What is the Difference Between Trip Cancellation and Trip Cancellation for Any Reason?

by Steve Dasseos, The Trip Insurance Guru on August 16, 2014

The Trip cancellation coverage means some covered reason causes you to cancel your trip. The “Cancel For Any Reason / Change Your Mind” is an optional upgrade that allows you to cancel your trip for any reason including ones that are not normally covered reasons. If you have a “Cancel For Any Reason” claim, it will simplify your claim if you enter the reason for cancellation as “I changed my mind”.

The normally covered reasons to cancel a trip include you, a close family member or a traveling companion gets unexpectedly hurt or sick before you leave (if it’s one of the travelers make sure they see their doctor in person because their doctor must say they can’t travel). If you insured your prepaid non-refundable trip costs, Travel Insurance reimburses you the money you lose. This can include pre-existing medical conditions.

Other events that could cause you to cancel your trip are: Your travel supplier unexpectedly ceases operation, you are laid off, you are required to work, terrorism at your destination, bad weather, hurricanes, natural disasters or unexpected jury duty.

The timing of when something happens determines if it’s a trip cancellation or trip interruption. If the covered reason happens as early as the day after you buy your trip cancellation insurance policy from us (that was a shameless plug), and before you leave, it’s a trip cancellation. If it happens after you leave, it’s a trip interruption.

Here’s my detailed page with a lot more information on the “Cancel For Any Reason / Change Your Mind” plans: http://tripinsurancestore.com/cancel-for-any-reason-travel-insurance-plans.


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.

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When Does Your Trip Cancellation Coverage Start?

by Steve Dasseos, The Trip Insurance Guru on July 23, 2014

Here’s a common question:

“If I buy trip cancellation travel insurance policy today, does my coverage go into effect immediately?”

First, the answer to the question is “No, your trip cancellation coverage starts tomorrow. Nothing that occurs that causes you to cancel your trip on the date the policy is purchased is covered.”.

Next, on the surface, that question sounds innocent. But, something important is “hidden in plain sight”. What isn’t being revealed is that perhaps there is something happening right at that moment that could cause a trip cancellation.

And, as part of the call after we take an order, we double check all their travel details and then always say, “your trip cancellation coverage starts tomorrow”. Now and then telling them this results in the person not buying the policy which is fine with me.

We have never had a legitimate claim turned down from any of our companies since we started in 2001. However, we have had a few people over the years who did not have legitimate claims. In case you don’t know, we go to great lengths to uncover exactly why someone wants to get travel insurance. It’s important to us that the policy will work as expected and if it won’t to our satisfaction we will refuse to sell it. For more on this read “We Don’t Sell Travel Insurance To Everyone“.

Here are three of those non-legitimate claims:

  • A lady called us about trip insurance for a trip three months in the future that she paid in full that same day. We discussed the plan coverages with her explaining exactly what she needed to know. Later that same afternoon she called back and bought a policy. The next day she called because they need to cancel their trip. It was then that she told us she bought the policy while waiting in the Emergency Room because her husband had a heart episode. She wanted assurances that even though the policy hadn’t gone into effect that she would still be fully covered.
  • On a Wednesday a lady called to make sure she could get the waiver of the pre-existing medical condition exclusion because her husband had some currently stable medical condition. She met all the requirements and bought a policy. Five days later she cancelled her trip because, apparently, at the same time she bought the insurance her husband was having some symptoms of a brain condition. Shortly after calling us he was rushed to the Emergency Room where he received brain surgery.
  • In mid-January a man called to get trip cancellation insurance for a cruise he was about to pay the Final Payment on. He said that while his wife had been treated for a medical condition months earlier, it was completely stable. It was so stable that the last contact with any medical professional was the previous September. He also stated that, yes, they both are medically able to travel that day. A few days before the trip they filed a trip cancellation claim. What he neglected to mention was that the previous September his wife’s doctor told he she was no longer able to travel.

