Question:
what is the "total cost of trip" when purchasing travel insurance for a vacation rental home and when splitting the all rental costs with friends. The home rental will be in my name alone and my friends will be reimbursing me for rental costs.- JoanB,07/29/2023
Answer:
The total trip cost on the policy should reflect all prepaid non-refundable travel arrangements paid for prior to departure for everyone that is listed on the policy. If you are renting a vacation home and the rental agreement says that other occupants or guests will be staying in the rental, they will also have to be listed on a policy if you want to cover the total cost of the vacation rental. We suggest calling us and speaking with a representative so we can better assist you with a quote.
Question:
In addition to flight tickets and hotels, I also prepay sport event tickets and show tickets. All are non-refundable. Are these items include in the travel insurance?- emily,04/13/2023
Answer:
Yes, you can insure all prepaid non-refundable travel arrangements paid for prior to departure including prepaid non-refundable event tickets.
Question:
If a trip is interrupted due to illness before you entered the countries that required visas, can you include the visa cost in your travel insurance claim?- Helaine,12/22/2022
Answer:
The cost to obtain a visa or a passport is not insurable with Trip Cancellation / Trip Interruption, unfortunately.
Question:
Does “Cancel For Any Reason” coverage include “Cancel For Work” and “Cancel Event”?- Ina,04/06/2022
Answer:
With "Cancel for Any Reason", you can cancel for any reason whatsoever as long as you qualify for this coverage. "Cancel for Work Reasons" is a separate benefit under Trip Cancellation which reimburses 100% if you meet the requirement for that benefit stated in the certificate. 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.
Question:
The policy I am looking at states you must insure for pre-paid trip costs that are subject to cancellation penalties or restrictions in order to qualify for the pre existing conditions waiver. If I purchase airline tickets with no change fees ( I can use the money towards another flight in the future) does the cost of the airline tickets need to be included to qualify for the waiver?- Dennis,05/17/2021
Answer:
Yes, the airfare or travel arrangements have to be 100% refundable in cash (not a credit or voucher) on the day of departure to not be able to insure that expense. If it is not fully refundable, you will need to insure that expense with all other prepaid non-refundable travel arrangements to be eligible for the pre-existing conditions waiver. Most Comprehensive Plans will offer a waiver of pre-existing conditions if you meet the following conditions: You purchase the policy within 10 - 21 days of making your first trip payment; insure ALL prepaid non-refundable expenses prior to your departure date; and be medically fit to travel the day you purchase the policy.
Question:
I'd just like to be super clear. If I have to pay a cruise deposit asap - over a year before departure and the final payment either 90 or 120 days before, and plan to buy airline tix closer to the date, can I wait until then, or should I buy now and add costs as they accrue?- TracyC,01/11/2021
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. You can insure what you have paid for to date and any known costs. Once you make subsequent payments towards the trip prior to departure, such as buying airline tickets, you can contact us and update your existing policy accordingly.
Question:
Should I insure the base cost of my cruise or do I add the taxes and port charges- Renee,07/15/2019
Answer:
If the taxes and port charges are prepaid and non-refundable prior to departure you can insure this expense with all other prepaid non-refundable travel arrangements.
Question:
I will be traveling to Japan. I just paid for my airline tickets. I may be making some restaurant reservations that require non-refundable fees. If the insurance coverage I select includes the value of these fees are these amounts covered by trip insurance?- RonaldW,01/24/2019
Answer:
If the restaurant reservations are prepaid and non-refundable prior to the departure date of the trip, you can insure the cost of these reservations along with all other prepaid non-refundable travel arrangements.
Question:
I have just rented a villa in Jackson Hole for a family vacation in fall of 2019. However, I will not purchase either airline tickets or a guided fishing trip, both of which I would like to insure, until closer to the trip. Do I just estimate what those costs will be or do they have to be exact? How do I insure part of the trip now and the other part later on??- Peggy,07/18/2018
Answer:
You can insure what you have paid for to date or any known costs, and once you make subsequent payments towards the trip, you can contact us and update your existing policy accordingly, as long as you contact us prior to departure.
Question:
Hi. I made a deposit on a cruise November 10, 2017. My final payment is due February 6, 2018. I was wondering if I need to purchase travel insurance now or can I wait until I make my final payment? When is the best time?- Tristina,11/14/2017
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 10-30 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:
We have 5 cabins for next years family cruise . All of course under names of those cruising although hubby and I are the payers. Can we insure the cost of all these some way since it is our out of pocket should someone not be able to go- GladysF,06/22/2017
Answer:
Even though you are the ones paying for the trip, each traveler would still insure their portion of the trip cost as long as its prepaid and non-refundable.
Question:
I plan on redeeming credit card rewards points for onboard credit for an upcoming cruise. If I have to cancel the cruise these credits are forfeited and totally non-refundable. Can I insure the amount I will be receiving in onboard credits?- Cheryl,06/22/2017
Answer:
You are only able to insure the taxes and fees you paid to redeem the miles or points, as long as they are prepaid and non-refundable.
Question:
What are the ramifications of not insuring the full amount of a trip? For example, if I insure the non-refundable hotel and airfare, but not the tours (which are also not refundable, but of a lesser amount), will there be a problem if I need to cancel the trip for a covered reason? I am fine losing the tour costs in that case because of the deminimus cost- LauraB,05/11/2017
Answer:
As long as you are not purchasing a policy that has benefits which require you to insure 100% of your prepaid non-refundable trip cost, you can insure any travel arrangements you wish to insure and you would only be reimbursed that amount if you had to cancel your trip for a covered reason. The benefits that require you to insure 100% are the pre-existing conditions waiver and cancel for any reason.
