not sufficient reason for cancellation. Check your Certificate of Insurance/Policy to see if pre-emptive evacuations ordered by local authorities are covered.

Final Thoughts On The Philippines Travel Insurance

And now, you can breathe a big sigh of relief! Thats a wrap on travel insurance in The Philippines. Hopefully, our guide has answered any burning questions you might have. Also, if you were thinking the nation is dangerous, we hope our insight has put it all into perspective.

Dont forget to check out the rest of our content on this Southeast Asian gem. We have guides on where to stay, awesome things to do, and the best islands to visit. Safe travels!

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Got More Questions To Ask Contact Us Today

We understand how frustrating it is for car owners to see their beloved automobiles damaged, or even wrecked. Naturally, you must be eager to seek professional advice on what to do next. If thatâs the case, look no further! Kwiksure is an independent insurance broker with over 18 years of experience. Our team of experts can leverage their in-depth knowledge of the industry and offer you impartial advice. Contact us today and get a free quotation or plan comparison!

The above information is for reference only. Kwiksure takes no responsibility for the accuracy and timeliness of the information. For the coverage, mode of compensation, benefit limit and premium levels of any specific insurance plan, please refer to the relevant policy terms.

Noaa Hurricane Warnings & Alerts: How They Affect Your Travel Insurance Coverage

Deadly typhoon Koppu hits northern part of Philippines ...

The National Hurricane Center periodically issues advisories and warnings for hurricanes around the world. Some travel insurance plans will provide specific coverage if the NOAA issues a hurricane warning for your destination, while other travel insurance plans have general coverage for severe weather that affects a trip.

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Do I Need Extra Fire Policy For My House

In case of fire, a home policy also covers the costs related to relocating and additional living expenses if the damage to the house is too high. However, what this policy doesnt cover is the liability in case someone gets hurt or is dead during a fire on your premises.

Fire and extra perils insurance can also extend the coverage to other perils such as an earthquake, flood, landslides, and even explosions.

Its also good to know that there are two major exclusions to fire coverage under home insurance policies. One of them is arson – a fire deliberately set by the owner. In such case, there will be no coverage, and that case can land in court, as arson is insurance fraud.

Another exclusion to a regular fire coverage is a fire in a vacant home. If the insurance company can prove that at the time of the fire, the house was empty for at least 30 consecutive days, it has the right to deny coverage. If you are a landlord, and sometimes find yourself in a situation where your premises are not occupied for more than 30 days in a row, you should consider adding this coverage to your standard policy, for ultimate peace of mind.

Does Travel Insurance Cover Itinerary Changes

Your cruise line informs you that it’ll be changing the itinerary to skip San Juan instead, you’ll be making port in the Dominican Republic. You’re bummed. You’ve been to La Romana before and you don’t really want to go back. Will travel insurance cover you if you cancel the trip?

No. If a hurricane causes a cruise line or tour operator to offer an alternate itinerary whether a different destination or different dates you must accept the change. Travel insurance is designed to protect you from financial loss, and if the substitute itinerary is the same value as your original trip, you haven’t suffered a loss.

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This Years Atlantic Hurricane Season Is Predicted To Be More Active Than Has Been Seen In Recent Times But What Does This Mean For Travel And The Insurers That Have To Cover The Cost Of Cancellation And Evacuation Jeremy Murchland Seven Corners President Analyses The North American Industrys Exposure

Summertime, fall break and the beginning of the holiday season can be popular times to book travel plans. But, with any travel, it is important to look at the risks and pay attention to weather or events that could impact a trip. An important aspect to focus on during these popular travel times is hurricane season, especially with this years season expected to be more active than previous seasons.

The Atlantic hurricane season runs from 1 June to 30 November. Forecasters from The Weather Company predict a 60-per-cent chance for an above-average hurricane season this year. This increase translates to six to 10 hurricanes expected, with three to five of them being major. The uptick in hurricane activity stems from multiple factors, including the Atlantic Oceans surface temperatures, La Niña and other atmospheric conditions. 2021 is not the first year for above-average hurricane activity, according to the National Oceanic and Atmospheric Administration: 2020 was also a historically active year. And while the number of hurricanes is still expected to be above average, the number we see this year is not expected to exceed last year.

