Travel insurance coverage question

My travel insurance states it covers trip cancellation in the event of:

a) Sickness, Accidental Injury or death of You, Traveling Companion, or Family Member which results in medically imposed restrictions as certified by a Physician at the time of loss preventing Your continued participation in the Trip. A Physician must advise cancellation of the Trip on or before the Scheduled Departure Date.

I am very sick & my cruise is a week away. If my doctor says I am too sick to travel, would that cover my family members that have booked the cruise also along with the same insurance? They won't go without me.

My travel insurance states it covers trip cancellation in the event of:

a) Sickness, Accidental Injury or death of You, Traveling Companion, or Family Member which results in medically imposed restrictions as certified by a Physician at the time of loss preventing Your continued participation in the Trip. A Physician must advise cancellation of the Trip on or before the Scheduled Departure Date.

 

I am very sick & my cruise is a week away. If my doctor says I am too sick to travel, would that cover my family members that have booked the cruise also along with the same insurance? They won't go without me.

I'm not sure, but I would say it will not cover others. You should contact your insurance carrier and ask them, they would be the best source to help you. Good Luck!

I beg to differ. Everyone would claim against their individual policy. Who is covered does depend on the individual policy definition of 'Family Member' as listed in the DOC; immediate family yes, cousins usually not, grandparents and in-laws vary by company. Others may meet the definition of Traveling Companion-meaning booked together (same room or booking number) or same ship/ date booked by same TA at essentially same time with same travel destinations, again depending on company.

More importantly, your sickness must not be excluded as a pre-existing condition. Assuming your Dr. Recommends you cancel, this is not due to a PEC, and all your family members and traveling companions meet the definition, then this should be covered. Call your policy issuer and ask, but realize that they can only give a hypothetical answer based on the described circumstances. The actual decision will be based on the written documentation you (and everyone else) provide when filing the claim.