iamtrustworthy

57 minutes ago, TheOldBear said:

When Cunard rescheduled M432B departure date from 6 October 2024 to 4 October 2024, I requested a matching change in the policy dates.

 

Looking at the email chain an web site, I have a copy of the Trip Insurance Store's request to change the start date to 4 October 2024, and the insurance company's reply confirming a new effective date of 4 October 2023, forcing the expiration into the year before the coverage was supposed to start.

 

Hi TheOldBear,

I got your email and replied with a copy of your policy showing travel dates of 10/4/24 - 10/25/24.

Steve Dasseos

On 10/2/2024 at 11:31 AM, LHARTWICK said:

At what point is a hurricane considered a "named" hurricane?  Is it during the initial forming stages when they are given a number for a name or when it is given an official name like Helene or Kirk?  

HI LHARTWICK,

A hurricane is considered a named hurricane when it becomes a tropical storm, which occurs when it has sustained winds of at least 39 miles per hour.

Steve Dasseos

On 9/29/2024 at 3:44 PM, Shal1 said:

 

I see this is an older post but I'm wondering if you ever found this coverage.  I'm looking for the same thing as I have no need for medical but would like CFAR in case I need to cancel for a sick pet or some other usually non-covered reason.

Hi Shal1,

There still aren't any Trip Cancellation & Trip Interruption plans.

Steve Dasseos

On 9/24/2024 at 11:01 AM, mnocket said:

I use a Chase Saphire Reserve card for all my travel.  I'm booking a VERY expensive cruise, and the cruise cost alone will significantly exceed my card's $20K insurance coverage. My insurance concerns are heightened by the fact that this is a Crystal cruise, and I will be making a refundable payment in full at the time of booking.  My intention is to buy a policy to cover the trip costs that exceed that limit.  Are there any concerns, or traps associated with this approach?  For example, are there any problems or consequences with buying a policy, when I book the cruise, for only that portion of the cost that exceeds the $20K limit?  If my policy includes evacuation coverage, is it affected if only a portion of the total trip's costs are covered by the policy? 

Thanks

Hi mnocket,

This can be done, and we do it very often for our customers, but if you need pre-existing medical condition coverage for you, or a traveling companion or a non-traveling family member, it can be tricky. It's also tricky if you want the Cancel For Any Reason coverage.

Steve Dasseos

On 9/21/2024 at 9:38 AM, TotesMcGotes said:

What is the general consensus on buying travel insurance to cover the costs of refundable tickets/fares.  When I took my first cruise back in July, I added up all my travel costs (cruise fare, hotel fare and airplane fare) and bought travel insurance based off that amount.  Both my airplane and hotel were fully refundable.  I am going on another cruise in February and this time around, I wanted to save a little on the cost of travel insurance, and just wanted to insure the amount of the cruise fare.  Is this recommended, or should I continue like last time and include the other fare amounts as well?

Hi TotesMcGotes,

Some plans penalize you if you don't insure your full prepaid, non-refundable trip costs while others don't. You might find this helpful:

https://tripinsurancestore.com/what-is-your-trip-cost/

Steve Dasseos

12 hours ago, NW Pacific said:

Travel Insured International.  If we have to cancel it will be prior to leaving.  Well of course if we get to go I know if something comes up to save save documentation.  Got Insurance through  insure my trip dot com

hoping to hear from someone that filed claim under CFAR

 

Hi NW Pacific,

Contact insure my trip for their advice, too. And make they help you with your claim.

Steve Dasseos

I'm sorry, but I can't give advice about non-USA travel insurance plans.

Hello,

I was wrong - the post I attributed to Feeling Sand-tastic was not from Feeling Sand-tastic. In my haste to respond to Feeling Sand-tastic's comments about me, I mistakenly thought Feeling Sand-tastic quoting the post meant the post was from Feeling Sand-tastic.

Steve Dasseos

Hello,

I was wrong - the post I attributed to Feeling Sand-tastic was not from Feeling Sand-tastic. In my haste to respond to Feeling Sand-tastic's comments about me, I mistakenly thought Feeling Sand-tastic quoting the post meant the post was from Feeling Sand-tastic.

Steve Dasseos

Hello,

I was wrong - the post I attributed to Feeling Sand-tastic was not from Feeling Sand-tastic. In my haste to respond to Feeling Sand-tastic's comments about me, I mistakenly thought Feeling Sand-tastic quoting the post meant the post was from Feeling Sand-tastic.

Steve Dasseos

14 minutes ago, Feeling Sand-tastic said:

The post you quoted is NOT my post.

 

There is nothing to look into.

 

I did not receive any assistance from IMG when I was in the Athens hospital.

We called you because we needed help and IMG was not delivering.  You said you would reach out to your IMG contacts and that you would call us back.

