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If it's been a while since you've booked a flight, travel insurance is that thing that pops up at the end of a sale.“At the end, they’re going to say, ‘Hey, this many people bought travel insurance, don’t you want to buy travel insurance too?’ And I think a lot of people generally, before COVID, would think, ‘Oh they’re trying to upset me and move along,’” said Michael Parrish DuDell, chief strategy officer for Couponfollow.com. “But what we’re seeing, in fact, is that more and more people are saying, ‘I want that insurance I want to protect my future travel.’"Couponfollow.com was designed, DuDell said, to save consumers both time and money. He says the company is always asking consumers about their money and how they spend it.“As we looked closer at how people are traveling, where they were spending their money, where they were allocating their time, we found these little niche interesting areas,” DuDell said.He says those areas include things like travel insurance.“What we found is that 75% of people who had already booked flights had purchased trip insurance. That was a staggering number that is a 55% increase than what is thought of as the norm,” DuDell said.So, why the increase? Travel anxiety amid the pandemic is likely a big part of it.“There is so much uncertainty in the world right now, and of course that’s around the pandemic, but there’s other kinds of uncertainty too and I think people feel like they’re taking a strong risk in general when they’re traveling,” DuDell said. "So if they can mitigate risk in other areas, they’re willing to do that, to spend the money behind it.”Leslie Tayne, a financial attorney, author and frequent flier said, “There are a lot of caveats to whether travel insurance for airline purposes makes sense right now and frankly because the airlines allow you to make changes without a cost and last minute, there’s really almost no reason why you would get travel insurance.”She says these days, airlines are more accommodating than ever. And because there's been so much industry disruption surrounding travel, the future is being rewritten now.“I definitely believe they’re going to rewrite the travel insurance, they’re being investigated right now,” Tayne said. “It's being taken up in Congress in terms of the validity of the travel insurance and there’s some concern that travel insurance might be what’s termed either a ‘scam’ or a ‘money-making proposition’ that’s not really beneficial to the consumer.”In March, the House Oversight and Reform Subcommittee on Economic and Consumer Policy launched an investigation into whether travel insurance provided any “meaningful protection” for consumers. The investigation was spurred amid the onset of the coronavirus pandemic, when many travelers were canceling trips as states began implementing stay-at-home orders.“The evidence shows consumers are purchasing standard travel insurance products, thinking they will be covered if they cancel their trip because of coronavirus,” Rep. Raja Krishnamoorthi (D-IL), the subcommittee’s chair, said in March. “Yet, companies like Allianz, Travel Guard, and Generali are refusing to cover those claims. In the process they are encouraging dangerous travel.”So, when it comes to whether you "need" that insurance, Tayne says weigh your risks, consider where you're going and what you'll be doing.“My recommendation is to try to understand what the restrictions are and what you could use the insurance for when would it apply to you,” Tayne said.Tayne said if you're in a situation where it makes sense, don't make an insurance decision on emotion. Think of it as a business decision, and these days, we're all in the business of saving time and money. 3719

