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.


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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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How to Insure a Vacation Rental Property

by Steve Dasseos on March 12, 2021

Either myself (age 72) or my daughter (age 43) are renting a house in another State and paying for the full cost of the rental for our family. The other family members will be staying for free. What’s the correct way to buy a trip cancellation plan?

The correct way to insure a rental property when one person is paying for it is to insure the full prepaid non-refundable cost on the person paying for it. The price is partly based on the person’s age. The rental agreement / lease must show that same person’s name on it. If your daughter prepays the rental and her name is the only one listed on the rental agreement / lease, her insurance will cost less than yours because she’s younger.

The Trip Cost that each person pays should be insured under their name(s). In this example, the daughter rents the property and pays the full cost. None of the other family members are paying any money for the property.

If other family members were flying to the destination, they could insure their airfare under a policy that covers that family group.

To recap, there’s no reason to insure any amount of the rental property under those individuals not paying for it.

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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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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More About What is Covered for Covid

by Steve Dasseos on January 16, 2021

Hi Steve, Would we get the cost of the house rental back if:

  • Someone gets quarantined for Covid
  • Someone gets Covid before or during the trip
  • We have a death in the family

These questions are from a family that is renting a house in Florida for the 2021 Spring Break. Here are the answers:

Someone gets quarantined for Covid
It has to be a medical quarantine. In this Blog post: https://tripinsurancestore.com/blog/overlooked-travel-insurance-exclusions/, I said:

Q. Does a pre-departure government mandated quarantine meet the definition of a quarantine for a covered reason when the insured traveler(s) are not sick themselves?

A. The Stay at Home or Shelter in Place orders are not a quarantine. Of the government orders I’ve read, they all allow you to leave your home for groceries. A quarantine wouldn’t allow you to leave a particular room. The quarantine covered reason covers when an insured is ill and is quarantined. The insured must be quarantined due to a Sickness.

Someone gets Covid
Before the trip: If one of the travelers has a positive test for Covid, whether or not they have symptoms, do not cancel your trip based on that test. They will have to see a doctor in person. If the doctor tells them they have to cancel their trip, you are all covered for the Trip Cancellation as long as its substantiated with medical records. I think it’s nearly a 100% likelihood the doctor tells you to cancel based on a positive test. Most of our Trip cancellation plans cover Covid the same as any other illness.

Prior to the Coronavirus overwhelming medical facilities you had to see the doctor in person. The companies have become more flexible, so if your only choice is a virtual consultation, this is acceptable.

During the trip: If one of the travelers has a positive test for Covid, whether or not they have symptoms, they also need to see a doctor in person (this is true for any illness or injury). Medical treatment for Covid is covered the same as any other illness.

If a non-traveling family member gets Covid before or during your trip, they have to be ill enough that you would cancel or cut your trip short. Covid is treated the same as any other illness.

We have a death in the family
An unexpected death (i.e. – not due to a pre-existing medical condition) of a traveler or a non-traveling family member before or during your trip is covered. It’s a Trip cancellation if it happens before the trip and a Trip Interruption if it happens on the trip and you come home early. If it’s due to a pre-existing medical condition, you want to be sure your policy includes the waiver of the pre-existing medical condition.

You are covered whether or not the family member is seriously ill or injured as well as if they passed away.

If any of the coverages relating to Covid changes, I’ll write another Blog post.

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.

I need to know which Trip Cancellation plans will allow me to cancel if I cannot travel due to a last-minute positive COVID test.

If you have a positive COVID test result just before you leave on your trip, you must see a doctor who will likely tell you that you have to cancel your trip. If you do not see a doctor, and instead cancel 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.

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 your doctor 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 three calendar days before you leave on your trip.

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.

I’m Doing a Q & A on Cruise Critic for December 2020

by Steve Dasseos on December 2, 2020

I am doing a month long Question and Answer about Trip Insurance on CruiseCritic.com for December 2020. Come and check it out here: https://boards.cruisecritic.com/forum/2500-qa-cruise-insurance-with-the-tripinsurancestorecom-december-2020/

The forum is open for any member, so if you have any questions you think would be helpful to others, please ask them in this forum.

If you cruise, or even if you are potentially interested in cruising in the future, I suggest you become a member of CruiseCritic.com if you are not already. It’s free to join and you can read, learn and lurk if participating in social forums is not your passion.

There are many good reasons to be a part of CruiseCritic.com. The three benefits I regularly hear about are:

  • The Roll Calls. CC Help Jenn said this: “Roll Calls are discussions where you can “meet up and chat with” other Cruise Critic members on the same cruise on-line before you sail! Your Roll Call topic is the place where members can get to know one another before they sail, and exchange tips and information about their particular line, ship, Ports of Call, shore excursions/tours, transportation, etc.” Learn more about Roll Calls here.
  • Finding out about excursions from other travelers. Even if you never write a post, you will get valuable information about your cruise’s itinerary on its Roll Call.
  • Meeting fellow cruisers. I have lots of customers who’ve met friends on CruiseCritic.com that they now often travel with. In particular, a couple who lives in Maryland met another couple on a Roll Call who happen to live within a mile of them. They got to know each other on the cruise and have become very good friends.