Question:
I am going on an adventure tour in South Africa with an entity that is an NGO. Can/Should I use the contribution I have made for this tour as part of the total trip cost along with air fare, hotels, etc.?- JaiA,05/04/2017
Answer:
If your tour cost is prepaid and non-refundable, you can insure this travel arrangement with all of your other prepaid non-refundable travel arrangements.
Question:
I'm unclear about hotel and tour costs that are not "prepaid" but are guaranteed with a credit card and all or a portion will be forfeited if I don't cancel within a certain time period (24 hrs, 48 hrs, 5 days etc). I will be on a trip spanning 3 weeks, but I will not "lose" the money "prior to departure" from home because I will be on my trip when these deadlines occur. For example I will be on a 2 week cruise in Europe, then flying to Iceland after that. In Iceland I've reserved lodging thru Airbnb. I've paid in full but its refundable IF I cancel at least by 5 days in advance. After that its nonrefundable. So if something happens the day I get off the cruise and I can't go to Iceland (for a covered reason), will the Airbnb lodging cost be covered? Should I include that cost in my trip cost estimate?- Diane,04/02/2017
Answer:
You can only insure prepaid and non-refundable travel arrangements prior to departure. If you are concerned that you will lose out on these arrangements if your trip is interrupted for a covered reason, we highly suggest contacting your travel suppliers to see if you can prepay these travel arrangements prior to departure. This way you can include these travel arrangements in your Trip Cost, and if you had to cancel or interrupt your trip for a covered reason, you are eligible for the maximum reimbursement of your trip cost.
Question:
If my airline credit card has good cancellation/delay insurance for airfare (and perhaps lost/delayed baggage), do I need to include the cost of airfare in travel insurance (for a cruise or for a land tour). if I intend use the cc card benefits to cover the airfare reimbursement of cancelled/delayed flight that is part of ahr larger trio and use the other (primary) insurance for the rest of the costs?- BarryL,03/27/2017
Answer:
You would only want to insure the prepaid non-refundable travel arrangements that are not already covered with other insurance policies. If a portion of your Trip Cost is already covered through your credit card insurance, please do not include those costs in your Trip Cost when filling out the quote form on our website.
Question:
We are planning a captain only charter in the BVI's as a family trip We are thinking of using travel insurance to cover the cost of the catamaran and food. Do we need to include each person traveling or can we insure two of us (the parents) to cover the cost of the boat? We are all related. Thanks- Becky,03/09/2017
Answer:
For this type of trip, we would highly suggest calling us and speaking with a customer care representative that way we can gather some additional information from you and from there we can explain how to insure a trip that includes charting a boat.
Question:
If plane tickets are purchased with points earned on a credit card, and points have a monetary value, can the tickets still be covered by insurance?- Bernadette W,03/05/2017
Answer:
You can only insure the prepaid non-refundable taxes and fees you paid to redeem the points. Most policies will cover the re-deposit fee up to a specified amount to redeposit the points back into your account if you had to cancel the trip for a covered reason. You wouldn't be able to insure the monetary value of the tickets.
Question:
Will a claim be denied if I did not pay for non-refundable expense, rather my company did? Or, for example, an organization in India is flying me over to do a project for them. They paid for my airfare. I take out travel insurance primarily for medical and evacuation. If I have to make a claim, could I be denied because I did not incur the expense?- HilaryS,02/15/2017
Answer:
It does not matter who pays for the trip, as long as the travel arrangements are prepaid and non-refundable, you can purchase coverage. Please keep in mind, you do not need to insure a trip cost if your only concern is having medical and medical evacuation coverage.
Question:
I am lookng at renting a VRBO home and would like to see if there is any trip cancellation insurance available. I have 4 elderly parents and am looking to see if I could purchase insurance to cover the cost of the rental in the event of a medical illness or any other reason if something happens to my relatives. can you give me this information please- JULIED,02/01/2017
Answer:
As long as the rental is prepaid and non-refundable, you can insure it. 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. This applies to all comprehensive plans.
Question:
My sister lives in Taiwan, she wants to attend the princess cruise, can she buy the travel insurance?- MayL,05/03/2014
Answer:
The Medical Plans are available to residents of most countries. The Comprehensive Package Plans, which include trip cost protection, are only available to residents of the United States.
Question:
Should I include costs for items I have not purchased yet, but will purchase before leaving? For example, theme park tickets are non-refundable, but I haven't bought them yet. Can the coverage amount be adjusted after the initial purchase?- Andrea,04/25/2014
Answer:
Yes, you would be able to add on the costs after purchasing the policy. In the event you add additional trip expenses after you purchase a policy, you must call us within 10-21 days (policy specific) of adding the additional expenses so we can re-quote your policy and add the additional trip cost onto your existing policy.
Question:
One of my hotels is not pre paid, but I will be charged if it is not canceled prior to a certain date. Will that be covered?- Christina,03/03/2014
Answer:
If this is an amount of money that you would lose if you had to cancel the trip prior to departure, then yes, you can insure that.
Question:
Is the total cost of airline tickets covered by trip insurance, i if the airline will give you a year from date of issue to fly, minus a $250.00 change fee. Would the insurance cover only the $250.00 fee or the whole cost of the tickets? I am trying to decide whether or not to include ticket cost for the insurance coverage? Thank you!- Joan,02/08/2014
Answer:
These policies are designed to reimburse you if you cancel your trip completely due to a covered reason. You would insure the full value of the tickets so you could be reimbursed for the full value of the tickets. These would not reimburse for a change fee.