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iamtrustworthy

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About iamtrustworthy

  • Rank
    Cool Cruiser

About Me

  • Location
    Lake Winnebago, MO
  • Interests
    Traveling, reading, writing
  • Favorite Cruise Line(s)
    Cunard
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    https://TripInsuranceStore.com/blog/

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  1. Hi luv2trvlnow, For trips affected by the Coronavirus, all the companies I know have waived their rules for just one date change. Steve Dasseos
  2. Hi Babr, This is changing. I haven't got the full answer yet, but when I do, I'll let you know. I've been emailing companies plus asking followup questions for 2 weeks. Just today I got this in an email: "We haven’t crossed that bridge yet." Steve Dasseos
  3. Hi Lindae3213, Your Travel Guard voucher is transferable so if you cannot use it you may allow anyone else, like a family member, to use it. Steve Dasseos
  4. Hi bissel, No, they cannot dismiss the claim. It has to run its course. Steve
  5. Hi gr'aunt, What you wrote sums up the problem very well. I have nothing to do with the operations of any insurance company, nor do I work for one. Neither am I a lawyer. I was surprised when I saw some companies were offering refunds because that was putting them in direct violation of their State Insurance Dept's filed policy wording that specifically says there are no refunds past the Free Look Period. I would think that the Underwriters and Reinsurance companies would privately weigh in on those procedures. I have no doubt that prices are going up in the future, new exclusions will be included and it's likely the CFAR (cancel for any reason) will be pulled or greatly scaled down. Steve
  6. Hi sippican, I'm familiar with many travel insurance plans and very few plans exclude pandemics or epidemics. The policy wording is precise and complicated at the same time. Even before the Coronavirus, there was an abundance of vague / misleading information about what a Trip Cancellation Travel Insurance plan covers. i.e. – not being excluded is different from being covered. For the plans I know best, if you bought a Trip Cancellation policy before Jan 21, 2020 you are completely covered if you get ill with the Coronavirus before your trip (trip cancellation) and on your trip (trip interruption, medical treatment, etc). The Cancel For Any Reason covers you no matter when you buy it. If pandemics or epidemics aren’t always excluded why are people getting surprised by their policy’s coverage? For the most part, people are not cancelling their trips because there are illnesses in the world. There have always been serious illnesses in different places and most people have opted not to go to those places. Instead, you’re likely being forced to change your travel plans due to any one or a combination of these common Travel Insurance Exclusions: - A government regulation, mandate or prohibition - Failure of any tour operator, common carrier, person or agency to provide the bargained-for travel arrangements. If a travel supplier changes the itinerary, but still gives you a similar trip or a future travel credit or waives the change fees, there’s no payable claim. - Changes in plans by the Insured, a Family Member, or Traveling Companion, for any not-covered reason; unless the optional Cancel for Any Reason coverage was purchased. - Fear, worry, concern about something that might happen on the trip. Read this if your doctor’s suggesting you don’t take your trip: Don’t Cancel for Your Own Medical Reasons If You’re Not Ill or Injured Q. Does a pre-departure government mandated quarantine meet the definition of a quarantine for a covered reason when the insured traveler(s) are not sick themselves? A. The Stay at Home or Shelter in Place orders are not a quarantine. Of the government orders I’ve read, they all allow you to leave your home for groceries. A quarantine wouldn’t allow you to leave a particular room. The quarantine covered reason covers when an insured is ill and is quarantined. The insured must be quarantined due to a Sickness. I hope all this made sense. If not, let me know. Steve Dasseos
  7. Hi klfrodo, Some FCCs are insurable while others are not. I've been aking lits of specific questions about them to the companies I know. I hope to have it figured out by early next week. One problem is I'm asking questions that the answers are not yet known. Six hours ago I got an email that said "We haven’t crossed that bridge yet." I'll post here what I find out. Steve Dasseos
  8. Hi NorthernMNCruiser, Sometime recently, but I don't know exactly when, Travel Insured changed what they are doing including extending the amount of time you may re-use your policy. Their website now says: "If you would like to change the travel dates on your plan to cover a new or rescheduled trip (provided you are no longer taking the impacted trip due to COVID-19) you can fill out this form for a travel protection voucher. If you know your new dates of travel, we will update your protection plan to reflect the new dates. If you do not know your new travel dates yet, we will hold your plan voucher for future use. The future or rescheduled departure date must be within 3 years from the date of your original plan application date. Voucher for future use will be provided in email format. Voucher eligibility: - Original trip departure date is between March 1, 2020 – September 30, 2020 - Travel has not and will not take place due to COVID-19 - A claim hasn’t already been filed against the plan" Steve Dasseos
