Travel Insured has Coverage Response to T&L’s 10 “Worst Disasters”

March 13, 2009

Emergency Preparedness

Travel & Leisure Magazine in January published a slide show on its 10 “Worst-Case” Travel Disasters, and cited U.S. Travel Insurance Association statistics showing more than 67 million Americans in 2006 spent $1.3 billion trying to protect against them.

Here is a rundown of Travel & Leisure’s 10 worst situations (in quotes below) and the corresponding Travel Insured WTP coverage or service that addresses them.

1. “hurricanes and natural disasters”: Trip Cancellation in all Worldwide Trip Protector plans includes coverage for these events.

2. “pirates”: all Travel Insured WTP plans include Trip Interruption coverage due to either a hijacking or an act declared to be terrorism by the U.S. State Department.

3. “scam artists, especially credit card frauds”: ID Theft Recovery Assistance, included with our WTP signature comprehensive and WTP Gold  plans, helps your client with recovery of credit after being a victim of fraud .

4. “getting frighteningly lost”: Travel Insured’s Worldwide Emergency Assistance, included in every WTP plan, helps lost clients with directions or hotel bookings.

5. “airline bankruptcy:”  All WTP plans, except for WTP Lite, include Trip Cancellation / Interruption coverage for travel supplier defaults or bankruptcies.

6. “Emergency medical evacuation to substandard facilities:” Emergency Medical Evacuation, and Emergency Medical Assistance, included in all WTP plans, covers MedEvac from a destination to appropriate medical treatment by U.S. standards.

7. “Lost passport:” Our Worldwide Emergency Assistance, available 24/7 from anywhere, provides access to passport replacement assistance with every WTP plan.

8. “Being stranded without cash:” Our Worldwide Emergency Travel Assistance can also arrange for an emergency cash advance.

9. “Medical Emergency in an aircraft, especially on an overwater flight:” Emergency Medical Evacuation, and Emergency Medical Assistance, included in all WTP plans, provides for the MedEvac to appropriate medical treatment by U.S. standards.

10. “Being arrested for unwittingly breaking the law.” Travel Insured’s Worldwide Emergency Assistance, included in every WTP plan, can arrange bail bonds and needed legal referrals.


Arrest of Airport Baggage Handlers Spotlights Need for Coverage

March 13, 2009

Risk Alert

The arrest of 10 baggage handlers for grand larceny at Connecticut’s Bradley International Airport on March 2nd was reported in the Hartford Courant newspaper. The report gave official statistics on the problem of baggage or their contents that disappear while passing through the U.S. aviation security system administered by the TSA (Transportation Security Administration). For the fiscal year ended Sept. 30, 2009, the TSA received 17,500 claims for lost, damaged or stolen items. The Hartford newspaper reviewed TSA records showing 49,132 claims for loss or theft between 2002 and 2008. According to David Stepler, president of the Air Travelers Association, several factors actually keep the number of baggage claims down. One is that goods are often not discovered lost until the travelers get home. Another is that people doubt their ability to prove a theft on which a possible recovery of lost items could be achieved. A third factor is that baggage handlers at smaller airports are often third-party contractors who are not constantly supervised as they handle baggage. Additionally, according to the report, TSA fired 465 security officers between May 2003 and October 2008.

Travel Insured’s Baggage & Personal Effects Coverage ranges from $1,000 on a Worldwide Trip Protector Lite Plan to $1,500 on a Worldwide Trip Protector Comprehensive or Lite Expanded Plan to $2,500 on a WTP Gold Plan. Our Baggage Delay Coverage, which provides reimbursement for replacing necessities when your baggage is delayed or misdirected for a minimum of 12 or 24 hours, depending upon the WTP plan in effect, after your arrival at your destination. Reimbursement ranges from $300 to $500, again depending on the selected WTP plan.