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Wayne: What nonsense. Ive visited 43 countries in the past 18 months and not a single one demanded travel insurance. Perhaps some do, but whatever your point is, its certainly based on flawed assumptions. London has long been regarded as a claimant-friendly place for libel actions because defendants are deemed and ldquo;guilty and rdquo; until they have proved their innocence, the opposite of the usual burden of proof in criminal cases. Damages are also typically higher in the UK and the costs so expensive that defendants often feel compelled to settle out of court, even though they may be in the right.
Had you taken a little time to read the fine print when you booked your cruise, you would have seen that this is technically not travel insurance, but "protection. " Whats the difference Mainly, your policy is cheaper than a comparable travel insurance policy, but its also not regulated by the state. So if you have a problem with, say, a late payment, you could be out of luck. Im a little skeptical of any product that sells itself as "insurance" but doesnt play by the same rules as the other insurance companies. As a matter of fact, Ive followed this particular company for a few years, as it has changed names and relocated to various states, always offering a form of traveler "protection. " Its a troubling pattern.
Bank closings: A number of banks have been closed by the FDIC this year, and I suspect theyre just getting started. The Federal Deposit Insurance Corporation is a depositor insurer; surviving banks are charged premiums to cover losses at those banks closed. The loss numbers are getting up there, so lets use some of the returned TARP monies to fund the FDIC losses for the remainder of this year. These premiums come out of earnings, so depositors and borrowers are actually paying for the insurance through lower or higher interest being passed on by the banks. Just as well to get those costs out of the hidden tax column.
And ldquo;Most of our traditional western markets like the UK, Germany and France, have issued travel advisories. These travel advisories have such a big impact on Sri Lanka because we are mainly a and lsquo;group-travel and rsquo; destination. That is, people come, or do not come, in groups. When there are adverse travel advisories issued by their governments, they have difficulty getting travel insurance. So most of the time they don and rsquo;t come, and rdquo; said the President of the Tourist Hotels Association of Sri Lanka, Srilal Miththapala.
Former British Prime Minister Margaret Thatcher attempted to introduce a system of vouchers. Under her plan, health providers would receive little direct funding. Instead, most government funding would travel with patients and be exchanged for government funds by the medical providers selected by patients. For many, the wealth they thought they had now, sadly, is just a memory. A lack of money is a real problem for the millions of Americans who cannot afford health insurance to shield them even partially against medical catastrophe.
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