Travel health insurance demand on the rise - 2005-09-26 -
[Cached Version]
Published on: 9/26/2005
Last Visited: 9/26/2005
"Among younger people, we are selling more [insurance policies]," said Alan Rosen, president of Sand & C Travel in Boynton Beach, an agency that is geared more to a senior clientele.
Rosen said his agency prides itself on educating consumers on insurance options, and trains its staff accordingly.
"There are agencies not too well educated themselves on insurance, but because of all of the events in the past five years, it's become more imperative," he said.
Those events, such as outbreaks of Norwalk virus and terrorist attacks covered in the media, feed demand for more policy coverage, Rosen said.
While local cruise line health and safety records are "excellent," clients read accounts in newspapers, or their doctors advise them not to travel, so the problem has become more widespread, he said.
"Cruise ships are required to file reports of [mass illness occurrence].It becomes a matter of public record," he said."With older folks, Medicare will not cover you outside the U.S. Even if you have the medical component, you probably won't have the medical cancellation, trip delay or evacuation insurance.That's not included 95 percent of times or more."
Rosen advises travelers to ask travel agents about what is covered, and under what situation.For example, deductibles can be affected depending on when a trip is cancelled.
"We offer several policies.With some, the premiums are based on age," Rosen said, adding he's seeing increased concerns about preexisting conditions, health during a hurricane and terrorist attacks.