“Traveling is not dangerous – LIFE is dangerous.”
Terrorism is something we try not to think about as travelers. And it’s certainly not something we jump to promote in our attempts to inspire others to take that life changing trip around the world. After-all, the mass media promotes enough fear to last two lifetimes. We don’t need to add to that.
It’s true, your chances of being caught in a terrorist attack while overseas are slim; 10 things more likely to kill you than terrorism include being killed in a car crash on the way to the airport, being crushed to death by a vending machine, or even dying in your bathtub from drowning. And I get it – the importance in raising awareness of these facts to combat daily paranoia instigated by our media through sensational stories which promote fear.
But even though various articles online put your chances of being caught up in a terrorist attack at roughly a 1 in 20 million, that doesn’t mean terrorism isn’t real. In fact it’s very real. Global terrorism is a fact.
Definition: “Terrorism” is commonly defined as “the unofficial or unauthorized use of violence and intimidation in the pursuit of political, economic, religious or ideological aims which deliberately target or disregard the safety of non-combatants (innocent civilians).”
Recently, more than 60 people have been killed across three continents, during separate attacks in Tunisia, France and Kuwait. Tourists were among the wounded in the Kenya mall massacre of 2014, and in the last 12 months the world has seen attacks in Belgium, Australia and the United States. (I was moved to hear that Tunisian hotel workers formed a human shield around Western tourists to protect them from the rampaging gunman, telling the terrorist “you must kill us first, but we’re Muslim.”)
Two explosive devices were uncovered in Belfast in June, mosques were bombed Yemen, and none of us can forget the horrific Peshawar school massacre – when militants from the Pakistani Taliban entered a school and opened fire on the students with automatic weapons, also detonating multiple explosive devices. The attack last December killed 132 children and nine staff members, and another 120 were injured.
Though one of the deadliest terrorist attacks in history happened in January of this year, a multi day attack of villages in northern Nigeria leading to the deaths of almost 2,000 at the hands of Boko Haram – the same group responsible for abducting over 200 girls from a school in the northeastern town of Chibok in April 2013.
The wreckage of a charred vehicle remains in front of burning shops following a bomb blast in Nigeria. Photo Credit: Diariocritico de Venezuela
Forgive the gloom and doom. Yes, it’s very unlikely to find yourself victim to a terrorist attack, and yes, terror alerts and subsequent events are played up in the press, but that doesn’t mean that terrorism isn’t real.
Do we travel anyway? Absolutely. We should not let extremist activities stop us from doing what we do. And generally the world is a relatively safe place. BUT there does needs to be a happy medium. We need to be aware of the current political and economic climate and do everything we can to keep ourselves safe.
So why do so many travelers still travel without insurance? With more people traveling for business and leisure, and attacks occurring literally across the globe, some people are going to find themselves in the wrong place at the wrong time. And if you get clipped but not killed, your domestic insurance isn’t going to step in.
Traveling with adequate health insurance which covers you in the event of terrorism is our happy medium here, but too many insurers have a blanket exclusion for all terrorist activities, refusing to pay out on emergencies or injuries related to terrorist attacks.
Be aware of the current political climate and do everything you can to keep yourself safe.
The Importance of a Health Insurance Policy with Terrorism Coverage
Traveling with health insurance counts for nothing if you’re not traveling with adequate health insurance. With so many small scale attacks popping up all over the world, terrorism is now a fact of life, and understandably you want to know that you’re covered in case the worst should happen.
We’ve already established in previous posts that not having the right insurance cover in place means a dream holiday can quickly turn into a nightmare.
An air ambulance from the Amazon back to Canada for Deb Corbeil and Dave Bouskill, for instance, could have easily cost them over $50,000 USD had they not been covered with emergency evacuation insurance when he slipped during a cruise and broke his back. You need to read the small print.
When you do read the small print, you may be surprised to find that the majority of insurers refuse to cover medical expenses or last minute trip cancellations in the event of riots, terrorism and civil unrest. Tourists caught in these situations are left to rely on their governments to assist.
Too many insurers have a blanket exclusion for all terrorist activities, or in cases of riots and civil unrest. Photo CC kris krüg.
Some insurance providers are beginning to offer coverage for terrorism as part of their plans, however will not pay out if costs or losses arise as a result of travelling to a country after there has been a government travel alert or media warning which advises against travel to that area.
