After discussion with the underwriters,
the conclusion is that in this particular case group insurance will not work
for the Intelnet group. The requirements are that at least 10 persons travel
on the same itinerary and everyone on that itinerary must take the insurance.
There are too many sub-groups created by the various travel plans of seminar
attendees to facilitate meeting these requirements.
While theoretically possible to accommodate those who are doing the pre-seminar
events in Rome plus the seminar and then returning home, even those plans
have many variables. For the same reason, the Sicily group is problematic
as there are independent before and after travel plans.
My recommendation at this point is for each person/couple to purchase independent
insurance that provides medical coverage and travel interruption/cancellation
insurance up to the amount selected by the purchaser. It is not necessary
to insure items that are reimbursable (e.g., hotel rooms that will not be
paid for until a person checks out of the hotel), but that decision should
be made by the individual. On the other hand, any non-refundable amounts should
be protected by insurance.
Usually, a non-refundable airline ticket should be insured, either in full
or to the amount it would cost a person to change the dates and apply the
balance to a new ticket.
I advise that those interested in insurance coverage contact me on an individual
basis if they have questions or wish me to process an application for them.
It is possible to purchase emergency medical coverage only, or the classic
cancellation/interruption insurance with the medical coverage.
Suzanne Drumm
804-740-0135