I'm not a travel agent and I've been trying to find this answer for months, but I can't find the right answer.
The reason I want to know the answer is because if you buy trip cancellation travel insurance and want pre-existing medical condition, financial default & Cancel For Any Reason / Change Your Mind coverage, many plans require you to insure 100% of your prepaid, non-refundable trip cost.
Trip cancellation travel insurance plans are priced in trip cost ranges (ie - $3001 - $3500, etc). If you have to include the Port Charges & Taxes you may be pushed into a more expensive price bracket.
For example, you take a cruise where the cost is $3350 and another $175 for Port Charges & Taxes.
- If you are age 61 and you insure in the $3001 - $3500 range, you will pay approx $215 - $260 for a good plan.
- However, if you have to include the Port Charges & Taxes, you'll have to insure in the $3501 - $4000 range and you will pay approx $245 - $295 for a good plan.
It doesn't matter to me what the answer is. I just want to know what the right answer is.
Thanks in advance,