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iamtrustworthy

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Everything posted by iamtrustworthy

  1. Hi cunn9004, > FOR INSURANCE THAT IS NOT CANCEL FOR ANY REASON - I realize that they consider any medical procedure, change in medication, etc. within 120 prior to the travel. This isn't correct. The Pre-Existing Medical Condition Lookback Period is a period of time, usually the 60 - 180 days (depending on the company) prior to the travel insurance policy’s coverage effective date, that defines a Pre-Existing Medical Condition. In my opinion, the Lookback Period protects the insurance company from fraud if someone misrepresents their Initial Trip Deposit Date. Steve Dasseos
  2. Hi kibutzer, > Understand annual plan cannot start till 60 days before start date of cruise Who told you this? The plans I know don't have this restriction. Steve Dasseos
  3. Hi vivalas, How far from your home is the beach rental property? Steve Dasseos
  4. Hi RosieRoo, > do you think the medical limits are good enough on their policy? It depends on your outside of network coverage. Ask your company this: "If I get hit by a cement truck outside of my network, what's the most I'll have to pay out of pocket? Steve Dasseos
  5. Hi vermonter16, There are a few companies that cover preexisting conditions when bought by final payment. Steve Dasseos
  6. I have no idea if Chase will cover the value of the FCCs. I have a Sapphire card and when I've called them, I can't get a definite answer if a FCC that was created from cash I originally paid with my Chase card is a covered trip cost.
  7. Hi classy_cruiser, Sorry about the delay answering you. Did you pay any of your new deposit in cash? And, are there any bonus credits in the FCCs? Steve Dasseos
  8. Hi ontheweb, They use where they live when they buy the policy. You may tell them I gave you the information if you want. Steve Dasseos
  9. Hi greatestvalue, I can't speak for all companies that offer the CFAR, but my plans that offer the CFAR allow you to just insure the deposit within the deadline your trip is farther in the future and you are paying it in stages. With these plans, you would not have to pay for the insurance in full immediately upon purchase in order to get the pre-existing conditions and Cancel For Any Reasons coverage. All our plans allow "pay as you go" which means you must insure your deposit now and as you prepay more trip costs, you must increase the insurance coverage any time (as long as nothing has happened where you would file a claim) before but not later than 14 days of adding any additional trip costs above what has been insured to keep the pre-existing conditions and CFAR coverage. This does not result in any extra costs, just the incremental price increases. You do have to insure the deposits even if they are refundable. The prices are locked in at your ages and the rates that were in effect when you bought it. I hope this made sense. Steve Dassseos
  10. Hi pkp304, I'm sorry about the delay responding to this. > We are fully vaccinated but playing devils advocate, if we were to test positive and be forced to quarantine in Italy. Is there a policy that would cover the cost associated with extended stay costs (hotel, food, etc.)? I can't speak to how all plans will work, but ll our plans cover covid the same as any illness. This has never changed because epidemics and pandemics were never excluded. Here are my recent Blog posts about Covid and how you are covered: https://tripinsurancestore.com/blog/does-a-trip-cancellation-plan-cover-a-last-minute-positive-covid-test/ https://tripinsurancestore.com/blog/more-about-what-is-covered-for-covid/ https://tripinsurancestore.com/blog/does-a-licensed-nurse-definition-of-a-physician/ https://tripinsurancestore.com/blog/is-a-us-state-dept-level-4-warning-a-covered-reason-to-cancel-my-trip/ I hope this helps, Steve Dasseos
  11. Hi luckyfincruiser, Take a look at the Q&A I'm doing here on CruiseCritic: https://boards.cruisecritic.com/forum/2500-qa-cruise-insurance-with-the-tripinsurancestorecom-june-2021/ Steve Dasseos
  12. Hi greatestvalue, Thank you for your kind words - we are happy to help. I don't know who you are by your "greatestvalue" id, so if you want, call me so I can know who you are. Steve Dasseos
  13. Hi Bo1953, You may insure this trip. Are you looking for trip cancellation with medical and the other coverages, or mainly the medical and evacuation coverage? Steve Dasseos
