MH Ross Official Statement on Current Volcano Activity

Published by Chris Harvey February 11, 2009

In light of the current volcanic activity in areas of the world including Alaska and Japan, here is a summary of available benefits in the MH Ross Basic and Enhanced policies.  Natural Disaster is defined in the policy as a disaster resulting from natural causes including flood, hurricane, tornado, earthquake, volcanic eruption or blizzard.

Trip Delay:

In the event a Natural Disaster (i.e. volcanic eruption) causes an insured to be delayed 6 or more hours, there is coverage under Trip Delay benefits for 1) transportation to continue on the Covered Trip or to return home, 2) up to $100/day for the Basic policy and $200/day for the Enhanced policy for additional expenses if the delay requires an unplanned overnight stay and 3) unused non-refundable pre-paid expenses.  Coverage will be considered up to the maximum benefit amount of $500 for the Basic policy and $1,000 for the Enhanced policy.

Trip Cancellation/Interruption:

In relation to volcanic activity, there is available coverage up to the Maximum Benefit Amount under 1) Trip Cancellation for unused non-refundable prepaid expenses and 2) Trip Interruption for unused non-refundable prepaid expenses and return transportation, for the following reasons:

*       You or Your Traveling Companion’s Primary Residence of Destination accommodations being made uninhabitable during Your Covered Trip by Natural Disaster;
*       You or Your Traveling Companion’s place of business being mad unsuitable for the transaction of business by Natural Disaster;
*       Your or Your Traveling Companion being called to the emergency service of the government in response to a Natural Disaster;
*       Your arrival at Your Destination is delayed and causes You to lose 50% or more of the scheduled Covered Trip duration due to any of the unforeseen events covered under Trip Delay (which includes Natural Disaster).

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