In case these three examples and what I wrote above are not very clear, here’s what I’m saying:

The Trip Cancellation coverage begins at 12:01 a.m. on the day after the date the policy is purchased. All other coverages begin when you leave home for your trip when your departure date is in the future. Nothing that occurs that causes you to cancel your trip on the date the policy is purchased is covered.

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.


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We Don’t Sell Travel Insurance To Everyone

by Steve Dasseos, The Trip Insurance Guru on June 30, 2014

I can’t believe it’s been three months since I’ve wriiten here. I am very thankful for the way things are going at TripInsuranceStore.com. I have one large project that is getting close to the end.

Plus, there are always things to write about, but I suffer from information overload along with the rest of you. I try to look for recurring subjects that I think will be of interest. Sometimes they are obvious, while other times there is just too much that clutters up my mind.

For example, I have a draft called “I love Lawyers”, another about China, Russia and the Petrodollar plus a few other ones that could be interesting. This time I’ll be writing about why we sometimes refuse to sell travel insurance to people who call us. There are a few main reasons why this is:

  • When what they want to cover is something that cannot be covered. Sometimes what they want covered isn’t insurable like going to Cancun and it rains the whole time. Other times people are past the deadlines and travel insurance would be a waste of money. Can they still buy a plan? Yes. Will we sell it to them? No. Can they find someone online to sell them a plan? Yes. if they have a claim, will it get paid? No. Will they be mad at us and bad-mouth us to everyone they know? Nope! Read this for more info: Don’t Buy Travel Insurance When You’re Ill and Past the Deadlines
  • When someone is being deceptive with us. Everybody makes mistakes when recalling details or giving information. I’m not talking about someone forgetting that their thyroid medication was adjusted 172 days ago. Or that their uncle had some procedure 2 months ago. I’m talking about the people that just lie to us. It happens more often than I originally expected. Here’s the most blatant example I’ve had (some since have come close): Do Callers Think We Were Born Yesterday?. In a nutshell, he wanted coverage for Hurricane Irene and claimed he didn’t know it was just off the coast of Florida at the time. I have a copy of the National Hurricane Center’s satellite image on that blog.
  • If they are someone who isn’t eligible to buy a policy. These people are the opposite of the ones who lie to us. They are completely truthful. And, if they were eligible to buy a policy we would be happy to do business with them. I spoke with a nice lady last week from England who told me that her family was taking a cruise on July 28th. She completely understood that it wouldn’t cover her because she lived outside the USA.

If you aren’t one of the above, call us. We’ll help you.

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.


 

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Why Must You See a Non-Family Member Doctor?

by Steve Dasseos, The Trip Insurance Guru on March 14, 2014

Steve, I think you have the greatest website and service. I am ready to discuss and purchase a policy from you. I just have one more question: Are there any restrictions on who we can use if something unexpected happens medically prior to leaving on a trip and we need to see a doctor? The vast majority of our doctors are close relatives and we trust their advice. Nancy K.

Nancy asks a very good question. This is one of those “devil in the details” areas that I know causes problems. Over the last 13 years, I’ve spoken with people who didn’t get their insurance from us, but later when have claim problems they call me asking for my help. {To my competitors who read my blog (you know who you are): No matter what you do to make a sale, you are morally obligated to help them with their claims. It’s sleazy to say on your websites: “the links take you to your travel insurance provider’s claim information.”}

Here’s what I told Nancy:
“Hi Nancy, Thank you for your kind words. I hope you still like me after my answer. :)

Yes, there are restrictions on what doctor or medical professional you see in person. Here’s what a typical policy says: “Legally Qualified Physician” means a physician or a Christian Science Practitioner (a) other than You, a Traveling Companion or a Family Member: (b) practicing within the scope of Your license: and (c) recognized as a physician in the place where the services are rendered.

As much as I enjoy selling trip cancellation travel insurance, I cannot advise you to buy it for this trip because your claim will be denied should you see a doctor who is a close relative. While it’s possible this fact won’t be discovered by the insurance company, I don’t even want there to be a hint of potential insurance fraud.”

