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I Want Travel Insurance That Does Not Exist

I need travel insurance that will pay all costs if I change the return date on my trip from North Carolina to California to visit my elderly mother. Her medical condition may warrant a longer stay. I want the ability to reschedule my return flight later without having to pay any money out of pocket whether it’s a change fee or a new one way ticket. I already paid $546 for my ticket. I leave tomorrow. Fred B., North Carolina

What I said:

“Hi Fred, Thanks for writing. Sorry about your mother.

Unfortunately, travel insurance will not cover you. Sorry about that. That’s why airlines have change fees. Even though you don’t want to pay any change fees, a trip like yours is exactly the kind of trip where paying the change fee is a benefit.”

What I wanted to say (hopefully others like Fred will read this):

“Hi Fred, Thanks for writing. Sorry about your mother.

I’m happy to report that travel insurance will not cover you. I’m not an actuary but I think a travel insurance policy like this would cost at least $700. Why so much? If you think about all the complexities that go into administering an insurance policy, you can see how those costs add up. Plus that airline change fee still has to be paid.

That’s why airlines have change fees. Even though you don’t want to pay any change fees, a trip like yours is exactly the kind of trip where paying the change fee is a benefit.

I’m sure this isn’t the answer you were looking for, but it is the truth. And, I hope you tell all your friends and family that TripInsuranceStore.com gave you the right travel insurance advice. And, if you’d be so kind to post it on Facebook and your Google Circles I’d be very thankful.”

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