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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) -- Migrants in Tijuana took shelter from the rain Thursday beneath tarps and in tents as shelters remained overcrowded. Photos taken by 10News show makeshift camps where migrants hid in tents while others shielded themselves with tarps as rain drenched the area. Many of the migrants waiting to claim asylum say they’ve lost hope following a clash Sunday in which hundreds of migrants rushed the border in a show of force. PHOTOS: Migrants in Tijuana take shelter from the rainMeanwhile, Mexico’s President-elect Andres Manuel Lopez Obrador’s government signaled earlier this week that it may be willing to house migrants while they apply for U.S. citizenship. Mexico’s new foreign minister is also putting pressure on the Trump administration to contribute to development projects that would help create jobs in Central America. The Associated Press contributed to this report. 911
Three UCLA basketball players accused of shoplifting in China last week were flying back to Los Angeles on Tuesday, the commissioner of the Pacific-12 athletic conference said, hours after US President Donald Trump said he asked his Chinese counterpart to help in the case.The three freshmen -- LiAngelo Ball, Cody Riley and Jalen Hill -- were allowed to leave China on the US-bound flight after the situation was "resolved to the satisfaction of the Chinese authorities," said Larry Scott, commissioner of the Pac-12 Conference, of which UCLA is a member."We are all very pleased that these young men have been allowed to return home to their families and university," Scott said in a news releaseThe three were arrested last week while their team was in the Chinese city of Hangzhou ahead of the squad's season opener in Shanghai. They were questioned on suspicion of stealing sunglasses from a Louis Vuitton store near their hotel.The trio stayed at the hotel, reportedly awaiting next steps in their case, while their teammates went to Shanghai, where UCLA defeated Georgia Tech 63-60 on Saturday. The three also remained in China as their team returned to the United States over the weekend.Scott did not say how the case was resolved; a conviction of grand larceny in China could result in years of prison. But Trump said Tuesday that he had asked Chinese President Xi Jinping to help.UCLA's trip coincided with Trump's two-day state visit to the Chinese capital, Beijing, as part of his 13-day trip to Asia. Trump told reporters Tuesday that Xi had been helpful in working to resolve the case.Scott acknowledged Trump, among others, in his statement."We are grateful for the role that our Chinese hosts played, and for the courtesy and professionalism of the local authorities," Scott said. "We also want to acknowledge UCLA's significant efforts on behalf of their student-athletes."Finally, we want to thank the President, the White House and the US State Department for their efforts towards resolution."Trump's request was first reported by the Washington Post. 2086
Top North Korean officials warned the United States in a letter that denuclearization talks are "again at stake and may fall apart," sources familiar with the process told CNN.The letter was delivered to US Secretary of State Mike Pompeo, who abruptly canceled his fourth trip to Pyongyang, hours before he was scheduled to depart with his new special envoy Stephen Biegun on Friday, sources said.Three sources with direct knowledge of the North Korean position on denuclearization said the letter stated that Kim's regime felt that the process couldn't move forward because "the US is still not ready to meet (North Korean) expectations in terms of taking a step forward to sign a peace treaty."The US has so far been unwilling to replace the armistice agreement that ended the Korean War with a permanent, legally binding peace treaty, which would require the approval of two-thirds of the US Senate.If a compromise cannot be reached and nascent talks crumble, Pyongyang could resume "nuclear and missile activities," the sources said.The existence of the letter, sent to Pompeo by Kim Yong Chol, the former head of North Korea's spy agency, was first reported by the Washington Post.The Post, which characterized the letter as a "secret" communication, said it wasn't clear how Kim had gotten the letter to Pompeo, but suggested that it may have been sent through its UN mission.However, Pompeo has been relying on other backchannels, as opposed to dealing directly with his diplomatic counterpart North Korean Foreign Minister Ri Yong Ho, one source said."Before and after Pompeo became the Secretary of State, he seemed to be more interested in maintaining and engaging with Kim Yong Chol through a backdoor channel, rather than with his formal counterpart Ri Yong Ho," said the source. 1809
Travis Reinking was arrested and charged with four counts of criminal homicide in the Waffle House mass shooting in Tennessee. His bond was set for million, but many were outraged by the fact that he was even given a bond.According to Nashville attorney David Raybin, under Tennessee law, every criminal suspect, except those in death penalty cases, are entitled to a bond.Prosecutors could still decide to seek the death penalty against Reinking, but that decision is a long way off from being made.It is possible that someone either Reinking or his family could post the 10 percent or 0,000 with a bonding company and he could walk out of jail.However, Raybin made it clear there is no way Reinking will get out on bond.In the unlikely event the suspect makes bond, then several things could and would happen. The district attorney could immediately request a hearing to increase the bond to or million.The district attorney could also ask the judge to put very onerous conditions on the bond such as house arrest, an electronic monitoring ankle bracelet, 24-hour supervision, etc.More Stories: 1162