You need not have a one-way ticket to Monrovia, Liberia, for the Ebola virus to disrupt your trip plans. Although domestic travel has been largely unaffected by the current outbreak, tourism operators in Africa report widespread cancellations and below-projected bookings, according to National Geographic.


And with physicians and volunteers flying in between affected nations and the United States every day, getting on any plane can be nerve-racking, specifically if you do not have travel insurance coverage.


Fortunately, your odds of contracting Ebola are quite low, even if you are traveling to Africa. And Sierra Leone, Guinea and Liberia – the 3 countries at the center of the outbreak – aren’t common destinations for Americans, notes Linda Kundell, a spokeswoman for the U.S. Travel Insurance Association.


But if you are traveling to West Africa, or just prefer additional protection, take into account insurance when booking vacation travel and know what it covers.


Do you have adequate medical coverage?


If you have wellness insurance coverage, your provider will most most likely cover Ebola remedy. Nevertheless, must you come down with Ebola – or another illness – even though you are in yet another country or outdoors of your health care ne2rk, you may nonetheless be liable for some expenditures.


1st, there’s the cost of your initial therapy. If the closest hospital does not accept your insurance coverage, you may possibly face a substantial out-of-pocket expense. And if the closest hospital doesn’t have the facilities to treat you, or you’d choose to be treated closer to residence, you may possibly call for healthcare evacuation, which can cost much more than $ 100,000, according to the Centers for Illness Handle and Prevention.


Travel insurance comes in handy for these sorts of circumstances. “If someone contracts Ebola throughout a trip and needs therapy or medical evacuation even though they are away, that would most likely be covered,” mentioned Kundell.


Common travel insurance plans cover between $ 100,000 and $ 1 million in healthcare evacuation – limitless plans are also accessible – and among $ 10,000 and $ 50,000 in treatment positive aspects. If you begin your course of therapy although on trip, a lot of policies will continue to cover any shortfalls in your normal insurance once you get residence, up to policy limits.


What if you can’t go?


The U.S. government has issued level 3 travel warnings – that is, it strongly advises against nonessential travel – to Liberia, Guinea and Sierra Leone. If you had planned to fly to 1 of these nations for other than humanitarian factors, no one would blame you for wanting to cancel – or at least delay – your trip.


And if you did cancel, some travel insurance would cover it, as extended as your insurer doesn’t exclude pandemics and you created the reservation prior to the alert was issued. If you made it soon after, and basically adjust your mind, you will be accountable for the consequences with your airline, including any change fees.


Other, a lot more standard, reasons for not being able to take a trip also apply. “If somebody has to cancel or interrupt a trip because they, a traveling companion or close family member becomes ill, that would usually be covered,” Kundell stated.


Travelers can purchase plans covering 25% or a lot more of their expenses if they have to cancel or interrupt their trip. These advantages apply to non-refundable purchases like unused airline tickets and hotel and tour reservations.


What if you make a decision not to go?


Most travel insurance coverage plans will not cover a alter of heart unless you purchase the appropriate policy.


“A ‘cancel for any reason’ policy would cover a person if they want to cancel their trip simply because they are afraid to travel in general. Nonetheless, when it comes to common travel insurance coverage policies, fear is not a covered cause,” Kundell said.


“Cancel for any reason” policies may well be a great investment for those most likely to get cold feet or whose insurers exclude pandemics, but they are high-priced. Kundell estimates that they price 40% to 50% above the standard travel insurance policy premium, on typical.


Travelers can also opt for refundable plane tickets, but they’ll spend the value for those as nicely.


In other words, if you select to cancel your trip to Paris – or even Ghana – because of Ebola fears, you’ll be out of luck with your travel insurer unless you are willing to part with some serious cash.


What else do travelers want to know about insurance?


Like any insurer, travel insurance firms don’t want to take on unnecessary risks. That indicates that even though canceling your trip for “the wrong reasons” could leave you unprotected, so could going ahead with it against expert suggestions.


“Some businesses may exclude coverage to areas exactly where there is a government advisory against traveling and/or exactly where there is an epidemic,” Kundell stated.


And if you are nevertheless unsure about your scenario, your greatest bet is to verify with your provider.


“The best suggestions would be for a traveler to verify with the individual travel insurance coverage company to be particular about what is and what is not covered,” Kundell said.


Ebola illustration via Shutterstock.