When travel insurance covers natural disasters
A co-worker is meant to be going on holiday for a week in Fiji. Leaving Saturday. If you're unaware of the news:
you get the idea.
Yesterday, authorities met to decide if it was going to be declared a state of emergency, but decided, for now, not to do so.
My colleague has travel insurance - but at what point does it become valid to use? Obviously if the plane can't land, it's probably covered, but does 'the beaches are ruined, so we want to change our flights' get covered, if no state of emergency has been declared? They are flying with Air New Zealand.
Best Answer
I'm not really sure that it covers what you're proposing. Although I never travel through a travel agent, I know that you can buy additional "level" of insurance that covers trip cancellation and depending on when you cancel your trip (a month before departure, a week, a day), you get a certain percentage of your full amount (you obviously get less if you wait for the last day).
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What is catastrophe travel insurance?
Provides additional cover for cancellation and additional expenses as a result of a catastrophic natural event, such as: fire, flood, earthquake, storm, lightening, explosion, hurricane or volcanic eruption which is unknown and unforeseen at the time you purchase the insurance or book your holiday, whichever is the ...What travel insurance will not cover?
Losses due to venereal disease, AIDS virus, pregnancy (except complications of pregnancy), or abortion. Losses due to mental, psychological, or nervous disorders including anxiety, depression, neurosis or psychosis. Losses due to nuclear radiation or radioactive contamination.What is natural disaster cover?
Natural Disaster Cover makes sure you're covered in the event of a disaster. We protect against the following natural catastrophes: Get A Quote. Want to find out more about our cover?Which circumstance events incidents etc are not covered in travel insurance?
Most travel insurance policies do not cover claims involving psychiatric or emotional disorders such as schizophrenia, bipolar disorder, or depression. (In rare cases policies may cover these conditions if hospitalization is required.)Does Your Travel Insurance Cover Airline Strikes? Travel Vlog
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