Recent articles, like the one that ran last Friday in USA Today, explore trip cancellation insurance benefits in relation to the H1N1 flu and along the way create the potential for some misunderstandings. To sort out the subtleties, HTB takes a look at a typical product -- TripProtector from HTH Worldwide. The pandemic exclusion clause contained in the TripProtector plan applies strictly…

"The biggest crisis the world is facing is the glaring inequalities in access to health care between the rich and the poor," stated Dr. Philippe Douste-Blazy, Chairman of the Millennium Foundation, United Nations Under-Secretary and Special Advisor for Innovative Finance for Development.  As a result of the global financial crisis, small countries are suffering even more.  In an effort to…

So you've just enjoyed an exotic dinner including a liberal sampling of the local alcoholic libations (some of which are quite potent), and now it's time to drive home. Be honest, do you have any idea what your blood alcohol level might be? Nearly 90% of the world's countries have a national drunk-driving law on the books. Of course enforcement…

As speculation increases in the U.S. that the H1N1 vaccine may be available in the next few weeks, it's a good time to focus on the facts, minimize your risk, consider the big picture and recognize that countries need to responsibly share the vaccine.  World Health Organization's (WHO) updates on global H1N1 activity.   Do you know the basic facts on…

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