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France Christmas Market Attack

France Christmas Market Attack – Provider Position Statements

Last Updated:

Squaremouth’s travel insurance providers give their official position statements explaining coverage for the France Christmas market attack that occurred on December 11, 2018 in Strasbourg.

GeoBlue

According to local media sources on Tuesday, December 11th, the authorities have closed off both the RN5 exit and the A35 motorway in north and south Strasbourg due to ongoing police operations following a shooting incident in the city centre which killed at least four people and injured several others. Police forces have reportedly exchanged gunfire with the gunman on rue d’Epinal and a second operation involving another possible suspect is underway at Place Broglie. The gunman is still at large, and further disruptions are expected in the near term. Further information is awaited.

Members are advised to follow the advice of the local authorities and avoid the area due to the ongoing incident and those in the nearby vicinity are advised to stay indoors. Monitor local media for the latest developments on the situation and heed all directives issued by local authorities. In an active shooter situation, members should run as far as possible if safe to do so, or remain hidden behind solid cover.

What you need to know about your policy:

As of December 12th, the terrorist attack is no longer considered an unforeseen event. Coverage related to the event is not available for GeoBlue policies purchased after this date.

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

Trip Interruption coverage for Terrorist Attacks:

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.

In order for a terrorist attack 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.

  • 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 Terrorist Attacks:

In order for a terrorist attack 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 terrorist attack.

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 on Tuesday, December 11th, the authorities have closed off both the RN5 exit and the A35 motorway in north and south Strasbourg due to ongoing police operations following a shooting incident in the city centre which killed at least four people and injured several others. Police forces have reportedly exchanged gunfire with the gunman on rue d’Epinal and a second operation involving another possible suspect is underway at Place Broglie. The gunman is still at large, and further disruptions are expected in the near term. Further information is awaited.

Members are advised to follow the advice of the local authorities and avoid the area due to the ongoing incident and those in the nearby vicinity are advised to stay indoors. Monitor local media for the latest developments on the situation and heed all directives issued by local authorities. In an active shooter situation, members should run as far as possible if safe to do so, or remain hidden behind solid cover.

What you need to know about your policy:

As of December 12th, the terrorist attack is no longer considered an unforeseen event. Coverage related to the terrorist attack is not available for HTH TripProtector policies purchased after this date.

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

Trip Cancellation and Trip Interruption coverage for Terrorist Attacks:

In order for a terrorist attack to be covered under TripProtector Classic or TripProtector Preferred policies, the event must occur after a policy has been purchased and meet at least one of the following requirements. The TripProtector Economy plan does not provide coverage for natural disasters.

  • Sickness, accidental injury or death of an insured person or an insured person’s family member or traveling companion.
  • Your destination accommodations are rendered uninhabitable.
  • You or a traveling companion were directly involved in a traffic accident substantiated by a police report, while en route to departure;
    You or a traveling companion being hijacked, quarantined, required to serve on a jury, subpoenaed, the victim of felonious assault during the trip; having residence made uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster; or burglary of your residence during the trip.
  • Death or hospitalization of your host at your destination.
  • The terrorist Incident occurs in a city listed on your trip itinerary and within thirty (30) days prior to your scheduled departure date. This same city must not have experienced a terrorist incident within the ninety (90) days prior to the terrorist incident that is causing the cancellation of your trip. Benefits are not provided if the Travel Supplier offers a substitute itinerary. This does not include flight connections or other transportation arrangements to reach your destination.

Baggage & Personal Effects Coverage for Terrorist Attacks:

In order for a terrorist attack 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 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 HTH Worldwide.

Travel Delay coverage for Terrorist Attacks:

In order for a terrorist attack 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 terrorist attack.

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.

iTravelInsured

International Medical Group® (IMG®) offers our condolences to the people affected by the act of terrorism in Strasbourg, France which killed at least five people and injured many others on Tuesday, December 11, 2018.

IMG members who purchased a travel protection plan may receive trip cancellation, trip interruption, or missed connection benefits if their travel plans were or are affected by this event.

