Natural disastersdoes your Travel Insurance cover you?

By: Keith Mcgregor
Whilst the FCO will be giving out important travel advice and, inextremis, will have contingency plans in place to extract Britishnationals should it ever be deemed necessary, as occurred in 2006 inthe Lebanon, most of us will have to rely on tour operators and localrepresentatives to look after us when on holiday. This is where a good travel insurance policy comes into play which, when it all starts to go wrong on holiday, you can fall back on to get you out of trouble.

Returning to the fires raging in Greece, and this applies to any natural disaster in other regions of the world, most travel insurancepolicies will provide a level of specific cover that can be used tolessen the impact on the insured holiday maker.

This cover will rangefrom paying for alternative accommodation should the existingaccommodation become uninhabitable to cancelling your trip before youtravel or curtailing the trip once away. Before making such a claim, itwould be normal for your travel insuranceprovider to expect the tour operator to provide alternativeaccommodation free of any extra charges or offer a refund before makingany settlement.

Cover should also extend, but do check the small print as policiesdo differ, to providing emergency medical cover and repatriation in theevent that you or your travelling companions are injured or worse. Thisis no different from suffering a road traffic accident but becomes morecomplex when incidents are caused as a result of civil commotion andunrest or, sayComputer Technology Articles, a terrorist attack. Some policies provide cover for alleventualities but you will have to pay a hefty premium for this and youwill have to weigh up the risks of it happening and whether you shouldreally be there in the first place if looking for cover at this end ofthe travel insurance spectrum.

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