My clients have a Plan A policy and are travelling to the Dogon tribe area of Mali and have asked if they are covered?
I'm speaking as a safety specialist here, so I'm talking about travel insurance in general and not specifically about any policy (to do that they need to call thier insurer).
Your clients will be travelling into a part of Mali where the British, Australian, American and NZ governments advise their citizens they should not go.
There is an active Al Qaeda offshoot in the region which is targeting western tourists for kidnap... and it doesn't always end well!
Ordinarily this may be enough for travel insurance companies to exclude cover - for three reasons: the chances something will happen to the travellers is deemed to be unacceptably high, and secondly, if they do get into trouble it will be nigh impossible to get an emergency team to where they are (or if they can get there, they too will be exposed to an unacceptably high risk of kidnap and injury!). And the third reason - why would you go against the advice of a government which has at its disposal all the resources of the best anti-terrorism agencies in the world, an extensive network of diplomats and eaves-dropping equipment floating around in space, which they have used to determine that there's a high risk of something bad happening?
This is based on the assumption the people are traveling to the Dogon tribe area independently. If however they are travelling as part of an organised tour - and that tour has in place significant security measures, and can satisfy their insurer that all efforts have been made to safeguard the travellers, and we're probably talking about a hardened convoy here - then it may be possible to have special dispensation.
But this is something they have to arrange with their insurer beforehand, and it might be they need specialist cover.
In a nutshell: if they go ahead without talking directly to their insurer and subsequently make a claim or require assistance, it may, in all likelihood, be declined.
But if they make special arrangements with their insurer before they go, it may be possible to get cover. over 6 years agoAnswered by Ask Phil