iamtrustworthy

Hi BarbbmckBra12, It depends on a lot of factors that would reveal too much personal info in a public forum. It's best to call us for advice at 1-888-407-3854. Steve Dasseos

Hi Steerpike58, Yesterday, a customer travelling in Rome emailed about their stolen phone. And over the last few weeks I've heard more stories about how clever the thieves are getting and that they are doing thefts in teams. His policy's wording stated this in different sections: "original receipts (if available) and a complete list of stolen, damaged or lost item(s) must be provided along with proof of loss providing amount of loss, date, time and cause of loss, and a repair estimate, if the item(s) is damaged." "Claim Forms: When notice of claim is received by Us or Our authorized representative, forms for filing proof of loss will be furnished. If these forms are not sent within 15 days, the proof of loss requirements can be met by You sending Us a written statement of what happened. This statement must be received within the time given for filing Proof of Loss." "Proof of Loss: Proof of loss must be provided within 90 days after the date of the loss or as soon as is reasonably possible. Failure to furnish such proof within provided period will not invalidate nor reduce any claim if it shall be shown not to have been reasonably possible to furnish such proof during that time. Proof of Loss must, however, be furnished no later than 12 months from the time it is otherwise required, except in the absence of legal capacity." "All claims require You to provide Us with the following: a Trip invoice, itinerary or confirmation showing details of Your Trip (dates of travel, destination, etc.); and any other information reasonably required to prove the loss." It's best if you contact whoever sold you the policy for help and also to read your policy's wording. Steve Dasseos

Hi Buckimion, You cancel all your travel arrangements first and then start the Travelex claim. Steve Dasseos

Hi notjaded, I have six plans that will cover you depending on the State you live in. Would you either email your phone number at steve@tripinsurancestore.com, fill out this form: https://tripinsurancestore.com/travel-insurance-email-contact-form/ or call us at 888-407-3854 and we'll help you figure this out? I don't want you to put any private information on this public forum. Thanks, Steve Dasseos

Hi Cruzinram, If you live in the USA, we have two plans that cover you for an ill, injured or death of a pet cat or dog. Steve Dasseos

Hi gullcruiser, The major drawback when using the credit card coverage is they don't cover pre-existing medical condition coverage for you, or a traveling companion or a non-traveling family member that could worsen and, in turn, cause you to cancel or interrupt your trip. Or that could cause you to seek treatment on your trip. Steve Dasseos

Hi Markanddonna, Flying in the same day of the cruise does not void any coverages. Steve Dasseos

Hi TT304, I can't give you any advice about plans you would buy from another website. I suggest you call them about this. Steve Dasseos

Hi Markanddonna, Hurricane watches aren't covered. We had claims related to Superstorm Sandy and they were paid. Steve Dasseos

Hi hawk/hornfan, I understand what your TA is saying, but, in my opinion, it's based on either not fully understanding how trip insurance works, or they are limited in what plans they offer. You could wait until Final Payment, but you will likely pay more by waiting. Plus you will be a year older. Steve Dasseos

Hi MrGadget007, I have plans that will cover a maximum trip length of 364 days and we've insured many world cruises. Would you either call us at 888-407-3854 or email me the basics about your trip at steve@tripinsurancestore.com ? Steve Dasseos

Hi luckyinpa, Will you email me the Certificate of Coverage for this policy so I can review it? My email is steve@tripinsurancestore.com Steve Dasseos

Wow - That's a big change. When Costco's creit card took theirs away during the pandemic, they didn't go out of their way to tell anyone.

Hi 4x4, There are plans that specifically allow you to cancel if Your Scheduled Departure City or Scheduled Destination is under a hurricane warning or watch as issued by the NOAA National Hurricane Center. Unfortunately, you have to buy them at least 15 days before your departure date, so that's not an option. And, the other problem is that nothing forecasted is covered so you'll want to see what NOAA is showing. Your cancellation risk is small, but if it's an expensive trip, it might be worth it because you'll have trip interruption coverage, too.. And, it's worth getting a plan for the medical coverage. Steve Dasseos

Hi gailellen12, Trip cancellation insiurance is complicated. I'm doing a Q & A here on Cruise Critic for the Summer on 2024. It's worth you looking it over: https://boards.cruisecritic.com/forum/2724-cruise-insurance-qa-w-steve-dasseos-of-tripinsurancestorecom-summer-2024/ Steve Dasseos

Hi ScottsSweetie, I have three initial questions: - In the last 60 days, have either of you, or a traveling companion or a non-traveling family member, had any medication changes or had treatment for, had symptoms of or been diagnosed with any medical condition that could worsen and, in turn, cause you to cancel or interrupt your trip? Or that could cause you to seek treatment on your trip? - Are any of your trip costs being paid with Future Travel or Cruise Credits that you received instead of a cash refund on a trip that was cancelled or interrupted? - Is there any chance one of you might have your previously approved time off cancelled causing you to cancel your trip because they have to work? Steve Dasseos

