Don’t Round Your Insured Trip Cost Down

by Steve Dasseos on November 12, 2015

I took a call a few weeks ago on one of the Saturday mornings I was working (yes, I work on weekends, too) from someone who wanted to be sure they had Pre-existing Conditions coverage. I asked, “What is your per person prepaid, non-refundable trip cost?”

She said “It’s $4,000 each”. I asked “Really, it’s exactly $4,000 each?” and she said, “Well, it’s really $4,009 but I don’t want to insure the extra $9 each.”

You might be wondering why I did not let her statement “It’s $4,000 each” go unchallenged. It’s because she wanted Pre-existing Conditions coverage. In fact, even if she never said anything about it, I still would have challenged her response since it’s unlikely that she would have known that many plans require you insure at least your trip’s full prepaid, non-refundable cost. In other words, you can’t round it down.

I am fully aware of the fact that she could have gone to any of my adversaries competitors for travel insurance advice. Since she came to, I assume that she wants the truth about how trip cancellation travel insurance works. Besides getting the truth from us, she also gets to experience first-hand what it’s like to receive personalized service and an intelligent conversation about how travel insurance works.

I do not mean to imply that any of the other copy-cat websites give sub-standard advice, nor fail to ascertain exactly what a traveler needs. I’m sure they know what works for them.

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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