Carrier Position Statements on the Civil Unrest in Egypt

Published by January 31, 2011

Travel insurance carriers release position statements to identify how coverage applies to current events.  The civil unrest and rioting in Egypt has many travelers asking how their policy works in this situation.  The following are position statements from the travel insurance carriers identifying what coverage is available:

Air Ambulance Card

Statement Issue Date 2/2/11

Air Ambulance Card only provides hospital to hospital medical repatriation. The current unrest in Egypt may cause a delay in transporting a member, but we do not currently see the unrest preventing a transport out of the country.

CSA Travel Protection

Statement Issue Date 1/26/11

For a second day, activists have been clashing with police forces and engaging in violent protests in Cairo, Egypt. CSA Travel Protection considers this activity in Cairo, Egypt to be civil disorder. Our plans do not offer benefits in the event of Trip Cancellation or Trip Interruption due to civil disorder. Certain CSA Travel Protection plans offer benefits if you are delayed for a certain number of hours during your covered trip due to civil disorder. For plans that offer this coverage, the coverage begins when you depart on your covered trip. As always, customers are encouraged to read their Certificate of Insurance or Insurance Policy for details regarding their available coverage.

Global Alert Administrators

Statement Issue Date 1/31/11

Global Alert Covers Non-Medical Emergency Evacuation In Egypt.

Important Claim Information:  If you have travelers who are currently in Egypt that need Non-Medical Emergency Evacuation, please have them contact One Call collect at 603-894-4710, or if you would like to contact them on their behalf you may do so at 800-555-9095.  Certain Global Alert Plans include this “Exclusive” benefit.

Global Rescue

Statement Issue Date 1/29/11

Global Rescue has deployed security teams to Egypt to provide security, transport and extraction services for the company’s clients in country.  The teams are led by special operations veterans that include former Navy SEALs and members of the Navy’s Special Warfare Command.

If someone you know is currently in Egypt and requires Global Rescue’s assistance, please contact our 24 hour operations center at: (800) 381 9754 or +1(617) 459 4200

HCC Medical Insurance Services

No statement provided.

HTH Worldwide

Statement Issue Date 1/26/2011

For a second day, activists have been clashing with police forces and engaging in violent protests in Cairo, Egypt.  HTH Administration Services considers this activity in Cairo, Egypt to be civil disorder.  Our plans do not offer benefits in the event of Trip Cancellation or Trip Interruption due to civil disorder.  Certain HTH Administration Services Travel Protection plans offer benefits if you are delayed for a certain number of hours during your covered trip due to civil disorder.  For plans that offer this coverage, the coverage begins when you depart on your covered trip.  As always, customers are encouraged to read their Certificate of Insurance or Insurance Policy for details regarding their available coverage.  Please contact 866.655.3058 with further questions.

IMG

No statement provided.

iTravelInsured

Statement Issue Date 1/31/11

As of today, iTravelInsured is treating the current Egypt Demonstration Crisis as “civil disturbance, riot or insurrection”- which is an exclusion in our programs. We are offering emergency assistance service to all affected which include the following services:

Emergency Travel Arrangements

Lost Passport/Travel Documents Assistance

Lost Luggage Assistance

Embassy or Consulate Referral

Emergency Message Relay

Emergency Prescription Replacement

Medical Referral

24- Hour Medical Monitoring

Emergency Cash Transfer

Legal Referrals

Emergency Translations

iTravelInsured continues to watch the situation closely for any updates.

Medjet Assist

Updated Statement Issue Date 4/1/11

As we have continued to monitor the situation in Egypt, we would like to update the information on your blog.  This is our updated position:

The U.S. State Department updated the travel warning for Egypt on 3/29/11

http://travel.state.gov/travel/cis_pa_tw/tw/tw_5347.html.

We continue to monitor the situation on a daily basis and remain in contact with our affiliate groups in that region. Evacuations could see some delays but we have the assets locally to expedite any situation our members encounter.  MedjetAssist can be reached 24 hours a day, 800-527-7478 or 205-595-6626.

MH Ross

No statement provided.