Hi johnnyd57uk, Unfortunately, I can't give you advice about UK insurance plans. Steve Dasseos

Hi GC, Sorry about the delay responding. I was away for a few days, but thankfully I wasn't caught in the IT travel disaster. This is tricky because nearly all our customers do the same as you by arranging with private excursion companies or individuals that would give them a full refund if the ship didn't dock. A few years ago I asked all my companies this: "Are non-refundable excursions covered if a cruise ship misses or skips a port?" Most of them said "Only if due to weather or mechanical breakdown". And, a few plans also state "In the event Your Travel Supplier makes a change in Your Trip itinerary after Your Scheduled Departure Date, which prevents You from participating in an event/activity Prepaid prior to departure and scheduled on Your Trip itinerary, non-refundable Prepaid event/activity expenses will be payable up to the Maximum Benefit Amount shown in the Confirmation of Benefits. Benefits". Steve Dasseos

Hi MississippiMom, I hope you get healed quickly. I have four plans that cover pre-existing medical conditions if bought by Final Payment. Cancer's covered the same as any other medical condition with no restrictions or special requirements. If you want a specific recommendation, I'm happy to give it. Go here to give us the details: https://tripinsurancestore.com/travel-insurance-email-contact-form/ Steve Dasseos

Hi Lileesa, The reason they are different is that each State regulates what insurance products are sold to its citizens. They allow plans that meet its laws. > We always have to call a special number I've never heard of a "special number" to call to get a policy for a NY resident. Steve Dasseos

Hi 33aa, Call the insurance agent that sold you your Medigap plan and have them help you with your claim. They are obligated to help you with your claim because they earned and continue to earn a commission every time you pay your premium. I've been an insurance agent since 1989. I help all my customers with their claims if they want my help. Even though I can sell Medigap plans, Life Insurance, Annuities and a lot of other plans, I don't sell them very often because my main focus is Travel Insurance. Here's how a Medigap plan works outside the USA: https://tripinsurancestore.com/medicare-does-not-cover-you-outside-the-usa/ Steve Dasseos

Hi BazingAu, I can't speak for the "recommended websites", since I only recommend one website (https://tripinsurancestore.com/) to get a policy from. And, there's no shortage of overpriced policies. Here's what you need to be certain of: - Did you get the coverage you need? - Did your travel agent thoroughly explain what you bought and answered all your questions? - Will your travel agent help you with the claim and any changes that need to be made to your coverage? Steve Dasseos

Hi DonnaK, Unfortunately, the Annual Travel Medical Insurance I have isn't available to a NY resident. > I have had drug and dosage adjustments within the last 60 days. What date was your last medication change? Steve Dasseos

Thanks for the idea klfrodo. And, I just found out that Cruise Critic is extending this Q&A through the Summer.

Hi klfrodo, Here are the top three mistakes: 1) You get ill or injured but you don't go to a doctor. Surprisingly, we talk with many people who do this and then they wonder why their claim isn't being paid. I wrote this on November 3, 2023 about someone on a trip to Australia: https://tripinsurancestore.com/blog/you-need-to-see-a-doctor-if-you-get-ill-or-injured/ And, this past Wednesday, someone called me after returning home from a Mediterranean cruise. He had a bad fall 6 days before the cruise ended so he and his wife got off the cruise 4 days early because his foot pain was so bad. They flew home on an expensive one-way flight, too. I asked "Did you see a doctor on the ship or anywhere else before you came home?". He said he didn't want to waste his time getting a diagnosis for an obvious injury, but he did see his doctor the day after getting home. His doctor confirmed that he made the right choice to come home early and his doctor is happy to write a letter explaining what happened. SMH! I said "As a policyholder you have every right to file a claim. I cannot predetermine your claim, but it's not likely it will get paid because you never sought the advice of a licensed physician while you were on your trip." 2) They wait to buy insurance until it's too late. The vast majority of people that contact us are honest, so if it's too late to get the coverage they need, they graciously accept what we tell them and say "I'll remember that next time I plan a trip." That said, I received a call on August 25, 2011 just as Hurricane Irene was reaching the US Mainland: https://tripinsurancestore.com/blog/do-callers-think-we-were-born-yesterday/ 3) They don't insure their correct per person trip costs so their claim isn't paid in full. When we ask people what their per person trip cost is, almost everyone divides the total cost by the number of travelers. Sometimes this is the right way to do it, but not always. I wrote "How To Correctly Quote a Travel Insurance Plan" on February 27, 2008: https://tripinsurancestore.com/blog/how-to-correctly-quote-a-travel-insurance-plan/ For the last 2 weeks I was writing and re-writing another version. Thanks to @klfrodo's prompting, here's a more timely explanation: "Get Your Trip Cancellation Claim Paid in Full": https://tripinsurancestore.com/blog/get-your-trip-cancellation-claim-paid-in-full/ I hope this all makes sense. Steve Dasseos