San Juan to Makati

Is the Thai airport blockade covered by travel insurance?

The week-long siege lasted from November to December 2007.


Yes, according to MTB of the Blue Cross Insurance, Inc. travel claims deparment, civil commotion is covered.

The Thai blockade is considered a civil commotion.

Insurance News from Ritchie Baird

Client needs to produce airline certification on the number of days that flight was delayed, plus a newspaper article, hard copy or from the internet.  Blue Cross pays $ 100 per day, upto 10 days, under their Executive De Luxe Plan.  Client can also claim from the trip cancellation, trip termination and baggage delay clauses.

Blue Cross has more extensive civil commotion cover than Chartis.

ABC News

In case of the Icelandic volcano, Blue Cross policies do not indicate coverage for natural disasters, but for humanitarian and goodwill reasons, Blue Cross paid for flight and baggage delays, trip cancellation and trip termination.  In the future, Blue Cross cannot say whether it will pay for similar situations.

Chartis only covers flight delay in case of civil commotion.

Travel Insurance Review

Blue Cross covers baggage delay, trip termination and cancellation due to civil commotion: Chartis doesn't.

An Irishman in Ghana

Chartis considers the Icelandic volcano case a precedent; Blue Cross does not.


Travel Insurance and the Icelandic volcano

Travel Insurance and the Icelandic Volcano

Posted in finance,insurance,travel insurance by yangiwei on August 8, 2010

I don't even know how to pronounce the name of this volcano.

BBC News

My friend said that, with events like the Thai airport blockade and the eruption of the unpronounceable Icelandic volcanoEyjafjallajokull, that people are now more aware of travel insurance.

Blue Cross covers strikes and hijacks.

I asked GA of Chartis Philippines Insurance, Inc. how clients can claim from these two events.  She said that the client can claim only trip cancellation coverage from the blockade.  The Chartis Travel Guard brochure says that trip cancellation pays for the ‘loss of travel fare and/or accommodation expenses paid in advance and not refundable in case trip had to be cancelled due to the following events occurring within 30 days before the departure date:

  • Death, serious injury or sickness of the Insured Person, spouse, parent, parent-in-law, child, grandparent, brother, sister, business partner or co-director.
  • Unexpected outbreak of strike, riot or civil commotion at the planned destination.’

Chartis used to be AIU, which used to be Philam Insurance.

Blue Cross Insurance, Inc. has a similar provision.  The Travel Insurance Plans brochure says that the Trip Cancellation provision ‘provides reimbursement for the unused and non-refundable portion of your travel and accommodation expenses which have been paid in advance, if your trip is cancelled within 30 days prior to the scheduled departure date.  The cancellation must be due to death, life threatening condition or sickness of the Insured, or his immediate family member which require emergency medical attention, or due to unexpected outbreak of strike, riot or civil commotion at the planned destination.’

Chartis Insurance

Note that Blue Cross coverage does not include co-director and parent-in-law.

GA responds to email within the day. I need to call or text Blue Cross to get a response.

Blue Cross

As for the volcano, GA sent me this email:

‘Per advice of Regional travel, the Iceland volcanic eruption, a natural disaster, may be considered as “severe weather condition” which is a covered reason under our flight delay benefit.’

"Could another volcano erupt soon?"

BBC News

The Travel Guard brochure says this about flight delay:

‘Reimburses expenses if flight is delayed for more than 12 hours due to severe weather conditions, stirke of airline personnel or equipment failure of aircraft.”

My friend says that P 2,000 is not enough to pay for hotel accommodations.

CrossFit Saskatoon

The policy says, ‘This insurance will allow for a maximum of eight (8) payments for every twelve (12)-hour delay.’

GA says that the flight delay provision covers meals, transportation to and from the airport and accommodations.


As per Chartis Travel Guard Global brochure, the amount of coverage  is “Up to P 2,000 per 12 hours.”

Blue Cross premium is about 53% higher than Chartis'.


Although Blue Cross’ brochure says that the flight delay coverage is on reimbursement basis, their Claims Department and JC of the Travel Sales Department told me that the coverage is a flat amount, for example, $ 100 under their Executive De Luxe Plan.

For 19-day travel, Chartis premium is P 2,161; Blue Cross, $ 73.