Sheriff Bart
Footballguy
Ah true.I just said that because at this point, if available at all, it would be prohibitively expensive to get “cancel for any reason” insurance, which is what he needs.
See above.
Ah true.I just said that because at this point, if available at all, it would be prohibitively expensive to get “cancel for any reason” insurance, which is what he needs.
See above.
Also winning!I have an ample supply of wine and spirits but just placed an order at Total Wine for four more cases of wine and four big bottles of JD should this go to tax day or something.
Seems to be going around.Nope, he caught HaveAGoodSeasonGuy-itis.
Well that's a relief!Trump just put Pence in charge of the response for Covid-19. The guy who said smoking doesn't cause cancer, climate change doesn't exist and lobbied against HPV vaccines.
We're all gonna die.
Well, maybe the virus kills you. Surely that would pay out.I'm assuming this. I got the insurance for the first time ever due to the cost of the trip and I had some health issues a year ago. Got it Jan 8.
They definitely will. Cruise lines have also given refunds and credits to people who canceled due to the virus on Asian cruises that were later cancelled entirely, but I wouldn’t count on their continuing to be that generous as their businesses get killed. Definitely hold tight and see what they do. Keep in mind that your ports might change, though.We are going on Viking, and they sent an email out last week with an update. If it gets super bad by then, I'm sure they would cancel it and issue refund/credit.
we did a Viking river cruise two years ago and love them.They definitely will. Cruise lines have also given refunds and credits to people who canceled due to the virus on Asian cruises that were later cancelled entirely, but I wouldn’t count on their continuing to be that generous as their businesses get killed. Definitely hold tight and see what they do. Keep in mind that your ports might change, though.
I almost booked a vacation on Sunday for the Dominican, at Costco Travel, for June. Just checked and it's $400 cheaper......We are going on Viking, and they sent an email out last week with an update. If it gets super bad by then, I'm sure they would cancel it and issue refund/credit.
There are going to be some fabulous bargains out there. Getz, I’ve heard great things about Viking river cruises. Hope you’ll go and have a fabulous time!I almost booked a vacation on Sunday for the Dominican, at Costco Travel, for June. Just checked and it's $400 cheaper......
That's the best way to think about it. If a family eats 2 boxes of cereal per week on average, buying 100 boxes of cereal is a one year supply. Not a big deal. As long as you have a spare $1,000 to invest and the space to store, it would be foolhardy not to buy a bunch of groceries right now. It's not money that is going to go to waste as long as it's non-perishables that you would normally buy.[icon] said:advance grocery shopping
If you're over 80...this may be a good idea. If you're 60-80 and in poor health, this might be worth considering.Not to go full-on prepper, but portable solar panels can now be bought for under $100. It wouldn't take much electricity to charge cell phones and keep a deep freezer below 32 degrees Fahrenheit. A 10 watt usb fan would also be easy to charge and could be a lifesaver in a hot climate. Goal Zero has high quality portable solar stuff at moderate prices. For solar panels, it's probably more cost effective to buy cheaper panels from Amazon. But if you want to buy a portable power station (battery), you'll probably want to invest in Goal Zero because cheaper brands are all lemons. Having a portable solar panel is also nice to have while camping or even at the beach for the day. And a 10 watt fan can be the difference between a good night's sleep or a sweat-drenched restless night while summer camping.
I wouldn't advocate buying a solar panel if it wasn't so cheap. It can be thought of as a toy that you use 2-4 times a year while camping or charging phones/fan while having a picnic. It'd even be fun for kids to use in the backyard to power a boombox or fan. Kids will definitely want to use it as a novelty. As a bonus, if the zombie apocalypse happens, your deep freezer will stay frozen.If you're over 80...this may be a good idea. If you're 60-80 and in poor health, this might be worth considering.
For the rest of the population, there's really little reason to consider getting away from it all. At worst, ride it out at home with utilities and go to the store when you need to. If you get sick, do your best to take care of yourself and/or loved ones and you're highly likely to make a full recovery...also the younger you are the more likely it is you don't even know you're sick.
This isn't a high mortality rate virus across the board. For most folks under 50 who are relatively healthy, the mortality rate is in the realm of the flu, if a bit higher. It's at the upper ends of the age and health spectrum where things get pretty messy.
