March 16, 2011 |
With some of Japan’s nuclear reactors emitting radiation after damage from last week's devastating earthquake and tsunami, travelers may wonder: Will their travel insurance policy cover them if they cancel trips because of radiation contamination in the region? Insurers are already grappling with this question, with different outcomes. But several I contacted this week agreed on one point: Unless you had added a so-called cancel-for-any-reason rider to your policy, you won’t be reimbursed for your trip deposits and other costs if you cancel your Japan trip solely because you worry that you might encounter radiation—or any other problem, for that matter.
October 13, 2013
Thank you for Catharine Hamm's enlightening article on travel insurance ["What That Policy Covers," On the Spot, Oct. 6]. I blew out my knee's quad tendon in Dubai on the first day of a cruise tour. After having my entire leg cast locally, I tried to fly back to L.A. for immediate surgery. I had a prepaid return flight in coach, but Emirates Airlines said it couldn't accommodate me there because my leg had to be elevated and sticking straight out, and coach didn't have the room for my leg. (Of course, I'd have accepted lying across three seats, but the airline said no.)
December 1, 2013 |
After a nasty storm ripped through the East Coast on the busiest travel day of the year, you might think that buying travel insurance for holiday travel would be a no-brainer. Not so much. The 114-year-old National Consumers League concluded recently that travel insurance is usually a bad deal because most policies are riddled with exceptions that allow insurance companies to reject claims for payoffs. Most insurance companies won't disclose their track record for paying out claims, making it nearly impossible to judge whether insurance is worth the money, the league says.
October 28, 2012 |
If you're spending a lot of money on a trip, consider buying travel insurance to protect yourself against the unexpected. Key things to know: • Typically, travel insurance reimburses you for such things as nonrefundable cruise deposits or airfares - and for the cost of rescheduling flights - when weather, illness, natural disaster or terrorism cause your trip to be canceled or delayed. Plans differ slightly from one another, so be sure to read the fine print. • Some policies cover medical expenses incurred outside the United States, and may pay for emergency evacuation in case of a serious injury or health problem.
April 16, 2000 |
On a trip to a familiar domestic destination, you probably don't need travel insurance. But it may be worth considering if you're buying a cruise or tour package with hefty prepayments and heavy penalties for late cancellations. Trip cancellation/interruption insurance typically covers your losses if a family medical crisis or certain other emergencies force you to cancel, postpone or abbreviate a trip. Emergency medical policies cover emergency transport or medical care or both.
October 29, 2012 |
And you thought travel insurance was necessary only for overseas trips? Hurricane Sandy serves as a reminder that domestic travel plans can go wrong as well. The relatively low cost of most plans can make travel insurance an appealing option in this era of nonrefundable air and lodging fees. For example, covering a $1,000 trip to the Big Apple would cost as little as $15. Those with plans for a Caribbean cruise in particular might consider travel insurance during this busy hurricane season.