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Political disorder is not normally covered under standard travel insurance.

For Egyptian travelers this news has come to late, and I am sorry about that. Trust me, I understand how bad it sucks to have to be the example from which others learn. So, in order to empower other travelers who use insurance, I decided to get the word out about travel insurance as it relates to civil and political upheavals.

If you find yourself or trip on a collision course with a political uprising, the first thing to do is check your policy. Some will cover your expenses if your travels are setback because of civil disorder. Though, keep in mind, while most policies do not include cancellation and/or interruption coverage for political unrest, there are a few exceptions.

Carol Pucci, a travel writer for the Seattle Times, explains that travelers who want the extra protection from civil uprisings have a couple of options, including “Cancel for Any Reason” policies. However, these policies are pricey, normally tacking on 50 percent or more to the cost of a trip with a reimbursement of only 50 to 75 percent of your prepaid travel costs. Thats pretty pricey, especially when you consider standard insurance usually only adds 8 percent or less to the cost of your travels.

Another option for travelers looking for political unrest coverage may be the American Express Global Travel Shield classic plan. “It’s coverage, broader than most companies offer, is something to consider for trips to other destinations,” Pucci explains. She adds that the companies coverage relating to Egypt’s protest is no longer offered, because the company views the country’s unrest as a “foreseeable event.”

Have you ever been caught in the middle of a political uprising? If so, or if you have tips for travel insurance, feel free to leave your advice in the comments.

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