Jan 20

I have been daydreaming recently about how easy it used to be to fly.  For those of us who traveled before 9/11, our biggest worry may have been ‘what movie is being offered on the plane?  Or should I ask for the pretzels or peanuts?’

Boy, travel sure has changed since then.

Thanks to the antics of the “Christmas Day bomber” over Detroit, the rules and processes for entering the US resulted in a bit of Transportation Security Administration lunacy.  First, we were told that airlines landing in the US would not be permitted to allow passengers to stand one hour before arrival.  Then we were told that no one could cover their lap with a blanket, jacket or anything else, including a magazine.

I had to ask myself the obvious questions: Couldn’t someone light their undergarments 1 hour into a flight (vs 1 hour prior to landing)?  Or couldn’t someone ignite something hiding in the sleeve of a shirt (vs on their actual lap)?  Wasn’t this getting a bit silly?  I mean really, if you’re willing to blow your private parts up for the sake of terrorism, I think you could get up an hour and ten minutes before landing and achieve the same outcome in the toilet vs. in your seat?

I don’t mean to minimize the importance of security.  I want to be safe at the airport and on the plane as much as the next person. Yet, when I really stop and think about the number of flights going into and out of any major airport in the States, I am humbly reminded that safety cannot ever be guaranteed.  That is, unless each person that attempts to get on a plane arrives 6 – 10 hours before a flight, is strip searched, has a body scan, has every item in their possession analyzed and tested for chemicals and after the trauma of all of that, likely will need some emotional comfort before proceeding to their seat! (After all, we do love our therapy in the US!)

But really now – who wants to live in a world that has to operate this way?

Considering the number of flights that depart/arrive in the US each day, we seem to have relatively few security issues.  Statistically, we are doing pretty well.  Yet when something does go wrong, the TSA’s response is to come up with knee-jerk, laughable rules that last a week until someone sits down and realizes how truly ridiculous they are.

Somehow, instead of laughing, I just feel rather sad about the whole thing. I feel such a deep loss that a young man could be convinced that setting off an explosion in his underwear would be a useful and productive way to communicate a message of anger and hatred.  I even feel sad about the loss of his future, one that once appeared so promising. I feel for his parents and imagine their confusion and horror. I feel for the people on that flight who could have lost their lives. I think of their families and friends, particularly since I went to high school with a remarkable young woman who died on Pan Am 103.  How does one go on when such a tragedy occurs to a loved one?

And at the same time, I cannot help but think -  Is  it more ridiculous to blow up your undies than to have to monitor how much water you drink on a flight because you can’t get up 60 minutes before you land?

And today I am asking myself – what went wrong in this world that I have to write such a horrific blog post?

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Nov 17

Whether one travels for personal pleasure, work or for an academic experience, it is critical that insurance be part of the planning process.  There are 2 main types of insurance to consider: emergency/health insurance and trip cancellation insurance.

Emergency/health insurance is invaluable when leaving the U.S., even if just for a brief vacation. Most people in the U.S. don’t realize that their domestic health insurance policies may not cover illness or accidents abroad. If they do, they often require more lengthy paperwork to determine if and how to reimburse the traveler. Your regular health plan typically will not cover extreme emergencies such as medical evacuation to the region’s best medical facility.

Many international health insurance policies are designed to cover international emergencies, some including a policy provision that reimburses a family member for the cost of flying to the host country to be at the bedside of a seriously ill child or spouse.  While we don’t like to talk about the subject of death abroad, an international health/emergency policy also typically covers repatriation of remains to the home country.

The cost of the policy ranges depending on the age of the traveler and the length of time abroad.  Some companies allow insurance to be purchased by the week, while others only offer a monthly insurance option. I’ve seen prices range from as low as $12 a week to $35, and even $135 a month.  The cost will depend on age, with younger travelers being able to buy coverage more inexpensively.

If you are traveling for your job, remember to talk with your human resources office to determine what policy provisions are in place for international travel. What would the process be should you fall seriously ill or have an accident abroad? In many cases, having your company purchase a “one off” travel policy for you is well worth the expense. Note that under U.S. employment law, any injury that takes place while traveling for work is overed under worker’s compensation guidelines.  Should you be injured while abroad – whether it be tripping while walking on a street or being in a car accident – you should file workman’s compensation paperwork as quickly as possible.  Talk with your human resources office to determine how the process is handled at your job.

For student travelers, many programs abroad include traveler’s insurance.  You should ask for the complete policy prior to departure to determine if you require supplemental insurance. Many student programs include the ISIC (International Student ID card.) This card carries basic medical and accident insurance.

Reputable student programs, whether they be for academic credit, volunteer work or internships abroad, should have clear guidelines on their insurance requirements and policies.  With many students traveling to “non-traditional” locations around the work, many organizations have a risk management office to write and tweak policy and guidelines around these issues.  You should feel free to speak with the risk management officer when researching programs abroad.

The second type of insurance is trip cancellation insurance. This is key to avoiding financial loss should you suddenly have to cancel your trip abroad due to a true emergency. While each policy varies, most will cover reimbursement of trip expenses related to medical emergencies that take place prior to departure. these policies typically have a pre-existing condition clause, so be sure to read the fine print.

Note that these policies typically do not cover issues such as having a friend plan her wedding the week you are departing. Sorry, but the insurance companies cannot help you in these cases. Be sure to get your social calendar in order before you make your travel plans.

Safe travels!

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