A little about Playa Zipolite, The Beach of the Dead . . .

Playa Zipolite, Oaxaca, Southern Mexico, on the Pacific Ocean. A little bit about my favorite little get-away on this small world of ours.

Zipolite, a sweaty 30-minute walk west from Puerto Angel, brings you to Playa Zipolite and another world. The feeling here is 1970's - Led Zep, Marley, and scruffy gringos.

A long, long time ago, Zipolite beach was usually visited by the Zapotecans...who made it a magical place. They came to visit Zipolite to meditate, or just to rest.

Recently, this beach has begun to receive day-trippers from Puerto Angel and Puerto Escondido, giving it a more TOURISTY feel than before.

Most people come here for the novelty of the nude beach, yoga, turtles, seafood, surf, meditation, vegetarians, discos, party, to get burnt by the sun, or to see how long they can stretch their skinny budget.

I post WWW Oaxaca, Mexico, Zipolite and areas nearby information. Also general budget, backpacker, surfer, off the beaten path, Mexico and beyond, information.

REMEMBER: Everyone is welcome at Zipolite.



Saturday, October 7, 2017

The One Word That Could Negate Your Travel Insurance Coverage
The One Word That Could Negate Your Travel Insurance Coverage

With travel insurance coverage (and any other kind of insurance coverage) the devil is in the details—more specifically, the fine print. And one word can make a huge difference in your risk coverage: "unforeseen."
If you've followed my travel insurance coverage at all, you might know these two important travel insurance basics: First, most policies exclude trip-cancellation (TCI) and medical coverage for pre-existing medical conditions. Second, many policies will waive that exclusion if you decide to purchase both TCI and medical coverage within a short time of making your initial travel insurance payment—about a week to a month after.

The 'Gotcha' Word in Your Travel Insurance Coverage

But the word "unforeseen" in your travel insurance plan can nullify that additional coverage you've purchased, which takes effect only if you are medically able to travel at the time you buy the insurance. If a pre-existing condition would prevent you from traveling at the time you buy the insurance, you won't be covered for any issues that stem from that condition. You can't figure, "I'll get over it," or "I'll cope," and must be able to travel upon purchasing the insurance.
A typical policy allows you to travel with a pre-existing condition that's under control thanks to medication—but it must be fully controlled when you buy the insurance. If you can't live with that uncertainty, buy a "cancel for any reason" policy, but read the fine print before you do.
In many cases, people with chronic medical problems can't insure their trips risk-free. If you're in that position, you can minimize your risk by making all of your arrangements refundable or cancellable, with only minimal penalties.
The "unforeseen" limitation appears in most travel insurance coverage policies, and can also come back to bite you in circumstances other than pre-existing medical conditions.
Say, for example, you're considering a trip to Florida, and at the time you make arrangements, a named tropical storm is already developing in the eastern Atlantic. If it becomes a hurricane and hits Florida, is it "unforeseen," or not? Here, my friends in the travel insurance business tell me, the answer isn't clear. Some policies would cover cancellation; others might not. The same is true for similar possible areas of unforeseen problems like political unrest, terrorism, and strikes.
The risk is fairly clear for medical pre-existing conditions. But for many more ambiguous contingencies, your best bet is to contact one of the big online travel insurance agencies and ask for a policy that will cover whatever specifics risks are of concern to you.

More from SmarterTravel:

Consumer advocate Ed Perkins has been writing about travel for more than three decades. The founding editor of the Consumer Reports Travel Letter, he continues to inform travelers and fight consumer abuse every day at SmarterTravel.
This story originally appeared on SmarterTravel under the headline, The One Word That Could Negate Your Travel Insurance Coverage. It is reprinted here with permission. 

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