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Everything posted by iamtrustworthy

  1. Hi travelingla, I appreciate your kind words. You're able to buy insurance for the seven night cruise but you would still insure the entire length of the trip. Nearly all the plans I have are the same price for trip of up to 30 days long, so adding on the 10 days isn't going to affect the price. You also wouldn't need to insure any of the value of the land trip. If you cut your trip short due to a covered reason (ie - you get hit by a cement truck) and returned home early, then the travel insurance would reimburse you the money you lost on the cruise. Steve Dasseos
  2. Hi SpokanChik, I'd pick USA, but I don't know any plans that would penalize you if you selected USA or Canada. Steve Dasseos
  3. Hi Gail & Marty sailing away, Yes. You would use the amount you paid for the gift cards as your insurable trip cost. What you also will want to find out is if there are any scenrios where you will receive a refund back to the gift cards if you cancelled your trip. Steve Dasseos
  4. Hi Ashland, Sorry about that. > Do we need to also purchase cruiseline insurance for any onboard medical expenses? No. And, your Advantage Plan may have non-USA coverage for when you are out of the network. It's worth finding out. Steve Dasseos
  5. Hi donanddiane, The names of the insurance companies are listed in the Certificates of Insurance and vary from State to State. I have no idea what all their financial ratings are and al the rating agencies that are involved. Steve Dasseos
  6. Hi CarolinaKathy, It's likely that your mom has something that is defined as a pre-existing medical condition that could affect your trip. I don't want to get into your personal information on a public forum, so if you want to discuss this further and also find out about your choices for a trip cancellation plan, would you either email me at steve@tripinsurancestore.com or call us on 1-888-407-3854 or 1-816-282-6858? Steve Dasseos
  7. Hi kand64shark, There is only one Lookback Period which is the number of days prior to the purchase of the policy. Any new diagnosis or medication change does not create a pre-existing medical condition exclusion because the policy was already in effect. Steve Dasseos
  8. Hi Laura, No. The Mother has no Trip Cancellation coverage. Steve Dasseos
  9. Hi CarolinaKathy, Insuring Future Cruise or Travel Credits is tricky. All my plans will let you insure your prepaid and non-refundable trip costs when your trip is paid by any combination of Future Travel or Vouchers that you received instead of a cash refund for a trip that was cancelled: https://tripinsurancestore.com/blog/how-to-insure-a-future-cruise-or-travel-credit/ However, the credits issued from the Vantage World Travel bankruptcy are different because you weren't offered a cash refund. This means that there's no benefit to you to insure the value of the credit. In other words, you may just insure the $36,189 if this is being paid in cash. I have a question: 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? Steve Dasseos
  10. Hi land64shark, A Trip Cancellation Insurance plan's effective date is the the next calendar day after you buy it. I can't speak for all plans, but the plans I know are the days prior to the purchase of the trip cancellation insurance policy. This might help you: https://tripinsurancestore.com/travel-insurance-pre-existing-medical-condition-lookback-period/ Steve Dasseos
  11. Hi horseymike, You're welcome. GeoBlue only covers you outside the USA, so yes, you would be covered. And you would also be out of its large network so you'd have the $200 per person deductible. Steve Dasseos
  12. Hi Jersey42, I still have the same answer: "So far, I never seen GeoBlue go back to someone's primary insurance to coordinate benefits." I know they have the right to do it, though. Steve Dasseos
  13. Hi Ashland, Is your Aetna plan an Advantage plan or a former employers' retiree health plan? Steve Dasseos
  14. Hi delaware32, I'm sorry about the delay answering you - I don't know how I missed your question! You would buy one policy and it covers you from the dates you are scheduled to leave home until the date you are scheduled to return home. As for Primary or Secondary, this refers to the order that your claim is paid with respect to other insurance that covers you. This is a decison you make if you have a claim and are completing the paperwork. I hope this makes sense. Steve Dasseos
  15. Hi CJANDH, If you want good medical and medical transportation coverage, I suggest you get the Geo Blue Trekker (Multi-Trip) Essential or Choice plan for your trips outside the USA that aren't longer than 70 days for any one trip. The Essential and Choice plans cover pre-existing conditions. You may see all the Geo Blue Trekker plan details here: https://tripinsurancestore.com/geo-blue-trekker-travel-medical-plans/ Steve Dasseos
  16. Hi Pear Carr, I'm sorry, but I don't know anything about plans from the UK. On the other hand, do you own property in the USA that is title in your name? Steve Dasseos
  17. Hi Takoma, Wow. 365 days is good. All the plans I know will cover to the insured trip cost if you cancel or interrupt your trip for a covered reason, but not all plans will. Some plans have wording that says (I'm paraphrasing) if any other insurance pays, then that plan won't pay. Steve Dasseos
  18. Hi Po, I can't speak for my competitors, but we have all the policy wordings available to read and download anytime. Steve Dasseos
  19. Hi Takoma, If you are going on a long trip it's likely that your Credit Card's trip insurance won't cover you. For example, the Chase Sapphire card states that if the trip is longer than 60 days there's no coverage for your trip. It's possible you could find a credit card that doesn't have a limit on the trip length. If so, make sure you see it in writing in the Terms and Conditions. In addition, if you want specific recommendations on the plan to get for your World Cruise, email or call us. We currently have 566 customers on the 2024 and future World Cruises. Steve Dasseos
  20. Hi LodgeLady and travelfun77, I haven't found an Annual Trip Cancellation plan that is good enough for me to sell due to their plan limitations, loopholes and with what's needed to cover the changes in travel since Covid started. Look at this this thread on my CruiseCritic.com TripInsuranceStore.com - Summer 2023 Q&A: Steve Dasseos
  21. Hi Po, Anyone who sells insurance of any kind needs to be insurance licensed in the States they will be offering insurance whether or not they actually sell a policy in that State. Plus, there are continuing education requirements in order to keep their license(s) active. In addition, if you are doing business as a company or DBA, the agency itself has to meet the same licensing requirements. Plus, the agent will need Errors and Omissions insurance and likely other business licenses. It's not cheap to get the licenses because some States require you to pay more for the priviledge of selling to its residents than other States. The licensing and other training costs is our biggest expense after payroll and our benefits. Steve Dasseos
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