After Boston Marathon Bombing Travel Insurance Coverage is in Question , says Squaremouth

Published by April 16, 2013

ST. PETERSBURG, FL April 16, 2013 – A massive investigation continues today after two explosives detonated at the Boston Marathon, killing three people. While Boston airports are operating normally today, many travelers are questioning the security of traveling to the Boston area.

In an effort to clarify travel insurance coverage, Squaremouth is requesting position statements from travel insurance providers. A position statement defines the way an insurance company categorizes a particular event. As events unfold, insurance companies may change their position statements. Squaremouth will post and update all position statements as they become available here: https://www.squaremouth.com/press-room/travel-insurance-provider-position-statements-for-boston-marathon-bombing/

The following statements were provided at the time of press concerning the Boston Marathon Bombing:

CSA Travel Protection – Two bombs struck near the finish line of the Boston Marathon on Monday, April 15, 2013, shattering windows and barricades, and sending smoke billowing into the air.  Current reports claim 2 people have lost their lives, and over 100 people have been injured in the blasts.  The FAA confirmed only a brief flight stop at Boston’s Logan airport.  Federal authorities are classifying the bombings as a terrorist attack at this time, but it’s not clear whether the origin was domestic or foreign.  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 acts, please note that there is no coverage for this specific act under any plans purchased on or after Monday, April 15, 2013.  Please contact CSA Travel Protection with questions.

HTH Worldwide – Two bombs struck near the finish line of the Boston Marathon on Monday, April 15, 2013, shattering windows and barricades, and sending smoke billowing into the air.  Current reports claim 2 people have lost their lives, and over 100 people have been injured in the blasts.  The FAA confirmed only a brief flight stop at Boston’s Logan airport.  Federal authorities are classifying the bombings as a terrorist attack at this time, but it’s not clear whether the origin was domestic or foreign.  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 acts, please note that there is no coverage for this specific act under any plans purchased on or after Monday, April 15, 2013.  Please contact HTH Administrative Services with questions.

iTravelInsured – All of us at iTravelInsured have the victims of the Boston Marathon attack in our thoughts and prayers.  It was indeed an unexpected event.

iTravelInsured plans provide coverage against a “Terrorist Incident” for a Covered Trip under both Trip Cancellation and Trip Interruption benefits.

A “Terrorist Incident” is defined as, “any violent act or an act that is dangerous to human life, property or infrastructure, that is committed within 120 miles of a Destination by any person or persons who appear to be part of an effort to coerce a civilian population or affect the conduct of any government by coercion.”

“Destination” means one or more cities to which You are scheduled to travel on a Covered Trip.

The peril that provides the coverage under Trip Cancellation/Interruption states:

4. A Terrorist Incident, if You are scheduled to arrive at a Destination within 15 days following the Terrorist Incident and the Travel Supplier is not offering a substitute itinerary. Travel to any Destination for which travel warnings have been issued by the U.S. State Department at the time this coverage is purchased is excluded. Travel to any Destination in which such a Terrorist Incident has occurred in the 90 days prior to the date this coverage was purchased is excluded.

It is important to remember these points when considering coverage against a “Terrorist Incident”:

– Coverage must be in force prior to a terrorist incident.

– A destination on a Covered Trip must not have been issued a travel warning by the U.S. State Department prior to the purchase of the coverage.

– The scheduled arrival to a destination on a covered trip where the terrorist incident occurred must be within 15 days of the actual incident.

– Before a new “Terrorist Incident” is covered, a destination must be incident free for at least 90 days.

RoamRight – RoamRight is deeply saddened by the events in Boston on 4/15. Our thoughts and prayers go out to everyone who was affected by the attack. As an event that draws several tens of thousands of people from around the world, the attacks impacted not just the United States, but the entire global travel community.

If any RoamRight travelers are currently in Boston and need assistance, please call 866-443-6971. If you need coverage clarification, please call RoamRight customer service at 877-687-7170.

At RoamRight, we consider this to be an act of terrorism and therefore any policyholders impacted by this event will be covered by our trip cancellation and trip interruption benefits if the following three criteria are met:

– Boston is a city listed on your itinerary

– Coverage was effective prior to the attack (April 15, 2013), and

– Your departure date is within 30 days of the attack (travel must commence prior to May 15, 2013)

RoamRight policy holders can contact us by phone, email (customerservice@roamright.com), or via chat on our website (www.roamright.com).

About Squaremouth
Squaremouth is a website that compares travel insurance products from every major U.S. travel insurance provider. Established in 2006, the company has grown from $1 million in sales to $10 million in 2012. Squaremouth is headquartered in St. Petersburg, FL, with offices in Fort Wayne, IN. More information on Squaremouth and its network of providers can be found at www.squaremouth.com.

About our Zero Complaint Guarantee
The cornerstone of Squaremouth’s commitment to customers is their Zero Complaint Guarantee. If a customer feels their claim is handled unfairly, Squaremouth will mediate on their behalf. Any provider with a customer complaint that cannot be resolved with complete satisfaction will be removed from the website.

Squaremouth offers products from the following travel insurance providers:
Air Ambulance Card, Allianz Global Assistance, AMEX Assurance Company, Azimuth Risk Solutions, LLC, CSA Travel Protection, GeoBlue,  Global Alert Administrators, HCC Medical Insurance Services, HTH Worldwide, IMG,  iTravelInsured, John Hancock Insurance Agency, Inc., MedjetAssist, MH Ross Travel Insurance Services, RoamRight, Seven Corners Inc, Travel Guard, Travel Insurance Services, Travel Insured International, Travelex Insurance Services, TravelSafe, Trawick International, USA-ASSIST Worldwide Protection, and VacationGuard.

AVAILABLE TOPIC EXPERTS:
Chris Harvey
charvey@squaremouth.com
Toll-free (800) 240-0369 x 6103
Direct (727) 490-5802
Chrisharvey.com
LinkedIn
Google+

Jenna Gravino
jgravino@squaremouth.com
Toll-free (800) 240-0369 x 6112
Direct (727) 502-6849
LinkedIn
Google+