iamtrustworthy

Hi Takoma, Wow. 365 days is good. All the plans I know will cover to the insured trip cost if you cancel or interrupt your trip for a covered reason, but not all plans will. Some plans have wording that says (I'm paraphrasing) if any other insurance pays, then that plan won't pay. Steve Dasseos

Hi CJANDH, Are you old enough to be on Medicare? Steve Dasseos

Hi Po, I can't speak for my competitors, but we have all the policy wordings available to read and download anytime. Steve Dasseos

Hi Takoma, If you are going on a long trip it's likely that your Credit Card's trip insurance won't cover you. For example, the Chase Sapphire card states that if the trip is longer than 60 days there's no coverage for your trip. It's possible you could find a credit card that doesn't have a limit on the trip length. If so, make sure you see it in writing in the Terms and Conditions. In addition, if you want specific recommendations on the plan to get for your World Cruise, email or call us. We currently have 566 customers on the 2024 and future World Cruises. Steve Dasseos

Hi LodgeLady and travelfun77, 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: Steve Dasseos

Hi Po, Anyone who sells insurance of any kind needs to be insurance licensed in the States they will be offering insurance whether or not they actually sell a policy in that State. Plus, there are continuing education requirements in order to keep their license(s) active. In addition, if you are doing business as a company or DBA, the agency itself has to meet the same licensing requirements. Plus, the agent will need Errors and Omissions insurance and likely other business licenses. It's not cheap to get the licenses because some States require you to pay more for the priviledge of selling to its residents than other States. The licensing and other training costs is our biggest expense after payroll and our benefits. Steve Dasseos

Hi TxLnghrnz, 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: I hope this makes sense. Steve Dasseos

Hi, Thank You @LauraS and Cruise Critic for letting me do another Q & A. This is the 9th one I have done since December 2019 and they are fun to do. I'm Steve Dasseos. I started and own https://TripInsuranceStore.com. I also have a Wall Street Journal recommended Travel Insurance Blog at https://www.TripInsuranceStore.com/blog. I have over 540 pages on my websites. First, I think it’s important to get the issue of money out of the way up front. I do not pay, give any money, nor any other financial consideration to CruiseCritic or its related companies. And, the reverse is true: CruiseCritic or its related companies do not pay, give any money, nor any other financial consideration to me or TripInsuranceStore.com . Next, if you live in the USA and want to know how a Trip Cancellation or a Medical Travel Insurance plan works, ask me here. I do these Q & As to help people understand how Trip Cancellation or Travel Medical plans work. One reason why Trip Cancellation plans are complicated is that they combine some coverages of Life, Health and Accident insurance with some coverages of Property, Casualty and Liability insurance. Next, I don't sell all companies because I only offer a handful of pre-screened companies, but I know how the other plans work. In addition to what insurance companies offer, there are also plans from Travel Suppliers (cruise lines and tour companies). They are technically known as “pre-departure waiver” plans that include elements of insurance to pay claims for accident and sickness medical benefits and evacuation / medical transportation. I cover these differences in detail here: https://tripinsurancestore.com/travel-insurance-vs-travel-supplier-waiver-plans/ If you want specific information that requires personally identifiable or private information, neither CruiseCritic nor myself want you to post that information on a public forum. instead, you may email me at steve@tripinsurancestore.com or fill out this form: https://tripinsurancestore.com/travel-insurance-email-contact-form/ Some of my past Q & As are archived on Cruise Critic, too. Here are the links: Here's the Cruise Critic Q & A I did last Summer: https://boards.cruisecritic.com/forum/2648-qa-cruise-insurance-with-steve-dasseos-of-the-tripinsurancestorecom-summer-2023/ Here's the Cruise Critic Q & A I did in November & December 2022: https://boards.cruisecritic.com/forum/2606-qa-cruise-insurance-with-steve-dasseos-of-the-tripinsurancestorecom-november-december-2022-read-only/ Here's the Cruise Critic Q & A I did in January 2022: https://boards.cruisecritic.com/forum/2558-qa-cruise-insurance-with-steve-dasseos-of-the-tripinsurancestorecom-janfeb-22/ Here's the Cruise Critic Q & A I did in Dec 2020 and Jan 2021 that was re-opened in June 2021: https://boards.cruisecritic.com/forum/2500-qa-cruise-insurance-with-steve-dasseos-of-the-tripinsurancestorecom-read-only/ Here's the Cruise Critic Q & A I did in June 2020: https://boards.cruisecritic.com/forum/2484-qa-cruise-insurance-w-steve-dasseos-of-the-tripinsurancestorecom-june-2020-read-only/ I hope this Q & A helps you, Steve Dasseos

