Whether you are planning a dream vacation, a humanitarian relief mission, or a business flight, travel insurance can provide some peace of mind. The are no universal rules that apply to travel insurance when travel warnings are in effect for the county you plan to visit. Travel warnings vary by governments and severity.
Healthcare in the United States is expensive. Even a minor injury or illness can result in large medical expenses. Health insurance for visitors to the United States is required, especially for visitors from China, India, UK, Vietnam, Bangladesh, Columbia, Australia, South America, Europe and Mexico.
On April 29th 2009, the U. S. Department of Transportation, also known as DOT, passed regulations that place heavy fines on airlines that leave passengers sitting on the tarmac without food or bathroom privileges. DOT reports that in 2010 there were 98 percent less delays than in the same period for the previous year. Travel insurance has been impacted by the improvement. Insurance is still available for flight cancellations and delays. However, the problem is greatly improved on flights within the mainland United States.
If the United States government has advised against travel to your destination country, it unlikely to find a general travel insurance policy to cover the cost of flight delays or cancellations.
In the United Kingdom, effective January 2005, the sale of insurance, including travel insurance is regulated by the Financial Services Authority (FSA), under the Insurance Mediation Directive, All travel insurance providers are controlled with the purpose of generating customer confidence and obtaining an appropriate degree of protection for consumers purchasing travel coverage.
Individuals covered under the National Health Service in the UK may be covered when traveling, at a reduced cost, or perhaps free. Entitlement will vary dependent on whether your travels take you to a European Economic Area (EEA) or elsewhere abroad. Persons that live in or receive a pension from the UK are eligible for an European Health Insurance Card (EHIC). Supplemental travel insurance is a wise purchase for travel to countries where a EHIC card does not apply
Many countries require that all visitors, including Cubans living abroad, show proof of insurance upon entering the country. Beginning May 1st, 2010, Cuba requires all persons traveling to Cuba to take out comprehensive medical insurance prior to traveling. Insurance coverage must be valid for the duration of your stay in Cuba and should include coverage for medical evacuation and repatriation to your country of departure. If you cannot show proof of adequate insurance, you may be required to purchase coverage at your Cuban point of entry.
The Schengen Agreement requires visitors submit proof of medical insurance that covers all expenses or cost incurred for hospitalization or medical treatment while visiting European Union countries. Countries covered by the Schengen Agreement include Austria, Denmark, Belgium, France, Finland, Germany, Italy, Iceland, Greece, Luxembourg, Norway, the Netherlands, Portugal, Spain and Sweden. Proof of insurance is required before acquiring a visa to visit any of the 15 countries cooperating in the Schengen Agreement.