I consider "prepper" solutions to be those that kick in when the odds of dying from an infection, or the odds of social breakdown, are reasonably high. That's not this virus.
I thought I was stealing when I booked my my annual Puerto Rico trip after the earthquakes. I don’t even want to look at the prices now.There are going to be some fabulous bargains out there. Getz, I’ve heard great things about Viking river cruises. Hope you’ll go and have a fabulous time!
Newer flu tests are much more accurate. The COVID tests use the same technology (PCR) from nasopharyngeal swabs or sputum samples.Tecumseh said:This is a good question, because IIRC even the flu test is only about 70% accurate.
Be sure it's 70% or higher alcohol content. Some known brands surprisingly miss this standard.There is a run on hand sanitizers on Amazon.
masksThere is a run on hand sanitizers on Amazon.
Going to Costco Friday. Jerky, pepperoni sticks, bacon, sausage, cheese, tp, paper towels, counter wipes, butt wipes.Went to Costco this morning for exactly this reason. Just got food since I don’t usually keep much around, and also disinfecting wipes since I’m going to be on a lot of planes in the next couple of months.
Only masks at Lowes in my town today were "p95" for $12/mask. No n95 or n99 anywhere to be seen.Went to CVS and restocked for what I feel would be our next two years of cold medicine needs. With the following additional steps:
People were there doing the same types of things I was, multiple people came in looking for masks. Same response given to all, they can't keep them in stock.
- Got additional nasal flushing solution more than would otherwise need.
- Got Walter White amount of pseudo.
God don't bless those of us fatties with super Keto wives who wouldn't hear of eating rice or pasta if the ess hits the fan. (I'm going to buy and store some rice and canned good anyway, just in case.)Yes, how much meat we storing?
The travel insurance that I provide is either in complete moratorium or has already said it won't honor Coronavirus.I read in another thread this morning that people in here were posting about travel insurance. What was the verdict on this?
I'm 6 weeks out from four days in Rome, 8 day cruise to barcelona, then four days in Spain.
Wife went to doctor yesterday for annual check up. Doctor said we should be fine. For wife not to panic over something like this is pretty remarkable.
They DO offer protection...BUT the average person’s exposure risk doesn’t warrant routinely wearing a mask.[icon] said:Sigh...
i'll ask again… If n95 masks don't offer protection Against being infected by sick people, then why does the CDC demand health care workers wear them as part of PPE when treating sick people? Why did they deem them so important that they asked healthcare practitioners to save expired units rather than discarding them?
Asserting that they are "only useful to stop sick people from getting others sick" is one of the dumbest ongoing myths of this situation... Second only to "the flu is more dangerous because it's killed more people."
Out of curiosity how is that legal?The travel insurance that I provide is either in complete moratorium or has already said it won't honor Coronavirus.
Got it.. so they help.They DO offer protection...BUT the average person’s exposure risk doesn’t warrant routinely wearing a mask.
"You guys" have nothing to do with me or my decision. I have 2 travel insurance companies I can broker. 1 of them has suspended sales. The other has a huge red banner over their sales site saying Coronavirus will not be covered. Policies sold before the outbreak may cover this disease, but none of them since the outbreak are covering it. I sell maybe 4 travel policies/year. Tiny tiny part of my business.Out of curiosity how is that legal?
I don't doubt you guys have loopholes for stuff like this but... Curious I guess
what's the effective date for being covered? fyi, I have an AllianzPolicies sold before the outbreak may cover this disease, .
Yeah, I’ve not seen two weeks on the CDC website.Doug B said:"Two weeks of food & water" is not mentioned. Nor is "revert to pandemic protocols" or anything like that.
Both.JerseyToughGuys said:For the guys on the leading edge of this stuff, do we trust the CDC or do we not trust them?
When they say "little evidence supports the use of face masks by well persons in community settings," do we believe them are they conspiring to keep all the masks for themselves?
When you make hyperbolic claims.. but can't take a little jab?I’m sorry dude. I’m not take being bullied in every thread in here.
https://us.yahoo.com/news/canceling-trip-coronavirus-travelers-insurance-000426017.html
Most Policies Won’t Cover Epidemic Concerns
While travel insurance may pay for hospitalization or quarantine interruptions, standard plans generally don’t cover preemptive trip cancellations based on concerns about an epidemic.
