Provider Position Statements for Boston Marathon Bombing

Published by April 16, 2013

Squaremouth’s travel insurance providers have provided the following position statements to help travelers better understand how travel insurance coverage applies to those traveling to Boston after the Boston Marathon bombing that occurred Monday, April 15th.

Squaremouth will continue to update this information as it becomes available.

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).

Global Alert, MH Ross, TravelSafe – The underwriters for Global Alert, MH Ross and TravelSafe have determined that the event disrupting the Boston marathon yesterday was a terrorist act.  The insured may have coverage if the policy purchased includes terrorism coverage and all of the policy requirements are met.   Please remember that in order to be covered, insurance must have been purchased prior to the event; Boston must be a city in which the insured is traveling from, through or to on his/her trip; and his/her scheduled departure must be within 30 days of yesterday’s incident. Some policies may require the purchase of the plan during a time sensitive period (i.e. within 15 days of deposit date) to qualify for this provision.  Each insured should check his/her policy for the specific requirements and benefits available.  This applies only to US policies.

Travelex Insurance Services – Travelex sends our deepest sympathies to those individuals and families affected by the incidents at this year’s Boston Marathon. Travelex and our underwriters have deemed the Boston Marathon Bombing as a Terrorist Act/Incident and coverage will apply as outlined below, depending on the plan purchased.

For those travelers who are scheduled to depart from or who’s destination is Boston, Trip Cancellation coverage may be provided due to the Terrorist Act/Incident occurring on April 15, 2013. Please note this coverage only applies to Travelex policies purchased on or before April 15, 2013. Any policies purchased after this date will not be considered for coverage as the event causing cancellation – the Terrorist Act/Incident – was not unforeseeable at the time of purchase.

Additional benefits that may apply to plans purchased prior to April 15, 2013:

Trip Cancellation Coverage

– If the Travel Supplier cancels the trip due to these conditions, the traveler may be reimbursed for the reissue fee charged by the airline, up to the maximum benefit amount as stated in the Description of Coverage.

– If purchased, Cancel for Any Reason can provide a portion of their trip cost back provided they meet the individual requirements of this benefit.

Trip Delay Coverage

– Delay while en route to or from final destination for at least 5 hours or more due to a covered reason, such as a Terrorist Incident or Common Carrier delay.

Emergency Medical Coverage

– For travelers injured as a result of a Terrorist Act/Incident while traveling in these areas, coverage is provided for expenses incurred as a result of emergency medical treatment and/or emergency medical evacuation, if necessary.

24 Hour Travel Assistance Services

– Travelers may receive assistance ranging from emergency travel arrangements and money transfers to message relay services. For emergencies or travel assistance, please contact the appropriate Travel Assistance company as identified in your plan documents.

Travelex provides all the tools you need to manage your insurance plan online. For expedited service, go to the Plan Holders tab on our website to file a claim, request plan documents or make a plan change.

Please review your plan details for specific plan benefits that may or may not apply based upon your product purchased.

Travel Insured International – Yesterday afternoon President Obama characterized the bombings as an act of terrorism. Our policies define a Terrorist Incident as an incident deemed by the U.S. Government to be an act of terrorism.