The problem here is that many “government warnings are not based on any specific intelligence, but on the general idea that potential terrorists are upset at nations like Britain and America launching a bombing campaign in Iraq and Syria.”
So when you start looking for a global option for your health insurance cover you need to make sure that Terrorism Coverage will be part of your policy. There are simply too many examples out there where people have been injured as the result of a terrorist event and require medical attention to be covered when it’s not.
When Choosing a Travel Health Insurance Policy…
Obviously choose one with the least exclusions, and pay real attention to them when reading through the fine print. We highly recommend policies through GeoBlue. A worldwide insurer, their plans do not restrict illness or injuries resulting from a terror attack, and travelers are eligible for coverage post departure if your trip is shortened or interrupted for medical reasons, a terrorist event or imminent threat to personal safety.
So, if you travel to a country where there are no Government warnings and are caught up in a terrorist activity, you will be covered under all the relevant sections including medical and baggage. If you have already paid for your travel and travel insurance and then the Government issues a warning against travel to that destination, you will be covered to cancel your trip. Compare that with other travel insurance policies.
The other nice thing about insurance with GeoBlue are access to warnings and travel alerts – membership means receiving daily alerts detailing the latest security and health issues in your destination, and travelers can dig into country or city level profiles on crime, terrorism and natural disasters.
Daily alerts re the latest security and health issues in your destination. Photo CC Ted Eytan.
If you are moving to or are in a country with a state department travel warning, contact Timothy Jennings at IndividualHealth.com to inquire about #GeoBlue.
A health insurance broker we trust, Tim has worked in both the international and US domestic market for more than 30 years and offers travelers a range of different options on plans and coverage including short-term travel medical (generally less than 6 months), annual renewable coverage for expats, and coverage for business groups worldwide. Click for a free quote.
Travel Safe
In today’s political and economic climate, acts of war and terrorism remain a constant threat, and unless you are a member of a terrorist organization yourself, there is not one person on this planet who can confirm that they won’t strike somewhere. Global terrorism is a fact.
Still make plans to travel – the world is a phenomenal place; but before you leave make sure you have taken the time to explore your options and get covered with a health insurance plan that (a) best meets your individual needs; and (b) covers you in the event that a terrorist does attack.
SPREAD AWARENESS! PIN THIS TO YOUR TRAVEL PINTEREST BOARDS ↓
Featured photo by The U.S. Army. Pinterest images by Mapping Megan & kris krüg.
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68 Comments
Love the quote at the beginning of the post! Totally agree with you–making sure your insurance covers you in instances like this is a very good idea. Definitely don’t stop traveling because of it, but it’s always good to be aware and prepared! Great article!
That’s my absolute favorite too – and I wanted to start it with that quote to set the tone that I’m not trying to scare people away from travel itself, just trying to remind them that you need to be taking every step to keep yourself safe when you do go :)
Glad you enjoyed the article Jenna – as you said, you always need to be prepared!
I’ve never purchased insurance before but I can definitely see your point, especially now that I have a child.
Definitely – it’s such a valuable investment, especially now that you’re in charge of taking care of someone else. If there’s one thing we’ve learned it’s that you never know what can happen unexpectedly, and insurance is your safety blanket for when that something unexpected does pop up.
Let us know if you have any questions about choosing a policy if you decide it’s the right time to get one – GeoBlue have the most extensive coverage we’ve found of any other plans so definitely give Tim a shout at Individual Health and he’ll be able to hook you up with a policy for you both.
Travel safe!
Wow, very informative! The statistics you provided really do make you stop and think, especially with so many terrorist attacks being so recent. I’m pretty sure acts of terrorism aren’t covered in my current travel policy, you motivated me to go back and read the fine print.
I’m glad we could motivate you to head back and read the fine print Heather :) That’s the thing – there are so many small scale attacks popping up literally everywhere now that you really do need to have a safety blanket just in case you are in the wrong place at the wrong time.
The thing with insurer exclusions is they generally exclude the things which are most likely to happen in order to keep the business a float – and obviously it’s the things which are most likely to happen that travelers assume they’re covered for. So reading the fine print really is so important so you know exactly when you are and aren’t covered :)
Very informative post but I feel weird about dismissing the new coverage of terrorist attacks as ‘sensationalist’. Terrorism is very real and we only (fortunately for us) see a tiny bit of the horror caused.Regardless, I agree that it shouldnt deter you from trying to see the world, just be wise about it.
