Nepal Earthquake – All Position Statements

Official position statements from Squaremouth’s travel insurance providers on the Nepal Earthquake.

Allianz Global Assistance

The earthquake in Nepal has affected many residents and visitors and our thoughts go out to those who have been impacted by this devastating event. Allianz Global Assistance has fully staffed its Travel Operations Center and is currently assisting customers who are changing their travel plans, need travel assistance or would like to file a claim. As always, our primary concern is for the safety and well-being of our customers and we urge any customer who needs help to call us. We are here 24/7/365 to answer questions and provide travel assistance.

Allianz Travel Insurance customers should remember these important tips: 

Customers should contact their travel provider prior to canceling their travel arrangements. Airlines and other travel suppliers may allow customers to change their dates of travel without fees and penalties. If the customer’s travel supplier allows them to change the dates of their trip, they may also change the dates on their travel insurance policy by visiting AllianzTravelInsurance.com or by calling the phone number on their certificate of insurance. While traveling, customers should take their travel insurance card with them. It includes their policy number and our toll free travel assistance phone number. Customers should also review their Letter of Confirmation and Certificate of Insurance/Policy to learn details about their coverage.

These coverage benefits may apply during an earthquake: The earthquake in Nepal became a known event on Saturday, April 25, 2015. Customers who purchased their travel insurance policy prior to that date, may be eligible for the following benefits:

If the customer’s Letter of Confirmation lists Trip Cancellation and/or Trip Interruption as benefits, customers may qualify for these benefits if their travel supplier experiences a complete cessation of services for 24 or more consecutive hours due to a natural disaster. They may also qualify if their destination becomes uninhabitable, if their policy includes that covered reason.

If the customer’s Letter of Confirmation lists Travel Delay as a benefit, they may be eligible to receive reimbursement for additional out of pocket transportation, lodging or meal expenses incurred as a result of a delay by their common carrier of six or more consecutive hours (please note: this benefit has a per person, per day maximum as well as a policy maximum). Some policies also provide coverage for pre-paid, non-refundable expenses lost due to the Travel Delay and may allow customers to cancel or interrupt their trip if their delay causes them to miss more than 50% of their scheduled trip.

In addition, coverage for Missed Connections and Delayed/Damaged/Lost Baggage may be available.

Customers should consult their policy for more information and to understand the important terms, conditions and exclusions that may impact their coverage during a natural disaster.


Air Ambulance
It always brings us great sadness to hear of international tragedies like this. We are proud to say that if one of our members were injured in this tragedy or a similar tragedy, we would make all arrangements to transport them back home to the U.S. or Canada to the hospital of their choice. In the heartbreaking event of a fatality, Air Ambulance Card would properly transport the mortal remains to the deceased’s family.  Keeping our members safe is our number one priority, regardless of the circumstances.

Azimuth Risk Solutions
Recently the world was shocked with the sudden and terrifying earthquake centered at or near Kathmandu, Nepal. Azimuth Risk Solutions regrets the tremendous suffering and loss of life. Our prayers are with the residents of this region and their families. Some Azimuth Risk Solutions policies contain certain coverage provisions for injuries that occur during your policy period while you are traveling outside your home country. Please review your policy carefully for details of this coverage. If you have questions, please feel free to contact your broker or Azimuth Risk Solutions.

Additionally, some individuals have elected to make a donation to victims of this disaster. Should you desire to make a donation please contact your local Red Cross or Red Crescent.

GeoBlue
On Saturday, April 25th, an earthquake measuring 7.8 on the Richter scale struck Nepal. While the damage is still being assessed, thousands of people have been killed or injured. GeoBlue expats in the area who would like to talk to someone from our EAP counseling service should contact us via phone or email.

More information is available here: https://www.geobluetravelinsurance.com/events/nepal_earthquake_info.cfm

HCC
HCC Medical Insurance Services’ thoughts are with the people of Nepal following yesterday’s devastating earthquake. As the horrifying numbers continue to come in of the Nepalese and foreign visitors lost to the natural disaster, we are reminded how important it is to obtain international travel medical coverage when travelling outside your home country. HCC’s Atlas Series includes coverage for injuries resulting from natural disasters, and also includes an additional daily benefit to assist with boarding following displacement from paid accommodations due to a natural disaster. Despite this coverage, travelers are urged to heed any travel and severe weather warnings. For information on international travel medical coverage from HCCMIS please contact Squaremouth.com. For information on donating to the relief effort in Nepal, please contact the Mercy Corps at www.mercycorps.org.

HTH Travel Insurance
On Saturday, April 25th, an earthquake measuring 7.8 on the Richter scale struck Nepal. While the damage is still being assessed, thousands of people have been killed or injured.

