Alien Abduction Insurance is an insurance policy issued against loss or abduction faced due to an attack by aliens (alien abduction). The loss can be caused to a person or property. Alien abduction insurance is rare because the burden of proof that a person has been attacked relies upon the owner of the insurance policy. The person who takes alien abduction insurance should prove to the insurance company that he/she has suffered a loss due to aliens. In case the insured person proves that they were abducted and returned to earth by aliens, then compensation can be made. The insurance policy is only redeemed if the insured is abducted by aliens. The abductee is required to produce a high standard proof, a move that is aimed at discouraging fraudulent claims.
Reasons for alien abduction insurance
The thought that aliens exist in outer space and are doing strange things to humans is debatable. Though there might be some scientific theories explaining the possibility of life on other planets, it is not a reason to confirm that these extraterrestrial beings have been visiting planet earth. Most people consider alien abduction strange, but if someone feels that alien abduction can cause damage or loss, that person can take alien abduction insurance to cover against any loss or damage that may result from alien abduction. This is important in ensuring that such a person is returned to the initial financial position before the alien abduction. The alien abduction insurance can be used to protect someone and his/her family against future financial losses that may result from alien abduction.
Coverage offered by alien abduction insurance
Policies and cover differ in countries, but the cover is aimed at covering one against alien abduction: stress, death, pregnancy, and illness that may result from the condition. The coverage that humans receive under an alien abduction policy include:
- Space sickness
- Organ insurance and bodily mutilation
- Alien chip removal
- Unknown disease and DNA defects
- Pregnancy and multiple births
- Interstellar travel insurance
- Planetary health care
- Repatriation between universes
- Brain and body separation
In case of an abduction, the biggest problem is contacting the earth and the insurance company since not all planets have a communication channel with planet earth. Lastly, individuals taking alien abduction insurance can take third party theft and mutilation alien insurance in case they are farmers. In case the insured’s cow is mutilated or detained, such a person can make a claim for compensation after meeting all the required conditions.
How to make an alien abduction insurance claim
It may be simple to make a claim against alien abduction, but proving it and convincing the insurer to believe is a daunting task. The tests required to confirm such a claim are more stringent than other normal insurance. A claimant may be required to perform the following:
- Undertake a lie detector test
- Get a DNA sample of the alien’s race
- Provide travel documents that can prove the claimant left planet earth
- Medical exams to detail mutilations
- Third party witness statements, alien or human
- Receive signature from the captain (alien) of the space ship to confirm that the claimant was detained
- Provide a picture or video of the alien
After a claimant satisfies the insurer, the claimant receives monthly payouts or a lump sum depending on the policy.
UFO Insurance was among the first companies to launch alien abduction insurance. According to UFO insurance, they had already paid at least two insurance claims when two individuals claimed they were bitten by vampires. These individuals were bitten by a bat though UFO thought the loss was negligible and approved the claim to start paying $1 yearly to the policyholders for a period of 1 million years or until death.