Say you purchased a basic cancellation policy when you booked a trip to Italy. If you decide to call off your vacation because you’re worried about contracting COVID-19, you probably won’t be eligible for coverage and will have to pay the cancellation fees and nonrefundable costs yourself.
This typically applies even if the U.S. Centers for Disease Control and Prevention issues an official travel alert.
“Almost every travel insurance policy I’m aware of excludes epidemics and pandemics,” Schreier said. “The one thing insurance companies are most scared of is concentrated exposure. An epidemic or pandemic by nature could put these companies out of business if they had to pay out millions of dollars for millions of policies.”
If your January trip was affected by the coronavirus outbreak, you may still be eligible for some reimbursement. As an Allianz Travel Insurance advisory notes, “Customers whose plan includes the Epidemic exclusion may still have coverage for a covered loss occurring on or prior to February 3, 2020.”
‘Cancel For Any Reason’ Plans Can Help You
Although standard plans don’t cover you if you cancel a trip due to coronavirus fears, there is a more expensive option that will. And it has a pretty straightforward name.
“Since the outbreak, InsureMyTrip reports a 60% increase in travel insurance policies sold with a ‘cancel for any reason’ benefit,” Meghan Walch, a product manager at the travel insurance comparison site InsureMyTrip, told HuffPost.
“Cancel for any reason is designed to give travelers the option to cancel a trip for ‘any reason,’” she explained. “So, unless a travel insurance company has stated otherwise, you can certainly cancel a trip out of fear of contracting the virus if you select this optional benefit.”
But There Are Restrictions
There are still some limitations on travel insurance plans with a CFAR option. For starters, they’re much more expensive, which can be prohibitive.
“The challenge in CFAR is it may only be available to a narrow slice of the traveling market. CFAR tends to be an optional upgrade in the more premium plans. It may cost another 30% to 60% of the base price,” said Stan Sandberg, co-founder of TravelInsurance.com.
With CFAR, you usually have to insure the entire cost of the trip rather than certain elements. Another restriction is that you have to purchase your policy within a set time frame ― usually 7 to 21 days ― from your initial trip deposit.
If you do choose to cancel the trip, you may have to do so at least 48 hours before the departure date in order to qualify for reimbursement. Most versions of CFAR plans also reimburse travelers for only 50% to 75% of their prepaid nonrefundable trip cost.
Additionally, there’s bad news for residents of New York: You can’t buy CFAR travel insurance. The New York State Department of Financial Services, which regulates the insurance industry, does not deem CFAR to be actual insurance because it “allows the purchaser to control the event that would lead to payment.” Thus, the state does not permit the sale of that benefit.
Ultimately, it’s important to examine your chosen policy in advance to get a sense of any requirements or restrictions.
“I always recommend people read the fine print to make sure they know what they’re buying,” said Charles Leocha, president and co-founder of the consumer advocacy group Travelers United. If anything is unclear, you can also call the insurer’s customer service line with questions.
Credit Card Travel Insurance Probably Won’t Help
Several credit cards offer trip cancellation and interruption insurance as a benefit when you charge travel expenses to your card or account’s rewards program. Examples include select American Express and Chase cards, including Amex Platinum, Delta SkyMiles Reserve, Chase Sapphire Preferred and Chase Sapphire Reserve.
But as with standard travel insurance policies, concerns about the coronavirus epidemic and travel advisories do not appear to qualify as covered losses.
In fact, Chase’s policy explicitly excludes “your disinclination to travel due to an epidemic or pandemic” as a grounds for canceled trip reimbursement. (Quarantine “due to health reasons by a competent governmental authority having jurisdiction” is covered, however.)
The American Express trip cancellation benefit description states that cardholders may be reimbursed “if a Physician advises the Eligible Traveler that a Covered Trip is medically inadvisable.”
There Are Other Measures You Can Take
Even if you don’t have CFAR insurance, there are ways to cut down on the costs of a canceled trip.
“With airfare, there’s a big price difference between getting a totally refundable ticket and nonrefundable ticket, but that’s not usually the case with the rest of your travel plans,” Leocha said.
