TripInsuranceStore is in the Washington Post

by Steve Dasseos on September 10, 2021

TripInsuranceStore is in the Washington Post. I am thankful to Christopher Elliott for including me in his September 8, 2021 article “What’s the best travel insurance for your fall trip? It depends.”

Here are some excerpts from his article:

Finding the best travel insurance has never been easy, but if you’re planning a trip for this year, it’s never been this confusing.

Just ask Gail Arnoff, who contacted me recently about insurance for a trip to Israel.

“I don’t know how to get insurance which will cover me if I get covid,” she says. “Of course, my insurance will cover me for other conditions, but not specifically for covid. How do I find the needed insurance for me and my husband?”

Arnoff, an English professor from Shaker Heights, Ohio, says it appeared as if the travel insurance companies didn’t have time to articulate their coronavirus policies. As a result, she didn’t know what to buy.

Travel insurance companies have been adjusting their policies in the past few months to meet the demands of both cautious travelers and underwriters who are wary of losing their shirts on pandemic claims. Experts say there are a few essential coverages you need for your upcoming trips — and some that you can skip. Their advice can inform any decision you make about the best travel insurance for your fall and winter travels.

There’s a growing awareness of travel insurance. Sales of travel protection have roughly doubled since the pandemic started, following two decades of steady growth. Current and emerging coronavirus variants are putting it front and center this fall, too.

Confused? There’s an easy solution: a “cancel for any reason” travel insurance policy, which allows you to cancel your vacation and receive a partial refund of your nonrefundable prepaid expenses. You can also buy an extra medical option to handle any potential coronavirus issue.

But there’s a downside: Cancel-for-any-reason insurance is expensive. A traditional travel insurance policy, which covers named perils, such as evacuations and lost luggage, is between 7 and 9 percent of the cost of your trip. This type of policy will set you back between 10 and 12 percent, and sometimes more.

Also, since the pandemic, many insurance companies have quietly reduced the payout on a cancel-for-any-reason policy, from 75 percent to 50 percent. You can still find 75 percent payout policies, but you have to look for them. And fortunately, most insurance companies include medical coverage in their plans, although significant restrictions apply.

The best trip cancellation travel insurance policy for you might not be the most expensive one, says Steve Dasseos, founder of TripInsuranceStore.com. For example, a regular policy will cover trip cancellation, interruption, trip delays, lost luggage, medical emergencies and evacuations. Not one of his policies exclude pandemics or epidemics.

“Many people have been overpaying for travel insurance plans, because whoever sold the policy to them failed to tell them that they didn’t need cancel-for-any-reason coverage,” he says.

Elliott is a consumer advocate, journalist and co-founder of the advocacy group Travelers United. Email him at chris@elliott.org.

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 (the Most Exclusive, Informative & Friendliest Travel Insurance Comparison Site)

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I hope this makes sense.

And, if you have any questions about travel insurance, call us Toll-Free at 1-888-407-3854 or email Steve (me), The Travel Insurance Guru, here or using steve [at] tripinsurancestore dot com.

{ 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)

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Will My Non-Refundable Airfare Be Covered?

by Steve Dasseos on August 22, 2021

Hi Steve, We are going to Spain in October 2021 and we bought a Trip Cancellation policy from you on March 29, 2021. Subsequent changes in covid conditions have elevated our anxiety for this trip, but a recent advisory from the U.S. State Department to “do not travel” to Spain have caused us to postpone the trip until perhaps 2022, or to cancel it altogether. Our provider has advised us that either postponement or cancellation will result in a forfeiture of only 250 euros for an internal plane flight for which there is no refund. The remainder of our deposit will be either refunded or held for a new deposit for a potential new trip. Our understanding is that our travel insurance will cover the forfeited portion of our deposit. Can you advise us what steps we must now do?

If you are cancelling your trip for a covered reason, your policy will reimburse you for all your prepaid, non-refundable trip costs up to your $2,000 per person trip cost limit.

However, cancelling your trip for a not-covered reason like government advisories, restrictions, fear, worry, etc, requires you to have had a plan with the Cancel For Any Reason coverage. Your plan doesn’t have the Cancel For Any Reason coverage.

If you are not filing a claim, you may hold your policy for a future trip so you don’t lose its value. If you haven’t yet re-scheduled your trip, let us know and we will contact the insurance company for you to let them know. Later, when you arrange a new trip, we will take care of changing your travel dates. Your new trip can be any trip going anywhere in case you decide not to go to Spain.