More information is available here: https://www.hthtravelinsurance.com/events/nepal_earthquake_info.cfm

Tin Leg
On Saturday, April 25th, a 7.8-magnitude earthquake occurred in Nepal, sending tremors through India, Bangladesh, Tibet, and on Mount Everest.

All Tin Leg policies offer Trip Cancellation and Trip Interruption coverage for earthquakes under the Hurricane and Weather benefits.

As of April 25th, the earthquake is no longer considered an unforeseen event. Coverage related to the Nepal Earthquake is not available for policies purchased after this date.  Policies purchased prior to April 25th may have coverage for the earthquake.

In order for an event to be covered under Tin Leg policies, it must meet the following requirements:

  • Occur after the policy is purchased
  • Result in the complete cessation of travel services at the point of departure or destination for the below specified amounts of time:
    • Tin Leg Economy policy: 48 consecutive hours
    • Tin Leg Standard policy: 24 consecutive hours
    • Tin Leg Luxury policy: 12 consecutive hours
  • Accommodations at a destination are made uninhabitable
  • You and/or your traveling companion have your principal place of residence made uninhabitable by Natural Disaster
  • Reimbursement for meals, accommodations, local transportation, an economy fare ticket to resume your trip, or return to your original destination when delayed en route to or from your a covered trip for the below specified amounts of time:
    • Tin Leg Economy policy: 12 consecutive hours
    • Tin Leg Standard policy: 12 consecutive hours
    • Tin Leg Luxury policy: 6 consecutive hours

Please contact Tin Leg with any questions at 844-240-1233, we are delighted to answer any additional questions.

Travelex

Thousands of people have been impacted by the earthquake in Nepal. As always, our primary concern is for the safety and well-being of our customers and we urge any customer who needs assistance to contact Travelex’s Travel Assistance Provider* for assistance with making travel arrangements.

For travelers inquiring about purchasing a Travelex protection plan after April 25, 2015, coverage will not be afforded as the current events are considered foreseen. For travelers who have purchased a Travelex protection plan on or before April 25, 2015 and incurred unforeseeable loss due to the earthquake in Nepal, coverage may be considered provided the traveler meets policy requirements.

The policy benefits (or “coverages”) conditions, limitations, and exclusions identified below may be relevant. These benefits, conditions, limitations, and exclusions are not meant to represent every term in the policy that is or may be impacted by this event. For more detailed summary of the benefits, conditions, limitations and exclusions, please review the Description of Coverage.

24 Hour Emergency Travel Assistance Services*
• Travelers may receive assistance ranging from emergency travel arrangements and money transfers to message relay services. For emergencies or travel assistance, please call On Call International at:
• Toll Free: 1-855-892-6495 (US or Canada) • Collect: 603-328-1373 (all other countries)

Policy Transfer Options
• If the Travel Supplier is able to re-accommodate the traveler for new travel dates or a new destination please contact our Customer Service team at 1-800-819-9004 to determine your policy transfer options.

Travelex provides all the tools you need to manage your insurance plan online. For expedited service, go to the Plan Holders tab on our website to file a claim, request plan documents or make a plan change.

NOTE: Please review your Description of Coverage for a summary of plan benefits that may or may not apply based upon your product purchased.

Trawick International
Trawick’s Safe Travel policies contain several ways in which we may provide assistance to our valued clients:

Medical / Injuries / Evacuation up to the maximum stated on the policy.

Evacuation for non-medical reasons – Maximum Coverage $25,000  – Any clients in Nepal that need to make alternative arrangements to get out will be covered under this benefit – Pay and Claim only.

Repatriation of Remains to their home country up to $1,000,000 on most plans.

Cancellation and Interruption-  For those who purchased this coverage to go to Nepal PRIOR to the Earthquake they would have a claim for non-refundable expenses to the maximums in their policy if they need to cancel.  Any client currently on a tour where Nepal is listed on their itinerary, will have to pay fees and charges to rebook their flights home early.  Those costs are eligible expenses and can be claimed.  Please note:  If  a client decides to extend their trip in another city we are not responsible for those costs.

Airlines should be waiving the penalties for changes/Hotels should waive the cancelation fees as well.

Please contact GBG Assist if you need help with a claim form or to ask if  your situation is covered.


The following travel insurance providers have not released an official position statement on the Nepal Earthquake as of April 29th, 2015.

APRIL Travel Protection

CSA

HCC Medical Insurance Services

InsureandGo USA

MedjetAssist

MH Ross

Protect Your Bubble

RoamRight

Seven Corners

Travel Insured International

TravelSafe

USA-Assist


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