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Policygenius, Feb 10 2020 – Does travel insurance cover stupid Instagram influencer stunts?

Policygenius, Feb 10 2020 – Does travel insurance cover stupid Instagram influencer stunts?

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Does travel insurance cover Instagram dummies?

It depends on the type of travel insurance you get.

“Travel insurance is designed to cover unexpected and unforeseen events,” said Kasara Barto, spokeswoman for Squaremouth, a travel insurance comparison site. She says Potok’s stunt is usually not spelled out in travelers insurance but a policy can cover people who were delayed catching a connecting flight or had to change hotel reservations.

“If the plane itself is delayed due to any reason, such as this influencer having an episode and causing a plane to turn around, and their [travel] policy says ‘any delay’ — they can be covered,” Barto said.

What’s the difference between airline and travel insurance?

Before purchasing travel insurance, think about the type of trip you’re taking and if you need light coverage or an all-encompassing policy.

  • Airline insurance is offered by airlines and covers flight cancellations or interruptions. So if you need to cancel your trip at the last minute, your ticket will be refunded.
  • Travel insurance covers accommodations, medical issues such as an injury, baggage loss, flight delays or cancellations and unforeseen weather. There is a caveat to policies covering unforeseen weather, said Barto. If a storm is named before your trip, for example a hurricane, then it is no longer an “unforeseen” event — it is expected and you lose that coverage.

When you should consider travel insurance

You should consider travel insurance if there’s a specific concern regarding the trip, like weather or health issues, said Barto. If you purchase travel insurance, you can expect to pay anywhere from 7% to 10% of your total trip cost, she added.

You should consider travel insurance if you’re traveling overseas or taking a cruise, said Barto. If you’re traveling within the U.S. and have health insurance, you can safely skip travel insurance. Barto said: “As most travelers already have primary domestic health insurance, there is often no need for added medical coverage.”

Read the full Policygenius article online here: https://www.policygenius.com/blog/does-travel-insurance-cover-stupid-instagram-influencer-stunts/