  14. Hi Bo1953, You may insure this trip. Are you looking for trip cancellation with medical and the other coverages, or mainly the medical and evacuation coverage? Steve Dasseos
  15. Hi greatestvalue, You may estimate your per person trip costs and later, when you prepay more trip costs, call us and we will increase your insurance coverage and you pay the difference in price. Steve Dasseos
  16. Hi Sunburg1 You need to call TravelInsurance.com for their help. Since they earned a commission from your sail, they are morally obligated to help you. If they won't help, let me know and I'll help you. Steve Dasseos
  17. Hi jersey42, The Geo Blue plans do not cover medical evacuation for Covid. As I told Erber "On the other hand, none of my Trip cancellation plans exclude Covid from their evacuation coverage". And, you don't have to use $499 as the trip cost. $500 is the same price. Steve Dasseos
  18. Hi Erber, You are correct. The Geo Blue plans do not cover medical evacuation for Covid. On the other hand, none of my Trip cancellation plans exclude Covid from their evacuation coverage. Steve Dasseos
  19. Hi Laurab23, Sorry about the delay answering you. I missed your question. The State of New York's insurance department hasn't approved them for sale to NY residents. Steve Dasseos
  20. Hi bones774, No, You need to get a policy for each trip. Steve Dasseos
  21. Hi erber, > Geo Blue evacuation coverage excludes Covid This is not correct for the GeoBlue Trekker plan (https://tripinsurancestore.com/geo-blue-trekker-travel-medical-plans/). Specifically, for existing and/or prospective members, injuries and Illnesses resulting from Terrorism and pandemics are covered as any other Injury or Illness provided all of the following conditions are met: The Covered Person had no direct or indirect involvement in the Terrorist Activity; The Covered Person has not unreasonably failed or refused to depart a country or location or is traveling to a country or location following the date a warning to leave or avoid travel to that country or location is issued by the United States government. *Coronavirus disease (COVID-19) and Severe Acute Respiratory Syndrome coronavirus 2 (SARS-CoV-2) are not subject to the above exception and are covered as any other Injury or Illness. Medical Expenses associated with asymptomatic testing or expenses for quarantining (confinement outside of a hospital setting) are not covered under this Plan. Steve Dasseos
  22. Hi newcruiser58, I'm sorry about the delay answering you. All our plans cover covid the same as any illness. Here are my recent Blog posts about Covid and how you are covered: https://tripinsurancestore.com/blog/does-a-trip-cancellation-plan-cover-a-last-minute-positive-covid-test/ https://tripinsurancestore.com/blog/more-about-what-is-covered-for-covid/ https://tripinsurancestore.com/blog/is-a-us-state-dept-level-4-warning-a-covered-reason-to-cancel-my-trip/ Let me know if you want more specific information. Steve Dasseos
  23. Hi molly361, I stopped doing business with Allianz's predecessor Access America (Allianz bought them in 2012) in 2003, so I can't tell you any details about their plan. Get the Geo Blue Trekker (https://tripinsurancestore.com/geo-blue-trekker-travel-medical-plans/) if you mainly want medical and evacuation coverage. And, I have found the RoamRight Multi-Trip Cancellation Insurance plan (https://tripinsurancestore.com/annual-trip-cancellation/) to be the best annual trip cancellation plan. Their customer service and claims are easy for us to work with. Steve Dasseos
  24. Hi cruz_happy, The Geo Blue Trekker (https://tripinsurancestore.com/geo-blue-trekker-travel-medical-plans/) doesn't have any trip interruption coverage. The Geo Blue Voyager (https://tripinsurancestore.com/geo-blue-voyager-travel-medical-plans/) does have some trip interruption coverage which is a Maximum benefit of $500 per Trip Period. If you wanted a plan with trip cancellation and trip interruption, look at the RoamRight plan (https://tripinsurancestore.com/annual-trip-cancellation/). > Also does GeoBlue annual only cover trips outside the USA? So a trip to Alaska would not fall under the GeoBlue annual policy then? Am I understanding what I'm reading correctly? Geo Blue would cover you for a trip to Alaska if you were outside the USA for any part of the trip, but there's no coverage in the USA. The RoamRight plan I mentioned above covers trip in the USA too. Steve Dasseos
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