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Time's "Person of the Year" for 2018 was revealed on the "Today" show Tuesday morning.The publication named "The Guardians" as their Person of the Year, choosing to spotlight killed and imprisoned journalists, such as The Washington Post columnist Jamal Khashoggi, who was killed at the Saudi Arabian consulate in Istanbul in October, and the journalists from the Capital Gazette in Annapolis, Maryland. Five of their employees were killed in a shooting earlier this year. 490

Traveling now carries with it more uncertainty than ever before. If you plan on traveling anytime soon, one thing you can do to protect yourself is get a trip insurance policy that includes coronavirus coverage. Previously, many insurers excluded COVID-related claims due to the virus’ status as a foreseen event/pandemic. But now, some insurers are changing their tune. Here’s what you need to know about how to find travel insurance providers that offer coronavirus-related coverage, as well as what is and isn’t covered.What is coveredCoronavirus coverage falls into several categories:Trip cancellation: You need to cancel a trip prior to departure because you, a covered travel companion or possibly someone you need to care for contracted COVID-19.Trip delay: Your trip is delayed due to changing COVID-related guidelines.Travel medical coverage: You (or a covered travel companion) become ill with COVID-19 while traveling abroad and incur health care expenses or require an evacuation.Of providers that are offering COVID policies, most are covering these expenses.What is not coveredCountries with Level 4 travel advisories: Some insurers disclose that if a Level 4 Do Not Travel advisory is issued by the U.S. Department of State for a specific country, you will not receive coronavirus-related coverage. With cases surging in various countries unexpectedly, the list of Level 4 countries is constantly changing. Before booking a trip and purchasing a policy, make sure to check that the countrydoes not have a Level 4 advisory.Fear of getting sick while traveling: Canceling a trip because you’re afraid you’ll get sick does not qualify for coverage under your travel insurance policy. Travel insurance providers have a list of standard reasons that qualify for cancellation, including: car accident, jury duty, terrorist act, military duty and other extenuating circumstances. If you want ultimate flexibility to cancel a trip (no matter the reason), you’ll want to look into the cancel for any reason, or CFAR, supplemental upgrade, which is offered on some travel insurance plans. When you purchase CFAR, you can get up to 75% of your nonrefundable deposit back as long as you cancel at least two days in advance. Not all plans offer CFAR as an option, so research before you purchase if you’re interested in this add-on.COVID-related events not directly related to you: If you planned on going to a conference or a family reunion that was canceled due to COVID-associated concerns, your travel insurer will not reimburse your nonrefundable flight or hotel accommodations.Finding travel insurers covering COVID-19Generally, the policies underwritten by U.S.-based travel insurance providers vary by state, trip information, travelers’ ages and other various details. Travel insurance comparison site Squaremouth is one of the very few comparison sites that allow you to filter by policies that offer coronavirus coverage.To find a policy that specifically covers coronavirus-related losses, input your departure and return dates, your main destination and select “Search for Policies Now.”In our example, we will input the following details: A ,000 paid-in-full trip to Greece leaving on Oct. 9 and returning on Oct. 18 by a 40-year old U.S. citizen who is a resident of California. The policy will include trip cancellation coverage.When incorporating the “Coronavirus Pandemic” filter, the results reveal that 40 out of 84 policies include this coverage. You can select additional filters, such as cancel for any reason, if you’re looking for that optional upgrade.The results can be sorted by price, top sellers, top reviews and insurance providers, offering plenty of ways to easily search for the specific policy you’re looking for.Each of the top three policies (which is just a sampling of the 40 options) includes coronavirus cancellation and medical coverage, and displays the associated limits. Trip cancellation coverage is ,000, representing the value of the trip. The price of the policy is clearly stated and ranges from 4.1% to 5.4% of the total trip cost. This range represents very typical travel insurance costs.The bottom lineOnce you narrow your search, you’ll want to review the full policy details to ensure you’re familiar with what exactly is covered and not covered. If you have specific questions — especially as they relate to the constantly changing travel advisories or whether coronavirus is considered as a foreseen event (which some providers will not cover) — you’ll want to reach out to the insurer. The last thing you want is to purchase travel insurance and later find out it will not cover you in your intended destination.More From NerdWalletWhy You Shouldn’t Book Airfare in Advance Right NowShould I Pay for My Hotel Using Cash, Points or Both?5 Travel Writers ‘Draft’ Their Favorite AirlinesElina Geller is a writer at NerdWallet. Email: egeller@nerdwallet.com. Twitter: @elina_geller. 4952