Nancy wrote me:
“Thanks Steve. The doctor provision is extremely problematic. I realize we have a very unusual situation in that the vast majority of our doctors are close relatives (siblings or offspring). The only way to get around it is to buy the Cancel For Any Reason plan, which given the economics, turns out to be the same exact cost ($377 plus 25% of prepaid costs) that it would cost us just to pay the change fee with the airlines and forfeit one night at the hotel. Moreover, we can cancel hotel up to 24 hours before reservation without losing anything. We are just going to have to stay healthy and go on this trip.

I really appreciate your time and effort and will highly recommend you to others. Nancy”

Why are there so many denied travel insurance claims? I (Steve) firmly believe that the majority of denied claims are because the insured travelers either received the wrong advice prior to purchase or that they were sold the wrong policy by an uninformed travel insurance seller. You get our help with claims. We have never had a legitimate claim turned down from any of our companies since we started in 2001. We even help you if you didn’t buy from us.

I don’t have a hollow guarantee like a “No Complaint Policy”. The truth is that not all travel insurance claims are paid to a customer’s satisfaction. Sometimes the travel insurance company makes a mistake (I have gotten these resolved), but other times it’s not a payable claim.

A big part of that is that we go to great lengths to educate you. If travel insurance isn’t a good idea for you to buy it, we will tell you not to buy it, If you insist, we will refuse to sell it to you (like I told Nancy).

Before you start to whine about having to do all that work, ask yourself “When was the last time my travel agent or a company who sold me travel insurance gave me any service after they had my money?”

PS – If you liked what you read, please subscribe to my Blog. You can also add us to your Google Plus.

Too busy planning your trip to research travel insurance?
As you are planning your trip you will realize how much you still have to learn about trip insurance. You are learning useful travel insurance information at TripInsuranceStore.com and are wondering when it will all click. We can help you. Call us at 1-888-407-3854 and we’ll help you, too.


 

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When is the Deadline to Buy Trip Insurance?

by Steve Dasseos, The Trip Insurance Guru on February 6, 2014

Sorry about the delay writing here. Thankfully, I didn’t get sick for 4 months like last year. Look at this music video my son and his friends made a few weeks ago: http://www.youtube.com/watch?v=eUeM9gzU3TY. I hope you find it inspiring.

Back to the exciting world of trip cancellation travel insurance.

Hi Steve, Our trip to Israel is scheduled for March 25th and was paid in full a month ago. When is the deadline to purchase the insurance? Thanks, Steve G.

Hi Steve, Thanks for writing.

You can get this anytime until the day before you leave assuming nothing bad happened that will cause you to say “I should have gotten the Trip Insurance policy!”

I know Steve understood what I meant by such a simple answer because he had already called us at 1-888-407-3854 to find out exactly how trip insurance works.

However, for the rest of you who haven’t called, here’s what I didn’t include in my written answer:

  • You do not have any pre-existing medical conditions coverage because your trip was paid in full a month ago. I have plans that will waive the exclusion for pre-existing medical conditions up to 30 days past your initial trip deposit date
  • Paying your trip in full doesn’t prevent you from buying trip cancellation insurance (or cruise insurance or travel insurance or trip insurance). This is a common myth spread by many in the travel industry. I don’t know why they do that.
  • You don’t have to insure the full prepaid non-refundable trip costs. Because Steve isn’t getting the waiver of the pre-existing medical condition exclusion nor the Cancel For Any Reason he can insure any trip cost he wants.

PS – If you liked what you read, please subscribe to my Blog. You can also add us to your Google Plus.

Too busy planning your trip to research travel insurance?
As you are planning your trip you will realize how much you still have to learn about trip insurance. You are learning useful travel insurance information at TripInsuranceStore.com and are wondering when it will all click. We can help you. Call us at 1-888-407-3854 and we’ll help you, too.


