zdcatc12 Posted February 2, 2017 #1 Share Posted February 2, 2017 (edited) I usually get Nationwide insurance, but this time I am paying for my cruise strictly with CCL gift cards and they don't consider gift cards as a form of payment for reimbursement. Does anyone know of any of the insurers that would reimburse if the cruise was paid with gift cards? Edited February 2, 2017 by zdcatc12 Link to comment Share on other sites More sharing options...
Mr. Click Posted February 11, 2017 #2 Share Posted February 11, 2017 I don't know about others but Tin Leg/Square Mouth do NOT consider gift cards a form of re-imbersible payment. Learned that the hard way and lost the value of a $500 Celebrity gift card that I got for credit card points. Link to comment Share on other sites More sharing options...
ginger123snaps Posted February 28, 2017 #3 Share Posted February 28, 2017 We did the same with our breeze trip and was assured that I would be fully reimbursed. I spoke with a manager and wrote down all of their info as a just in case. It was John hanckock policy through insuremytrip. When I called insure mytrip they read off a generic policy. Then i called John Hanckock directly and they assured me i was covered. Link to comment Share on other sites More sharing options...
Laurab23 Posted June 23, 2017 #4 Share Posted June 23, 2017 I usually get Nationwide insurance, but this time I am paying for my cruise strictly with CCL gift cards and they don't consider gift cards as a form of payment for reimbursement. Does anyone know of any of the insurers that would reimburse if the cruise was paid with gift cards? My daughter talked with Nationwide and they said they do cover if you use gift cards. She asked them to email that information to her so she has something in writing. Laura Link to comment Share on other sites More sharing options...
Rare GeezerCouple Posted June 23, 2017 #5 Share Posted June 23, 2017 My daughter talked with Nationwide and they said they do cover if you use gift cards. She asked them to email that information to her so she has something in writing. Laura Be sure that you and Nationwide are dealing with the same thing: It may be possible to have travel insurance for a trip where some of the costs are from gift cards (or other non-cash credits of some sort), but what would that policy cover? Perhaps medical costs, but possibly not reimbursement for trip cancellation or delays or similar costs. There are many types of policies with differing types of coverage. Link to comment Share on other sites More sharing options...
cherylandtk Posted June 24, 2017 #6 Share Posted June 24, 2017 (edited) The problem with travel insurance coverage is that you do not have to prove anything until you have a claim. At that time, you have to prove the amount you paid for the trip or cruise. Gift cards which came as a reward or a gift or a loyalty reward are not cash equivalents. Gift cards that are purchased may be considered cash equivalents. Unless you can prove that somebody paid $ for the gift card(s) you may be out of luck. I would caution everyone to read their policy in detail, and perhaps ask for a copy of the claim form to be sure what is covered. A phone rep's advice is not part of the policy, and cannot be relied upon to match what an actual claims adjuster would decide. With regard to the Hancock policy noted above and the use of gift cards, this is the definition found in their travel policy: "Payments or Deposits” means the cash, check, or credit card amounts actually paid for Your Covered Trip. Certificates; vouchers; frequent traveler rewards, miles or points; discounts and/or credits applied (in part or infull) towards the cost of Your Covered Trip are not Payments or Deposits as defined herein. With regard to the Nationwide policy noted above, this is their definition: Payments or Deposits means the cash, check, or credit card amounts actually paid for Your Trip. Payments made in the form of a certificate, voucher or discount are not Payments or Deposits as defined herein. So the biggest question may be what limitations are written on the gift cards themselves. Can they be refunded for cash? Is there a limitation written on them? Do they have the non-cash value statement? Edited June 24, 2017 by cherylandtk Link to comment Share on other sites More sharing options...
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