This Little-Known Benefit is Important

by Steve Dasseos on November 11, 2021

The Extension of Coverage is an Important Benefit

What is the Extension of Coverage?

If you insured the entire length of your Trip with your Trip Cancellation Travel Insurance Policy and your return is delayed by specific unavoidable circumstances beyond your control, all coverages will be extended to the earlier of the date you reach your originally scheduled Return Destination or x number of days after the originally Scheduled Return Date. Our policies extend either 7 or 10 days, depending on the policy, after the originally Scheduled Return Date.

Prior to Covid, the most common delay circumstances were carrier-caused, bad weather, strikes, natural disasters and medical treatment. What’s different now is that people are also being delayed because a doctor puts them into a medically-imposed quarantine due to a positive Covid test.

On August 5, 2021 a customer called me from his Viking cruise around Iceland. Even though he was fully vaccinated, he tested positive for Covid. His trip was ending on August 10th. He was put into a 10 day quarantine which means he and his wife were coming home on August 15th (five days after his original return date). He was happy to hear that their coverage wasn’t ending on August 10th, but that it would automatically extend until they got home on August 15th.

The purpose of the Extension of Coverage is cover you if something else happens to you when you are delayed. For this customer, the Trip Delay benefits covered part of the costs of their meals and accommodations. He never got ill from Covid so there weren’t any medical treatment costs.

There are a lot of trip cancellation plans from many companies that I don’t sell for various reasons. The main reason is their important coverages and policy term definitions aren’t very good. I’ve seen policies with no extension of coverage while others have just 2 days.

The Extension of Coverage days in the Companies I Trust:

Company Number of Days
CSA 7 days
Generali 7 days
IMG 10 days
Travelex 7 days
Travel Guard Plus 7 days
Travel Guard Preferred 7 days
Travel Insured 7 days
TravelSafe 10 days
TripAssure 7 days

 

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.


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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.

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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.

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How is a Positive Covid Test at the Cruise Terminal Covered?

by Steve Dasseos on September 28, 2021

Hi Steve, In “Does a Trip Cancellation plan Cover a Last-Minute Positive Covid Test?”, you said that your plans will cover me if I have a positive Covid test result just before I leave on my trip as long as I see a doctor who tells me that I have to cancel my trip.

But, how am I covered if I am denied boarding based on a positive Covid test at the cruise terminal when no doctor is present? Would I be covered for reimbursement by my Trip Cancellation insurance? We are flying from Florida to Canada and boarding the ship there after we leave home. Thanks! Ed

If you have a positive Covid test result after you have left home, but before you get on the cruise ship, you still must see a doctor who will likely tell you that you have to cancel your trip. It’s possible that the doctor will do a second test to rule out a false positive because they happen more often than people realize. In fact, two co-hosts of “The View” said yesterday that their results from Friday turned out to be false positives.

And, on Thursday, September 16th, a customer named Barry sent this email: “I have just got a positive Covid test result. I think it is a false negative but can you put a hold on the insurance until I’ve cleared this up and let you know?” Then, on September 17, 2021, Barry sent this email: “I got a negative test result this time so we are good to fly!”.

I recently got a call from Sheila in Texas who said “I’m going to Miami in December and if I test positive at the pier, how do I find a doctor I can see in Miami?” I suggested she make a list of doctors prior to going in the area in case she has to see one.

If you do not see a doctor, and instead, decide to interrupt your trip based on the positive Covid test, there are no Trip Cancellation plans that will cover you simply because you receive a positive Covid test without documentation you saw a doctor. Another reason to see a doctor is that if you need to be quarantined, only a doctor can order you into a medically-imposed quarantine.

At the risk of sounding redundant, this is what you need to do if you receive a positive Covid test or even if you got the Coronavirus:

  1. See a doctor that you are not related to in person and
  2. If he or she says that you cannot travel, any of our Trip Cancellation plans will cover you the same as any other illness or injury.

I cannot say if any of the other Trip Cancellation plans we do not sell will cover you, so you will have to check with them.

The only plan you can get that will cover you if you have to cancel your trip for a not-covered reason like being worried that you will have Covid or that you will potentially get Covid on your trip is one with the Cancel For Any Reason coverage.

However, one drawback to the Cancel For Any Reason coverage is that you have to cancel your trip not less than two calendar days before you leave on your 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.

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.


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.

{ 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.

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)

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.

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.

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