Now, a word from our sponsor: TripInsuranceStore.com (the Most Exclusive, Informative & Friendliest Travel Insurance Comparison Site)

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Don’t Buy Travel Insurance When You’re Ill and Past the Deadlines

December 16, 2013

Subscribe I am very confused by the trip payment pre existing condition clause. What is included in this trip payment? I bought my airline tickets in May and final payment was in October but need pre existing conditions to be included. I’m leaving in four days Dec. 20, 2013 – Jan 9, 2014. I understand […]

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Caleb Should Not Buy Travel Insurance

November 15, 2013

Subscribe I’ve read a lot of info on your website and find it very useful. I think I have confused myself, though. I question whether or not we need trip insurance. My wife and I are looking to book a trip to Cancun for September 5-10. My chief concern is the possibility of a hurricane. […]

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Gina Didn’t Need Trip Insurance Until Now

October 15, 2013

Subscribe We are 63 and 58 and are taking a Caribbean cruise Oct. 21st. We booked it 8 months ago and it’s paid in full. Until today I didn’t need travel insurance. We never buy it because it’s a waste of money. I had an allergic reaction to an antibiotic on Friday and went into […]

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The Nonpartisan Kaiser Family Foundation’s Cool Calculator

September 25, 2013

Subscribe The Nonpartisan Kaiser Family Foundation’s has a cool calculator that illustrates health insurance premiums and subsidies for people purchasing insurance on their own in new health insurance exchanges (or “Marketplaces”) created by the Affordable Care Act (ACA). You can enter different income levels, ages, and family sizes to get an estimate of your eligibility […]

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I Want Travel Insurance That Does Not Exist

September 19, 2013

Subscribe I need travel insurance that will pay all costs if I change the return date on my trip from North Carolina to California to visit my elderly mother. Her medical condition may warrant a longer stay. I want the ability to reschedule my return flight later without having to pay any money out of […]

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Does Travel Insurance Help Me If My Fare Drops?

August 16, 2013

Subscribe I’ve been a way for a few weeks. I went with my extended family (14 of us in total) to London and we got to stay in Hampton Court Palace. It was great! Hi Steve, Thanks for your help (and helpful insurance) in the past. This is a question I can’t seem to find […]

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Do Pre-existing Conditions Include Non-Traveling Family Members?

July 18, 2013

Subscribe Thanks Steve. I appreciate your prior replies for my nit-picking questions. I’m getting quite an eye-opening education. I regret taking advice from others prior to finding TripInsuranceStore.com. I have one more question: Do the pre-existing conditions rules include my non-traveling family members? I was under the impression that pre-existing medical conditions only applied to […]

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How Does Cancel For Any Reason Differ From Other Trip Insurance?

May 31, 2013

Subscribe I love your website! What is the difference between “trip cancellation” and “trip cancellation for any reason”? Greg Hi Greg, Thank you for your kind words. Trip cancellation means some covered reason causes you to cancel your trip. The “Cancel For Any Reason / Change Your Mind” is an optional upgrade that allows you […]

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Why Should You Have Pre Existing Medical Conditions Coverage?

May 9, 2013

Subscribe Hi Steve, I guess we’re still not clear on pre-existing conditions and just how that relates to a trip and why we need it. Please explain and sorry if you already have, we just need clarification. We have pretty darn good insurance that always reimburses us for anything that happens overseas. Linda Hi Linda, […]

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Follow The Rules or We Won’t Help You Get Travel Insurance

April 24, 2013

Subscribe Last Friday I had to send the following email: Janet, After I heard your phone call with Tara, we cannot help you get travel insurance. What would prompt me telling someone who wanted to buy a $1,054 cruise travel insurance policy this: “After I heard your phone call with Tara, we cannot help you […]

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Don’t Wait 4 Months to go to The Doctor

April 4, 2013

Subscribe I haven’t written on my Blog for 4 months because (although I didn’t know it at the time) I have been battling bronchitis. I thought I just had a cold that came and went. I chalked up being tired all the time, being in a daze and having the overall run-down feeling to working […]

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Should You Buy Trip Cancellation Insurance For Just Airfare?

December 5, 2012

Subscribe If you have read TripInsuranceStore.com including this blog, you will see that I have no problem telling you when you should or should not get trip cancellation travel insurance. What kind of a trip are you taking? If you are flying somewhere with an expensive airline ticket, whether or not you have more prepaid […]

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