In case you haven’t made the final decision yet, look at this Blog post I wrote on April 25, 2021 about US State Department Warnings:
https://tripinsurancestore.com/blog/is-a-us-state-dept-level-4-warning-a-covered-reason-to-cancel-my-trip/

I hope this made 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 (the Most Exclusive, Informative & Friendliest Travel Insurance Comparison Site)

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

And, if you have any questions about travel insurance, call us Toll-Free at 1-888-407-3854 or email Steve (me), The Travel Insurance Guru, here or using steve [at] tripinsurancestore dot com.

{ 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.

Does Travel Insurance Cover Flying Standby?

by Steve Dasseos on August 15, 2021

Hi Steve, I am a retired airline employee. Does flying Standby affect any trip cancellation travel insurance coverages including trip cancellation or interruption coverages? I’m also looking at the Cancel For Any Reason upgrade.

Yes, your coverages will be affected. Flying standby, or any other trip with no scheduled trip dates, would affect all the benefits which reference “Scheduled Departure Date” and the “Scheduled Return Date”. This would affect almost all the benefits in the policy, so it’s safe to say that you would be wasting your money buying a trip cancellation travel insurance policy.

There would also be no coverage under both the Cancel For Any Reason and Interrupt For Any Reason benefits where available. Since there is no Scheduled Departure Date for a standby flight, there are really no benefits.

A common definition of the Scheduled Departure Date is “the date on which You are originally scheduled to leave on Your Trip. This date is specified in the enrollment, itinerary or other travel documents”. Some policies say “the trip has defined Departure and Return Dates specified when the Insured applies”. Or, you may find the wording in the Exclusions: “This plan does not cover any loss caused by or resulting from: if the Insured’s tickets do not contain specific travel dates (open ticket).”

You could get a Travel Medical plan. There are per trip plans (I prefer these IMG plans) and Annual Medical plans. If you don’t live in Maryland, New York or Washington, the Geo Blue Trekker is the best Annual Medical plan available.

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 (the Most Exclusive, Informative & Friendliest Travel Insurance Comparison Site)

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

I hope this makes sense.

And, if you have any questions about travel insurance, call us Toll-Free at 1-888-407-3854 or email Steve (me), The Travel Insurance Guru, here or using steve [at] tripinsurancestore dot com.

{ 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.

Hello, I’m looking at purchasing a Trip Insurance policy from you. When I read the policy wording, under definitions, I see: “Physician means a licensed practitioner of medical, surgical, or dental services acting within the scope of his/her license in the jurisdiction where the services are rendered. The treating Physician cannot be You, a Traveling Companion, a Family Member, or a Business Partner.”

Does that mean a licensed nurse can be a “Physician” to authorize a Trip Cancellation, a Trip Interruption or make any other medical recommendations for anything covered by a policy?

Thanks, Jeff

Hi Jeff,

No, neither a licensed nurse, nor a nurse practioner, meet a Trip Insurance policy’s definition of a “Physician”.

In case you’re wondering, the medical coverage doesn’t exclude you from receiving treatment from a icensed nurse because medical services (including charges for anesthetics, x-ray examinations or treatments, and laboratory tests) and supplies, prescription drugs, and therapeutic services ordered or prescribed by a Physician as Medically Necessary for treatment are covered.

If a traveler is currently ill or injured, they must be consulting with a licensed Physician who tells them they cannot travel because their current illness or injury is so disabling that they cannot travel. Your illness or injury will have to be substantiated with medical records. Prior to the Coronavirus overwhelming medical facilities you had to see the Physician in person. The insurance companies have become more flexible which means you could do a consultation via Skype or a televisit format. You do need some kind of face-to-face consultation with a licensed Physician.

And, it’s important you are not related to the doctor. Here’s why: https://tripinsurancestore.com/blog/why-must-you-see-a-non-family-member-doctor/

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 (the Most Exclusive, Informative & Friendliest Travel Insurance Comparison Site)

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

I hope this makes sense.

And, if you have any questions about travel insurance, call us Toll-Free at 1-888-407-3854 or email Steve (me), The Travel Insurance Guru, here or using steve [at] tripinsurancestore dot com.

{ 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.

