In these times of crises in Egypt and Tunisia, THIA has issued a notice of insurance that every traveler should have in his possession before his departure in a country in the Middle East.
We can never repeat the importance of having good travel insurance and know what is included and excluded.
Insurers are urging travelers to take out insurance for any travel Middle East
TORONTO, ONTARIO - (Marketwire - February 7, 2011) - Canadians planning to travel to the Middle East must make sure to purchase adequate travel insurance to protect against the possibility that the agitation Egypt is spreading to other countries in the region, this is indicated by the Travel Health Insurance Association of Canada. The Department of Foreign Affairs and International Trade of Canada issued a warning to Canadians considering turning to go to Egypt, advising against all travel to this country.
"The agitation in Egypt should not be seen as an isolated event," said David Hartman, president of THIA. "The situation is likely to have implications beyond the borders of Egypt. As a result, tourists, expatriates, students, executives and family members visiting from Canada, must remain vigilant and protect their lives and property when traveling in this region.
He said that travel insurance may cover not only the costs of medical emergencies resulting from riots or civil disturbances in accordance with the terms of the policy (provided that the client does not participate actively in events), but also cover the costs of the customer in case of cancellation, interruption, travel delay or other disruption thereof and that the Canadian government has issued a travel warning after the effective date of insurance. However, when a warning advising against all travel to a country is issued, travelers may find themselves unable to be covered by insurance for any disturbance in this country.
Mr. Hartman noted that the insurance will not protect travelers against a stray bullet or a physical attack if they are in the wrong place at the wrong time. However, insurance can help them get help and advice if they become blocked because of street riots, if they need to contact their government or their families if they are stuck in an airport or hotel, they have lost their luggage or if they suddenly need medical care or legal assistance.
"Similarly, travel insurance will not cover losses to clients who voluntarily participate in riots or acts of civil disobedience, or disregard the advice of authorities who try to keep the away from harm by keeping them confined to their hotels or other shelters, "said Hartman. "In general, when traveling are interrupted or canceled, airlines, hotels and tour operators will provide assistance to try to find alternative travel arrangements for their clients.
Mr. Hartman also advises strongly travelers planning trips to the Middle East in a near future to consult with qualified advisors who have experience in selling travel insurance and guide them in the purchase of suitable products: stressing what is covered, under what conditions and, more particularly, what can not not be covered.
"The situation is somewhat more complicated than advise people to buy insurance for a weekend trip across the southern border of Canada, "said Hartman." It also requires constant vigilance over the activities in the region of destination and regular monitoring of travel of the Canadian government . He enters the customer's responsibility traveler understand the terms of coverage and what protection it buys.
About THIA. THIA is the national organization representing Canadian travel insurers, brokers , underwriters, reinsurers, corporations relief, air ambulance and related services in the field of travel insurance. His website is: http://www.thiaonline.com.
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