Travel Insurance and Terrorism

by Steve Dasseos, The Trip Insurance Guru on November 19, 2015

How Does Trip Cancellation Travel Insurance Cover Terrorist Incidents?

Like much of the world, I am angry at the recent terrorist attacks in Beirut, the downing of the Russian airplane over Sinai and the Paris attacks.

And, as you can imagine, we are getting calls from our clients who want to know how their Trip Cancellation Travel Insurance plan will cover them. And, also from people we’ve never worked with who want to know how a Trip Cancellation Travel Insurance plan will cover them for a future trip.

Like everything insurance, it comes down to the event being either unforeseen or already known.

Trip Cancellation Travel Insurance only covers losses resulting from sudden and unforeseen perils. Trip Cancellation Travel Insurance does not cover events that, on the date you buy the insurance, are known to You.

Here’s typical policy wording: “A Terrorist Act which occurs in your Scheduled Trip Departure City or in a city to which you are scheduled to travel while on your Trip, and which occurs within 30 days of your Scheduled Departure Date, provided the city has not experienced a Terrorist Act in the past 30 days prior to the effective date of your coverage. The Terrorist Incident must occur after the Effective Date of Your Trip Cancellation Coverage.”

Some policies don’t include this wording: “provided the city has not experienced a Terrorist Act in the past 30 days prior to the effective date of your coverage”.

For example, if you are going to Beirut or Paris soon and you did not already buy a Trip Cancellation Travel Insurance policy before Nov 12th, there will be no coverage for trip cancellation, trip interruption or medical treatment due to a Terrorist Act at your destination.

On the other hand, if you are going to Beirut or Paris soon and you bought a Trip Cancellation Travel Insurance policy that includes Terrorist Incident coverage before Nov 12th, you are covered according to the terms of your policy.

Go to this page if you want to see more about Terrorist Incident coverage: https://tripinsurancestore.com/travel-insurance-terrorist-incident-coverages/ from the few companies I have pre-screened and I trust.

What If I Don’t Feel Safe Going Somewhere?

Not feeling safe at your destination is one good reason to have a policy with Cancel For Any Reason coverage. Cancel For Any Reason adds about 50% to the price, it has to be purchased by the same deadline as the Pre-existing Conditions coverage (14 – 30 days after your initial trip deposit date) and you have to insure 100% of your Prepaid, Non-refundable Trip Costs.

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Don’t Round Your Insured Trip Cost Down

by Steve Dasseos, The Trip Insurance Guru on November 12, 2015

I took a call a few weeks ago on one of the Saturday mornings I was working (yes, I work on weekends, too) from someone who wanted to be sure they had Pre-existing Conditions coverage. I asked, “What is your per person prepaid, non-refundable trip cost?”

She said “It’s $4,000 each”. I asked “Really, it’s exactly $4,000 each?” and she said, “Well, it’s really $4,009 but I don’t want to insure the extra $9 each.”

You might be wondering why I did not let her statement “It’s $4,000 each” go unchallenged. It’s because she wanted Pre-existing Conditions coverage. In fact, even if she never said anything about it, I still would have challenged her response since it’s unlikely that she would have known that many plans require you insure at least your trip’s full prepaid, non-refundable cost. In other words, you can’t round it down.

I am fully aware of the fact that she could have gone to any of my adversaries competitors for travel insurance advice. Since she came to TripInsuranceStore.com, I assume that she wants the truth about how trip cancellation travel insurance works. Besides getting the truth from us, she also gets to experience first-hand what it’s like to receive personalized service and an intelligent conversation about how travel insurance works.

I do not mean to imply that any of the other copy-cat websites give sub-standard advice, nor fail to ascertain exactly what a traveler needs. I’m sure they know what works for them.

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I hope this makes sense. If you want the right travel insurance advice, call us at 1-888-407-3854 and we'll help you figure it all out.

Now, a word from our sponsor: TripInsuranceStore.com (Travel Forums' Most Recommended Travel Insurance Website)

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I’m Glad I Don’t Have an Idiot Son

by Steve Dasseos, The Trip Insurance Guru on October 8, 2015

My husband and I are 62. We have not purchased tickets yet. We wanted more information on travel insurance. The tickets will probably run around $400 each. We live in Kentucky. The travel dates will be November 4 – 6. Our destination is Seattle, WA. Our idiot son is planning to be married on November 5 and is in the military. The last thing he said once I got the date straight was, “oh yeah make sure you purchase travel insurance since I am in the Army and they could cancel my trip”. So we need to be able to cancel in case he does. How much would our total cost run based on the information you have and how much would we be able to recover. Thank you for any information you could give me.

Thanks to some feedback from Deanna (more proof that it’s worth only hiring smart people), I am adding to this Blog post. And, I let the people know too.

Here’s what I wrote back:

“Hello Friend,

Thanks for visiting TripInsuranceStore.com and writing.

Travel insurance won’t cover you if the Army cancels your son’s trip.

However, if his previously granted military leave is cancelled because he is being called into active military service to provide aid or relief in the event of a natural disaster, this is a covered reason to cancel your trip with many of my plans.

His leave must be approved prior to your coverage becoming effective. If his leave is cancelled for that covered reason, official written revocation notice from his commanding officer will be required documentation as part of your claim.

Steve Dasseos
www.TripInsuranceStore.com

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I hope this makes sense. If you want the right travel insurance advice, call us at 1-888-407-3854 and we'll help you figure it all out.