Hey, Steve, Another few questions regarding my policy:

  • I want to be sure I understand what effect the State Dept Level 4 Do Not Travel warning for Egypt has – would any claim be paid if we traveled at this level?
  • A related question would be when the State Dept warning was at Level 3 Reconsider Travel– would claims be paid or evacuation/repatriation be provided?
  • Since this Level 4 warning just occurred, is that a covered reason to cancel? We are not planning on cancelling but I did not see this addressed in the policy. I assume that means it is not covered.

Thanks! Kelly

Hi Kelly,

Here are the answers:

> would any claim be paid if we traveled at this level?

Yes, any claim for any covered reason will be covered at Level 4.

> when the State Dept warning was at Level 3 Reconsider Travel– would claims be paid or evacuation/repatriation be provided?

Yes, any claim for any covered reason would have been be covered at Level 3.

> Since this Level 4 warning just occurred, is that a covered reason to cancel?

No, not if you are cancelling your trip because a warning was issued. For example, there have been US State Dept travel warnings for Israel for years, yet, Israel is one of the safest places to go in the whole world.

In summary, US State Dept warnings have no effect on a claim (neither negative nor positive) and aren’t listed in the covered Trip Cancellation reasons.

There are lots of covered reasons to cancel a trip, but fear (including what the government and the media are saying), worry and concern about travelling are not covered. If you had a plan with the Cancel For Any Reason coverage, you could cancel for changing your mind, but the most you get reimbursed is 75% of your per person prepaid and non-refundable trip costs on the date you cancel.

I have discovered that many people think that these US State Dept Levels forbid one from travelling. In reality, they don’t. They are simply advisories that tell you what you might encounter, and what assistance a US Citizen should expect from the US government.

Here’s the list from https://travel.state.gov/content/travel/en/international-travel/before-you-go/about-our-new-products.html

Level 1 – Exercise Normal Precautions: This is the lowest advisory level for safety and security risk. There is some risk in any international travel. Conditions in other countries may differ from those in the United States and may change at any time.

Level 2 – Exercise Increased Caution: Be aware of heightened risks to safety and security. The Department of State provides additional advice for travelers in these areas in the Travel Advisory. Conditions in any country may change at any time.

Level 3 – Reconsider Travel: Avoid travel due to serious risks to safety and security. The Department of State provides additional advice for travelers in these areas in the Travel Advisory. Conditions in any country may change at any time.

Level 4 – Do Not Travel: This is the highest advisory level due to greater likelihood of life-threatening risks. During an emergency, the U.S. government may have very limited ability to provide assistance. The Department of State advises that U.S. citizens not travel to the country or to leave as soon as it is safe to do so. The Department of State provides additional advice for travelers in these areas in the Travel Advisory. Conditions in any country may change at any time.

Starting in February 2020, both on TripInsuranceStore.com and on my Blog at TripInsuranceStore.com/blog, I was writing about Covid and could be done with a Travel Insurance policy.

On March 19, 2020, I wrote this Blog post: https://tripinsurancestore.com/blog/do-you-have-an-upcoming-trip/

Then, on March 20, 2020 (and thoughout 2020) I sent the first of over 30,000 emails titled “Here’s what you can do with your Travel Insurance policy” to everyone who bought a policy from us for an upcoming trip. These weren’t generic emails because I sent them in batches to people with the same company explaining exactly what they could do so they didn’t lose the money they paid for their policy.

In addition to my March 19, 2020 Blog post, I also included the following information:

If your doctor’s telling you not to take your trip, read this: “Don’t Cancel for Your Own Medical Reasons If You’re Not Ill or Injured” at
https://tripinsurancestore.com/blog/dont-cancel-for-medical-reasons-if-youre-not-ill-or-injured/

All my companies have procedures for trips affected by the Coronavirus. I created this information page called Coronavirus Policy Date Changes at:
https://tripinsurancestore.com/coronavirus-policy-change/

So far, all our customers with rescheduled trips have re-used their policies while others are waiting to book replacement trips.

If you aren’t one of our treasured customers and you need help making changes to a policy (because whoever sold it to you failed to tell you in advance what you could do), contact us and we will help you make the changes if it’s still possible.

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 (the Most Exclusive, Informative & Friendliest Travel Insurance Comparison Site)

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

I hope this makes sense.

And, if you have any questions about travel insurance, call us Toll-Free at 1-888-407-3854 or email Steve (me), The Travel Insurance Guru, here or using steve [at] tripinsurancestore dot com.

{ 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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