MEDEX

Statement Issue Date 2/1/11

As you are probably aware, political protests and demonstrations in Egypt have resulted in an ongoing security situation.  MEDEX Global Solutions’ Intelligence team continues to monitor the situation.  In addition, we are actively evacuation both current clients, and those of other organizations whose providers have been unable to assist them.  We have already chartered one flight that left yesterday at 3PM EST.  Barring any changes, two additional chartered flights are scheduled to leave today, carrying on them approximately 400 travelers combined.

Please be aware that the airports are currently operational, however there are significant delays in traveling to them, as well as clearing Security at these airports. Please plan accordingly if you are scheduled to depart.

For clients considering using the transportation services of the State Department, we would like to make you aware of the following:

You will be required to sign a promissory note for the cost of the trip. (These flights are not free!)

Once safely evacuated to another location, you will be responsible for your subsequent flights to your final destination

If you need assistance with your travelers in Egypt, please contact your Client Relations Manager or the 24-hour MEDEX Emergency Response Center at +1-410-453-6330.

Seven Corners

Statement Issue Date 2/2/11

We are currently viewing these events as “civil commotion or riots”.   Policy holders who purchased prior to January 24, 2011 will have the following coverage:

Cancel For Any Reason coverage provided by RoundTrip  Choice provides coverage for cancellations that are made 48 or more hours prior to your scheduled departure. Payment is limited to 75% of the non-refundable trip cost up to the stated policy maximum limit.

Travel Delay benefits are also available through RoundTrip or RoundTrip Choice, if you are delayed more than 6 hours due to civil commotion or riots

Political Evacuation coverage provided by Liaison Majestic

Seven Corners has their Assistance team available 24-hours a day.
If you are a Seven Corners insured looking for assistance:
In the event of a Medical Emergency SevenCorners Assist must be contacted:
As soon as non-emergency hospitalization is recommended
Within 48 hours of the first working day following an emergency admission
When your physician recommends any surgery, including outpatient
For emergency evacuation, repatriation, and assistance services

This line is not to be used for purchase assistance or purchase errors, only medical emergencies
United States, Canada and the Caribbean (Toll-free): 1-800-690-6295
International Toll-free Country Access Code (+1) 800-690-6295
Collect Calls: 0-317-818-2808
Email: assist@sevencorners.com

Travel Guard

Statement Issue Date 2/3/11

The actions taking place in Egypt are currently considered civil disorder.  Civil disorder is generally not a coverable reason for trip cancellation or interruption in most travel insurance plans.  Currently, this is not a covered reason for cancellation or interruption under Travel Guard plans as well.

Travelers who purchase a Travel Guard North America retail travel insurance plan with “cancel for any reason” coverage are eligible for reimbursement of forfeited pre-paid, non-refundable expenses if they cancel their trip within 48 hours prior to departure due to the civil disorder in Egypt, or any other reason, up to the maximum limits for the plan purchased.

Travel Guard Insureds:

Travel Guard’s concern first and foremost is for the safety of its customers.  Insured travelers may contact Travel Guard’s worldwide assistance centers 24/7 at 1-800-826-1300(or from Egypt call collect via an international operation to 715-345-0505) for help in coordinating a flight on a commercial carrier or any other transportation needs (hotel reservations, rental cars, etc.).  This assistance would also apply to insured travelers who choose to depart via a US evacuation flight (see below) and then need further assistance after reaching a safe haven location.

Information on US Evacuation Flights:

Travelers who are trying to depart Egypt via a US evacuation flight should contact the U.S. Department of State and Embassy Cairo by sending an email to EgyptEmergencyUSC@state.gov or by calling 1-202-501-4444.

The State Department is still arranging charter evacuation flights for U.S. citizens and eligible dependents who want to leave Egypt for safe haven locations in Larnaca, Cyprus; Istanbul; Frankfurt; and Athens. Travelers will then have to make their own travel arrangements home.

Anyone evacuating will be asked to provide the following information: Name, age, place of birth, U.S. passport number and any special medical needs. Travelers should bring valid travel documents and any necessary medications. Each traveler may bring one suitcase and a small personal carry-on item.  U.S. citizens seeking evacuation should be prepared for a substantial wait at the airport.  Travelers are advised to bring food, water, diapers and other necessary toiletries with them to the airport.  At this time, public transportation, including taxis, is still operating in Egypt.

