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The Spodak Dental Group Partners with the Delray Beach Police Department to Provide a Safe Remote Location During Hurricane Season

DELRAY BEACH, Fla. -- With hurricane season approaching, the Spodak Dental Group team once again partners with the Delray Beach Police Department to provide the disaster relief team a safe "home base" shelter in the event of a severe weather occurrence. This is the fifth year that the team has opened up the facility to local first responders, and is only one of five local businesses to do so.

"We consider it an honor to be able to open up our doors to first responders in the event of an emergency," said Dr. Craig Spodak, general dentist at Spodak Dental Group. "I designed our Gold LEED Certified facility to be environmentally conscious for the benefit of my community members, so this is just another way for the state-of-the-art facility to support our community and keep our local emergency personnel safe."

Part of the Delray Beach Police Department's annual hurricane planning and preparedness is securing remote locations (businesses) in the city to house officers during an actual hurricane, where they are safe and protected. This strategy allows them to deploy personnel directly to their geographical area when the storm has passed and prevents them from traveling in the storm or if roads are closed from damage or debris moments after the storm's passing.

Locations must be structurally sound and be able to withstand a Category 3 (or higher) hurricane. A team of up to 12 officers/firefighters/paramedics will sleep, eat and shower at the business for one to three days, or until the area is considered safe.

The Spodak Dental Group facility can withstand wind speeds in excess of 180mph, which is above hurricane Category 5 classification; has a generator output of 50,000kw; and offers a full kitchen and shower facilities. The last time the Delray Beach Police Department utilized the office space was during and after Hurricane Dorian in 2019.

"Spodak Dental Group has been a tremendous help and has played a vital role in our deployment for the past five years during hurricane season by allowing the Delray Beach Police Department to utilize their facility for the berthing of our officers," said Delray Beach Police Department Chief Javaro Sims. "They have created a safe and convenient place for our officers to operate from. This allows our officers to expedite our response when necessary. Spodak truly exemplifies our motto, 'One Delray, One Community, One Police Department.'"

The Spodak Dental Group, 2017 Inc. 5000 honoree, has evolved to become South Florida's premier, comprehensive dental facility, and comprises a world-class association of dental professionals poised to provide full-service dental care second-to-none in both scope and skill. The Spodak Dental Group team includes General and Restorative Dentists, Endodontists, Periodontists, Board Certified Oral and Maxillofacial Surgeons, Master Ceramic Artists and Anesthesiologists, as well as one of the nation's only in-office dental labs.

Spodak Dental Group is located at 3911 W. Atlantic Ave. Call or text (561) 303-2413 or visit https://www.SpodakDental.com/ for more information or to schedule a virtual or in-office appointment.

Related link: https://www.spodakdental.com/

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Business, Free News Articles, General Editorial, Insurance, Travel and Tourism

Do I Need Travel Insurance for the 2019 Hurricane Season? TravelInsurance.com Provides Answers

NEW YORK, N.Y. -- With Tropical Storm Barry expected to become the first named hurricane of 2019, thus begins the storm season that will likely impact hundreds of thousands of travelers, according to TravelInsurance.com. The question many travelers have is "Will my travel plans be affected, and if so, how can I make sure I don't lose the hard-earned money I've invested in this vacation?"

In the hopes of demystifying travel insurance as it relates to tropical storms, TravelInsurance.com answers the most common questions related to travel during hurricane season:

Do I really need to purchase travel insurance just in case there is a hurricane?
Hurricanes, along with other types of storms and unpredictable weather, can and do frequently derail travel plans. If you are traveling from, or headed to, an area that is prone to hurricanes, purchasing travel insurance is a wise move if you want to protect your investment.

Will travel insurance cover me if my flight is delayed or cancelled in the event of a hurricane?
Yes. Trip cancellation coverage provides travelers reimbursement for their insured trip costs if they have to cancel prior to their departure date due to a covered reason. Most trip cancellation plans include coverage for unexpected natural disasters such as hurricanes if the event causes either an extended shutdown in carrier services or render the destination uninhabitable. Some travel insurance plans will even cover official hurricane warnings by the National Oceanic and Atmospheric Administration (NOAA), the agency that tracks and forecasts tropical storms and hurricanes.

Will travel insurance cover me if my trip is interrupted by a hurricane?
Yes. Trip interruption coverage will reimburse the unused, non-refundable portions of a trip if a traveler has to cancel and abandon a trip after it's already started. The covered reasons in a travel insurance plan for trip interruption are usually the same as the covered reasons for trip cancellation. Some plans will offer a coverage limit for trip interruption that's more than the amount insured under trip cancellation in order to account for any extra expenses incurred to get home early.

What if my destination is damaged during a storm, but it happens before I leave?
If your destination is made uninhabitable by a hurricane or other natural disaster, trip cancellation will provide coverage.

What if I am affected by a storm, but it does not turn into a named hurricane?
Any severe weather that prevents you from traveling to your destination or affects your ability to stay at your destination will likely be covered under the Trip Delay or Trip Cancellation benefits. This includes severe tropical or winter storms. But again, if the tropical or winter storm is named, it is no longer possible to purchase insurance to protect against it.

