What to do if natural disaster or political unrest hit your vacation destination
With hurricane season officially upon us, Canadians should know what to do if their vacation destination is hit by a natural disaster or political unrest.
Allianz Global Assistance Canada, a leading provider of travel insurance and assistance services, stresses the importance of protecting yourself before you even leave on your vacation.
“In the case of hurricanes, that timing is crucial,” says Dan Keon, Vice President, Market Management, Allianz Global Assistance Canada. “If you want to protect your investment with trip cancellation coverage, you need to purchase your travel insurance at the same time you book your trip. Once a storm is named, it’s then considered a known event, so policies purchased after that are no longer applicable. On the other hand, trip cancellation coverage purchased in advance of hurricanes developing may reimburse you for your non-refundable costs if you have to cancel as a result before you leave, or for unexpected expenses if you’re stuck in the destination and can’t return home as planned due to the weather or the destruction it has caused.”
Atlantic hurricane season officially began this month and runs until the end of November, posing a potential threat to Canadians who may be travelling to the Caribbean or southeastern U.S. The National Oceanic and Atmospheric Administration (NOAA) is predicting that the 2019 season will bring up to 15 named storms, with up to eight developing into hurricanes.
“Allianz assisted 114 Canadians who were affected by the hurricanes last year,” adds Keon. “Although their vacations were not as pleasant as they planned, at least they were not burdened by additional expenses which were covered by their travel insurance.”
Hurricanes and other natural disasters are not the only concerns travellers should be aware of before they book. Keon advises Canadians to closely monitor federal government travel advisories to avoid being unexpectedly caught in political unrest abroad.
“If the government issues a warning against all travel to a region after you have booked your trip and purchased trip cancellation or interruption insurance, your insurance may cover you if you cancel your plans,” says Keon. “However, similar to the hurricane example, if an advisory has been issued already before you purchased your travel insurance, it will be considered a known event and no longer eligible as a reason to cancel. That’s why it is so important to check government advisories before you book and purchase travel insurance at the same time.”
The government updates its travel advisories on a daily basis.
“Most Canadians know the importance of getting medical travel insurance before they travel, but they may not be as aware of the importance of trip cancellation and interruption insurance to help prevent a major financial loss, particularly with the recent increase in unpredictable weather and political unrest,” Keon adds. “Most trip cancellation plans include a list of specific situations that are covered as eligible reasons to cancel your trip, so travellers should review their policy of insurance in detail to understand which situations – such as hurricanes and political unrest - are covered, and which aren’t. If any aspects of coverage are unclear, contact your travel insurance provider for more information. Being informed will ensure you understand the full range of coverage available to you while avoiding any surprises should you need to claim.”
Allianz Canada receives more than 2-million calls for assistance each year. Travellers can also download the Allianz TripWise app to access needed assistance during a storm or cultural upheaval. TripWise will also help with medical emergencies such as finding the closest Allianzreviewed local healthcare provider with the phone number, address and website. The app includes 2,000 hospitals in 129 countries.
Allianz Global Assistance (Canada)
Depuis 30 ans, Allianz Global Assistance offre son soutien aux voyageurs canadiens lorsqu’ils en ont le plus besoin en leur offrant des services d’assistance et une assurance voyage à valeur ajoutée. Plus de 800 employés appuient des partenariats durables avec certaines des marques les plus connues des marchés des services financiers et du voyage. L’entreprise gère également les appels entrants et les demandes d’indemnisation de grands assureurs de soins médicaux, d’assureurs de dommages et d’entreprises de cartes de crédit. Allianz Global Assistance est une marque spécialisée d’Allianz Partners en ce qui concerne l’assurance voyage et les services d’assistance et est une dénomination commerciale enregistrée d’AZGA Service Canada Inc. Visitez le site Web d'Allianz Global Assistance Canada pour obtenir plus de renseignements.
Soucieux d’offrir des soins et des protections dans le monde entier, Allianz Partners est le leader mondial B2B2C dans les domaines de l’assistance, l’assurance voyage, la santé à l’international, l’assurance automobile. Ces solutions, combinaisons uniques d’assurance, de services et de technologie, sont conçues pour s’intégrer à la stratégie de ses partenaires ou sont proposées en vente directe via des canaux digitaux. Le groupe commercialise ses services sous différentes marques : Allianz Assistance, Allianz Care et Allianz Automotive.
Allianz Partners compte plus de 19 000 salariés dans 78 pays parlant 70 langues et traitant 54 millions de dossiers chaque année, protégeant clients et salariés dans le monde entier. Visitez le site Web d'Allianz Partners pour obtenir plus de renseignements.
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