I think I used the word sensationalist in terms of the media seems to promote that it’s not safe to travel due to these attacks, which spreads fear and paranoia, and they tend to try and over dramatize events for the drama. Absolutely agree that we only ever see a tiny bit of the horror caused – sadly with the news cycle they focus on one event and then a week later it’s onto something new, completely dismissing that these kind of tragedies have effects which last years.
I think I also used the word in the sense of it seems to be the mainstream media who come out with the stories of attacks etc, and smaller outlets like blogs who take the other side of the argument writing the posts like “10 things more likely to kill you than terrorism” in an attempt to still encourage people to travel. I wanted to strike somewhere in the middle because terrorism is real and we shouldn’t play it down, though at the same time there’s no need to play it up and let it stop you from leaving your house.
Glad you enjoyed the post :) Travel safe!
Never live in fear! Be sensible when travelling, take out travel insurance and be aware of your surroundings. There’s trouble everywhere but dont let fear limit seeing and discovering new and wonderful places around the globe.
‘The fear of suffering is worse than the suffering itself… no heart has ever suffered when it goes in search of its dreams.’
Absolutely! I’ve always taken the stance that safety while abroad often just comes down to a sense of street smarts and common sense. Sadly common sense isn’t so common anymore, so that’s where the insurance comes in a lot of the time!!! Though you really can find yourself stuck in the wrong place at the wrong time, because as you said, there’s trouble everywhere.
As long as you’ve got a sense of smarts and the safety blanket of insurance to cover you in the worst case you’ll be fine.
And I LOVE that quote. Thanks for sharing!
We’ve always purchased travel insurance and would continue to do so but I’ve not considered whether terrorism was covered. I try not think terrorism as that is hold they want over people, to make them afraid of travelling and just living their lives. Still it’s definitely something to consider in your purchase decision.
I don’t think many people do consider whether terrorism is covered to be honest with you – which is why I jumped to write this post when I found out it was such a widespread exclusion among companies.
We try not to think about it, but you’re going to be worse off in the long run should something happen and you’re not prepared. I tried to strike the right balance between not scaring people from traveling, but to make the point that you really do need to consider it when making a purchase decision on insurance :)
Glad you enjoyed the post – thanks Toni!
Definitely something to keep in mind when you’re looking for an insurance policy for your travels. I always read the fine print on travel insurance policies after hearing some interesting stories from other travellers about htings not being covered when they though they were.
So glad to hear you’re an avid reader of fine print too Bethaney! I’ve also heard my fair share of stories from travelers and friends who haven’t and have been left stranded with medical bills. Not a fun situation to be in when you believe you’re covered but you’re actually not.
I also love the quote at the start of this article. We are home at the moment, but it makes me wonder if we read the fine print in enough detail on our insurance policy. I know when my daughter was competing in dangerous sport, we had to be sure we had the right coverage in the fine print, which thankful we didn’t need.
I know it’s a drag to read through it all, but it really will pay off in the long run having a complete understanding of your policy. And I’m so glad to hear that your daughter came through without injury :)
Totally believe that we shouldn’t let fear dictate how we live our lives, but there’s a big difference between fear and taking out precautions to keep ourselves safe :)
Glad you like the starting quote – it’s one of my favorites!
Does terrorism kind of fall under the umbrella of war and acts of god? I don’t think its in my health plan or many. I’ve actually never thought of getting it, but I suppose even though it can happen anywhere there might be some countries over others that I might definitely get it for just in case.
Yes it does – it’s generally right there with acts of god, riots, civil unrest and war under the coverage exclusions. Since the recent attacks have literally been popping up all over the globe, that was the realization for me that you don’t have to be traveling through what’s deemed as a “dangerous” country to be caught up in a terrorist event.
For instance France is one of the top tourist destinations in the world, and I would have thought you would be relatively safe in Paris, though that didn’t mean a thing. Honestly, tourist hot spots are probably a pretty target for these kind of people. So it’s definitely made me realized the importance of being covered no matter where you are in the world :)
Coming from insurance background, and travelling all year round, I’ve always travelled with an annual travel insurance because I believe it’s just a small price to pay for some peace of mind. But you’re right, not many insurers offer terrorism coverage.
Absolutely agree with you – it really is a small price to pay for that peace of mind, and when it comes down to it, even if you don’t use it for the first 10 years, let’s say something then happens – the cost of your medical bills for one incident is going to far outweigh the investment you’ve put into insurance.