What if I am concerned about a storm, but the airline or cruise company has not cancelled service - can I get reimbursed if I decide to cancel?
This depends on the type of insurance you purchase and what your plan includes. For example, some plans offer trip cancellation coverage for hurricane warnings at your destination issued by NOAA, if the insurance is purchased before the storm is named. The other option is to purchase a Cancel For Any Reason (CFAR) upgrade, which allows the insured to cancel their trip for any reason. CFAR is typically only available as an option at the time the policy is purchased and requires the traveler to insure 100% of their pre-paid, non-refundable trip costs. And importantly, the traveler must purchase the policy within a set number of days (usually 7-21 days) of their initial trip payment date. With CFAR, either 50% or 75% of the trip costs will be reimbursed, depending on the plan selected.

When should I purchase travel insurance and how soon is it effective?
While a policy can be purchased up until the day before you depart, it's best to purchase travel insurance soon after making the first payment towards the trip. And most importantly the travel insurance should be purchased before a disruptive event happens. Some benefits and coverages are available only if you've purchased your policy within a short window, which typically ranges from 7-21 days from the date you make your initial payment. Time-sensitive benefits include CFAR and a Pre-existing Condition Exclusion Waiver. Travel insurance plans become effective on the day immediately after you purchase it.

How much does travel insurance cost?
There are several factors that go into the cost of an insurance plan, but typically travel insurance plans cost between 4% and 10% of the total trip costs. The biggest factors that affect the policy price are the age of travelers and the amount of trip costs.

"The most important thing to remember is to buy your travel insurance early and before a storm is named," said Stan Sandberg, co-founder of TravelInsurance.com. "Especially during the annual hurricane season from June to November, we recommend purchasing travel insurance immediately after making the first purchase toward your trip to make sure you are covered when that unexpected snafu happens."

For more information and travel tips, visit https://www.travelinsurance.com/.

About TravelInsurance.com:
TravelInsurance.com helps simplify the complicated world of travel insurance by providing consumers with the easiest way to compare and buy trip insurance coverage online. A member company of the U.S. Travel Insurance Association, owned and operated by DigiVentures Holdings, LLC, a licensed agency that works with some of the largest travel insurers in the industry. Purchases can be made directly through the website, with policies sent via email within minutes.

Related link:

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Business, Free News Articles, General Editorial, Insurance, Travel and Tourism

Hurricane Season 2019 Kicks Off Earlier Than Expected: 5 Tips for Finding the Right Travel Insurance Plan

NEW YORK, N.Y. -- The Atlantic Hurricane Season got off to an early start this year, with Subtropical Storm Andrea forming on May 20, marking the record fifth year in a row that the hurricane season arrived early. This, along with experts predicting an above average hurricane season, means that travelers could be facing an uphill battle, according to TravelInsurance.com, a leading online comparison site.

"Mother Nature may be unpredictable, but the Atlantic Hurricane season has consistently produced six or more hurricanes over the last few years, of which two to three are considered major hurricanes," said Stan Sandberg, co-founder of TravelInsurance.com. "During this time of the year, travel insurance is an important consideration to help protect against losses from cancellations and delays, and it's never too early to purchase and plan for upcoming travel."

To assist travelers navigating the many ways travel insurance can protect them this hurricane season, TravelInsurance.com has put together a list of the top things to keep in mind:

Purchase Before a Storm is Named. Once a storm is named, it's too late to purchase travel insurance. Since travel insurance is designed to cover unknown events, the date when a storm is first identified by the National Weather Service or the National Hurricane Center usually marks the date the storm becomes a "known risk." Beginning on that date, travel insurance will no longer be available to purchase to cover losses from that particular storm, unless you purchase a plan with optional Cancel For Any Reason coverage, which must be purchased within a set amount of days from your initial trip payment along with insuring 100 percent of your pre-paid and non-refundable trip costs

- Insider Tip: Purchase travel insurance early to lock in your coverage and provide coverage against future storms. Follow a storm tracking service such as the National Hurricane Center (Twitter: @NWSNHC) to stay on top of the weather.

Look for Hurricane-specific Coverage. Almost all Trip Cancellation plans provide trip cancellation, trip interruption, and trip delay coverage due to severe weather causing either a shut-down in services or preventing you from getting to your destination. In addition to coverage due to severe weather, many plans provide coverage terms that are specifically relevant to hurricanes.

- Insider Tip: Travel insurance terms can vary by plan and insurance carrier. By using a comparison site like TravelInsurance.com, you can quickly compare those differences and find a plan that is best for your unique circumstances. For hurricane-related coverage, look for the following covered reasons under a plan's Trip Cancellation coverage: (a) inclement weather; (b) accommodations if your destination becomes uninhabitable; (c) mandatory evacuation at your destination; and, (d) National Oceanic and Atmospheric Administration (NOAA) hurricane warning at your destination.

You Can Be Covered if a Hurricane Damages Your Destination Prior to Your Arrival. If a hurricane severely damages your hotel or vacation rental close to your trip dates, Trip Cancellation coverage will likely apply if the damage is significant. Your accommodations have to be made uninhabitable by the hurricane and it has to occur within 14-30 days of your travel dates.

