Speaking in Layman’s terms is essential when it comes to understanding the intricacies of the insurance language, especially if you have no experience or prior knowledge of the industry. What we’re aiming to do here at Insurance Services of America is help you understand in a way that makes sense, but also is accurate. Today there was an article published by USA Today, “How much should you heed State Department Travel Warnings?” When reading the article it mentioned Travel Warnings and Travel Alerts. The first thing that popped into my head was, “Is there a difference?” Turns out, there is…
The definition of a “Travel Warning” is described as, “long-term, protracted conditions that make a country dangerous or unstable leading to the State Department to recommend that Americans avoid or consider the risk of travel to that country. The Travel Warning is also issued when the U.S. Government’s ability to assist American citizens is constrained due to the closure of an embassy or consulate or because of a drawdown of its staff.”
The definition of a “Travel Alert” is described as, “Issued to disseminate information about short-term conditions, either transnational or within a particular country, that poses significant risks to the security of U.S. Citizens. Natural Disasters, terrorist attacks, coups, anniversaries of terrorist events, election-related demonstrations or violence and high-profile events such as international conferences or regional sports events are examples of conditions that might warrant a Travel Alert.”
This relates to your travel insurance needs in many ways, most people don’t realize that your current US Insurance carrier will not offer you any benefits while you are overseas. Especially when one of these “Alerts” or “Warnings” go into effect. To make matters worse there are some travel insurance plans that won’t cover you in areas of conflict. That’s why here at Insurance Services of America we know the ins and outs of many different travel plans so that they can be customized to your specific travel insurance needs. Examples: War & Terrorism, Cancel for any reason, Emergency Medical Evacuation, you name it and we’ll work with you to figure out the best plan to fit your needs.
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