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Demand for Travel Insurance Expected to Rise Post-Paris

20 November, 2015 | Travel Insurance

The events that recently transpired in Paris may likely reinforce the demand for travel insurance coverage, according to industry-watchers and providers. What happened to Paris was an eye-opener for many travellers, who are now more conscious of their safety and have come to understand just how deadly and unforeseeable acts of terrorism are, which can happen anytime, anywhere and by any means.

One travel insurance expert predicted a considerable surge in travel insurance applications within the next few months as travellers become increasingly aware of terrorist groups and their random, indiscriminate activities. Certain countries may not require travel insurance and only a handful of people regard it as a necessity, but the incident made it even more relevant in these uncertain times. The recent Paris terror attacks catapulted the issue of getting travel insurance to the forefront of travel safety discussions. If you're going to Europe, then all the more reason to purchase a plan. One important requirement for acquiring a Schengen visa is having travel insurance. Otherwise, your visa application may be denied.

Was the Paris incident considered terrorism as stipulated by many travel insurance policies?

The U.S. government defined terrorism and said definition has been accepted by the international community, including the United Nations. The Paris attacks have been called by media as such and the governments across the globe appear to be in agreement. Since terrorism is a valid reason to cancel a trip, your travel insurance plan may cover it.

If I had a pending trip to Paris, would my travel insurance cover me?

If you have an upcoming trip to Paris, your provider may cover you to cancel. If the trip has been scheduled in the next few months, there is a great likelihood that any cancellation won't be covered. Under the terrorism benefit, travellers must meet other requirements for their travel medical insurance coverage to take effect. Contact your provider for in-depth details.

A number of travel insurance policies impose a specific departure date from the time the attacks occurred. That's why read your policy and carry it with you during your trip. Many policies also require a specific distance from the traveller's itinerary and your duty is to present every piece of document you have that proves you had stayed at or near Paris. With enough proof, your provider can give the “go” signal.

Wherever you intend to go for the holidays, stay safe and pray that the Paris carnage would be the last of its kind!

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