TIJUANA, Mexico (KGTV) - The first group of people from the migrant caravan have arrived in Tijuana, according to a Mexican journalist. According to journalist Jorge Nieto, the group has 85 people. This group is reportedly people of the LGBTQ+ community and they left the others behind because they felt they were being discriminated against. They arrived at the Tijuana bus station, then took buses to an Airbnb in Playas de Tijuana, paid for by U.S. lawyers with the caravan.RELATED: Bulk of migrant caravan is 1,600 miles away from TijuanaOnce at the house, neighbors clashed with the migrants, "Yelling at them go away go to a shelter, this is not your place, all you came here this is a safe area and we are afraid of you," Nieto said shelters aren't an option as they are already over capacity from the last caravan.Nieto said the migrants defended themselves, saying the neighbors could hurt them as well, "we're not going to make noise, we're not going to make any mess."One migrant spoke with reporters saying they had the right to seek refuge in another country and pursue a better life with respect.It's not clear when they plan to turn themselves into U.S. Customs and Border Protection (CBP) and seek asylum in the United States.The group will reportedly spend a few days in Tijuana to rest. RELATED: Interactive Map: Migrant caravan journeys to U.S.-Mexico border / Timeline: Migrant caravan travels to border / Photos: Migrant caravan makes its way to border 1531

There was a rare sight at San Diego City Hall on Tuesday.A local developer pitched a massive mixed-use complex with hundreds of homes to the council, in front of mostly empty seats. "Our focus has always been on creating a sense of place for the entire neighborhood," said builder Gary Levitt, of Sea Breeze Properties.Sea Breeze Properties plans to transform a 72-acre site just south of the 56 into hundreds of homes, plus offices, retail, and even a hotel and movie theater. The project, Merge 56, didn't get a single 'no' vote from multiple community planning groups.Some nearby residents even came to the meeting to support the project. But even with that backing, it still took five years just to get the council's unanimous vote of approval Tuesday.Levitt said the delays come from regulations, including environmental impact reports, and cost his company an extra million - about 15 percent of that in city processing fees.Councilman Scott Sherman said that is one reason we're in housing crisis. "At the end of the day all the prices get passed along to the consumer and the price of housing," Sherman said. Levitt said ideally it would take two years for a project to get approved. "It's a very expensive process and at the end of the day you're just playing with paper," he said. The project includes 242 new homes, condos, and apartments. Additionally, 47 of them will be affordable units. Two environmentalists did raise concerns about local impacts but the council didn't acknowledge them in their deliberation. Levitt's work, however, isn't done. He still has a number of permits to obtain. They're administrative, but he estimates it'll be about four months before he breaks ground.   1771

Thursday marks the third anniversary of a mass shooting that left 58 people dead and more than 800 people injured.On Oct. 1, 2017, a gunman in his hotel room at the Mandalay Bay fired into a country music festival across the Las Vegas strip, killing 58 people and injuring 411 others. A total of 867 injuries were reported at the scene.The city will mark the anniversary with a sunrise memorial. Clark County and the Las Vegas Metropolitan Police Department will co-host the annual event with the Clark County Fire Department and the Resiliency Center to honor the lives of the 58 victims who were lost.Social distancing requirements are in place during this year's event due to the COVID-19 pandemic.Watch the ceremony in the player below. 748