What Is The Best Philippines Travel Insurance

Does travel insurance cover a coronavirus-related cancellation?

Whilst they may all seem the same, not all insurers are. Some insurers offer lower prices than others and others offer higher coverage amounts. Some are infamous for not paying claims whilst others are celebrated for being fair and helpful.

Travel insurers always the same yet always different. It isnt possible for us to say that any one of them is the best, or is better than the others. No. Insurance is a very complex product and any policy takes into account a whole lot of data and a wide set of variables.

Remember that the best travel insurance always depends on where you are going, when you are going there and ultimately upon you and your needs. The best travel insurer for one trip, may not be the best for a different trip.

Below, we will introduce a few of the many travel insurance providers on offer. These are all firms we have used ourselves over the years.

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How Are Home And Contents Insurance Premiums Calculated

Calculating premiums for house insurance, or the buildings insurance, is relatively simple. Premiums are calculated based on the market value of the house/apartment, and that becomes the total insured sum. With the contents insurance, however, estimating the total costs of the house contents can be a bit trickier, as in general, it is harder to do it on your own. In many cases, a broker or the insurance company will help you with that.

Know What You’re Buying

Carefully research your needs. Verify the terms, conditions, limitations, exclusions and requirements of your insurance policy before you leave Canada.

When assessing a travel health insurance plan, you should ask a lot of questions.

  • Is there a deductible, and how much is it? Plans with 100-percent coverage are more expensive but may save money in the long run.
  • Does the plan provide continuous coverage for the length of your stay abroad and after you return?
  • Does the plan exclude or greatly limit coverage for certain regions or countries you may visit?
  • Does it offer coverage that is renewable from abroad and for the maximum period of stay?
  • Does the company have an in-house, worldwide, 24-hour/7-day emergency contact number in English and/or translation services for health care providers in your destination country?
  • Does it pay for hospitalization for illness or injury and related medical costs at your destination?
  • Does it pay your bills or cash advances up front, so you dont have to pay them?

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Hurricane Season: Travel Insurance To Consider

The number one concern of summer travelers researching travel insurance is how their trip will be affected by hurricanes or other severe weather events. When traveling during the Atlantic hurricane season, June 1st to November 30th, you must plan for unexpected weather patterns.

If you read nothing else in this article, although all of it is important and we highly recommend you keep reading, know this: purchasing your travel insurance plan prior to a storm being named should provide you coverage for travel concerns that arise due to that storm. If a hurricane or tropical storm that affects your trip is predicted before you purchase a plan, your coverage may be extremely limited.

Typhoon’s Spinning Up Is Your Car Covered

What does travel insurance cover?

Anyone who has lived in this city for more than a year is well aware of the yearly typhoon season which sees powerful storms that bring torrential rains, wind, and, in some cases, vast destruction. While Taiwan and Philippines usually bear the brunt of most typhoons, a few a year seem to gather speed as they come across the South China Sea towards the mainland and Hong Kong. When they threaten to hit Hong Kong, we see the all too familiar typhoon warnings spring up around the city, with kids and office workers alike crossing their fingers for the almighty T8 warning. While a T8 is great for those who want a bit of extra time off, Kwiksure does get a number of questions when a typhoon warning is sounded from motorists wondering whether their car insurance will still be valid during a typhoon.

In this article we take a look at how car insurance works during a typhoon and provide some tips to ensure consistent coverage.

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Worldwide Protection Of Personal Belongings

Your family members and you can also be protected overseas. Wherever you travel, your personal belongings or valuables that you carry are protected against loss or damage at no additional cost.

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Protecting Your Car From A Typhoon

Here are our top six things you should do to ensure your car is protected during a typhoon.

  • Don’t park in flood and landslide-prone areas – This should go without saying, but we have seen cases where clients parked their vehicles close to a pier or flood-prone area during a typhoon, only to have their vehicles damaged. The same goes for parking in an area known to have seen landslides during typhoons in the past. When they submitted a claim, the insurer then refused to payout on the claim, stating that the owner put the vehicle in risk, which breached the plan’s terms and conditions.

