ST PETE BEACH, FL MARCH 14, 2011 – The recent earthquake and tsunami in Japan have travelers wondering if their travel insurance policy will continue to cover them in the wake of the disasters. Squaremouth.com, a website for comparing and purchasing travel insurance policies, warns travelers not to assume they are covered since most policies do not cover events related to natural disasters.
“It’s important to know where your insurance provider stands on these issues,” say Chris Harvey, CEO of Squaremouth. “Travelers wanting to cancel or interrupt their trip should contact their insurance provider to thoroughly understand what coverage is available.”
Emergency medical and medical evacuation coverage, for example, may be available to people who traveled to Japan and were injured during the disasters. Reimbursement might be available to travelers who were injured during the earthquake and could not continue their trip.
“Understanding the benefits of the policy is very important, so that in the event of a claim, the consumer knows what will and will not be paid,” warns Suzanne Munson, Director of Marketing at Seven Corners, a travel insurance company.
Travelers who purchased policies prior to March 11, 2011 should review the certificate of insurance to determine what coverage is available in the event of a natural disaster. Travel Insured International’s policy holders, whose itineraries included the affected area, “may be eligible for Trip Cancellation, Trip Interruption and Trip Delay benefits as well as Medical Expenses and Emergency Medical Evacuation coverage.”
“There is no coverage for these specific events under any plans purchased on or after March 11, 2011,” states CSA Travel Protection.
If travelers are planning on purchasing a policy, and looking for cancellation coverage, they will want to purchase a policy that offers the Cancel for Any Reason benefit. Cancel for any Reason coverage is a catch-all benefit that, if purchased within 14 to 30 days of an initial deposit payment, allows a customer to cancel a trip without explanation and receive a refund up to 75 percent of the trip cost.
Squaremouth is America’s fastest growing travel insurance comparison site, helping customers instantly quote, compare and buy policies from every major carrier. Squaremouth has web sites in the US and UK, and an extensive network of partner sites worldwide. The company is headquartered in St Pete Beach, FL., with offices in Fort Wayne, IN. Visit Squaremouth.com or Squaremouth.co.uk.
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