Travel Insurance

CigarNut · 03-22-2010, 04:26 PM

We purchase it for all of our big trips, especially the cruises. It is invaluable and does not cost too much.

Commander Quan · 03-22-2010, 04:30 PM

Basically I am just concerned with the Hurricanes and other acts of nature that would be out of our control.

Blueface · 03-22-2010, 04:43 PM

Quote:

Originally Posted by BigCat

Most travel insurance policies I've reviewed have been extremely limited...its not covering you oversleeping and missing your flight, etc. I can't get into specifics without seeing what you'd actually be getting, but make sure you read it carefully and understand what you are buying. I'd bet it isn't a whole lot of coverage.

Exactly what I was referring to when I said to make sure they read it well.

Quote:

Originally Posted by CigarNut

We purchase it for all of our big trips, especially the cruises. It is invaluable and does not cost too much.

Question: Have you ever had to use it and how did it work out?

BigCat · 03-22-2010, 05:34 PM

Quote:

Originally Posted by Blueface

Exactly what I was referring to when I said to make sure they read it well.

I think we were replying at the same time. Great minds think alike

yourchoice · 03-22-2010, 05:59 PM

When my wife and I went on our honeymoon 11+ years ago we went to a Sandals resort which is all-inclusive, including Hurricane Insurance. Well, as luck would have it, we had to leave on our 6th day of our 7 day trip because Hurricane Georges was bearing down on us (Antigua). Their insurance stated that if any part of our trip was interupted by a hurricane, we would receive a full replacement vacation for the same length of time our full trip was supposed to have been. We were lucky and able to get out before the hurricane struck, but we had to go back and forth with Sandals for a little bit to get our replacement vacation. Ultimately a letter was necessary but we were back at another Sandals (St. Lucia) 8 months later (had to use it within 1 year). At first they said we had to basically "survive" the hurricane to get the replacement vacation but after mailing a letter there were no questions asked. As crazy as it sounds, my wife and I thought we were quite lucky.

Felt bad for the good people of Antigua though.

We met a few couples in St. Lucia that did rough it through the hurricane and it sounded pretty bad. They ended up getting flown out in a private jet (Sandals owner is a part owner of the Heat I think?) which sounded like the highlight of the whole affair.

CigarNut · 03-22-2010, 07:40 PM

Question: Have you ever had to use it and how did it work out?[/quote]I have not had to use it yet -- and I hope I never do. For me it's there just in case -- as insurance should be.

I do understand the caveats of coverage and I think my expectations about what is and is not covered are realistic.

The first time we purchased the insurance was due to illness in my wife's family (that could have caused us to cancel our trip) and we have continued to purchase insurance since.

Blueface · 03-22-2010, 04:44 PM

Quote:

Originally Posted by Commander Quan

Basically I am just concerned with the Hurricanes and other acts of nature that would be out of our control.

Read it carefully as "Acts of God" may be excluded and that is what one would call a hurricane.

03-22-2010, 04:26 PM	#1
CigarNut Fck Cancer! Join Date: Jan 2009 First Name: Michael Location: Clermont, Florida Posts: 18,042 Trading: (111*)	Re: Travel Insurance We purchase it for all of our big trips, especially the cruises. It is invaluable and does not cost too much. __________________ Need Beads? Need Five Finger Bags? 2 of 3 Requirements for use of the CA Rolodex: 100 posts/ 60 day membership/ participation in trade (trader rating). New members can be added at any time.

03-22-2010, 04:30 PM	#2
Commander Quan Feeling at Home Join Date: Oct 2008 First Name: Derrick Location: Canton, OH Posts: 966 Trading: (4)	Re: Travel Insurance Basically I am just concerned with the Hurricanes and other acts of nature that would be out of our control.

03-22-2010, 05:59 PM	#5
yourchoice Down the stretch Join Date: Oct 2008 First Name: Joel Location: South Jersey Posts: 4,106 Trading: (36)	Re: Travel Insurance When my wife and I went on our honeymoon 11+ years ago we went to a Sandals resort which is all-inclusive, including Hurricane Insurance. Well, as luck would have it, we had to leave on our 6th day of our 7 day trip because Hurricane Georges was bearing down on us (Antigua). Their insurance stated that if any part of our trip was interupted by a hurricane, we would receive a full replacement vacation for the same length of time our full trip was supposed to have been. We were lucky and able to get out before the hurricane struck, but we had to go back and forth with Sandals for a little bit to get our replacement vacation. Ultimately a letter was necessary but we were back at another Sandals (St. Lucia) 8 months later (had to use it within 1 year). At first they said we had to basically "survive" the hurricane to get the replacement vacation but after mailing a letter there were no questions asked. As crazy as it sounds, my wife and I thought we were quite lucky. Felt bad for the good people of Antigua though. We met a few couples in St. Lucia that did rough it through the hurricane and it sounded pretty bad. They ended up getting flown out in a private jet (Sandals owner is a part owner of the Heat I think?) which sounded like the highlight of the whole affair.

03-22-2010, 07:40 PM	#6
CigarNut Fck Cancer! Join Date: Jan 2009 First Name: Michael Location: Clermont, Florida Posts: 18,042 Trading: (111*)	Re: Travel Insurance Question: Have you ever had to use it and how did it work out?[/quote]I have not had to use it yet -- and I hope I never do. For me it's there just in case -- as insurance should be. I do understand the caveats of coverage and I think my expectations about what is and is not covered are realistic. The first time we purchased the insurance was due to illness in my wife's family (that could have caused us to cancel our trip) and we have continued to purchase insurance since. __________________ Need Beads? Need Five Finger Bags? 2 of 3 Requirements for use of the CA Rolodex: 100 posts/ 60 day membership/ participation in trade (trader rating). New members can be added at any time.