The US Department of Homeland Security’s Federal Management Agency (FEMA) announced that federal disaster aid has been made available to the State of New Jersey. FEMA is now accepting applications from residents and business owners who sustained losses in the following counties:
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Travel- whether you’re hitting the road, hopping a plane or taking a cruise, you’re spending some time away from home and usually are spending some money to do it. But what happens if your trip is interrupted by inclement weather, or an unexpected illness? Travel insurance and specialty medical coverage can give you peace of mind from the moment you book the flights or start the car.
What coverage is available?
There are two broad types of travel-related coverage for those leaving the United States:
Travel insurance covers the loss of the prepaid travel costs of a trip (like flights, hotels, etc.)should it be canceled, interrupted, or postponed. It also can reimburse unexpected expenses incurred due to a sudden change in travel plans due to illness or other causes.
Specialty medical coverage protects against personal insurance risks when someone is outside the United States.
The Insurance Information Network of California notes that trip insurance providers sometimes require a physician’s verification if a trip must be canceled before it occurs for illness. It advises buyers to check whether the travel coverage is “cancel for any reason protection”, or more limited coverage.
Trip interruption insurance is another variation. It can provide reimbursement for extra food and lodging costs if a traveler becomes ill during the course of a trip. Some plans cover medical costs. Trip delay insurance covers expenses a traveler incurs in resuming a planned trip or returning home after being quarantined in another country. Often these various coverages are bundled and sold together in a package.
Traveling abroad?
Short-term medical insurance may be appropriate for the millions of U.S. residents who travel outside the U.S. every year. Those who travel outside of America may be going beyond the boundaries of their medical insurance without knowing it, according to Clements International, a provider of international insurance policies.
Travelers may wish to consider short-term medical insurance if they’re traveling outside of the United States for an extended vacation or business trip. To determine whether it’s necessary, it’s advisable to check if a domestic health insurance policy covers out-of-country travel. If not, short-term medical insurance provides coverage for illnesses or medical evacuation that occurs while traveling outside of the United States.
International travelers face the same insurance risks (and sometimes additional risks) while outside the country that they do while stateside. Life insurance issued in the U.S. may not be available on the same basis while a person is traveling for an extended period as when not traveling. It’s prudent to check on the validity of life insurance coverage as part of the travel-planning process.
Check with your Trusted Choice® independent insurance agent about what type of insurance protection might be needed if taking an overseas trip.
You can contact Carrie Crockett at Schechner Lifson Corp 908-598-7848 or carriec@slcinsure.com for a Travel Insurance quote today.
Agents should encourage their clients in significantly impacted areas to register as soon as possible with FEMA for any Individual Assistance (IA). Insured’s should not wait for their company to deny a claim as this could have an adverse effect. If there are ANY doubts about coverage, get the insured registered.
Agents should also advise any residents or businesses to make sure they contact a Disaster Recovery Center (DRC) or call FEMA to register for any uninsured loss that may not be covered. Since a presidential disaster declaration was made, individuals may be eligible for Individual Assistance (IA). If there is any doubt, the insured should register NOW. There is only a 60 day window to do so.
Individuals who do not register, and later find that their claim was denied by the insurance company, may face further hardship.
Those registering can call 1-800-621 FEMA (3362) or visit http://www.disasterassistance.gov/. Businesses may also be eligible for SBA loans and should be encouraged to contact FEMA as well.
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Superstorm Sandy caused widespread damage and power outages throughout many states. To help mitigate future property loss, we would like to bring to your attention how a prolonged power outage can adversely impact a dry pipe sprinkler system.