What Are the Right Travel Dates to Insure?

by Steve Dasseos on October 7, 2023

We are taking a European River cruise, but we are going 5 days early to Holland and adding on extra days in Budapest. Everywhere we look, it says to insure the length of the cruise, but we want to be sure we are also insured for the extra days in case something happens to one of us. Many people on our Facebook group said you could help us figure this out. Thanks, Diane

Hi Diane, Thanks for asking. This is a common question and for some reason, there’s a lot of confusion about travel dates.

The right travel dates are the dates you leave home and return home. When you’re arranging a trip way in advance, it’s likely you won’t know your travel dates until you get your airfare.

Even then, you may not know your exact travel dates until just before you leave because there are constant flight changes. For example, my wife and I are taking an Azamara repositioning cruise in November. Our flights with Delta have been changed 9 times so far.

In addition, you might decide to reschedule your cruise or even cancel it before your penalties start. If you do this, be sure to let us know. If don’t incur any penalties and are not filing a claim, you may change the dates on your policy to the new trip. Click here for more detailed information.

What you don’t want to do is add extra dates to the end of your trip in case you are delayed coming home. There are two reasons why not to do this:

  1. If you have a claim and your policy’s travel dates don’t match you itinerary, your claim will be delayed until the insurance company gets sufficient proof of your right travel dates.
  2. All of our plans have a little-known benefit called “Extension of Coverage”.

What is the Extension of Coverage?
All coverages will be extended if Your entire Trip is covered by this policy and Your return is delayed due to unavoidable circumstances beyond Your control.

This extension of coverage will end on 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. I’ve seen companies extend it longer in rare situations, too.

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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