Now, a word from our sponsor: TripInsuranceStore.com (Travel Forums' Most Recommended Travel Insurance Website)

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This Foot Problem’s Treatment is Covered

by Steve Dasseos, The Trip Insurance Guru on August 6, 2015

Hi Steve:

Ken and I have been enjoying our Turkey and Greece cruise and unfortunately there’s only a few more days before we have to head home to reality. We’ve seen some interesting places and met very nice people.

I’m not sure I’m going to see the ship’s doctor, but wanted to know if I have to see the doctor on the ship if it’s covered by our insurance policy. Sometime since we left on our trip my left toe and part of my foot started to swell and it hurts. I didn’t fall, I’m not aware that I hit it and I don’t think I got bit, but in case it continues to get worse I was wondering about the insurance. Going to try ice tonight.

I mentioned you and your website to a couple of people on board and told them how terrific you are to work with. Hope they contact you in the future.

Hi to your family and hoping everyone is well.

Smiles,

B____

“Hi B____,

Thanks for writing. We’re all fine. We’ll stop by and see you again when we’re in your part of Wisconsin. I’m sorry about your foot.

  • You will be covered if you see the doctor on the the ship, or even in a port. If you see someone, make sure you tell them it started while you were on your trip. It’s not your responsibility to know how it happened, but it will greatly simplify a claim if it’s some condition that first occurred on your trip, assuming this is true.
  • In addition, even if it’s a continuation of something that happened in the days or weeks prior to your trip, treatment of your foot is covered.

The reason why treatment of your foot is covered, whether the problem started on or before your trip, is because when you bought your policy months ago, any medical condition that first manifested itself or exhibited symptoms which would have caused one to seek diagnosis, care or treatment as early as 12:01 am on the day after you bought your policy is covered. It’s not a pre-existing medical condition because it would have started when your policy was in effect.”

As you can see from my email back to B____, treatment of her foot is covered, whether the problem started on or before her trip. I already knew she didn’t have a foot problem when she bought her policy. B____’s policy did include the Waiver of the Pre-existing Conditions Exclusion, but the fact that her foot condition started after the Effective Date means that it’s covered even if she din’t have the Waiver of the Pre-existing Conditions Exclusion.

{ Comments on this entry are closed }

I hope this makes sense. If you want the right travel insurance advice, call us at 1-888-407-3854 and we'll help you figure it all out.

Now, a word from our sponsor: TripInsuranceStore.com (Travel Forums' Most Recommended Travel Insurance Website)

PS - If you liked what you read, please Subscribe to my Blog.

Insurance Does Not Bail Out Your Mistakes

by Steve Dasseos, The Trip Insurance Guru on May 13, 2015

Here’s a typical request we get more times than we prefer:

“How much would it cost to insure our airplane tickets with the Cancel For Any Reason coverage? We paid $1,137 each and our ages are 42 and 45 (or you can insert any price and age because the answer is the same). We are concerned that we might have to change our travel dates. We want a travel insurance plan that will pay the airline’s change fee if we decide to adjust our travel dates and leave a few days later”.

Questions like this have bothered me for years. They might as well ask, “How can I get someone else to pay the fees I agreed to pay when I bought my plane tickets because I don’t want to pay them?” or “I know that my airline ticket contract says there are change fees, but I don’t think it’s fair I have to pay them.”

The reason questions like this bother me is because there are people who seem to think that insurance companies solely exist to bail them out of every possible fee they might have to pay for not fulfilling their end of their airline ticket contract.

This is true for all insurance products: Life, Health, Dental, Automobile, Homeowners, Renters, Disability, etc. There is no shortage of people who want someone else to pay for their inconveniences. Here’s a typical example: I know someone who filed three collision claims for minor damage on their car in a four month period. One was because they were driving distracted and hit a curb for $550 damage to the front wheels. Another was for a car door ding they received in a parking lot from someone else’s door ($382 damage) and the third was for backing up and damaging the rear bumper ($770 damage). I, myself, wouldn’t have ever filed those claims. Nor would most people.

What do you think happened when they received their Automobile insurance renewal? Do you think they said to themselves, “Yes, I see why my premiums jumped 32%. I deserve it.” If that’s what you thought, you are mistaken. Instead, they said “Why are we getting such a big increase? These were accidents through no fault of our own. Let’s call Steve Dasseos – he must know a way out of this. ” When they called me, they were stunned to hear that I thought the insurance company did the right thing. I told them that when the administrative costs are added in to their claim, it’s likely those three claims cost more than $5,000. The $1,702 they received wasn’t the companies’ only cost. Even with the 32% increase the insurance company will need years to re-coup your losses.

Back to the original request: “We want a travel insurance plan that will pay the airline’s change fee if we decide to adjust our travel dates and leave a few days later. The change fee is in the hundreds of dollars. I don’t want to pay that much money.”

We tell these people “Trip Cancellation insurance doesn’t cover pre-departure date changes. That’s why airlines let you pay a change fee so you can change your travel dates.”

In other words, if you voluntarily change your travel dates after you bought your airfare because you discover you have a scheduling conflict with your original travel dates your airline already has a procedure in place to handle this. You pay them a change fee and they will allow you to change your dates.

Since they tend not to like this answer, they want to know if the Cancel For Any Reason trip cancellation insurance policy will work for them.

We tell them that it won’t because trip cancellation insurance requires you to cancel your trip, not change the dates. If you completely cancel and meet all the requirements of your policy, then, yes, you will be covered.

{ Comments on this entry are closed }

I hope this makes sense. If you want the right travel insurance advice, call us at 1-888-407-3854 and we'll help you figure it all out.

Now, a word from our sponsor: TripInsuranceStore.com (Travel Forums' Most Recommended Travel Insurance Website)

PS - If you liked what you read, please Subscribe to my Blog.

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