- Insider Tip: Look in the plan's Description of Coverage for the keyword "uninhabitable." The general rule is that the damage has to cause an immediate safety risk. If it's just damage to the pool or tennis courts, as inconvenient as that may be, trip cancellation coverage won't apply.

Evacuation at Destination Must Be Official. If local government authorities at your destination order a mandatory evacuation you, likely have coverage under Trip Cancellation or Trip Interruption.

- Insider Tip: The key considerations are that the evacuation order must be an official order and it must be mandatory. A recommendation by a local newscaster isn't sufficient to cancel under this coverage.

A NOAA Hurricane Warning May Be Enough. If you are within 48 hours of your trip departure date and NOAA issues a hurricane warning at your destination, you may have trip cancellation coverage. It's important to note that your cancellation under this covered reason must occur more than 14 days from your effective date (15 days from your purchase date).

- Insider Tip: This covered reason is less common than the other covered reasons listed above. Look for the Worldwide Trip Protector Plan or Worldwide Trip Protector Plus Plan for this coverage.

For more information and travel tips, visit https://www.travelinsurance.com/.

About TravelInsurance.com:
TravelInsurance.com helps simplify the complicated world of travel insurance by providing consumers with the easiest way to compare and buy trip insurance coverage online. A member company of the U.S. Travel Insurance Association, owned and operated by DigiVentures Holdings, LLC, a licensed agency that works with some of the largest travel insurers in the industry. Purchases can be made directly through the website, with policies sent via email within minutes.

Related link:

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Free News Articles, General Editorial, Insurance, Travel and Tourism

As Hurricane Florence Nears the US, Here’s What To Know About Travel Insurance Coverage

NEW YORK, N.Y. -- As one of the first major storms of the year looms over the East Coast, many travelers may be caught off guard if their vacations are impacted, according to TravelInsurance.com. But for those who purchased travel insurance already, many of their trip costs could be covered for travel interruptions or cancellations if directly impacted by Hurricane Florence.

"If you purchased a travel insurance plan with comprehensive trip cancellation coverage prior to a storm being named, in this case Hurricane Florence, your plan will most likely provide coverage for cancellations, delays or interruptions that could result directly from the hurricane," said Stan Sandberg, co-founder of TravelInsurance.com. "This can include if your destination is severely affected before your departure, or if you are currently in an affected area and are required to evacuate early."

While it's still unclear what path and strength Florence will ultimately follow, the storm is a good reminder that now is the time to purchase insurance for travel during this year's hurricane season, which runs through November.

For those who do, here are the steps TravelInsurance.com recommends travelers take once they know their trip will be affected:

* Review your policy. Take the time to review the policy and note the covered reasons listed in the plan's trip cancellation section. If it isn't listed there, it likely isn't covered. Write down your policy number and keep a list of important contact numbers provided in your plan, including for 24/7 global assistance, customer service, and claims.
* Make contact. Most travel insurance plans provide 24/7 global travel assistance; travelers should take advantage of it. Typically, the plans include a wide range of assistance services to help get through travel delays, rebookings, and even emergency medical evacuations. Many plans also include concierge services and business assistance services.
* Keep relevant documents. Depending on the specific issue encountered, certain documents for verification purposes will be required. It is very important to insist on these papers and keep them safe, as it might slow down or impact the claims process without them. During a storm, official documents from the airline in the case of a delay or cancellation may be needed. If unsure of what documents will be needed, call customer service or review the claims procedures listed in your travel insurance documents. Create a folder to save all of your travel receipts including airline tickets, hotel bookings or cruise tickets. Also, make sure you document any loss. Having well documented travel receipts and proof of loss will save you time and hassle, which means you are more likely to have your claim paid quickly.
* Submit claim. Filing a claim is mostly about paperwork, filling it out correctly and professionally. If you are unsure of anything, it's best to ask questions directly before submitting. Most insurance providers require you to file a claim within a specific period of time from the event of loss. Some insurance providers may offer a period of a few weeks, while others may offer a period of one month to file a claim.

"It can be disappointing when your planned travel is impacted by the weather, however when you have travel insurance, one of those disappointments doesn't have to be losing your hard-earned money," continued Sandberg. "This is the type of storm that travel insurance is designed for - to protect your investment if, and when, something unexpected occurs. But remember to purchase before the storm is named."

For those who did not purchase travel insurance, contact the airlines, hotels and any pre-paid activity organizers to determine what, if any, refund policies they have. Once a storm is named, unfortunately, it's too late to purchase travel insurance coverage, unless you purchase a plan with a Cancel For Any Reason upgrade.

For more information and travel tips, visit: https://www.TravelInsurance.com/.

About TravelInsurance.com:

TravelInsurance.com helps simplify the complicated world of travel insurance by providing consumers with the easiest way to compare and buy trip insurance coverage online. A member company of the U.S. Travel Insurance Association, owned and operated by DigiVentures Holdings, LLC, a licensed agency that works with some of the largest travel insurers in the industry. Purchases can be made directly through the website, with policies sent via email within minutes.

Related link:

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