iamtrustworthy

It didn't work for today. You got me thinking and I'm gathering them by Sunday.

Hi klfrodo, I didn't forget about you. I'm working on coming up with the top 2 or 3 because there are more. I'll write something by Saturday afternoon. Steve Dasseos

Hi Couple4funwithithers, Thanks for writing all these details. > I assume the cruise line will not change embarkation or disembarkation ports but the itinerary. They would if a hurricane was headed towards an embarkation and disembarkation port. > We use future cruise credits I need some more information: - What do you think all your per person prepaid non-refundable trip costs including airfare, in cash and not future cruise or travel credits will be? - What does your airline's Contract of Carriage state will happen if they are unable to get you to your destination on time? Steve Dasseos

Hi luckyinpa, I haven't found an Annual Trip Cancellation plan that is good enough for me to sell due to their plan limitations, loopholes and with what's needed to cover the changes in travel since Covid started. Look at this this thread on my CruiseCritic.com TripInsuranceStore.com - Summer 2023 Q&A for more information: Steve Dasseos

Hi catspaw1, I'm a Costco member, too. Did Costco give you a copy of the Celebrity invoice so you were able to insure the correct per person trip cost? I don't know why, but some travel agents prevent their customers from seeing the travel supplier's invoice. This causes many people to not insure their correct per person trip costs which means that if they have a cancellation or interruption claim they don't get all their money back. Steve Dasseos

Hi bcruisin2alaska, I'll need personally identifiable information from you to tell you the exact policy to get. I don't want you to reveal that here. That said, when did / will you pay the first payment toward any travel arrangements on your trip? And, is the $1550 cost per person or a total for all the travelers? Steve Dasseos

Hi Gail & Marty, These are the drawback: - Get a more stripped-down plan (but you give up important coverages), - Move to a different State that's not Virginia or Washington (but's it not always worth moving) or - Take less expensive trips As for the difference in the prices for large trip costs, if the trip length is a lot more than 31 days long, then the relative price of a policy has less of a price differential as the trip cost increase versus a trip of less than 31 days long. Steve Dasseos

Hi 4catlover, No, you wouldn't need to get the cancel for any reason, too. Also, I have 3 other plans that include similar Hurricane coverage, but the FlexiPax is probably the better priced of the choices. Steve Dasseos

Hi 2InfinityNBeyond, I hope your recovery goes well. Don't buy any insurance if you cannot travel today. The insured traveler (you) must be able to travel / take a trip on the day you buy your travel insurance. It doesn’t have to be the exact trip you are insuring. Your doctor has to state that you could leave today on a trip. It doesn’t matter if your doctor says you’ll be able to travel later. You will not be covered if you buy travel insurance today. If you are unsure, ask your doctor if you can travel today. Here's more information: https://tripinsurancestore.com/what-is-medically-stable/ Steve Dasseos

Hi ontheweb, You can lower the cost of a Trip Cancellation plan but there are drawbacks. The only legal ways to lower the cost of the insurance are to: Get a more stripped-down plan (but you give up important coverages), Move to a different State that's not Virginia or Washington (but's it not always worth moving) or Take less expensive trips Steve Dasseos

Hi 4catlover, Yes, but only for a trip cancellation and not postponing or rescheduling a trip. You would have to have a plan that includes the 75% “Cancel For Any Reason” (CFAR) coverage. Here's more information: https://tripinsurancestore.com/cancel-for-any-reason-travel-insurance-plans/ Steve Dasseos

Hi rizello, Chase Sapphire Preferred's exclusion of pre-existing conditions includes you, a traveling companion or a non-traveling family member. Steve Dasseos

Hi GenXer85, > some nutty stuff with my company Are they already hinting at or talking about potential layoffs? Steve Dasseos

Hi klfrodo, What does "SMH" mean? Steve

Hi travelingla, I appreciate your kind words. You're able to buy insurance for the seven night cruise but you would still insure the entire length of the trip. Nearly all the plans I have are the same price for trip of up to 30 days long, so adding on the 10 days isn't going to affect the price. You also wouldn't need to insure any of the value of the land trip. If you cut your trip short due to a covered reason (ie - you get hit by a cement truck) and returned home early, then the travel insurance would reimburse you the money you lost on the cruise. Steve Dasseos

Hi SpokanChik, I'd pick USA, but I don't know any plans that would penalize you if you selected USA or Canada. Steve Dasseos

Hi Gail & Marty sailing away, Yes. You would use the amount you paid for the gift cards as your insurable trip cost. What you also will want to find out is if there are any scenrios where you will receive a refund back to the gift cards if you cancelled your trip. Steve Dasseos

You're welcome.

Hi horseymike, Thanks for the feedback. Steve Dasseos

Hi Ashland, Sorry about that. > Do we need to also purchase cruiseline insurance for any onboard medical expenses? No. And, your Advantage Plan may have non-USA coverage for when you are out of the network. It's worth finding out. Steve Dasseos

Hi donanddiane, The names of the insurance companies are listed in the Certificates of Insurance and vary from State to State. I have no idea what all their financial ratings are and al the rating agencies that are involved. Steve Dasseos

Hi CarolinaKathy, It's likely that your mom has something that is defined as a pre-existing medical condition that could affect your trip. I don't want to get into your personal information on a public forum, so if you want to discuss this further and also find out about your choices for a trip cancellation plan, would you either email me at steve@tripinsurancestore.com or call us on 1-888-407-3854 or 1-816-282-6858? Steve Dasseos

Hi kand64shark, There is only one Lookback Period which is the number of days prior to the purchase of the policy. Any new diagnosis or medication change does not create a pre-existing medical condition exclusion because the policy was already in effect. Steve Dasseos

What about your non-traveling family members?

Hi Laura, No. The Mother has no Trip Cancellation coverage. Steve Dasseos