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Everything posted by iamtrustworthy
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Hi Jane, Thanks for tagging me on this thread. The link to the page you referenced is: https://tripinsurancestore.com/initial-trip-deposit-date/ What caused the cruise or travel credits to be issued is important. If someone received cruise or travel credits instead of a cash refund, my plans will insure their value. If they are bonus or courtesy credits, they aren't insurable. Steve Dasseos
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Advance Payment to Medical Facility
iamtrustworthy replied to runner2013's topic in Cruise/Travel Insurance
Hi runner2013, All our plans can advance payment to a medical facility to secure a person's admission if needed. I've only seen this happen a handful of times. Steve Dasseos -
Hi JoAnneNYI, You may insure a refundable deposit. Your goal is to buy the plan within the "Time Sensitive" deadline in order to get the Waiver of the Pre-existing Medical Condition Exclusion. Steve Dasseos
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Hi Deliver42, I don't know the details of every plan out there, but the ones I know all include Trip Interruption coverage. You might find this helpful. I didn't plagiarize it - I'm the author: Q. How does Trip Interruption work? A. Trip Interruption is similar to Trip Cancellation, but it happens on your trip. Technically, Trip Cancellation refers to a pre-departure cancellation of your trip while Trip Interruption happens after you leave home on your trip. Trip Interruption coverage reimburses you the unused prepaid non-refundable value of your trip if you are forced to catchup because you missed a portion of your trip for a covered reason. Or it could reimburse you the unused prepaid non-refundable value of your trip plus pay the cost of one-way airfare home if you are forced to return home for a covered reason. For example, you get hit by a cement truck while you’re walking across the street in London – did you remember that they said “Look to the right first”? If not, it’s likely you will be interrupting your trip and returning home earlier than planned. There’s another scenario that could cause a trip interruption where you don’t return home: You’re on a trip and something happens to you medically. You end up being hospitalized or restricted from traveling by physician you are seeing at the time. Two days later you recover. The cost of re-joining your cruise or tour is a trip interruption. Important: In the case of Bad Weather & other Natural Disasters, there usually has to be a 12 – 24 hour shutdown (depending on the plan) of Common Carrier services (ie – the airport has to be shut down for 12 – 24 consecutive hours) to have a covered Trip Interruption. Steve Dasseos
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WTH? Question about Insurance
iamtrustworthy replied to dinkydee718's topic in Cruise/Travel Insurance
Hi jbrinkm, Travel insurance is priced by your age on the day you buy the policy and not your future age. I ask everyone that calls or emails us "How old are you today?" and they usually reply with "I'll be ____ when we take the trip." Steve Dasseos -
Credit Card Luggage coverage
iamtrustworthy replied to rcrabb1513's topic in Cruise/Travel Insurance
Hi klfrodo, Thanks CDN Polar for your explanation. Baggage Delay coverage is to give you money to buy things you need while waiting for the baggage to be delivered. > What about any souvenirs I may have brought back with me that can't be replaced? Some of these items may even be high end. It's best to put these in your carry-on. Steve Dasseos -
Credit Card Luggage coverage
iamtrustworthy replied to rcrabb1513's topic in Cruise/Travel Insurance
Hi jclinard, The reason Baggage Delay doesn't cover the return flight home is because the traveler's other possessions, including clothes, are at home and there's no need to buy these items while waiting for the baggage to be delivered. Steve Dasseos -
Hi crystalspin, One drawback to relying on the credit card's trip insurance is they don't cover pre-existing medical conditions of your self, traveling companions or a non-traveling family members. As for insuring the trip cost, with some trip cancellation plans, you are not penalized for pre-existing medical conditions if you don't insure the full trip cost. This means you can insure the 10% or 20% the HAL plans doesn't refund you if you cancel your trip for a covered reason. I hope this makes sense. Steve Dasseos
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Successful travel insurance claims?
iamtrustworthy replied to gddo's topic in Cruise/Travel Insurance
Hi SimplyAlbert, Thanks for contacting me about your claim. I was happy to help you. Steve Dasseos -
Hi SimplyAlbert, Thanks for contacting me about your claim. I was happy to help you. Steve Dasseos
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Hi hrslvr142, Are you covered by Medicare with a supplement you bought on your own, have Tricare or are on a former employers' retiree health plan? Or do you have Advantage plans? Steve Dasseos
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Hi Native Floridian 26, I haven't seen any travel insurance price increases for almost 18 months. One of our companies lowered its prices four months ago by up to 45%. Steve Dasseos
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How soon is too soon to book travel insurance
iamtrustworthy replied to HopefulCruiser123's topic in Cruise/Travel Insurance
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 -
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
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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
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When does travel insurance coverage end? (generally)
iamtrustworthy replied to KyleClark's topic in Cruise/Travel Insurance
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 -
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