  • If you are going to park outside, ensure the vehicle is prepared – What we mean by this is take a few minutes to ensure that all of your windows and doors are properly closed. Also, don’t forget to check the sunroof if you have one. Beyond that, having a super heavy-duty cover for your vehicle that can be easily secured could also help repel any water. Just be sure the cover is fastened securely with no areas exposed that can catch the wind.

  • Avoid parking below ground if possible –This is especially important if your apartment of office tower has a parking garage that is below the water table . While insurers will usually accept claims should the garage flood, this could be avoided by trying not to park on the lowest level of the garage.

  • If you have any questions regarding typhoons and your car insurance coverage, contact us today to learn more.

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    Contents Stored In Certain Parts Of Your Home Might Not Be Covered

    When it comes to homeowners insurance many policies will actually exclude losses of contents that are stored outdoors. For example, if you store a BBQ or washing machine on your deck, porch, rooftop patio, etc. and it is blown away during a typhoon your plan will likely not cover its loss.

    It is also worth noting here that some property insurance policies will not cover outdoor fixtures. As with everything else here, it would be beneficial to review your policy documents to ensure you know what is excluded.

    Is My Vacation Destination Safe From A Hurricane

    BBB: Travel insurance

    Atlantic hurricanes can put a damper on vacations to a variety of places. They usually start in the Caribbean, power through toward the Bahamas and then hit the United States. Many storms have smacked into Florida, Louisiana, Alabama and Texas. But anywhere along the East Coast is fair game.

    Hurricanes have affected northern destinations such as Cape Hatteras, North Carolina New York and New Jersey places in New England and even Canada.

    When it comes to the Caribbean, hurricanes are normally stronger in the Eastern Caribbean than points south. If youre traveling to the Eastern Caribbean from the middle of August to the middle of September, beware. That is peak hurricane season for that area. The Western Caribbean tends to see more storms from mid-September through early November.

    Just remember that most travel insurance policies dont cover trip cancellation if you decide to preemptively cancel your trip because the weather forecast looks dismal. In most cases, the storm would need to be named and you would have had to purchase your insurance before the storm got to named status.

    If youre very worried about the possibility of bad weather ruining your trip, buy the cancel for any reason add-on for your insurance policy. While this can be expensive, it might be right for your situation. You can compare trip insurance prices with and without the CFAR add-on at portals such as InsureMyTrip or SquareMouth.

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    Hurricanes And Limitation Of Airline Cancellation Policies

    Flight cancellation policies vary by airline and circumstance. When an airline cancels a flight due to bad weather, most will try to rebook passengers on the next available flight. Airlines are not required to reimburse travelers for losses incurred as a result of a canceled flight due to weather. Travelers concerned about protecting pre-paid, non-refundable trip expenses should buy travel insurance.

    Hurricane Before The Trip

    To get any due to the hurricane, it must be listed as a covered reason for the trip cancellation.

    Travel insurance will refund your prepaid, nonrefundable trip expenses if you have to cancel before your scheduled departure date due to the hurricane.

    The common reasons for coverage are:

    • The travel provider suspends services for 24 hours or more
    • The insured’s primary home or destination becomes uninhabitable
    • The trip is made impossible due to extensive travel delays

    In the above reasons, “uninhabitable” means substantial damage to the accommodation that would make it unfit for use by a reasonable person. However, if you are just going to face minor inconveniences such as getting a city/garden view instead of an oceanfront view or the golf course being closed due to rain, travel insurance will not provide any coverage.

    If your travel provider has not, for example, canceled your cruise, but there may be cloudy weather or rain that would make your trip less enjoyable, there is no coverage.

    If the cruise line or tour operator changes the itinerary to avoid the path of the hurricane, and if you want to cancel the trip due to that reason, there is no coverage. For the travel-insurance company to reimburse you, you must incur a financial loss, and as long as the travel supplier provides you with a substitute itinerary with the same value as the original trip, you must accept it, and you have not suffered a loss.

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