In case anyone is wondering, I do not receive any financial benefit from CruiseCritic.com nor do I give CruiseCritic.com any financial benefit. I enjoy helping people understand how travel insurance works.

Here’s what one of the CruiseCritic.com Hosts (Host Bonjour) says:

Yay, Steve Dasseos is back with us again!

We’re fortunate to have our friend, Steve Dasseos, doing another residency here on Cruise Critic message boards, answering your trip insurance questions. Whether you’re trying to determine what type of insurance product you need, or if you even need a product, what happens if claims are filed, and what could be excluded from coverage…. well we’ve not yet seen a question here that Steve didn’t handle brilliantly based on his experience, training, and perhaps most importantly, deliver it in a sincere, kind, and comprehensive manner.

Trip insurance is sometimes a complex topic, but Steve helps make it feel palatable, and manageable even though most of us don’t love dealing with the intricacies of insurance, and aren’t experts. As positive news has broken lately about vaccine progress, and ships are well into testing their safety plans and protocols, it’s not unreasonable to start looking into future travel plans. In light of how 2020 went, it may be wiser than ever to consider trip insurance to cover any journey you may make in the near future.

Take advantage of this opportunity to consult with Steve about your options, how to shop, what’s important, what’s not, so when you are ready to book and you need to decide about insurance, you’ll be prepared to make the best choices to protect yourself, your family/friends, and your investment.

Take advantage of this wonderful opportunity to connect with an expert!!

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.

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 Recommended Travel Insurance Website on Travel Forums)

{ 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.

Why are Travel Insurance Claims Taking So Long to Process?

November 2, 2020

Subscribe Why are Travel Insurance Claims Taking So Long to Process? This is a typical phone call or email I have been getting for the last ten months: It’s now been 4 (or 5, 6, 7…) months since I submitted my claim for my trip. I understand they are busy, but this seems like they […]

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Third Party Travel Supplier Financial Default

October 18, 2020

Subscribe Does travel insurance cover the cost of a cruise line or a travel supplier going out of business? If you were to ask this simple and straightforward question to nearly anyone who sells trip cancellation travel insurance, whether online or through a travel agency, you will get a definite “Yes” answer. You also might […]

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CardRates.com Interviews Steve Dasseos

June 20, 2020

In a Nutshell: TripInsuranceStore.com was one of the first one-stop-shop internet sites for travel insurance. Today, the website and its founder, Steve Dasseos, helps countless travelers protect their financial investments when booking a trip for business or pleasure. During a global pandemic, those insurance plans become more important – and sometimes harder to understand. By […]

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I’m Doing a Q & A on Cruise Critic for June 2020

June 3, 2020

Subscribe I am doing a month long Question and Answer about Trip Insurance on CruiseCritic.com for the month of June 2020. Come and check it out here: https://boards.cruisecritic.com/forum/2484-qa-cruise-insurance-w-steve-dasseos-of-the-tripinsurancestorecom-june-2020/ The forum is open for any member, so if you have any questions you think would be helpful to others, please ask them. If you cruise, or […]

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Overlooked Travel Insurance Exclusions

March 30, 2020

Subscribe Why don’t you come right out and say that your Trip Cancellation Travel Insurance plans do not cover pandemics? TripInsuranceStore.com claims be the most informative Travel Insurance website, so why don’t you address this? What are you hiding? They vented their anger at me. The pièce de résistance is the popular website they bought […]

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Do You Have an Upcoming Trip?

March 19, 2020

Subscribe Like TripInsuranceStore.com has always been, I (Steve) am being direct about your choices. This could change in the future if the companies themselves make changes to their procedures. If you cancel your trip for a not-Covered Reason, you will still have a payable claim if your travel insurance includes the Cancel For Any Reason […]

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What You Should Do If You Have a Trip Booked Now

March 11, 2020

Subscribe If you have not yet read these three pages, I suggest you do so because they contain important information that could save you from making a costly mistake: Travel Insurance and the Coronavirus Don’t Cancel for Your Own Medical Reasons If You’re Not Ill or Injured The Coronavirus is disrupting travel partly due to […]

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Don’t Cancel for Your Own Medical Reasons If You’re Not Ill or Injured

March 6, 2020

Subscribe Just so no one misunderstands what I write about the Coronavirus, I need to say this upfront: The Coronavirus threat is real. Unfortunately, thanks to the fear and the lack of accurate information, lots of travelers are contemplating cancelling upcoming trips that they have insured. Check out my regularly updated page about Travel Insurance […]

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Travel Insurance and the Coronavirus

February 5, 2020

Subscribe I am copying TripInsuranceStore.com‘s Coronavirus page here because you may not see it on TripInsuranceStore.com The Geopolitics & Int’l Relations website GreatGameIndia.com had the truth about the virus and Communist China in Jan 2020. What Is Your Risk for Developing COVID-19? Take the Two-Minute COVID Risk Quiz to Find Out (No optin required – […]

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Find Cures With Your Computer

February 2, 2020

Subscribe How to Use Your Computer for Good You can get involved with legitimate research projects that use your computer’s spare and unused computing power to solve complex computations that are used to find cures for diseases. I have done this for over 12 years. This blog post is about Protein Folding projects. The wording […]

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