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Column: Sorry we had to cancel your trip. But we save your travel insurance money



Column: Sorry we had to cancel your trip. But we save your travel insurance money

Most travel insurance has many exceptions – including for epidemics – so I don’t usually advise people to care about coverage unless they spend a lot of money on travel, like for a cruise.

But what if you cancel your cruise, or the trip is canceled by the shipping lane, because of coronavirus? Should you be able to return the cost of your travel insurance?

However, it protects you no longer need because of circumstances beyond your control. You haven’t gone anywhere. You have not submitted any claims.

What reasons can an insurance company have for saving your money?

That is what David and Barbara Negrete asked after asking AIG, the insurance giant, to return more than $ 2,300 which they said they had spent on the protection of AIG Travel Guards.

The Huntington Beach couple bought a policy after reaching into a $ 1,500 deposit for a $ 12,000 jazz themed cruise scheduled to sail a year from now. They decided not to travel.

“We are both 67 years old,” David Negrete told me. “We will not take the voyage because of coronavirus.”

He first contacted the shipping operator, a company called Flying Dutchman, and asked for their bail to be returned.

“They said no,” Negrete recalled. “They save a deposit.”

Not surprising there. I have written about the difficulties experienced by cruise ship passengers to get refunds for cancellations. In many cases, cruise ship operators have offered credit for future trips but there is no refund.

Then Negrete contacted AIG with the same request.

“They also will not return money,” he said. “Instead, they offered us vouchers for travel insurance that can be used between now and 2022.”

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The problem is, Negrete and his wife had no plans to travel during that time. “It doesn’t seem safe,” he said. “And we don’t get younger.”

My usual response to situations like this is agreement. If you buy a service, and then you decide not to want that service, well, too bad.

But this is different. Consumers don’t act on a whim when it comes to coronavirus.

They protect themselves from a potentially deadly global pandemic that is getting worse from day to day and where they have no control.

That’s why I brought cruise ship operators, airlines, hotels and others on duty because I stubbornly refused to return money to people.

That’s why I make a smell when most vehicle insurance says they won’t give discounts to policyholders even though many people have stopped driving. California Insurance Commissioner Ricardo Lara then ordered that the discounted price be given.

I understand the company’s reasons from a business point of view – who wants to return cash that has been ordered as revenue, especially when profits are falling off a cliff because of coronavirus?

But come on What’s good for business, and then what’s good.

And if standing-up is very difficult, consider the long-term consequences of short-term greed.

Every cruise passenger and airline that I spoke to had told me the behavior of the company during the pandemic would really affect their decision making when it comes to future travel plans.

In some cases, the problem appears to be miscommunication. Pasadena resident, Howard Abrams, contacted me with the same problem that Negrete was experiencing.

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Abrams, 73, said insurance company Allianz refused to return the travel coverage he bought for the canceled July cruise he wanted to take with his son.

But when I contacted Allianz, I was told that a refund was actually provided “for a while” because of coronavirus.

Abrams tried again and, see, was told that the money would be returned. He was told that the refund process could take around a month because of a deposit guarantee.

Daniel Durazo, a spokesman for Allianz, said the company had decided to close travel cancellations for people who became ill with COVID-19, although there were exceptions to the epidemic.

“We also offer refunds to customers whose trips have been canceled by their travel suppliers because of COVID-19,” he said.

Good for them. This shows awareness about how the current pandemic is destroying many people. This is also an important way to show customers that the company cares.

AIG, for comparison, is just bullshit.

The obstinacy is even more painful when you assume that the company will collapse if not as much as $ 182 billion in cash bailouts from taxpayers during the Great Recession.

AIG, based in New York report net income $ 1.7 billion in the first quarter, up nearly 90% from the previous year.

“If you are considering canceling your trip because of COVID-19, please read your insurance policy thoroughly,” AIG to customers in March. “In general, fear of travel is not a closed event under most of our policies.”

It says refunds are only possible if requested within 15 days of the purchase of travel coverage. If it’s outside that narrow window, and you’re afraid of the tens of thousands of Americans who have been killed so far by COVID-19, the homeless, but not.

