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What type of coverage do you need?

It is an unfortunate reality that traveling today requires cautionary diligence. No destination is completely safe, regardless of a welcoming, friendly environment.

Wherever you go, there is always a chance that a civil disaster of some sort might affect you. War, civil unrest or terrorism could very easily threaten your safety. Even in the most unlikely of places, there is always a chance that something like this could happen.

If a civil disaster threatens your travel plans, your travel insurance can come in handy.

How Travel Insurance Covers Civil Disasters

These policies can often help you before you travel, and during your trips. Every travel policy defines the conditions of terrorism, war and civil unrest differently.

Should an incident occur at your intended destination, travel insurance may help you cover lost costs if you cancel the trip. If such an event occurs during your visit, insurance might help you cover re-booking fees. It may also cover limited instances of personal losses.

Policies are often very strict in what they define as a civil disaster. A political protest with police clashes may not pose an imminent threat to travelers. Your policy may not cover your costs if you decide to leave the area. However, a civil war or violent uprising might pose a direct threat to travelers. You may be able to recover costs if you have to cancel your trip.

Additionally, most travelers have to assume a level of responsibility if they go to potentially unsafe areas. Policies may not cover travels to certain areas.

Protecting Yourself While You Travel

Whenever you go to an unfamiliar destination, always remember that you are not a local expert. In the event of a civil emergency, you have to take steps to protect yourself. Proper caution can greatly increase your safety.

  • Keep all of your travel documents in order. Make sure you have an up-to-date passport and photo identification that you keep with you. Furthermore, it is often a good idea to carry you health insurance card, social security number, and other personal information. However, you have to guard this private information. Always keep it on your person and never share it with an unfamiliar person. Never put these items in your back pocket.
  • Travel inconspicuously. Don't display your wealth or personal assets prominently. Rely on trusted individuals like tourist guides and visitors bureaus for information. Always know how to avoid unsafe areas. Keep aware of your surroundings at all times.
  • Know the local resources like medical services, police and other law enforcement.
  • Keep a line of contact with home. Someone should always know how to get in touch with you or local authorities in case of a problem.
  • If traveling abroad, know local resources for American citizens. These may include consulates, embassies and the State Department. In cases of problems, these outlets post current information for impacted Americans.

Proper travel insurance can protect you in cases of civic disasters. However, it is your responsibility to protect yourself wherever you travel.

The Weimer Group can help you get a strong, reliable Perkasie travel insurance policy. Call us at (215) 257-9171 for more information, or request a quote now.

Posted 7:24 PM

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