Hi Steve, My husband and I are leaving on a nearly $29,000 tour in 9 days. I’ve heard good things about you and I want some brutally honest advice.
My sister-in-law is currently in the hospital with pnemonia on life support in the intensive care unit. I am trying to find cancellation and interruption insurance that would cover my husband and I, in case we needed to cancel our trip or had to return home early to be with her. Can we get a plan from you that will cover her pre-existing medical conditions?
Also, in case it makes a difference, three of your competitors have told me “Yes, you can get a trip cancellation and interruption plan”. Thank you, Renee
Thanks for writing. First, I’m sorry to hear about your sister-in-law. I hope she recovers quickly.
Next, while it’s true that you “can buy a policy”, I think it’s deceptive to say it this way because it implies that your claim will be paid.
> Can we get a plan from you that will cover her pre-existing medical conditions?
Ok, here’s my brutally honest advice: No, I do not have a plan that I know will, without question, cover her pre-existing medical conditions. Therefore, I cannot recommend that you get a trip cancellation and interruption plan.
The reason for this is that all insurance is based on covering unforeseen losses. In your case, your sister-in-law has a condition that is not unforeseen, so if you did have to cancel or interrupt your trip, it’s unlikely that your claim will get paid. I cannot say for certain that it will be denied, but the odds of your claim being paid are too low for me to ethically sell you a policy.
If you go here (https://tripinsurancestore.com/about-tripinsurancestore-com/), you’ll see that my advice is part of my business philosophy:
I say “You will get the truth from us. We will tell you if travel insurance won’t work for you and your situation. We won’t sell you a policy just to let your claim get ‘sorted out later’.”
Even though we cannot do business today, keep us in mind when you’re planning your next trip.