With reference to coverage under IMG’s iTravelInsured® Lite, SE, and LX plans:

  • Trip Cancellation: Can reimburse nonrefundable trip payments in the event of cancellation, up to the maximum benefit amount shown in the Schedule of Benefits, due to:
    • A Terrorist Incident that occurs in a city listed on the itinerary of the Insured’s Covered Trip and within 30 days prior to the Insured’s Scheduled Departure Date. This same city must not have experienced a Terrorist Incident within the 90 days prior to the Terrorist Incident that is causing the Insured’s cancellation of the Covered Trip. Benefits are not provided if the Travel Supplier offers a substitute itinerary;

All cancellations must be reported to the Travel Supplier within 72 hours of the event causing the need to cancel. If the event delays the reporting of the cancellation beyond the 72 hours, the event should be reported as soon as possible. Increased amounts of Published Penalties and unused non-refundable Prepaid Payments or Deposits that result from all other delays of reporting beyond 72 hours are not covered.

  • Trip Interruption: Benefits can be paid, up to the Maximum Benefit Amount, for the non-refundable, unused portion of the prepaid expenses for land or water Travel Arrangements and/or the additional transportation costs paid (less the value of the original unused return travel ticket) to transport the Insured to their originally scheduled return destination or to join or rejoin their Trip when an Insured must interrupt their trip due to:
    • a Terrorist Incident that occurs in a city listed on the itinerary of the Insured’s Covered Trip and within 30 days prior to the Insured’s Scheduled Departure Date. This same city must not have experienced a Terrorist Incident within the 90 days prior to the Terrorist Incident that is causing the Insured’s interruption of the Covered Trip. Benefits are not provided if the Travel Supplier offers a substitute itinerary;

In addition, benefits provided under IMG’s iTravelInsured SE and LX plans include:

  • Missed Connection: If an Insured misses their cruise or tour departure because they are delayed 6 or more hours due to:
    • a) any delay of a Common Carrier. The delay must be certified by the Common Carrier;
    • b) documented weather condition preventing the Insured from getting to the point of departure;
    • c) quarantine, hijacking, Strike, natural disaster, terrorism or riot;

Benefits can be paid, up to the maximum benefit amount shown in the Schedule of Benefits. The Missed Connection benefit can cover the Insured’s additional transportation cost to join their trip, the insured’s prepaid expenses for their unused land or water travel arrangements, and reasonable accommodation and meal expenses (subject to a daily limit), which (i.) are necessarily incurred by the Insured, (ii.) for which the Insured has proof of purchase and (iii.) which were not paid for or provided by any other source. Reimbursement for all items is subject to the terms, conditions, exclusions and limitations of the plan.

Other benefits may also be available depending on the type of coverage purchased and the specific circumstances of the loss. Please refer to the plan document for complete terms and conditions of coverage.

In event of a claim please contact us at:
iTravelInsured Claims Department
P.O. Box 88503
Indianapolis, IN 46208-0500
Telephone: 1.866.243.7524 or 1.317.655.9798
Fax: 1.317.655.4505
E-mail: itravelclaims@itravelinsured.com

For general inquiries please contact us at:
iTravelInsured Agency Services
P.O. Box 88509
Indianapolis, IN 46208-0509
Telephone: 1.866.347.6673 or 1.317.655.9796
Fax: 1.317.655.4505
E-mail: service@itravelinsured.com

Insurance benefits contained within the travel protection plans described above are underwritten by the United States Fire Insurance Company. C&F and Crum & Forster are registered trademarks of United State Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2018.

MedjetAssist

Medjet is aware of the recent incident in Strasbourg, France, and is monitoring the situation. No action is being taken at this time. We remind all MedjetAssist Members who may be affected that the Medical Emergency number at Medjet is +1.205.595.6626 worldwide (collect). For MedjetHorizon Members, we remind them that the number for Security and Crisis Response is +1.619.717.8549 worldwide (collect). We also advise Medjet members, who may be in or traveling to France, that France is currently under an elevated security threat level status (“emergency attack”), and to make sure their family and emergency contact information is updated in our system. Member Services can be reached by calling +1.205.595.6626 worldwide (collect) or 1.800.527.7478 (US & Canada).