Travel Insurance Services

Statement Issue Date 2/3/11

The actions taking place in Egypt are currently considered civil unrest. Civil unrest is generally not a coverable reason for trip cancellation or interruption. However, travelers who purchase the Travel Insurance Select Basic option along with the upgrade for Cancel for Any Reason (CFAR) coverage, as well as travelers who purchase the Elite option, which includes CFAR, are eligible for reimbursement of prepaid, forfeited, and non-refundable expenses if they cancel their trip within 48 hours prior to departure due to civil unrest in Egypt, or any other reason, up to the maximum limits for the policy purchased – provided that they qualify for CFAR, which is an early purchase benefit.

USI Travel Insurance Services’s concern, first and foremost, is for the safety of its customers. Travel Insurance Select’s worldwide assistance centers are available 24/7 at 1-866-346-1803 or 1-715-342-3541 (Collect) to provide help to insured travelers who need assistance in making emergency travel changes (e.g. flight changes, hotel reservations, rental cars).

Travelers who purchase the Travel Insurance Select coverage without the Cancel for Any Reason benefit and need to cancel their coverage prior to departure can request a pro-rata refund of premium by simply sending USI Travel Insurance Services a written request via email, fax or mail prior to their scheduled departure date. The refund amount will be based on how long their coverage has been in effect, less a $20 processing fee.

Travel Insured International

Statement Issue Date 2/1/11

As of Friday, January 28, 2011, the civil unrest in Egypt is no longer considered to be an unforeseen event, as defined in Travel Insured International’s policies.

Travel Insured policy holders who purchased coverage prior to January 28th and whose itineraries include Egypt may be eligible for Trip Cancellation, Trip Interruption or Trip Delay benefits. Please refer to the specific terms and conditions of the specific policy purchased as eligibility for coverage varies based upon the specific policy form, terms, conditions and exclusions. For insured passengers who purchased Cancel for Any Reason coverage, we remind you that cancellations must be made 48 or more hours prior to scheduled departure and payment is limited to 75% of the non-refundable trip cost up to the stated policy maximum limit. Travel Insured offers all of our customers’ immediate access to our Assistance Services for emergency travel arrangements and concierge service. Insured clients who purchased our Worldwide Trip Protector Gold policy may also be eligible for Political Evacuation Coverage (only applicable for policies purchase on or after April 29, 2010).

Travel Insured is closely monitoring the situation. We advise our customers to change/adjust their travel schedules as best they can. The situation may change quickly, so please continue to check with your travel supplier and with us at Travel Insured at 1-800-243-3174.

Travelex

Statement Issue Date 1/31/11

Egypt Riots Coverage for Travel Basic, Travel Select, Travel Select Advantage and Travel Max

Today, January 28, 2011, marks the fourth day of protests in Egypt against the autocratic government run by President Hosni Mubarak. Thousands of frustrated Egyptians have created a violent atmosphere throughout the streets of Egypt, specifically in the Cairo and Suez areas. Currently, six deaths have been reported as a result of the violence.

The current risk rating for Egypt is moderate. Police officials are taking all necessary actions to control the large crowds of angry protesters including deploying rubber bullets, water cannons and tear gas.

At this time, the U.S State Department is urging against non-essential travel to Egypt. Those traveling to or those currently in Egypt are strongly encouraged to stay indoors until the demonstrations cease. Closely monitor local developments and plan all essential movements accordingly. Passengers with flight reservations are advised to reconfirm all travel plans.

For travelers who purchased a protection plan on or before January 24, 2011, please review the below for an overview of applicable benefits. Coverage is subject to the terms and conditions of the policy and certain plan benefits may not be available based on the plan purchased. Please review the applicable Certificate of Insurance for full policy details.

Trip Cancellation Coverage
Delayed arrival due to a covered reason such as delay due to civil commotion or riot causing 50% or more of the covered trip to be missed. 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 Certificate of Insurance. 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 civil commotion or riot.

