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New Zealand Mosque Shootings

New Zealand Mosque Shootings – Provider Position Statements

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Squaremouth’s travel insurance providers give their official position statements explaining coverage for the New Zealand mosque shootings that occurred on March 15, 2019 in Christchurch.

Generali

At least 49 people were killed and 20 seriously injured, in a terror attack targeting two mosques in the New Zealand city of Christchurch. A man in his late 20s has been arrested and charged with murder. Authorities found an 87-page manifesto filled with anti-immigrant, anti-Muslim ideas. New Zealand’s prime minister called the attack an “unprecedented act of violence” and “one of New Zealand’s darkest days.” Customers are strongly encouraged to read their Description of Coverage or Insurance Policy for details regarding their available coverage. For plans that do offer coverage for terrorist attacks, please note that there is no coverage for this specific event under any plans purchased on or after March 14, 2019.

GeoBlue

According to emerging reports on Friday, 15 March, a 100 metre (320ft) security cordon has been established around a suspicious vehicle on Strickland Street in Christchurch. It is reported that the vehicle was crashed and then abandoned. Local police indicate that there may be an explosive device in the vehicle and have urged all civilians to remain indoors. All Christchurch schools, Christchurch Hospital and Christchurch City Council buildings have been placed into lockdown. This incident comes in addition to an ongoing shooting incident at the Masjid Al Noor mosque near Hagley Park, which has reportedly left dozens of casualties. Unconfirmed reports suggest that police have also responded to reports of a possible shooter at a mosque in the Linwood district of the city. Further updates on each situation are awaited.

Those in Christchurch are advised to remain clear of the affected area and anticipate armed police presence near the incident. Closely monitor local media sources for further updates to remain apprised of any developments. 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 March 15th, the event 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 March 15th 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.

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.

  • 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:

For an event 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 event.

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

HTH Worldwide

According to emerging reports on Friday, 15 March, a 100 metre (320ft) security cordon has been established around a suspicious vehicle on Strickland Street in Christchurch. It is reported that the vehicle was crashed and then abandoned. Local police indicate that there may be an explosive device in the vehicle and have urged all civilians to remain indoors. All Christchurch schools, Christchurch Hospital and Christchurch City Council buildings have been placed into lockdown. This incident comes in addition to an ongoing shooting incident at the Masjid Al Noor mosque near Hagley Park, which has reportedly left dozens of casualties. Unconfirmed reports suggest that police have also responded to reports of a possible shooter at a mosque in the Linwood district of the city. Further updates on each situation are awaited.

Those in Christchurch are advised to remain clear of the affected area and anticipate armed police presence near the incident. Closely monitor local media sources for further updates to remain apprised of any developments. 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 March 15th, the event is no longer considered an unforeseen event. Coverage related to these events is not available for HTH TripProtector policies purchased after this date.

HTH TripProtector policies purchased on or prior to March 15th may provide coverage related to these events, including Trip Cancellation, Trip Interruption and Trip Delay benefits.

Trip Cancellation and Trip Interruption coverage for Terrorist Attacks:

For a terrorist attack event to be covered under TripProtector Classic or TripProtector Preferred policies, the events must occur after a policy has been purchased and meet at least one of the following requirements.

  • Sickness, accidental injury or death of an insured person or an insured person’s family member or traveling companion.
  • 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.

Travel Delay coverage for Terrorist Attacks:

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 Trip Delay Coverage, other benefits, including Emergency Medical Evacuation, may also be available for coverage related to the events.

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

iTravelInsured

International Medical Group® (IMG®) offers our condolences to the people affected by the act of terrorism in Christchurch, New Zealand which killed at least 50 people and seriously injured many others on Friday, March 15, 2019.

IMG members who purchased a travel protection plan may receive trip cancellation, trip interruption, travel delay, or missed connection benefits if their planned travel was or is 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 of the plan, 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;

Travel Delay: If an Insured is delayed for 12 hours or more while en-route to or from or during a Covered Trip, benefits can be paid, up to the maximum benefit amount shown in the Schedule of Benefits of the plan, due to:

d) quarantine, hijacking, Strike, Natural Disaster, terrorism or riot;

The Travel Delay benefit can cover reasonable accommodation, meal, telephone call and local transportation expenses incurred, subject to a daily limit. In the SE and LX plans, this can also provide reimbursement for additional kennel fees for an Insured’s dog or cat, internet usage fees, and movie fees. Reimbursement for all items is subject to the terms, conditions, exclusions and limitations of the plan.

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

Trip Cancellation: Can reimburse nonrefundable trip payments in the event of cancellation, up to the maximum benefit amount shown in the Schedule of Benefits of the plan, due to:
u) a cancellation of Your Trip if Your arrival on the Trip is delayed and causes You to lose fifty percent (50%) or more of the scheduled Trip duration due to the reasons covered under the Missed Connection Benefit.

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 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:

u) a cancellation of Your Trip if Your arrival on the Trip is delayed and causes You to lose fifty percent (50%) or more of the scheduled Trip duration due to the reasons covered under the Missed Connection Benefit.

Missed Connection: If an Insured misses their cruise or tour departure because they are delayed 6 or more hours due to:

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 of the plan. The Missed Connection benefit can cover the Insured’s additional transportation cost to join their trip and the insured’s prepaid expenses for their unused land or water travel arrangements. Subject to a daily limit, the Missed Connection benefit can also cover reasonable accommodation and meal expenses, 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.

Tin Leg

On March 15, 2019, at least 49 people were killed and more than 40 others were injured in mass shootings at two mosques in Christchurch, New Zealand.

What you need to know about your policy:

As of March 15, 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, Luxury, or Adventure customers to cancel or interrupt their trip. In order to be eligible for coverage, a Standard, Luxury, or Adventure policy must have been purchased prior to March 15. Adventure policyholders must have also bought their policy within 15 days of making their initial trip deposit. 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, Luxury, or Adventure 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.

Travelex

Unfortunately in today’s world, acts of terror have become more prevalent and greatly impact our daily lives. Travelex Insurance Services’ protection plans do provide coverage for Terrorist Incidents under some plans. A Travelex protection plan with coverage for Terrorist Incidents must have been purchased prior to the date when a Terrorist Incident become foreseeable to be eligible for coverage.

Terrorist Incident: Christchurch, New Zealand
Date Event Became Foreseeable: March 15, 2019

Please refer fo your appropriate policy document for complete details regarding Terrorist Incident benefits, as various Travelex plans may not offer Terrorism coverage.

For plan questions contact Travelex Customer Solutions at 800.228.9792.