 

You didn't call us back and IMG Emergency Travel Assistance was non-existent. 

 

 

When we asked IMG for translation assistance, they said no one was available at night or on weekends. They took my husband’s information and said that someone would call us back to assist. 

 

I was very disappointed that you did not follow-up and try to get assistance for a client who reached out to you when they were injured while on vacation . Especially after we have been loyal customers for years and have sent you many referrals.

 

We received the “run around” from IMG representatives. 

 

IMG did not provide any help whatsoever.  IMG did NOT provide the covered benefits/services during my urgent/emergency situation.

 

After I returned home, I wrote a letter to CEO Paraboschi, of IMG. I detailed all the issues I encountered and that IMG should have handled.  I documented all my email correspondence and all my phone calls to, and messages I received from IMG representatives.

 

It was only after my email to the CEO, that I received any assistance. I was told that my claim would be personally handled and expedited going forward because of their poor customer service and their failure to deliver services as outlined in insurance policy and schedule of benefits. 

 

I guess IMG’s definition of expedited is 10 weeks. It took 10 weeks for me to receive a check for ALL the expenses I incurred. 

 

So, thank you for your offer to look into it. When I needed your help in Athens, you failed and did not follow up. I do not need your help now. I got reimbursed for all my expenses without any help from you.

We help everyone with claims, so I don't know why you won't let me know who you are. Your profile says Sarasota, but I can't find a customer named Deb who is in Sarasota.

Over 18 months ago we had a customer, that we were already helping with their claim, send a letter to the President of IMG expressing their frustration about the amount of time the claim was taking. That claim was settled well over a year ago.

Hi Deb,

I still don't know who you are. If you want to email me and tell me who you are, I'll look into it and respond here if you want me to.

Steve Dasseos

5 minutes ago, Feeling Sand-tastic said:

Steve, I purchased my policy directly from you. I never said I purchased a policy from a TA.

Here's where you said it:

I still don't know who you are. If you want to email me and tell me who you are, I'll look into it

Steve Dasseos

8 hours ago, Feeling Sand-tastic said:

I have purchased several policies from Steve and I will never purchase from him again.

 

While on vacation in Greece, I broke my ankle and my wrist. We called Steve from Greece to get his assistance. When we needed help getting the services covered in our policy, he was too busy. (We needed help with language interpreters and obtaining medical records from the Athens hospital and an extra seat to fly home)

 

He says he will assist when you need to file a claim. However, he didn't even pick up a phone to see how I was doing or if my husband needed any help. 

 

I do not recommend Steve or his insurance services.

 

Buyer Beware!!!!!

Hi Feeling Sand-tastic,

I don't know who you are by your CruiseCritic ID.

A few minutes ago, I responded to you from a similar comment you made complaining about me in these threads:

And:

You said "we purchased a single trip policy through our TA and it was significantly cheaper than what I found online via the recommended websites." Since you bought your policy from your TA, I don't understand, how I would be involved in your claim. Your TA should be helping you with your claim.

Steve Dasseos

2 hours ago, Feeling Sand-tastic said:

 

@GeezerCouple, @Dickinson: 

 

I am glad Steve has been extremely helpful to you. Unfortunately, I had  a very different experience with Steve and with the IMG travel insurance policy he sold me. 

 

When we asked IMG for translation assistance, they said no one was available at night or on weekends. They took my husband’s information and said that someone would call us back to assist. 

 

I was in the hospital for over 9+ hours and since we did NOT hear back from IMG, we called Steve and asked for his help. He said he would reach out to his contacts at IMG and would follow up with us.  

 

Steve never did not follow up with us. (Very disappointed with Steve’s lack of care, concern or follow-up for his clients. Especially after we have been loyal customers for years and have sent him many referrals.)

 

We received the “run around” from IMG representatives. 

 

IMG did not provide any help whatsoever.  IMG did NOT provide the covered benefits/services during my urgent/emergency situation.

 

After I returned home, I wrote a letter to CEO Paraboschi, of IMG. I detailed all the issues I encountered and that IMG should have handled.  I documented all my email correspondence and all my phone calls to, and the calls I received from IMG representatives.

 

It was only after my email to the CEO, that I received any assistance. I was told that my claim would be personally handled and expedited going forward because of their poor customer service and their failure to deliver services as outlined in insurance policy and schedule of benefits. 

 

I guess IMG’s definition of expedited is 10 weeks. It took 10 weeks for me to receive a check for ALL the expenses I incurred. 

 

Again, Buyer Beware!!

Hi Feeling Sand-tastic,

I don't know who you are by your CruiseCritic ID.

A few minutes ago, I responded to you from a similar comment you made complaining about me in this thread:

In that thread, you said "we purchased a single trip policy through our TA and it was significantly cheaper than what I found online via the recommended websites."