  9. Hi beshears, I explained this to you in the email chain and you were satisfied with the answer. If you don't mind, would you update what happened on this thread? Steve Dasseos
  10. Hi beshears, I'm not sure why you would say this. I've been very quick to respond to your emails and requests for information. I have not been here answering many questions, though I've been doing that more frequently. Steve Dasseos
  11. Hi feenix, It's easy to have a successful cancel for any reason claim. And, it doesn't matter what reason you say, including for the Coronavirus. That's because a cancel for any reason policy means if you cancel for a not-covered you will get back whatever percent your policy pays. I tell people to say "We changed our mind", but any not-covered reason will work. If you happen to be cancelling for a covered, you'll get back all the money you lost. Steve Dasseos
  12. Hi Bissel, All policies have a 10 - 15 day Free Look Period which is the time you can cancel after purchase and get a refund. Some companies have generously been giving refunds past the Free Look Period but these are exceptions. If they stop doing this, they are not contradicting their policy wording. Steve Dasseos
  13. Hi Bissel, The Lookback Period refers to how pre-existing conditions are defined. Jan 21, 2020 is the date the first person was diagnosed with the Coronavirus in the USA. Some companies use a later date so you'll have to check with yours. As for cancelling fo a medical condition, this is another area that is getting complicated. What is now happening is that many people want to cancel, for the Coronavirus, that are not currently ill or injured. They might discover that they are in a high-risk group. Or a medical professional may suggest they reconsider their trip. A common reason to cancel your trip is you, a close family member or a traveling companion unexpectedly gets ill or injured before you leave. If a traveler is currently ill or injured, their doctor must see them in person and say they cannot travel because the current illness or injury is so disabling that you cannot travel. Your illness or injury will have to be substantiated with medical records. This is a common Trip Cancellation benefit description: Sickness or Injury, which: a) occurs before departure on Your Trip, b) Medical Treatment at the time of cancellation resulting in medically imposed restrictions, as certified by a Legally Qualified Physician, and c) and prevents Your participation in the Trip. I hope this makes sense. Steve Dasseos
  14. Hi Bissel, I suggest you find out asap. The companies that are giving refunds past their 10-15 day Free Look Period are only doing this for a limited time. One company states "This is only available for trips where your original trip departure date is between March 1, 2020 – September 30, 2020". I would not be surprised if companies pull back from this because their underwriters and re-insurers must be taking massive losses from unexpected chargebacks. Steve Dasseos
  15. Hi Papaflamingo, I'm familiar with many travel insurance plans and very few plans exclude pandemics or epidemics. The policy wording is precise and complicated at the same time. Even before the Coronavirus, there was an abundance of vague / misleading information about what a Trip Cancellation Travel Insurance plan covers. i.e. – not being excluded is different from being covered. For the plans I know best, if you bought a Trip Cancellation policy before Jan 21, 2020 you are completely covered if you get ill with the Coronavirus before your trip (trip cancellation) and on your trip (trip interruption, medical treatment, etc). The Cancel For Any Reason covers you no matter when you buy it. If pandemics or epidemics aren’t always excluded why are people getting surprised by their policy’s coverage? For the most part, people are not cancelling their trips because there are illnesses in the world. There have always been serious illnesses in different places and most people have opted not to go to those places. Instead, you’re likely being forced to change your travel plans due to any one or a combination of these common Travel Insurance Exclusions: - A government regulation, mandate or prohibition - Failure of any tour operator, common carrier, person or agency to provide the bargained-for travel arrangements. If a travel supplier changes the itinerary, but still gives you a similar trip or a future travel credit or waives the change fees, there’s no payable claim. - Changes in plans by the Insured, a Family Member, or Traveling Companion, for any not-covered reason; unless the optional Cancel for Any Reason coverage was purchased. - Fear, worry, concern about something that might happen on the trip. Read this if your doctor’s suggesting you don’t take your trip: Don’t Cancel for Your Own Medical Reasons If You’re Not Ill or Injured Q. Does a pre-departure government mandated quarantine meet the definition of a quarantine for a covered reason when the insured traveler(s) are not sick themselves? A. The Stay at Home or Shelter in Place orders are not a quarantine. Of the government orders I’ve read, they all allow you to leave your home for groceries. A quarantine wouldn’t allow you to leave a particular room. The quarantine covered reason covers when an insured is ill and is quarantined. The insured must be quarantined due to a Sickness. I hope all this made sense. If not, let me know. Steve Dasseos
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