China Hong Kong Airport Protest

Hong Kong Airport Protests – Provider Position Statements

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Squaremouth’s travel insurance providers give their official position statements explaining coverage for the August 2019 protests at Hong Kong International Airport, which have caused the airport to cancel flights on multiple days.

Arch RoamRight

Arch RoamRight insureds whose travel plans are impacted due to cancellation of their flights should contact the Arch RoamRight claims department as benefits may be payable for Travel Delay or Missed Connection due to “any delay of Your Common Carrier.” Further, should a covered Travel Delay cause the insured to miss more than 50% of their trip, Trip Interruption coverage may apply.

Response provided above is intended as informational and to assist in understanding how coverage may apply. Claims will be adjudicated in accordance with the complete policy terms, conditions and exclusions in effect for the insured traveler.

GeoBlue

According to local media sources, airport officials ordered the cancellation of all flights out of Hong Kong International Airport (HKG) for the rest of the day on Monday afternoon, 12 August. The cancellations come after thousands of anti-government protesters gathered at the airport for a fourth straight day. The airports’ website shows all departures from around 1830hrs (1030 UTC) onwards as being cancelled. Inbound flights already in the air will reportedly be allowed to land, but any which had not departed will be delayed.

What you need to know about your policy:

GeoBlue policies purchased on or prior to August 12th may provide coverage related to the event, including Trip Interruption and Lost Baggage and Personal Effects benefits.

Trip Interruption coverage for Protests & Riots:
If you cannot continue your trip, we will pay for you or your traveling companion’s return home from your current location outside the United States.

For an event to be covered under GeoBlue policies, the event must occur after a Voyager Choice or Voyager Essential policy has been purchased and meet at least one of the following requirements. Trekker Choice and Trekker Essential policies do not have interruption coverage.

  • If you experience illness or injury which would cause a reasonable person to delay, cancel or interrupt their Trip, we will pay for additional transportation expenses needed to reach the scheduled termination point of Your trip or to travel from the place Your trip was interrupted to the place where You can rejoin your trip.
  • You are the victim of a felonious assault during your period of coverage and you no longer can complete Your trip, we will pay for you to return home from your current location outside of the United States.
  • Due to a terrorist event or an imminent threat to personal safety, which is documented by a U.S. State Department Travel Warning, we will pay for additional transportation expenses needed to reach the scheduled termination point of Your trip or to travel from the place Your trip was interrupted to the place where You can rejoin Your trip. In the event you cannot continue your trip, we will pay for your return home from your current location outside of the United States.

Baggage & Personal Effects Coverage for Protests & Riots:
For the HongKong Airport protest to be covered under the Baggage & Personal Effects benefit within GeoBlue policies, it must be a Voyager Choice or Voyager Essential plan and meet the following requirements. Coverage is secondary to any coverage provided by a Common Carrier. Trekker Choice and Trekker Essential policies do not have Baggage & Personal Effects coverage.

  • The baggage and personal effects must be owned by the insured person.
  • You must notify the appropriate local authorities at the place the loss occurred and inform them of the value and description of Your property within 24 hours after the loss.
  • You must file written proof of loss with the Company within 90 days from the date of loss, attaching copies of airline, cruise line or Common Carrier claims forms, original police reports, passport/visa reissuance receipts, an itemization and description of lost items and their estimated value, and all receipts, credit card statements, canceled checks, photos, or other appropriate documentation as may be required.
  • The baggage and personal effects must not be items which are specifically excluded by your insurance contract with GeoBlue.

In addition to Trip Interruption and Baggage & Personal Effects Coverage, other benefits, including Emergency Medical Evacuation, may also be available for coverage related to the Hong Kong Protest.

In the event of an emergency, please contact GeoBlue’s 24 Hour Emergency Assistance department as soon as reasonably possible at:
Emergency Assistance Inside U.S.: 800-257-4823 (Toll Free)
Emergency Assistance Outside U.S. (Collect Call): 610-254-8771
Emergency Assistance Email: globalhealth@geo-blue.com

In the event of a claim, please contact GeoBlue’s Claim department at claims@geo-blue.com. Alternatively, you may start your claim online through your Member Services account: https://geobluetravelinsurance.com/login/login.cfm 

This information is meant to be a summarized overview of benefits in GeoBlue Voyager and GeoBlue Trekker plans that can assist those in need due to this event. Please always refer to the plan documents for specific details. If you have any questions, please contact GeoBlue at 855-481-6647. Our agents are available 24 hours per day and are happy to help.

HTH Worldwide

According to local media sources, airport officials ordered the cancellation of all flights out of Hong Kong International Airport (HKG) for the rest of the day on Monday afternoon, 12 August. The cancellations come after thousands of anti-government protesters gathered at the airport for a fourth straight day. The airports’ website shows all departures from about 1830hrs (1030 UTC) onwards as being cancelled. Inbound flights already in the air will reportedly be allowed to land, but any not yet departed will be delayed.

As of August 12th, the Hong Kong Airport protest is no longer considered an unforeseen event. Coverage related to the protest is not available for HTH TripProtector policies purchased after this date.

HTH TripProtector policies purchased on or prior to August 12th may provide coverage related to the event, including Trip Delay benefits.

Baggage & Personal Effects Coverage for Protests & Riots:
For this event to be covered under the Baggage & Personal Effects benefit within HTH TripProtector policies, it must meet all of the following requirements. Coverage is secondary to any coverage provided by a Common Carrier. There will be a per article limit shown on the Confirmation of Coverage.

  • The baggage and personal effects must be owned by the insured person.
  • The police or other authority must be notified within twenty-four (24) hours in the event of theft.
  • You must file written proof of loss with the insurer within 90 days from the date of loss, attaching copies of airline, cruise line or common carrier claims forms, original police reports, passport/visa reissuance receipts, an itemization and description of lost items and their estimated value, and all receipts, credit card statements, canceled checks, photos, or other appropriate documentation as may be required.
  • The baggage and personal effects must not be items which are specifically excluded by your insurance contract with HTH Worldwide.

Travel Delay coverage for Protests & Riots:
For an event to be covered under the Trip Delay benefit within HTH TripProtector policies, it must meet the following requirements for minimum length of delay:

  • TripProtector Economy policy: 8 consecutive hours
  • TripProtector Classic policy: 6 consecutive hours
  • TripProtector Preferred policy: 6 consecutive hours

In addition to Trip Cancellation, Interruption and Baggage & Personal Effects Coverage, other benefits, including Emergency Medical Evacuation, may also be available for coverage related to the Hong Kong Airport protests.

In the event of an emergency, please contact HTH Worldwide’s 24-Hour Emergency Assistance department as soon as reasonably possible at:
Emergency Assistance Inside U.S.: 888-243-2358 (Toll Free)
Emergency Assistance Outside U.S. (Collect Call): 610-254-8771
Emergency Assistance Email: globalhealth@hthworldwide.com

In the event of a claim, please contact HTH Worldwide’s Claim department at 888-243-2358 or HTHclaims@hthworldwide.com

This information is meant to be a summarized overview of benefits in HTH TripProtector plans that can assist those in need due to this event. Please always refer to the plan documents for specific details. If you have any questions, please contact HTH Worldwide at 888-243-2358. Our agents are available 24 hours per day and are happy to help.

Travelex

The foreseeable date for this situation is August 5, the plans would’ve had to of been purchased prior to that date in order to be eligible for coverage.