Consider booking refundable hotel accommodations, which often don’t cost too much more than nonrefundable rooms. The same can apply to car rentals, restaurant reservations and other activities.
Even if you have a nonrefundable booking, try calling customer service anyway to see if they’re making an exception for coronavirus. Airlines and other travel services may offer reimbursement, waivers or credits.
“Coronavirus has created a smoky gray area in a lot of these cases,” Sandberg said.
Alternatively, it could be worth rescheduling, rerouting a flight or adding a second destination within your original trip.
You may also want to hold off on booking flights and other expensive travel elements until there’s more concrete information available about the coronavirus epidemic.
“With how things are looking right now, it seems like airfares aren’t jumping too dramatically,” said Leocha. “So if you’re really concerned, I would say wait.”
Sweet baby Jesus, don’t buy all those carbohydrates. If you want to live forever, stock up on bone marrow and pork rinds.You don't. People are crazy. Its good to have some food in case supermarkets are closed.
What are some good food items to buy? Canned goods, rice, pasta...
In a scenario where people are using stored goods to survive, I don’t think this is relevantSweet baby Jesus, don’t buy all those carbohydrates. If you want to live forever, stock up on bone marrow and pork rinds.
Good luck man. Even as an insurance guy, I have to admit they will try their best not to cover cancellations due to this epidemic.what's the effective date for being covered? fyi, I have an Allianz
ETA: found it . effective date is 1/22/20. I bought 1/8/20. Link to my policy no longer active. Have to call an 800#
https://www.allianztravelinsurance.com/coverage-alerts/2019-novel-coronavirus.htm
Ignore list or not, cardiologists never advocated diets rich in heavily processed foods and/or refined sugars/grains. They advocated low-fat diets rich in fruits and vegetables then, just as they do today.My comment was that in the 1980s, cardiologists prescribed diets that contributed to obesity and heart disease, as well as Diabetes. That is true. You’ve conflated that comment with a flurry of accusations and things I didn’t say, and managed to insult me and the well researched diet books I’ve read. And my ignore list has a 5th member.
Unless you are looking directly into people’s throats, listening to their lungs, etc., the proximity of interaction is different, plus the fact the people are seeing you in the context of health care increases the odds they are sick.What about in a circumstance where you're around a lot of people in general...airports, subways, etc. There's really nothing magic about being a health care provider that makes wearing a mask a good idea...it's the fact of being around people who may be transmitting infection.
Maybe.OK I'll bite...
Would masks reduce (Not eliminate) someone's risk of being infected if, say, A sick person coughed in their face while They were talking?
Let's assume we are wearing sweet wraparound Oakleys in this scenario.
Hard to deny people spending their money how they please, but if mask shortages impact healthcare facilities, we all lose. Especially if those masks are ill-fitted/used incorrectly for individuals with virtually zero risk.Got it.. so they help.
While I appreciate The CDC attempting to tell me my risk level isn't high enough to warrant that protection... I'm gonna go ahead and hang on to the masks I got and use them if I'm in public in places where I think I might need the protection.
FTR: not attacking you, your insight has been awesome in this thread and appreciated.
Seems to be an epidemic around here.When you make hyperbolic claims.. but can't take a little jab?
Feel like this got completely glossed over by all of the super interesting travel insurance discussion.
That was sarcasm, directed at the ketotics who’ve infected this thread.In a scenario where people are using stored goods to survive, I don’t think this is relevant
This is what one of the DR's posted on TwitterFeel like this got completely glossed over by all of the super interesting travel insurance discussion.
Patient was originally admitted to UC Davis on Feb 19, UC Davis requested COVID-19 testing at that time from CDC and was denied. Only after the patient became more serious was the test approved and done.
What, you are not living in an off grid cabin in the woods with great sight lines?... if the water supply is compromised because of all the employee sickouts, can the power grid be far behind?
Hey, he did (maybe) say electrochok cures the gay so yeah, you are going to die painfullyTrump just put Pence in charge of the response for Covid-19. The guy who said smoking doesn't cause cancer, climate change doesn't exist and lobbied against HPV vaccines.
We're all gonna die.