Tricky situations abroad
- Q. Which countries are excluded from your policies?
A. In the wake of current middle east affairs and health situations there may be heightened tension and some disruption to travel world-wide. All travelers must take into consideration the advice of the Foreign & Commonwealth Office.
Our policy does not provide cover under any section of the policy if your travel is to an area where the Foreign and Commonwealth Office has advised against 'all travel'. If you are not sure whether there is a warning for your destination, please check with the Foreign and Commonwealth Office (Tel. 020 7008 0232 or 020 7008 0233 or visit their web-site at http://www.fco.gov.uk)
- Q. How does SARS affect travel insurance from Dogtag?
A. Severe Acute Respiratory Sickness (SARS) is a cause for concern to all travelers and our underwriters have issued the following guidance which you need to read and understand.
- Cancellation. If you are cancelling due to concerns over SARS or new health guidelines this is not covered. Tour Operators and Airlines are generally flexible enough to accept a change of holiday destination due to a 'major' situation taking place that is outside the control of the customer
- Travelling against official advice. If the World Health Organisation and/or the Foreign and Commonwealth Office issue specific advice against travelling to an area due to a health issue such as SARS and you choose to ignore such advice then the insurance will not cover you for claims related to that health warning.
- Impact of travel advice issued after travel has commenced. Any individual who is in an infected or at-risk area and has or had been so prior to the World Health Organisation and/or the Foreign and Commonwealth Office issuing specific advice against travelling to that area due to a health issue such as SARS would remain fully covered, but you should contact the emergency number given on your cover letter before incurring any costs.