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I said above that most travel insurance comes with so many exceptions, travelers might want to think twice before spending a lot of money on protection.

Negrete’s Travel Guard policy, for example, excludes claims involving pre-existing medical and pregnancy conditions. This excludes claims related to risky holiday pleasures such as bungee jumping, as well as claims for natural disasters, pollution, and, once again, epidemics as we experience them today.

An AIG spokesperson told me that the company would be willing to discuss this issue, but only off the record, which meant I couldn’t share what they said with you. I refuse.

The spokesman then sent me a written statement from the company.

“Amid the unprecedented challenges caused by COVID-19, Travel Guard has mobilized significant additional resources to meet the demands of an extraordinary volume of claims, including those involving requests for refunds of premiums and recovery of travel cancellation fees,” the statement the word.

“Travel Guard will continue to look closely at the specific facts and circumstances of each individual claim, as well as the relevant policy language, in respect of the commitments made to its customers.”

As far as I know, the company did not make anything commitment to customers about refunds, but that’s what was said.

What I do know is that if I have ever been in the market for travel insurance, I know which company I trust.

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PAN wants to abolish fees for teaching Portuguese abroad



PAN wants to abolish fees for teaching Portuguese abroad

O PAN has submitted a draft to Parliament to stop collecting tuition/entry fees for young Portuguese and descendants of Portuguese who attend or will attend Portuguese language teaching abroad.

The diploma, which was presented this Wednesday to the Assembly of the Republic, refers to a petition signed by 4,524 people that was delivered to Parliament in the previous legislature. Petition titled “Portuguese for all! Concerning the right of our children and young people to study Portuguese abroad, it proposes to “protect and strengthen the teaching of Portuguese among children and young people of Portuguese and Portuguese living abroad”.

PAN understands that the formal learning of the Portuguese language by Portuguese children and young people living abroad is “more than the right of these children and young people, is the responsibility of the state” and is a way to ensure the continuity of “Portuguese across borders”.

“Petition No. 168/XIV/2.ª gives the Assembly of the Republic the opportunity to review the state of the official network of teaching Portuguese abroad for the Portuguese and the descendants of the Portuguese, as well as to consider its problems and the causes of these problems. “, – says PAN.

The party, led by Inés Sousa Real, warns of “a small number of students studying Portuguese abroad” and justifies this fact with “mandatory attendance rates applicable to all students”.

“Currently, the school has about 20,000 students, which is a third of what it was in 2008. This situation is largely justified by the fact that in the 2012/2013 academic year there was a mandatory attendance rate for all students, which meant revenge on the idea that there are constitutional rights for the Portuguese community abroad, but they can only be exercised if they are paid, which is regrettable,” the document says.

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PAN also reports that even during the pandemic, students had to continue paying tuition fees “despite being unable to attend remote classes due to a lack of necessary resources.”

“In the previous legislature, the PAN at the headquarters of the Education Commission requested the Minister of Education for the designation of the revenues generated from the collection of tuition fees, but never received a clear answer,” the party points out, also mentioning that he had already submitted a draft resolution about the abolition of tuition/registration fees for these young people who are “only not moving forward due to the dissolution of the Assembly of the Republic”.

“As part of this initiative, PAN, in an effort to address this clearly defined problem, is proposing to abolish tuition fees for all Portuguese and Portuguese young people who attend or will attend Portuguese language teaching, from January 1, 2023, as this makes no sense in constitutional law payable, and that students have to pay for what is already funded by the Portuguese state,” the document says.

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What Makes Professional AV Solutions the Top Priority in Business Meetings



Do you need someone to get you the most promising professional AV control solutions but don’t know specifically when the market is overflowing with choices? Well, don’t you worry anymore because we have tons of choices right at your disposal for the best experience, be it for your office or even for educational purposes.

A professional AV solution’s major work is to ensure that you can have a one-of-a-kind experience, and this stands not only for meetings but even for presentations.