In 2016, President Obama used the Affordable Care Act to extend federal sex discrimination protections to people who identify as transgender.But after a recent move by the Trump administration, some of those protections are now gone.“What happened with the recent Trump administration ruling is that they basically said they were taking out that definition of sex discrimination and stated that it only applied to a person’s birth sex and couldn’t be applied to their gender identity and that they were no longer going to enforce any protections on the basis of gender identity," said Dr. Eliabeth Kvach. “I think there’s something to be said, to think about what it’s like to be a person where the government says you don’t deserve to get accessible health care,” said Andrew MillerKvach and Miller both work at Denver Health in Colorado. Both call the recent rule change in DC a direct threat to the lives of transgender men and women.“We have for example, 300 patients on our list to be able to receive vaginoplasty or gender confirming surgery for transgender women. And if you’re waiting years to get that surgery and then all of a sudden you’re worried about whether your insurance is going to cover it, that is enormously psychologically devastating to people,” said Kvach.“I think that we’re already seeing that with cases coming out of hospitals denying care to transgender and non-binary folks," said Miller.“I certainly think that it is dangerous to the lives of transgender and non-binary people,” said Kvach.Denver Health is a LGBTQ+ Center of Excellence. For the health system it means any patient regardless of sexual orientation, gender identity, or other LGBTQ identification can receive treatment from any doctor for any health need“LGBTQ health care isn’t specialty care, it’s just health care,” said Miller.And while Miller is an employee at Denver Health, this is an extra important issue for him personally.“I identify as a transgender man, and as I said before, my pronouns are he, him, his. I was born female, and at a certain point in my life, I recognized that being a woman didn’t fit for me, it was like I was living this false life,” said MillerFor him, and many trans people, being called the wrong name or the wrong pronoun isn’t just a simple mistake“When we say hey, my name is Andrew, that’s what I go by, but you call me my birth name, what I hear is, 'It doesn’t matter that I told you my name.' You get to be more of an expert on me than I get to be on me. Why should I feel safe that you’re going to actually take care of me, if you can’t even call me my name?” Miller said.For trans people around the country, this rule change might mean they could be denied hormone therapy or gender reassignment surgery. Procedures the transgender and health care providers who treat them, deem medically necessary.“Medical treatment with hormones and with surgery help a person’s body align with who they are, with their gender identity,” Kvach said.But it also means they have to be worried about being denied treatment for anything from a sore throat to life saving surgery.“I’m from the south, I think about it all the time. What it would be like to go back home and have a medical emergency and not be able to get care. To be a person denied health care, and it’s terrifying,” said Miller.And that increased anxiety can lead to bad health outcomes from avoiding preventative treatment to suicide.A survey from the Trevor Project released this month shows that more than half of kids who identify as transgender and nonbinary have seriously considered suicide in the last 12 months.While this rule change may be disheartening to many, institutions like Denver Health reaffirm their commitment to treating transgender people, like people“I want folks to be able to go to the doctor and feel safe. I want my community to survive,” Miller said. 3878

I will be leaving the great Walter Reed Medical Center today at 6:30 P.M. Feeling really good! Don’t be afraid of Covid. Don’t let it dominate your life. We have developed, under the Trump Administration, some really great drugs & knowledge. I feel better than I did 20 years ago!— Donald J. Trump (@realDonaldTrump) October 5, 2020 344

Hundreds of thousands of people braved wet and windy weather to attend Pope Francis' Mass at Phoenix Park in Dublin on Sunday, while thousands more gathered in the city center for protests against clerical sexual abuse amid fresh reports the Pontiff ignored allegations stretching back years."We ask forgiveness for the abuses in Ireland," said Pope Francis at the Mass, listing a litany of abuses including clerical sex crimes, a lack of compassion and action by church leaders and the separation of single mothers and children in industrial laundries."We ask forgiveness for all the times that we, as the church, did not provide survivors of any kind of abuse compassion, to look for justice, and the truth, and concrete actions, so we ask forgiveness," Pope Francis said at the Mass, which was expected to attract over 500,000 people and concludes his two-day visit to Ireland.The visit coincides with the World Meeting of Families, a gathering of the Catholic Church that was thrown into chaos last week by a Pennsylvania grand jury report detailing decades of sexual abuse and cover-ups by clerics. 1111

Hours after two Atlanta Police officers were charged in connection with the death of Rayshard Brooks, the department confirmed that an unspecified number of officers are calling off tonight.The city’s Mayor, Keisha Lance Bottoms, told CNN’s Chris Cuomo that some officers are being asked to extend their shift on Wednesday. Bottoms added that other jurisdictions have been notified and were asked to be on standby to provide the city with assistance.Despite reports on social media, Atlanta Police denied that officers are walking off the job.“The department is experiencing a higher than usual number of call outs with the incoming shift,” the department confirmed on Twitter. “We have enough resources to maintain operations & remain able to respond to incidents.”Bottoms acknowledged to Cuomo that officer morale is an issue.Earlier on Wednesday, Garrett Rolfe, who was fired from the Atlanta Police Department following the shooting, was charged with felony murder and 10 other crimes, including four counts of aggravated assault with a deadly weapon and several violations of his oath of office.Officer Devin Brosnan has been charged with aggravated assault and several violations of his oath of office. Brosnan was placed on administrative leave late Saturday.Brooks died on Friday night after Rolfe shot him in the parking lot of a Wendy’s restaurant.The Georgia Bureau of Investigations said that officers responded to a call of a man who fell asleep behind the wheel in a drive thru. The police accused Brooks of failing a field sobriety test, which prompted the officers to attempt to arrest Brooks.Video of the incident showed that Brooks then struggled with officers over a Taser. As Brooks took off withTaser in hand, Rolfe fatally shot Brooks.Brooks was transported to the hospital, and he died during surgery. 1836