Emergency Medical Coverage
For travelers affected by the rioting 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. Simply call the travel assistance phone number listed on your Confirmation of Coverage.

Egypt Riots Coverage for Travel Plus and TraveLite

Today, January 28, 2011, marks the fourth day of protests in Egypt against the autocratic government run by President Hosni Mubarak. Thousands of frustrated Egyptians have created a violent atmosphere throughout the streets of Egypt, specifically in the Cairo and Suez areas. Currently, six deaths have been reported as a result of the violence.

The current risk rating for Egypt is moderate. Police officials are taking all necessary actions to control the large crowds of angry protesters including deploying rubber bullets, water cannons and tear gas.

At this time, the U.S State Department is urging against non-essential travel to Egypt. Those traveling to or those currently in Egypt are strongly encouraged to stay indoors until the demonstrations cease. Closely monitor local developments and plan all essential movements accordingly. Passengers with flight reservations are advised to reconfirm all travel plans.

For travelers who purchased a protection plan on or before January 24, 2011, please review the below for an overview of applicable benefits.

Coverage is subject to the terms and conditions of the policy and certain plan benefits may not be available based on the plan purchased. Please review the applicable Evidence of  Coverage for full policy details and please note participation in a riot or insurrection is an exclusion of the protection plan.

Trip Cancellation Coverage
Delayed arrival due to a covered reason such as delay due to a riot causing 50% or more of the covered trip to be missed. 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 Evidence of Coverage. If purchased, the All Events Upgrade 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 riot.

Emergency Medical Coverage
For travelers affected by the rioting 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. Simply call the travel assistance phone number listed on your Confirmation of Coverage.

TravelSafe

Statement Issue Date 1/31/11

This is an update as of 5:00 PM on Monday January 31, 2011 regarding the current security situation in Egypt. This information is from On Call International the 24 Hour Assistance Company that provides assistance and concierge to all TravelSafe insureds.

As a result of the political crisis in Egypt, On Call International today evacuated a total of 65 customers, including a mix of students, business and leisure travelers, from Cairo and Alexandria, Egypt. The first flight out of Cairo has landed in Athens, Greece where On Call International has arranged accommodations and is coordinating flights back to various states in the U.S. The second flight has departed Alexandria and will bring customers to Prague where On Call will, again, arrange lodging and coordinate travel back to the U.S. This was a success for On Call and its clients, as the Global Response Center was able to round up stranded travelers and provide them with a safe and secure ground transport, through what was essentially a war zone, to the airports and ultimately into the air, out of Egypt and on their way back to homes and loved ones in the U.S.

On Call continues to have access to ground transportation and private air charters in an effort to evacuate travelers out of Egypt to a safe haven and home.  If you have any students, passengers, employees or other interested parties who need transportation out of Egypt, please let us know as soon as possible.

The U.S State Department has extended the formal travel alert for all non-essential travel to Egypt. Over the past six days, violent anti-government protests have continued in several areas of Cairo and other parts of the country, disrupting road travel between city centers and airports. The Egyptian Army has been deployed and is trying to keep the peace as the demonstrations by thousands of angry Egyptians have continued. Government officials are trying to eliminate the use of technology to aid in the organization of the demonstrations, consequently communication interruptions including internet and mobile telephone services continue to be sparse.

The Embassy duty officer is available to US citizens for emergencies at +20 1 2797-3300 during evening and weekend hours and the American Citizens Services Section can be reached at +20 1 2797-2301 during business hours, Sunday to Thursday from 8:00 a.m. until 4:30 p.m. and at consularcairoacs@state.gov. It is also recommended that all US citizens in Egypt enroll in the Smart Travelers Enrollment Program (STEP) <https://travelregistration.state.gov/>  at the following website: https://travelregistration.state.gov.

You may not currently be signed up for political evacuation services with On Call International; however, On Call is interested in the safety and well being of your students, employees or other interested parties. We are willing to offer our assistance services should you have people in need. Please contact our Global Response Center at 800-407-7307 or via email at mail@oncallinternational.com to notify us of any student, employee, etc. who needs assistance.

USA-ASSIST
No statement provided.