Really is the most valuable thing you can ever travel with.
I am glad you wrote this post, Megan. i have actually found myself in the middle of two terrorist attacks. I was not SO close to where it happened, but i was in New York on 9/11 and I was in London on 7/7 and the atmosphere was… dim … as you say. I was living and working there, but would I have gone there right afterwards if I did not have to? I don’t know. But retrospectively, I can say that there was nowhere safer on earth than NY at that time. No, we should not let terror stop us!
So sorry to hear that you experienced this twice Claudia :S! I cant even imagine what it would have been like to have been in NY over 9/11 – even if you weren’t within close proximity to the towers themselves, I’ve heard the smoke and ash carried for miles, and I can’t even begin to imagine what the atmosphere must have been like.
I agree with you that practically speaking there’s probably no place safer after a terrorist attack than the city which just got hit. Sad to think, but it’s true. I don’t know that it would necessarily be an uplifting travel experience, but we should definitely not let terror stop us or bring us down.
Wise advice, albeit depressing. It is hard not be scared when travelling these days.
It’s definitely hard not to be scared when you’ve got so much of this going on, but that’s why I started the post with the “travel isn’t dangerous – LIFE is dangerous” quote, to set the mood that it really is life that’s dangerous and not travel itself. You’re just as likely to find yourself in danger at home as you are out there traveling the world, so why not travel and enjoy the time that we do have :)
…Just always good to make sure you’ve taken out the proper safety precautions when you do. We all have health insurance that covers us domestically at home, so traveling abroad should be no different :)
Chilling post but it brought up an important subject. One that most of us don’t even want to think about. You’ve convinced me I need to read my policy – carefully! Thanks Megan
I’m glad you’re convinced! I really wanted to strike the right balance with this post of not actually discouraging travel, but really highlighting that it IS something we need to be thinking about and making sure we’re covered with. Sad fact of life, but a fact none the less.
Travel safe out there! And let us know if you have any questions about the insurance side of things :)
Extremely well written and balanced for an issue that is so controversial to some. You usually hear very passionate, polar arguments for the issue of terrorism and travel – either it’s overblown and not an issue or it’s so rampant no one should be travelling very often, or very far. We JUST renewed our travel insurance but will definitely keep this in mind when we next have to renew! Thanks for the information on this one.
Thanks guys – I really tried to strike that balance between not discouraging people from traveling though making sure it did hit home how much of an important issue this is – so it means a lot that you found the article to be well balanced :)
Definitely keep this in mind when you next find yourself needing to renew – especially for digital nomads who travel full time, the more often you travel the more chance you’re likely going to need to fall back on your coverage at some point.
In our last trip to Israel we purchased travel insurance which covered all these types of scenarios. You never know what can happen unexpectedly. It’s always a good thing to be prepare. :-)
So glad to hear you were fully covered Carmen :) You would be surprised to find out how common it is to just purchase the cheapest insurance people can find – which is actually probably worse than not traveling with insurance at all, because not being covered properly just means all you’re doing is wasting money!
While this is a topic that no traveler or anyone else doesn’t want to read about, unfortunately it is certainly a reality in today’s world. Should you stop traveling? No! Should you get travel insurance? Definitely. You just never know.
Absolutely – and that’s exactly the message I was trying to hit home with this post :)
It really is a fact of life these days that terrible attacks like the ones you mentioned do happen in random places from time to time. And I totally agree that this shouldn’t stop us from having our freedom to travel the world. Travel insurance shouldn’t be an optional extra for your travel budget, it should be the first thing you budget for and if you can’t afford it, you simply can’t afford to travel. Great write up Meg and good on you for spreading the word!
Absolutely agree with you Jen re travel insurance being the first thing you should budget for. Which is why I’m 100% behind the new trend of countries starting to refuse entry to those who can’t show proof of a comprehensive travel insurance policy. No insurance = no entry. Otherwise you can buy it at the airport.
Glad you enjoyed the post – travel safe out there!
This is such an incredible post (the Tunisian “human shield” got my eyes watering)! As an avid traveler, for work and fun, I always do my research on the country I’m traveling to for this very reason. However, I never knew there was insurance that covered terrorist attacks. You have certainly opened my eyes to this travel essential and I’ll be including it on my next trip.
