What Date Is Your Initial Trip Deposit Date?
Your Initial Trip Deposit Date is the earliest date that a payment of any kind was paid and / or applied to your trip. There’s one exception: if you paid money on a cruise for a future cruise without set travel dates, there are five travel insurance companies that will not consider that your Initial Trip Deposit Date.
You book a trip on July 1st and put it on your credit card. Three weeks later you get your credit card bill and pay it on July 23rd. Even though you think you “paid for your trip on July 23rd”, your Initial Trip Deposit Date was really made on July 1st.
You use frequent flyer miles to get a ticket. A month later make the deposit on your tour or cruise. Your Initial Trip Deposit Date is the is the date you arranged for your ticket with your frequent flyer miles. That’s because the taxes you paid are the first payment made on your trip.
How does switching the cruise to a different travel agent effect my Initial Trip Deposit Date change?
Switching the cruise to a different travel agent while keeping the same travel dates doesn’t re-set your Initial Deposit Date.
Is there any way to keep the same travel dates, but change my Initial Trip Deposit Date?
No. If any of the money you paid previously is either transferred or applied to your new cruise’s booking, the original deposit date will be the same.
The only way the new cruise booking is treated as a new cruise with a new Initial Trip Deposit Date is if:
- You can show documentation (at claim time) that you completely cancelled the 1st cruise and received 100% of your money back as either a credit card refund or in the form of a check made payable to you, and
- You then have to book a trip with different travel dates from the trip you cancelled.
Why does completely cancelling my trip and booking a new one with different travel dates change my Initial Trip Deposit Date?
The reason is because you have a new trip. Keep in mind that if any of the money you paid previously is either transferred or applied to your new cruise’s booking, the original deposit date will be the same.
In addition, if you examine our travel insurance policy wordings, you’ll see that all plans all include wording like “this is the first and only booking for this same destination and dates of travel” as a condition of waiving the pre-existing medical condition exclusion. You cannot cancel your trip & re-book it to just reset your initial trip deposit date. Read Steve’s Blog post to find out more.
|The Exceptions to “What Is Your Initial Trip Deposit Date?”
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