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Everything posted by iamtrustworthy

  1. Hi Thwockage, Who told you that IMG issues a "voucher"? I've never heard of them doing that. When you are past their 10 day Free Look period and if you aren't filing a claim on your original trip, IMG will allow you to alter the trip dates at any time prior to departure. Travel dates cannot be extended past a departure date that's more than 2 years from the original purchase date. IMG must be contacted prior to the original departure date. If you bought your policy from us, there's something else you can do regarding the date change, so you would need to contact us about it. Steve Dasseos
  2. Hi klfrodo, If the policy was purchased at least one day before he / she fell and broke 2 bones near their ankle, and the fall wasn't related to an excluded Pre-Existing Medical Condition in the Lookback period, I expect their Trip Cancellation claim is a covered claim. In most plans, but not all, the Trip Cancellation coverage starts 12:01 am of the day after purchase. Steve Dasseos
  3. Hi Joan, You might find this thread here on Cruise Critic helpful: https://boards.cruisecritic.com/topic/2960032-annual-policy-or-singletrip/#comment-66176986 I myself haven't found an Annual Trip Cancellation plan that is good enough for me to sell due to their plan limitations and with what's needed to cover the changes in travel since Covid started. Steve Dasseos
  4. Hi Kyle, You need to check your policy's wording. If you bought it from a Travel Insurance Agent, or someone else, like a Travel Agent, that earned a commision from your sale, in my opinion, they are morally obligated to help you with your claim. Steve Dasseos
  5. Hi Vagabond Knight, Thanks for contacting me. I'll let you know after I hear back from IMG. Steve Dasseos
  6. Hi SimplyAlbert, I don't know who you are by your Cruise Critic ID, so would you email me at steve@tripinsurancestore.com ? At any given time, each of us are helping more than a few people with their claims from all of our companies. You might be one of the people that I have been asking IMG to explain their denial based on the timeline of doctor's visits, diagnoses compared to the date of their Trip Cancellation, but I don't know for sure. Steve Dasseos
  7. Hi tj_shopper, Will you call us about this at 816-282-6858 so we can help you? I don't know whjo you are by you ID. I looked at all our customers who live in Frankfort, IL and I don't see that any of them have had any claims. Steve Dasseos
  8. Hi SimplyAlbert, We deal with this everyday from every company and it's frustrating. To Deanna, Kim & I, it feels like some of the claims people don't even look at what was submitted. Unfortunately, IMG and all other insurance companies first laid trained people off during the pandemic and later hired new, not as experienced, people since. Plus, there continues to be turnover so, in my opinion, more of the not as experienced people get hired. And, sometimes when documents come in, they don't get entered into the system in a timely manner. Let us know and we'll keep helping you with your claim. Steve Dasseos PS - I wrote this on July 14, 2022: https://tripinsurancestore.com/blog/why-are-travel-insurance-claims-taking-so-long-to-process/
  9. Hi Coral, I'm on the Azamara Onward until Nov 30th. Call me after Dec 4th and I'll tell you why I stopped doing business with them over 20 years ago. Steve Dasseos
  10. Hi Smitheroo, I addressed this topic in my May 4, 2009 blog post: Does Rebooking My Cruise Reset My Initial Deposit Date? https://tripinsurancestore.com/blog/does-rebooking-my-cruise-reset-my-initial-deposit-date/ I know four plans a Maine resident may buy anytime before and including the Final Payment Date that will cover pre-existing conditions. Steve Dasseos
  11. Hi d9704011, You are completely correct - it only refers to the day you buy the policy. Whatever happens in the future is completely unknown and has no bearing on one's ability to buy the coverage today. Steve Dasseos
  12. Hi Smitheroo, > The part about you having to be "medically able to travel" on the day you purchase travel insurance. What exactly does that mean? Here's what it means: https://tripinsurancestore.com/what-is-medically-stable/ Steve Dasseos
  13. Hi Smitheroo, > The TripInsuranceStore hasn't had the information revised yet (Steve told me that). I updated the Geo Blue info a few days ago. I mentioned in on another thread. Steve Dasseos
  14. Hi Smitheroo, I'm sorry, but I'm not seeing your question. > My question is, if I book say 6 cruises through 2025 I need to purchase travel insurance for each one within 16-20 days of booking each one ( In order to waive the pre-existing condition clause) and for most insurance plans it is nonrefundable after 10 days. I have one, though: Are these back to back cruises without returning home? Steve Dasseos
  15. Hi Smitheroo, I wrote about this in my Blog on October 7, 2023: What Are the Right Travel Dates to Insure? https://tripinsurancestore.com/blog/what-are-the-right-travel-dates-to-insure/ Steve Dasseos
  16. Hi Smitheroo, Thanks for bringing this up. Geo Blue changed this and I hadn't updated all the pages of my TripInsuranceStore.com website with the correct wording. Here's what Geo Blue's wording says: "Cancellation of this Policy: Any date prior to Your Effective Date of Coverage, You may request a full refund of premium from Geo Blue." Steve Dasseos
  17. Hi Smitheroo, > I have searched dozens of websites and found no mention of a question like this. Anyone I've asked in person doesnt really have an answer. Or I might get an answer like "I think you are overthinking it" Am I? I think the solution is that you have to not worry about money you wasted on nonrefundable insurance if Insurance was something you couldn't do without if your cruise didn't happen. I will give you the direct and correct answer. What is your specific question? Steve Dasseos
  18. Hi GC, Yes, there are plans that have low medical limits. Some don't cover pre-existing conditions. Steve
  19. Hi Smitheroo, The Geo Blue Trekker (their mutli-trip plan) covers a maximum of $100,000 medical for anyone age 70 and older. Steve Dasseos
  20. Hi Smitheroo, Does using a "CruiseFIRST Certificate" give you a confirmed booking? Steve Dasseos
  21. You might find this Blog post I wrote on August 20, 2023 helpful https://tripinsurancestore.com/blog/is-it-worth-paying-more-to-have-500000-medical-coverage/ Steve Dasseos
  22. Hi Smitheroo, There are aren't any trip cancellation/interruption insurance plans without medical. Steve Dasseos
  23. Hi NiceAunt, I'm sorry to hear about your daughter's father-in-law. May I get this information from you? - What are their travel dates from and back to home? - When did / will they pay the deposit on the trip? - When is the Final Payment due prior to leaving home? - What State do they live in? Steve Dasseos
  24. Hi GeezerCouple, Sorry about the delay responding. We have customers in Israel & many with now-cancelled trips so I've been extra busy. > Does the so-called "simple" declaration immediately void any travel insurance claim coverage? I can't speak for all companies, but mine consider this Terrorism. Hamas committed Terrorism. It wasn’t until hours later that Israel declared War. Here's more info: https://tripinsurancestore.com/travel-insurance-terrorist-incident-coverages/ In addition, as of Oct 9, 2023 some of my companies won’t cover trips to Israel for new purchases. Steve Dasseos
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