Tin Leg

On December 11, 2018, a gunman killed 3 people and injured more than 10 others at a Christmas market in Strasbourg, France.

What you need to know about your policy:
As of December 11, the attack has been declared an act of terrorism, meaning Tin Leg policyholders may be covered for losses related to the attack.

There may be coverage for Tin Leg Standard or Luxury customers to cancel or interrupt their trip. In order to be eligible for covered, a Standard or Luxury policy must have been purchased prior to December 11. Tin Leg Economy policyholders do not have coverage for terrorist incidents.

Trip Cancellation and Trip Interruption Coverage for Terrorism:
In order for an event to be covered under the Tin Leg Standard or Luxury policies, it must occur on or after your policy’s effective date and must be deemed an act of terrorism by the U.S. government. It also must occur within 30 days of your departure date and meet the following requirements:

  • The incident must be in connection to an organization that has the intent to overthrow or influence the government
  • The incident must not be an act of war
  • The incident must result in loss of life or major damage to property

In addition to Trip Cancellation and Trip Interruption coverage, other benefits, including Trip Delay, Emergency Medical, and Medical Evacuation, may also be available for coverage related to this event.

In the event of an emergency, please contact Tin Legs 24-hour Emergency Assistance department as soon as reasonably possible at:

  • Emergency Assistance Inside US: 844-927-9265 (Toll Free)
  • Emergency Assistance Outside US (Collect Call): 001-727-264-5657
  • Emergency Assistance Email: emergency@tinleg.com

In the event of a claim, please contact Tin Leg’s Claims department at 844-240-1233 or claims@tinleg.com.
Start your claim online: https://www.tinleg.com/report-claim/

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

Travel Insured International

Travel Insured International has determined that the Strasbourg attack on December 11, 2018 was an act of terrorism and confirms to travelers that coverage against terrorist attacks may be included in plans purchased under the company’s Worldwide Trip Protector brand including Worldwide Trip Protector Plus, Worldwide Trip Protector, and Worldwide Trip Protector Lite.

Travel Insured plan holders who purchased coverage on or before December 10, 2018, and whose itineraries include Strasbourg may be eligible for Terrorism coverage within the Trip Cancellation, Trip Interruption or Travel Delay benefits.

The plans provide Trip Cancellation or Trip Interruption coverage when a terrorist attack occurs within a city listed on the insured’s travel itinerary and within 30 days of the insured’s scheduled departure date. To be eligible for coverage, an event must occur after the effective date of the insured traveler’s Trip Cancellation coverage and by definition must be deemed an act of terrorism by the U.S. Government. Travelers are reminded that they must purchase a plan to obtain the coverage before the terrorism attack is launched. Once an act of terrorism begins it is no longer unforeseen, and coverage is no longer available for plans purchased on or after the date when the attack was initiated.

For insured travelers who purchased Cancel for Any Reason coverage, we remind you that cancellations must be made 48 or more hours prior to your scheduled departure date and payment is limited to 75% of the non-refundable trip cost up to the stated plan maximum limit.

Every Travel Insured plan also includes Non-Insurance Emergency Travel Assistance Services available 24/7 to help travelers whenever they are in need of assistance during their trip.

Please refer to your actual plan document for the specific terms and conditions of the specific plan purchased as eligibility for coverage varies based upon the specific plan terms, conditions and limitations, and may vary by state or may not be available in all states. Travel Insured recommends travelers purchase proper travel protection plans in case of unforeseen circumstances and to know where to go and where not to go during their travels. Travelers should monitor information provided by the U.S. State Department.

At this time, we advise travelers to take enhanced precautions. Please contact us at 1-800-243-3174 with any questions you may have. We extend our deepest condolences to those who have been affected.