Glad you enjoyed the post Mia – didn’t the Tunisian story just completely restore your faith in humanity!! There are such amazing storys of people coming together in times of tragedy like this. Warms your heart.
Glad to hear you’ll be including terrorism coverage on your next trip. Highly recommend GeoBlue :)
LOVE that first quote! Everyone always thinks traveling is dangerous! Anything can happen in the city you live in or right next door!
One of my absolute favorites :) We should never let fear stop us from living our lives!
I found you post on the right time, I need to renew my travel insurance, and although I’m aware of all the terrorism issues I have never considered buying a policy with this type of coverage… Maybe is that stupid feeling that we have inside “this won´t happen with me”. The only time I feel this concern was when my husband went to Paris, on April, to run the Paris Marathon and we could feel on the streets we awareness and how they were prepared for any terrorist attack… Thanks for the post and let´s try to be positive because I don´t want to stop travelling anytime soon. :-D
Safe travels,
Nat
Definitely tried to be as positive as possible, because who want’s to stop traveling!! Glad we could catch you with the post before you renew your insurance though because terrorism coverage really is something which I think is really essential to have in today’s political climate.
I know we all think it, but the “this won’t happen to me” mindset will be our undoing!!
Safe travels – let me know if you have any further Q’s about insurance before you renew :)
Very informative and awareness raising article. Safety is always a priority. It shouldn’t stop you from traveling, but you mustn’t neglect it. Stay informed. I wish there was more blogs like that one. We need it in our times.
Glad you found the post informative Zof – it means a lot that you found it so resourceful :) Safety should always be a priority when you travel – I’m glad we hit this message home :)
Totally agree with you, Meg!
I’m glad! Travel safe out there :)
Since we have traveled to countries that have, in particular areas, been under gov’t travel advisory, this is very useful information. We are considering companies at present; the competition is fierce in this field. This certainly makes us take a second look at GeoBlue. Thank you!
I’m glad we could help you out with some additional info then Stacey – finding a policy which covers terrorism and will reimburse you for cancellations in the event of a warning really is quite difficult despite the competition being fierce.
Let us know if you have any further questions about GeoBlue – always happy to help. If you drop Tim a line at Individual Health as well he has a wealth of knowledge and would be happy to help you out with any inquires.
Unfortunately, the sad truth. I work in tourism and get more and more questions like these. It’s not like in the past when certain countries where a no go, but nowadays terrorism is all around us and even though we all think we will never be a part of it, it may be closer than you wish for.
Absolutely – and I think that’s what hit home for me the most, is that these kind of attacks aren’t isolated anymore – they really are all around us, and affect the most popular of tourist attractions as well.
All we can do is prepare ourselves in case of the worst and continue living our lives hoping we won’t need the safety blanket we’ve got stored.
It is amazing how many people don’t read their policies properly to see what is included. They just assume ‘I have travel insurance so i must be covered’, when quite often they are not. Thanks for pointing out one very important thing to consider when buying insurance.
Oh absolutely – the thing with insurer exclusions is they generally exclude the things which are most likely to happen in order to keep the business a float – and obviously it’s the things which are most likely to happen that travelers assume they’re covered for. So reading the fine print really is so important so you know exactly when you are and aren’t covered :)
In light of the events in Tunisia, it’s hard to argue with this post. You really brought up some wonderful points here, Megan. I have family who work in insurance and have always thought that you shouldn’t cut corners when buying it. I really didn’t think about travel insurance having so much in the fine print but hey, they’ve gotta keep us on our toes somehow right?
I remember reading a post about someone who got stranded here in Korea while on a cruise, and the horrible time they had going from hospital to hospital and navigating everything from language barriers to all the hoops they had to jump through just to get back to Australia. Though that wasn’t related to terrorism, the story demonstrated just how tricky Travel insurance companies can act, and how much red tape there is when something does go wrong.
Thanks for sharing this, Megan. It’s an important read for anyone who plans on traveling.
Eeeerg that doesn’t sound like a fun time for the person who found themselves stuck in Korea. Sadly though I’ve also heard too many of those stories. People cut corners and they don’t fully understand when they’re covered and when they’re not and then when they do find themselves in a circumstance where they need covered, they’re shocked to find out the insurer won’t help. Not a nice situation to be in.
Which is why I can never understand those who just buy the cheapest insurance they can find. Not something you want to skim on. Totally agree with you – cutting corners with insurance can end up costing you more later down the track.
