Question:
We are booking a trip with another family; so different addresses. If one family had to cancel for a covered reason, but the other family still wanted to proceed with the trip, could the cancelling family still file a claim to receive reimbursement for their portion? Does the answer change if a single plan is purchased vs separate plans? I'm guessing separate policies would be needed to receive reimbursement.- RyanM,01/03/2024
Answer:
If one traveler or family has to cancel for a covered reason, they can file a claim for their portion of the overall trip cost. All other travelers can still be covered for their portion of the trip cost and be covered during the trip. You can all be on the same policy together with most providers if you live in the same state and travel on the same dates. You are still covered just the same as if you were listed on separate policies though.
Question:
My wife and I will be paying all of the expenses for a trip with our 3 adult children who all live in different states. Should they get their own policies even if they are not paying for the trip? Do they declare the cost of the trip to be the amount that we are paying for them? Thank you for your assistance.- TimH,12/17/2021
Answer:
If you live in different states, you will need separate policies. It wouldn't matter who pays for the travel arrangements though. Each traveler would insure their portion of the total trip cost on their policy. You are all still covered just like you would be if you were all listed on the same policy together, keep in mind, so if one traveler had to cancel the trip for a covered reason, you are all covered even though you are insured on separate policies.
Question:
I travel with a friend who lives in a different state. She pays the balance of the trip with her credit card and I write her a check for my half of the costs. Even though my name is on the invoice, only her address and email are used by the travel company. So far it has worked, but I am worried that if I need to make a claim, I will run into trouble providing adequate documentation for my expenses.- SarahD,11/01/2021
Answer:
This is very common and won't cause any issues during a claim. It wouldn't matter who pays the travel suppliers directly. As long as you can show proof of payment for your portion of the total trip cost, such as a copy of the check you are sending your traveling companion, you can be covered for your portion of the total trip cost with Trip Cancellation and Trip Interruption.
Question:
If two people from different households are sharing the cost of VRBO, what cost does each put on application for insurance? Half of the total VRBO cost--or the full cost for the VRBO?- BonnieJ,08/21/2021
Answer:
You would each insure your own portion of the total trip cost on each separate policy.
Question:
What is the latest point in a trip reservation that you can buy trip cancellation coverage.- Jody,05/04/2021
Answer:
You can purchase most policies up until the day before departure, however; you may not be eligible for some time sensitive benefits if you do not purchase within 10-21 days of the initial trip deposit/payment. Some time sensitive benefits are, but not limited to: Pre-Existing Condition Waiver, Financial Default, Terrorism, Cancel For Any Reason and Cancel For Work Reasons.
Question:
My husband and I plan on travelling with another couple in the US. We live in different states and plan on booking two hotel rooms If we have seperate insurance coverage are we covered if there is a death in the family of the other couple and they need to cancel?- Jody,05/04/2021
Answer:
Yes, the Trip Cancellation coverage extends to Traveling Companions as well, even if you are insured on separate policies. The number one covered reason for Trip Cancellation and Trip Interruption is the unforeseen illness or injury of you or a traveling companion that deems you unfit to travel, by order of a licensed physician; or the unforeseen hospitalization or death of a family member. To see all of the covered reasons to cancel or interrupt your trip, please click on the dollar amount that appears under the words "Trip Cancellation" when viewing a quote. Trip Cancellation reimburses 100%.
Question:
I plan on taking a trip with 9 people. Not all of us live in the same state. We all have our own residence. One person is putting the cost on a credit card and we each are reimbursing that person. Can we still get “cancel for any reason” insurance?- JessicaS,04/12/2021
Answer:
Yes, you can all still obtain "Cancel for Any Reason" if you qualify for that benefit. You will need separate policies though if you live in separate states, regardless if only one person is paying for the entire trip. You would each insure your own portion of the total trip cost separately on each policy. There are typically 3 conditions that must be met to purchase a Cancel For Any Reason Rider: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, this benefit will typically reimburse you 75% of your trip cost, unless otherwise noted. Please do not hesitate to call us at 800 487 4722 for assistance with quotes for your trip.
Question:
I plan on taking a trip with someone who resides in a different state. Can we book our trip together then purchase separate policies for half of the price of the trip, or will we need to book the travel individually and also purchase separate policies?- Mike,03/24/2021
Answer:
You can book your travel arrangements together if you like. However, you will need to purchase separate policies since you live in different states. You each would cover your portion of the total trip cost on your own policy.
Question:
If traveling with adult children in different states and we all get different policies because of that, if one person has a coverable cancellation event, would everyone be able to cancel with reimbursemnt?- Jen,07/05/2020
Answer:
Yes, if one traveler has to cancel or interrupt the trip for a covered reason listed in the policy certificate, all travelers who are insured are also covered to cancel or interrupt as well. Trip Cancellation / Trip Interruption extends to family members and traveling companions, even if you are on separate policies.
Question:
I live in Florida, and will be trveling to Mexico with my children & Grandchildren who all live in New York State. Will they be covered?- ArthurF,03/10/2020
Answer:
If you live in different states, you will need to obtain separate policies.
Question:
Can a mother-in-law from Costa Rica be included in a U.S. householder's travel insurance plan?- Jerry,02/24/2014
Answer:
Unfortunately, no. Only the costs of travelers that reside in the United States can be included in a Comprehensive Package Plan. She may qualify for a separate Medical Plan, which would include coverage for medical and medical evacuation.