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Why not travel to Nepal NOW?
Kathmandu, June 16th 2015
At the present moment many governments have travel
warnings in place for journeying to Nepal. These have a big impact on travel
insurance.
The travel insurance situation is complex and not as
straightforward as it might seem.
If you are a resident of any EU country, USA, Canada
or Australia and thinking of travelling to Nepal we strongly advise checking
the wording of your travel insurance policy very carefully.
Buying a new travel insurance policy
Whilst
most people can go online and buy a policy for their Nepal trip, many policies
are completely or partially invalidated because of foreign government’s advice
against travel to Nepal.
Some people will be unaffected, some have wasted their
money and are unprotected.
Currently all EU countries, USA, Canada and Australia
have travel warnings against Nepal (June 14th 2015).
The most important factor is the country of residence
of the traveller. If that country’s government has a warning against travel to
Nepal the traveller’s insurance may be invalid.
What to do?
- Check the ‘General Exclusions’ section of the Terms & Conditions of the Policy before buying.
- If in doubt contact the insurance agent / broker selling the policy and ask.
Travelling on an existing policy
Many people buy annual travel insurance policies
Some people will have bought their travel insurance
policy before the earthquake of April 25th.
Again different insurers are taking different
positions on travel to Nepal: some will provide cancellation and curtailment
cover only; some provide full cover according to the original policy terms
- Contact your insurer and ask them specifically what your travel insurance covers and excludes regarding travel to Nepal.
- Ask specifically about any conditions that would prevent you from travel to the earthquake affected areas and what they deem ‘reasonable precautions’
Nepal and its people are ready to host and
entertain you!
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