Glad you enjoyed the post Duke – thanks for leaving your thoughts :)
You’re right, though terrorism attacks seem more frequent these days, it’s something I don’t want to have to worry about while traveling. In this case, though, ignorance is NOT bliss… it could be catastrophic. Thanks for the tips about being prepared and reading the fine print.
Oh absolutely – ignorance is the worst approach you can take to your insurance – reading through the fine print sucks – there are generally quite a number of pages – but it’s the only thing that’s going to save you from potentially paying off a holiday for the rest of your life. And no-body wants that!!
Glad you enjoyed the post Toccara :)
I have seriously been slacking when it comes to travel insurance. I have never used it. I guess because I’m only a part-time traveler, I felt like I didn’t need it. And I’ve been lucky so far. But later this year I plan on traveling to Asia, so I know it’s something I need to look into.
I’m glad to hear you’ve been lucky so far – but even first time travelers should make sure they’re insured ;) Only has to happen once and you don’t have to be a full time traveler for it to happen to you :)
Can’t recommend having insurance highly enough – it really should be something essential which you travel with – even if you don’t use it for years, if something does happen, what you’ve paid for in the past will seem like pennies compared to the cost you could be stuck with.
Let us know if you have any Q’s about how to choose a policy which is right for you :) Highly recommend GeoBlue :)
hmmm….interesting article for sure. i am a numbers guy, and if the odds are low (i.e. 1 in 20 million), then to me it’s really not worth any extra money to cover a terrorist attack. but that’s just me.
with regards to sensationalism…i totally think the media feeds on that fear and hypes things up to sell advertising and keep people glued to their boob-tube instead of exploring this beautiful world!
Yes, but someone’s going to be that 1 in 20 million ;) And having insurance to cover you goes beyond that of just a terrorist attack – cancelled trips, lost bags, general medical like tripping and cracking your head, or falling ill overseas and requiring medical attention.
Highly recommend reading our post “War Stories: The Worst and Most Embarrassing Travel Injuries Abroad” – will make you realize that travelers end up needing to rely on health insurance overseas a lot more frequently than we would think.
It’s one of those things which is absolutely worth the investment. Because you have to keep yourself safe out there … and insurance keeps your bank account safe too ;)
Very insightful. Some things we don’t want to think about, but we should: Not that any of that will stop us from seeing the world.Travel Insurance is important. Great piece!
Glad you enjoyed the article and took away the main message with you – absolutely we shouldn’t stop traveling the world – but we do need to realize that sometimes things are going to happen while we’re abroad, and we need to make sure we have taken out the proper precautions for that.
Travel insurance should be essential.
I agree with this post. Travel insurance is really important.
So glad to hear that Augustus. Let us know if you have any questions about insurance with GeoBlue. Travel safe :)
Can you double check Geoblue, it appears they only offer coverage for US citizens, being Australian this is of no use to me, regards
Hi Tony, yes so coverage with GeoBlue will apply to U.S. Citizens or resident out-bound from the United States. Also anyone who lives abroad that works for a U.S. based company as long as the company’s home office is domiciled in an approved state within the U.S. So if you are a third party national from say Singapore and you work in Dubai for a U.S. based company and the company agrees to pay the premiums then they can insure you.
Individual Health does also act on behalf of another great insurance company called Cigna Global, and as an Australian you should be able to seek a policy under their umbrella. Shoot Tim an email (sales@individualhealth.com) and let him know you are from Australia – he should be able to give you information about plans for Australians with Cigna Global.
Hope that helps!
Yes I agree with Tony, this is not available to Australians, also there are no Travel Insurance that covers “act of terrorism” for Australians traveling overseas. Once you read the wording & PDS you’ll quickly realise you are not covered by any of them.
Hi Steve, thanks for the update on insurance for Australian travelers … I might start touching base with a couple of insurers to find out why that’s the case and if they can recommend suitable alternatives – it seems like almost everything these days is being classed as a terrorist activity, so insurance which doesn’t cover it makes it pretty hard.
Will let you know if I find anything.
This really scares me, but I believe strongly in not allowing evil to dictate the way I live my life.
I agree Jodi – when it comes down to it, life is always going to come with a certain level of risk, and that’s no reason to stop living, we just need to mitigate those risks as much possible, like wearing a seatbelt when we get into car, or organizing insurance when we head overseas.