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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

This election season, Demetrius Short is hustling to get his people to the polls.“We have the wonderful opportunity as African American men to be here today,” Short said to a group of young African American voters outside a polling site in Nashville, Tennessee. “The next John Lewis might be right here.”Short is the founder and CEO of the Transformation Life Center and Steps of Success 5K, nonprofits mentoring youth living in underserved communities. Now, Short and his team are using physical fitness to inspire political change by leading young Black men on runs and talking about becoming better people afterwards.“Going out, taking your niece and nephew that may not have a father, being that father or mother example to them and just be the change you want to see,” Short said.During this presidential election, Short is reaching out to college students from Fisk University, a private historically Black college in Nashville.“We’re here to come out here and inspire change in our community and inspire young people to really vote,” said Myles Harris, a recent Fisk University graduate.Harris says he is motivated to get more members of African American communities to have their voices heard and their votes counted.“A lot of people don’t vote because they don’t see the point, they don’t understand why it’s so important,” he said.Many members in the local African American community do understand the importance of this election and are calling this political movement inspiring.“Us Black folks are still fighting. It’s time for a change, man,” said Norman T. Wilson. “So, it’s good that they are trying to get them to vote. votes matter, whoever they vote for.”According to the Pew Research Center, the Black voter turnout rate declined in 2016, falling to 59.6% after reaching a record-high 66.6% in 2012.That’s a trend Short wants to change, not by swaying young people’s votes, but through politics, one step and one vote at a time“We don’t have to riot. We don’t have to do it the bad way,” he said. “We can go to the polls and we can do it the democratic way. The way that our country, I believe our country was set up to do." 2151

This data hack is huge -- 1.4 billion passwords are now floating around on the dark web. In December, a massive data leak was discovered, and many computer gurus are capable of accessing the information, said cybersecurity expert Dan Petro. "Certainly like one of the biggest password leaks ever," said Petro.Hackers combined smaller lists with new hacked data into one massive database."If you're like almost everybody else, you probably just have one password or maybe a small set of passwords you use for basically everything. So having these leaked online is threatening not just to your one account but perhaps all the other ones," Petro said.Rob Hanna was one of the many internet users whose password was exposed. Within seconds of accessing the database, someone could easily find his hacked password and email."I’m really quite stunned about that. That's scary. And I've been pretty careful about trying to really manage that for a lot of years," said Hanna.Even if your bank account password is different, Petro said with access to your email account, hackers can get into your bank using the "forgot password" feature. It often emails you a link that lets you or a hacker set up a new password.Security experts recommend frequently changing passwords, using hard-to-guess passwords. For those who have a tough time remembering passwords, something called 2-factor authentication can help.Most email services let you turn it on in your settings. Whenever someone tries to sign into your account from a new computer or phone, not only do they need your password but a secret code texted from your email company to your phone. You must enter both."That way if your password gets leaked in a large online database such as this one attacker still won't be able to log in," said Petro.Hanna, who has kept a spreadsheet of his emails and passwords for different sites, now has a task ahead of him: figure out which of the several dozen logins he uses must be changed so no one does any damage using his hacked information."So if that kind of got out and someone really wanted to kind of take a run at me that could give them a lot control," Hanna said. 2199

Toys 'R' Us is filing for bankruptcy protection.The toy retailer has filed for Chapter 11 bankruptcy protection in the United States, it said in a statement on Monday. Meanwhile, it said its Canadian subsidiary will "seek protection in parallel proceedings" in the Ontario Superior Court of Justice.The company said it will use the proceedings to restructure its billion outstanding debt. 399

THOUSAND OAKS, Calif. — Actor Kirk Cameron held a “peaceful protest” against coronavirus pandemic restrictions Sunday, getting together hundreds of people in Southern California to sing Christmas carols.Video shared on Cameron’s Facebook page shows a large crowd, tightly packed without masks, singing carols with musicians at a mall parking lot in Thousand Oaks. At one point, Cameron tilts the camera down to himself and gives a thumbs up. 449

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