Travel insurance can help, to a degree
It is currently too late to buy travel insurance for this week’s Hong Kong airport protests – any incidents related to the protests will no longer be covered, according to travel insurance comparison site Squaremouth.
Nevertheless, events such as the demonstrations in Hong Kong serve as a reminder about the potential benefits of buying travel insurance well in advance of a trip. Travelers who purchased a policy prior to the protests could be covered by several possible benefits. For instance, many policies cover flight delays that exceed three hours. Some policies will refund travelers for portions of their missed trip if cancelled flights caused them to miss half or more of their trip. And some policies will provide coverage to travelers who miss a cruise or tour because of an extreme flight delay.
Those with upcoming trips to Hong Kong would likely be able to cancel their trip and be reimbursed if they purchased “cancel for any reason” coverage – an optional upgrade that can often be added to travel insurance policies, for a price. It typically increases the cost of travel insurance by about 40 percent, according to Squaremouth.
Read the full AFAR article online here: https://www.afar.com/magazine/travel-plans-thwarted-due-to-protests-heres-what-you-can-do