The AV solution is one where there is a huge display, and each of the members in the room can see and hear the deeds of the presentation very easily. Not only that, it is different from the monotonous lectures and adds a bit of spark, making people more engaged. After all, visual aids are always great for a better impact.

Affordable AV Solutions with Biamp Systems

However, the problem many people face at this juncture is that they do not end up finding someone who offers quality services and that too by not charging a bomb. It could be difficult to shell out a lot of money for the initial setup or maintenance; hence, finding someone affordable is very important. Biamp Systems ensures you have the most amazing experience, and that too by not having to spend too much.

The idea always has been to provide the best of services close price range. However, this has not come in the way of the high quality; that is what they have taken up as a motto. If you want good services at a price range that is convenient for everyone, then Biamp Systems is the name that you should believe in.

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So, if you want to offer a great audio-visual meeting experience to all the participants from different geographical locations, you must opt for professional AV Solutions today. Connect with team Biamp Systems and place your order.

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Portuguese club sign Matheus Pereira from Cruzeiro



Portuguese club sign Matheus Pereira from Cruzeiro

Credit: Bruno Haddad / Cruzeiro

Boavista received a positive response from Cruzeiro for the final transfer of Matheus Pereira. The left-back, first of all, is the request of coach Armando Petit to replace Janis Amas, who is due to leave the club in the coming days.

O It turned out that the clubs started the exchange of documents this Wednesday morning (29) and the purchase of the defender is in full swing. Now Boavista is looking to get past the red tape to finally announce the signing of the player.

Mateus Pereira has a contract with Cruzeiro until June 2023 and is on loan from Guarani until the end of the current season. The club from Sao Paulo has already been informed that it will lose the left-back in the next transfer window.

Also according to the report, Boavista will invest 3 million euros (16.6 million reais at the current price) to get 60% of the economic rights for four seasons. Cruzeiro, in turn, will keep 40% of the season ticket for future sale.

Mateus Pereira was one of the full backs, according to the Boavista Market Analysis Center, since 2021 I have kept a player in my field of vision. At first, the deal will be on a season-long lease.

However, the Minas Gerais club eventually agreed to negotiations when the Portuguese made the final choice in favor of buying the athlete. Recently, Mateus Pereira received a poll from Braga. However, Cruzeiro was not enthusiastic about this business model.

Matheus Pereira held talks with the club from Rio de Janeiro

Having failed to return to Serie A of the Brazilian championship, Cruzeiro placed Matheus Pereira on the list of “fixed” players. In January, for example, he appeared on the radar to protect Fluminense.

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At the direction of Abel Braga, the then tricolor coach, the defender even had a verbal agreement with Fluminense. However, the board backed out of the deal shortly after signing Chris Silva from Sheriff Moldova and Mauricio Pineyda, who was at Barcelona, ​​Ecuador.

Out of coach Paulo Pezzolano’s plans, the left-back was loaned out to Guarani until the end of the current season. Bugre has 23 matches, three goals and one assist. In addition, he is one of the best players in the Brazilian Serie B position.

Matheus Pereira figures

Matheus Pereira, based on the basic categories of Cruzeiro, arrived at Toca da Raposa II in 2017. He belongs to the same generation as goalkeeper Gabriel Braçao, defender Kaka, right-back Vitinho, midfielder Mauricio, striker Cayo Rosa and others.

With these players, Matheus Pereira won the 2018 Under-20 Mineiro Championship. Two years later, coach Adilson Batista promoted the player to the first team, who decided to bet on the first team to form a squad that would play for the first time. in series B.

In two seasons, he established himself as the owner of the left back of Rapos. At the same time, he represented the club in 61 matches, scored one goal and made three assists.

This season, for example, 21-year-old Mateus Pereira has made 23 appearances for Guarani: 12 in Brazil’s Serie B, two in the Brazilian Cup and nine in the Campeonato Paulista. In addition, he scored three goals, provided an assist and spent 2033 minutes on the field.

Highlights: Cruzeiro 2 x 0 Ponte Preta (Serie B). Watch the video!

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