Since you bought your policy from your TA, I don't understand, how I would be involved in your claim. Your TA should be helping you with your claim.

Steve Dasseos

8 hours ago, Feeling Sand-tastic said:

Steve,

 

The questions you posted are good and valid questions! 

 

My question to you is: "Where were you when my husband and I called and told you we needed help when I broke my ankle and broke my wrist while on vacation in Greece?" 

 

Steve Dasseos, why didn't you follow up to see if we needed assistance filing a claim? 

 

I will never recommend you or your company. 

Hi Feeling Sand-tastic,

I don't know who you are by your CruiseCritic ID.

And, you said "we purchased a single trip policy through our TA and it was significantly cheaper than what I found online via the recommended websites." Since you bought your policy from your TA, I don't understand, how I would be involved in your claim. Your TA should be helping you with your claim.

Steve Dasseos

4 hours ago, 39august said:

We have paid for cruiseline travel insurance in advance. If we buy an annual policy before that next cruise, if we cancel the paid insurance, would there be any refund? 

Hi 39august,

What's the Free Look period of the policy?

Steve Dasseos

On 9/3/2024 at 11:36 PM, BarbbmckBra12 said:

I am sailing on Holland America and was offered insurance by the cruise line. I have always used Allianz. Should I stick with them or use the cruise company’s insurance?

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

5 hours ago, Steerpike58 said:

I posted this in the Europe sub, but then saw this dedicated insurance sub so am posting a revised version here.  If mods wish to delete the other one thats fine.

 

Can't believe this happened to me but it did (two days ago ... just joined ship today). Very clever trio in metro; a guy sprang from behind and started retching at my feet (as in, pretending to vomit), I lept back to avoid him, and he ran off, and that was it.  5 mins later i noticed my phone was gone (it was in a top front pocket so not entirely secure but had been using it to check station names, walking directions, etc). I then realized a young respectable-looking couple to my right also ran, and pieced it together that they were scoping me out and got the phone when the guy startled me.  I'm pretty  alert and savvy so this blew me away. We were holding back at the bottom of the escalator to let the crowd thin out when it happened.  The young couple also seemed to be holding back, which just seemed the smart thing to do. 

 

Anyway, $1,200 brand new phone is gone.  The ship sailed the next morning at 11 and top priority that evening was to remote lock or wipe the device.  I did visit the police station near hotel in the morning but they couldn't file a report because ...boss wasn't there to sign (basically 3 guys sitting around doing nothing...). They sent me to another station but by then time ran out.  

 

So .... I'm sure this happens a lot in rome ... have you had any luck making a claim on insurance without a police report? Their requirement is for 'proof of loss' I believe. The timing of being in port for so little time makes filing reports so hard.

 

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

On 8/30/2024 at 1:57 PM, Buckimion said:

I have a trip booked with Carnival for late 2025 but my transplanted kidney just failed after nearly 15 years and I'm headed back to the waiting list. I no longer feel comfortable keeping my cruise but had bought "Cancel for any reason" insurance from Travelex last year when first booked. Do I cancel the trip and then file a claim? Or how do I go about this?

Hi Buckimion,

You cancel all your travel arrangements first and then start the Travelex claim.

Steve Dasseos

2 hours ago, notjaded said:

I'm contemplating a cruise (less than 30 days) that will cost close to $100,000 for my wife and I. Is there one particular insurer that you recommend for this hefty amount?

 

Thanks!

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

On 8/24/2024 at 3:24 PM, Cruzinram said:

Is there a policy that will cover pet illness death etc available other than cancel for any reason should a trip need to be cancelled?

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

18 hours ago, gullcruiser said:

Hi, I just booked a cruise and have 24 hours to decide if I want to get I travel insurance through the cruise line or elsewhere. I have found out that my charge card company will cover my trip as long as I use that card to pay for the trip. Has anyone ever gone through their card company if they had a problem while on a trip?

Thanks for any help that you can give and happy cruising!

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

3 hours ago, Markanddonna said:

Will travel insurance cover our expenses if we choose to fly in on the same day of the cruise? We will have a very early morning direct flight to Boston, and the sailing is at 4PM. 

Hi Markanddonna,

Flying in the same day of the cruise does not void any coverages.

Steve Dasseos

12 hours ago, TT304 said:

Hi, we will take Celebrity cruise for 8 days Alaska vacation. The final arrive port will be Vancouver, Canada. After cruising we plan to stay in Canada for another week traveling (self-guild tour). Our total vacation time will be two weeks. We will buy Cruise insurance from traveinsurance.com. If we buy Cruise insurance for two weeks, will it cover both 8 cruising days and after cruising Canada vacation days (self-guide tour)?

Thank you very much!

 

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