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InsureMyTrip

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  1. Thank you to the Cruise Critic team for inviting us on the forum to talk travel insurance! We will continue to share the latest information regarding (novel coronavirus) COVID-19 on our education resource page, Coronavirus & Travel Insurance. - InsureMyTrip Team
  2. I'm sorry to hear we couldn't help you out. If the coverage you are searching for is for the coronavirus, as of January 21, 2020 it is listed a foreseen event by most providers, making trip cancellation coverage very difficult to obtain.
  3. If you are concerned about coronavirus and seeking travel insurance with a "cancel for any reason" benefit, we do offer a cruise plan that extends eligibility requirements for CFAR up until that final payment. If you want us to help with a quote, email news@insuremytrip.com and we will match you to a travel insurance agent.
  4. These are great questions. That cruise sounds like it will be a great time. We are recommending that travelers consider a travel insurance plan that includes a "cancel for any reason" CFAR upgrade. This way, you can generally cancel a trip due to fear. We do have a cruise plan that enables use to still purchase CFAR before you make that final cruise payment. If you want us to help, feel free to send your info to news@insuremytrip.com and we can help you with that first quote!
  5. Hi! Ronni from InsureMyTrip here! It's not too late to buy travel insurance that covers other unforeseen concerns outside of coronavirus. Keep in mind, if you contract coronavirus while traveling, most plans - even if purchased today - may provide emergency medical coverage. If you purchase a comprehensive travel insurance plan today and tomorrow an unforeseen event affects your trip - you'll most likely be covered. In short, we recommend buying a travel insurance plan for all the other things that could happen when you are traveling!
  6. Yes, you can increase medical and other coverage limits on some plans. You are welcome to call us direct to find a plan that matches your desired coverage limit per person. You can also compare a few plans on our website. Those plans that allow you to increase limits will show an empty box that you can click for that "add on" coverage.
  7. While you can mark $0, this would prevent you from meeting eligibility requirements for a pre-existing medical conditions waiver.
  8. This is tricky because travel insurance companies have different positions on how they are handling the coronavirus. Some would, some wouldn't offer coverage for this scenario. If this is a concern of yours and you are shopping around for travel insurance, you can certainly contact us directly to get some plan recommendations.
  9. Great, can you email me your info at news@insuremytrip.com?
  10. Thanks for clarifying your question for us. That's helpful. I'm glad you found an answer to your question, our travelers do prefer comprehensive travel insurance plans that offer reimbursement (vs. credits) — however, if you get stuck in the future please call us 1-800-487-4722. We do offer Travelex plans --- and you shouldn't need (2) travel insurance plans. 🙂
  11. Hi @H20tstr did you happen to buy your policy through InsureMyTrip? If so, I'd like to put you in touch with our advocacy program which can help.
  12. Sometimes, delays can fall under the Trip Interruption benefit (which is based on your total prepaid non-refundable trip cost that you enter) which can help reimburse for prepaid expenses you missed out on due to a covered delay. The Trip Interruption benefit sometimes has a higher limit available than what your prepaid trip cost is to help reimburse for a last minute flight due to a covered interruption as well. With most plans, the Trip Interruption benefit is not available unless the delay is for 24 or 48 consecutive hours and falls under one of the listed covered reasons, so if your delay is less time than that or simply not a covered reason under Trip Interruption, it can only be covered under Travel Delay because that kicks in only after 5-12 hours and is usually any delay of a common carrier rather than a list of specific covered reasons (depending on the plan). We do work with a few providers that don't list a timeframe required for the delay under Trip Interruption, but because the plans change fairly often, I would highly recommend calling us the next time you are looking for a quote and discussing this concern with one of our licensed representatives so you can be sure to get a plan that covers all or most of your concerns. Hope this helps -- and sorry to hear your trip got delayed last time..
  13. Sorry to hear about that. Were you reimbursed for all prepaid non-refundable expenses by your cruise line?
  14. Check out this plan from Nationwide: https://www.insuremytrip.com/travel-insurance-providers/nationwide/luxury-cruise/#tab_plan-summary If You cancel Your Trip for any reason not otherwise covered by this Certificate, the Company will reimburse You for the percentage of the prepaid, forfeited, non-refundable Payments or Deposits You paid for Your Trip shown on the Confirmation of Coverage provided: (a) Your premium payment is received prior to or on the date Your final deposit/payment for Your Cruise is received; and (b) You insure all Trip costs (including those that are subject to cancellation penalties or restrictions) and also insure prior to Your final Cruise payment the cost of any subsequent arrangements (or any other arrangements not made through Your travel agent) added prior to Your Trip; and (c) You cancel Your Trip two (2) days or more before Your Scheduled Departure Date.
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