Travel Insurance?

[RlyLvn]

I am having difficulty finding travel insurance that specifically covers accommodation, food etc for Trip Interruption due to Covid or any other illness. Recently we had to quarantine for 2 nights at a Hotel after my husband had a false positive Covid Test on the ship. Fortunately we were able to fly home after 2 negative tests. The Insurance had a large “trip interruption” amount but only covered our flight home and nothing else. 
We have several more trips planned. After reading the fine print on many policies, learned my lesson, I am having difficulty finding that specific coverage. 
 

I very much appreciate any feedback on this. 
 

Thanks,

D

[GeezerCouple]

5 minutes ago, RlyLvn said:

I am having difficulty finding travel insurance that specifically covers accommodation, food etc for Trip Interruption due to Covid or any other illness. Recently we had to quarantine for 2 nights at a Hotel after my husband had a false positive Covid Test on the ship. Fortunately we were able to fly home after 2 negative tests. The Insurance had a large “trip interruption” amount but only covered our flight home and nothing else. 
We have several more trips planned. After reading the fine print on many policies, learned my lesson, I am having difficulty finding that specific coverage. 
 

I very much appreciate any feedback on this. 
 

Thanks,

D

 

You may want to post this in the Travel Insurance section of CC:

 

https://boards.cruisecritic.com/forum/499-cruisetravel-insurance/

 

And you might want to browse there, as many others have similar questions.

 

We use a travel insurance broker,

www.TripInsuranceStore.com

I suggest you CALL them (don't rely upon the short online policy summaries; the fine print really matters) and ask them specifically about a policy that would cover your concerns.

GC

[VermeulT]

Depending on the frequency of your travels - perhaps look into annual coverage instead of per trip.

[klfrodo]

13 hours ago, RlyLvn said:

 Recently we had to quarantine for 2 nights at a Hotel after my husband had a false positive Covid Test on the ship. Fortunately we were able to fly home after 2 negative tests. The Insurance had a large “trip interruption” amount but only covered our flight home and nothing else. 

Did you file for the proper definition? Was this a Trip Interruption? Or was this a Trip Delay? and would that difference have made any differences in what the insurance reimbursed.

 

I don't know the nuances. Just asking for a friend.

Edited April 15, 2022 by klfrodo

[Jersey42]

13 hours ago, VermeulT said:

Depending on the frequency of your travels - perhaps look into annual coverage instead of per trip.

Do you have an annual comprehensive travel policy that you are happy with?  Which one?  If not, can you tell me about any policies that you think are worth looking at?

 

We have yet to find an annual comprehensive policy that works for us.  We carry an annual travel medical/evac policy (GeoBlue Trekker) that meets our needs. Most annual comprehensive plans have too little medical coverage (i.e. $50K or less) and some do not offer a waiver of pre-existing conditions. Most have annual cancelation and interruption caps of $10K or less. I know one plan that offers better medical coverage (but not as good as GeoBlue). With that plan, if you want cancelation/interruption coverage you must purchase separate add-ons for each trip.  If you are going to purchase the add-ons, it is cheaper to just buy separate per trip policies with better coverage.

 

Companies I have looked at include: Arch RoamRight, Allianz, Travel Guard, Nationwide, Travel Insured, Seven Corners and Tarwick Intl.

[Babr]

All the comprehensive travel policies I’ve seen have a travel delay provision which is the part that would pay for hotel, meals, and miscellaneous expenses if you are delayed at departure or returning home.

 

More information is needed to determine why this claim was not paid. You also say travel interruption paid for only air fare. It should have also covered any unused prepaid nonrefundable expenses such as the remaining days of your cruise. Did the cruise line provide compensation? 

[VermeulT]

1 hour ago, Jersey42 said:

Do you have an annual comprehensive travel policy that you are happy with?  Which one?  If not, can you tell me about any policies that you think are worth looking at?

I do not.  A TA friend of mine mentioned it after I almost missed my 4/3 Rotterdam cruise due to flight issues.