Can I Pick Which Trip Costs to Insure?

by Steve Dasseos, The Trip Insurance Guru on June 8, 2011

I have a question about our policy that we purchased from you for our October trip to Germany.

TripInsuranceStore.com is the only place telling me I have to insure our full prepaid & non-refundable trip costs in order to get the pre-existing condition and the cancel for any reason coverage. Other places I’ve called say I can insure any part of those trip costs and still be fully covered for pre-existing conditions and cancel for any reason.

I’ve been told I don’t need to include everything since a travel insurance company won’t know about other travel arrangements if I don’t tell them. That seems fraudulent, but I don’t want to pay too much either.

It seems to me that if I buy non-refundable plane tickets, but don’t include their cost on the policy, that the insurance company might wonder how I got to Germany should I file a claim. And, in turn, they may deny my claim.

Therefore, is all the other advice correct that we are NOT REQUIRED to cover our entire prepaid cost, but that we can insure any portion of our travel arrangements and still get the pre-existing condition and the cancel for any reason coverage?

In other words, can’t I insure all my prepaid costs with the cruise company, but either none or just a portion of the stuff I book on my own that’s not connected to the cruise company? How are my independent costs even known to the insurance company?

I don’t mean that I would be hiding those costs from the insurance company. I just meant that how are they related to my trip insurance policy? They would be something entirely separate that I would not be insuring.

As always, thanks SO much for your advice and expertise!! Emma

Hi Emma,

Don’t worry, I didn’t think you meant you’d be trying to hide anything.

Of course I didn’t hear those other conversations, but it doesn’t surprise me to hear that others have told you can can insure any portion of your prepaid and non-refundable trip costs and be fully covered for pre-existing condition and the cancel for any reason coverage

I doubt that they consciously know they are giving you the wrong advice and, in some cases, advising insurance fraud, but that’s what it boils down to.

The truth is this: If you want to have coverage for pre-existing conditions and cancel for any reason coverage you have to insure, at a minimum, at least your full prepaid & non-refundable trip costs even if the arrangements were made independently from your main trip.

Should you have a pre-existing conditions and cancel for any reason claim, the insurance company will want to see all your travel arrangements to be sure your dates & trip cost match your policy. If you didn’t insure everything, then they will deny the entire claim.

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