Recent volcanic activity has affected many European travel plans and has most travelers asking how it impacts travel insurance. The available coverage varies between travel insurance carriers, it is important to read their volcanic ash position statements for specifics. Travel Guard recently addressed the frequently asked questions surrounding the volcanic ash.
Frequently Asked Questions
The below questions and answers apply to policies purchased through Travel Guard Group, Inc. USA (Travel Guard).
Question One: “I am scheduled for future travel and purchased my insurance policy prior to this volcanic event. If this volcano subsides and then erupts again, causing my future travel plans to be disrupted, will this be considered unforeseen and could coverage apply?”
Answer: Under most of our US products, you would be covered based on your purchase date being prior to April 14, 2010, subject to policy terms and conditions. We encourage you to contact our 24/7 Service Center or your Travel Guard sales representatives with additional questions as coverage and benefits vary by product.
Question Two: “I am scheduled to travel this summer and have not yet purchased a policy. If I purchase a policy today and a future eruption of the Iceland volcano occurs would I be covered?”
Answer: If the current Iceland Volcano situation subsides and commercial airlines resume normal schedules prior to your trip, any new eruption would be considered a new event under our US policies. Coverage would be administered according to the product purchased (based on limits and exclusions). We encourage you to contact our 24/7 Service Center or your Travel Guard sales representatives with additional questions as coverage and benefits vary by product.
Question Three: “I have insurance and am scheduled to fly out later this week. What should I do if my flight is cancelled?”
Answer:The first call you should make is to your air carrier as all airlines have made rebooking passengers impacted by this event a priority. That said, please contact Travel Guard for additional assistance, both for flight rebooking and to initiate a claim if applicable.
Question Four: “What is the coverage cut-off date for the current Iceland volcano event?”
Answer: Eligible US plans would need to have been purchased before April 14, 2010.
Question Five: “My customers are stranded away from home. What can you do to help them?”
Answer: Our 24/7 assistance centers stand ready to help you and your customers. Our services include flight rebooking, hotel rebooking, cash wire transfers, translation services, message relay and more. Our worldwide reach has also helped our insureds avoid spending nights in airports, as we have helped get them accommodated in hotels during their delays.