Question:


I purchased non refundable airline tickets for a family trip in August. We don't have to pay for the hotel until we arrive. We just learned that my granddaughter has to be home the week we were going to be away for high school orientation and team tryouts so we want to move our trip up a week. Would cancellation insurance cover that?
Howard,
11/30/2013

Answer:


Unfortunately, insurance is for unforeseen events. Since you are already aware that you need to make changes to your trip, insurance will not cover this. Also, in the future, the Trip Cancellation benefit is if you need to cancel your trip completely due to a covered reason, and not to reschedule the trip.
NicholeH,
Customer Care insureMyTrip
11/30/2013
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Question:


I will not purchase airline tickets until months after purchasing trip insurance. can we just insure the non-refundable costs of hotels? We might have non-refundable fees for re-scheduling the air faire and want to insure that we are not disqualified from canceling for any reason.
CHARLESR,
12/22/2013

Answer:


Since you do not know the cost of your airfare, you can insure what you have for non refundable expenses thus far, to get the policy in place during the time requirement for Cancel For Any Reason. Once you book additional arrangements, you can then call us back within 10/14/21/30 days (policy specific) of booking that arrangement to add it to your policy, pay any additional premium due, and keep your Cancel For any Reason Rider. When you are requesting the optional Cancel For Any Reason Rider you must insure ALL pre paid non refundable expenses. Unless you would receive the full value of the air travel ticket back in cash, the ticket is non refundable. Some airlines offer you the ability to pay a fee and reuse the ticket within a year, this does not equate to being a refundable ticket, because at no point can you get your actual money back. In these types of situations, you would need to insure the full cost of the ticket to be Cancel For Any Reason compliant. When it comes to regular trip cancellation (specific covered reasons), provided you are not insuring for pre-existing medical conditions coverage, on most plans you would be able to insure the "re-issue" fee charged by the airline to re use your ticket if you so choose. Please keep in mind if you choose to do this, and then are unable to use the ticket within the allotted time frame set forth by the airline, you cannot go back and change your claim to the full cost of the ticket.
ChristopherG,
Customer Care insureMyTrip
12/22/2013
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Question:


I am planning on a month long trip with a tour company.It will take me to 3 countries. There is the main trip with a pre and post trip country. When looking at policies, they don't seem to make allowances for the pre and post trip countries. Do I purchase based on the country I will spend the most time in, the main trip country? If so, will my time in the other countries be covered?
Judith,
01/25/2014

Answer:


The length of a "trip" is considered from the day you leave your home until the day you return home and you would insure all prepaid, non-refundable travel arrangements that are made prior to departure. The destination is whichever country you will be spending the most time in during your trip. If you'll be visiting several destinations equally (or spending most of it on a cruise ship) then list the country where your trip begins. You will still be covered while traveling outside of the selected country, so long as you are not visiting a destination that is considered restricted. If a policy does consider certain destinations restricted, you can find this list in the terms and conditions section.
NicholeH,
Customer Care insureMyTrip
01/25/2014
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Question:


How far in advance must I get travel insurance?
LINDA,
02/11/2014

Answer:


As soon as you make the first deposit/booking/payment towards the trip you become eligible to buy insurance. We recommend purchasing it within the first 10-21 days after making this payment (especially if you need coverage for cancel for any reason or pre-existing conditions), but you can technically buy coverage up until the day before departure.
David M.,
Customer Care insureMyTrip
02/11/2014
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Question:


We will be using frequent flier miles to "pay" for our airfare. If we need to cancel the flights, we will not incur any penalties due to my frequent flier status. Do we need to include this for a policy that includes "cancel for any reason?"
ElizabethL,
03/05/2014

Answer:


You would only need to include any out-of-pocket taxes or fees paid when the tickets were booked. You would also want to include any fee the airline would charge to redeposit your miles back if you canceled the trip.
NicholeH,
Customer Care insureMyTrip
03/05/2014
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Question:


I am going on a mission trip and the cost is variable depending on supplies needed. If I can not go they will refund my money except for airfare so do I only use airfare as my cost of trip to insure?
LindaM,
03/10/2014

Answer:


Correct, only pre-paid and non-refundable expenses can be insured.
David M.,
Customer Care insureMyTrip
03/10/2014
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Question:


We are traveling with friends and they are booking our flights using their credit card. We are reimbursing them. Can we still get travel insurance?
CG,
04/05/2014

Answer:


Yes, you insure items based on who is listed on the reservation, not necessarily who pays for it.
ChristopherG,
Customer Care insureMyTrip
04/06/2014
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