Hi klfrodo, Thank you for your kind words. I'm happy to do this, but I'll wait for the next Q & A I'll be doing here on Cruise Critic. Steve Dasseos

Hi Willwork4cruises, Which policy did you buy? Steve Dasseos

HI CDNPolar, I've seen lots of claim settlements where the customers were refunded their unused port fees and taxes by the cruise lines. And, I've been on NCL and Royal Caribbean cruises that missed ports so the cruise lines refunded the port fees and taxes into my onboard account as a credit. Steve Dasseos

Hi klfrodo, I haven't seen this on a shorter cruise, but if I do, I will write about it here. Something else that's odd about these cases is that all their travel agents are still maintaining they will get their unused port fees and taxes refunded. I'll update this thread if anyone does get these refunded. Steve Dasseos

Hi klfrodo, I've had more than a few customers on world cruises who have had trip interruptions and neither Royal Caribbean and Holland America are refunding port fees and taxes to my customers who returned home early. So far, no one has let me know if the cruise lines did anything different and all the claims are still being settled. Steve Dasseos

Hi Jersey42, Here's the link to where I talked about why 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: Steve Dasseos

Hi newcruzer2, > I MUST purchase celebrity (aon) insurance (must have cfar, put deposit jan 2023, cruise nov 2024, Not medicare age yet, so 25k medical should be enough). Is there some reason you want the CFAR? Steve Dasseos

Hi coldweather, Do you live in the USA? Steve Dasseos

Hi RobC1116, If you live in the USA, there are a few companies plans that will cover the value of your Future Travel or Cruise Credits that you received instead of a cash refund on a trip that was cancelled. And, not unsurprisingly, there are other potential traps that could affect your travel insurance coverage that come with using travel or cruise credits. Steve Dasseos

Hi happy cruzer, Geo Blue only covers you outside the USA, so the time to get it is when you are closer to your departure date. You would make the effective date the day before you leave home. Steve Dasseos

Hi MommaK2D2, I'm sorry to hear about your Dad. I hope his treatment cures him. If you haven't already done it, call whoever you bought your Generali plan from and make sure they help you with your claim. They would have received a commission for your sale and, in my opinion, they are ethically obligated to help you with your claim. Steve Dasseos

Hi mcrcruiser, I've answered questions on Cruise Critic since October 20, 2006. I am very thankful for the favor and kind words I have received on Cruise Critic. The editors have let me do eight month long Q & As in the last 5 years. Here's the Cruise Critic Q & A I did last Summer: https://boards.cruisecritic.com/forum/2648-qa-cruise-insurance-with-steve-dasseos-of-the-tripinsurancestorecom-summer-2023/ Here's the Cruise Critic Q & A I did in November & December 2022: https://boards.cruisecritic.com/forum/2606-qa-cruise-insurance-with-steve-dasseos-of-the-tripinsurancestorecom-november-december-2022-read-only/ Here's the Cruise Critic Q & A I did in January 2022: https://boards.cruisecritic.com/forum/2558-qa-cruise-insurance-with-steve-dasseos-of-the-tripinsurancestorecom-janfeb-22/ Here's the Cruise Critic Q & A I did in Dec 2020 and Jan 2021 that was re-opened in June 2021: https://boards.cruisecritic.com/forum/2500-qa-cruise-insurance-with-steve-dasseos-of-the-tripinsurancestorecom-read-only/ Here's the Cruise Critic Q & A I did in June 2020: https://boards.cruisecritic.com/forum/2484-qa-cruise-insurance-w-steve-dasseos-of-the-tripinsurancestorecom-june-2020-read-only/ I hope you find these useful. Steve Dasseos

Hi Mary229, Thank you for your kind words. All the annual trip cancellation plans all have limitations in their wording. In the Summer 2023 Q & A I did here on Cruise Critic, there is a thread called "Annual policy or singletrip?". Here's the link to the thread. Look at the last post where a CruiseCritic member wrote what he discovered about the Allianz plan: Steve Dasseos

Hi chloe77, > So are you saying that even though his allergy was diagnosed many years ago, since he hasn't had any of the listed issues during the lookback period, it wouldn't be considered a preexisting condition? That's correct, his allergy doesn't meet the definition of pre-existing medical condition when nothing has occured as defined by the plan's lookback period. > That's where I'm confused. It's preexisting, but nothing happened during the lookback period. His allergy would be considered preexisting for a medical, life or disablility insurance plan, but not necessarily for a Trip Cancellation plan. Steve Dasseos

Hi chloe77, I only know of a few plans that will pay your full Trip Cancellation or Trip Interruption claim for a covered reason if you average the trip cost between all of you. I wrote this on Feb 27, 2008 and it's still correct: How To Correctly Quote a Travel Insurance Plan https://tripinsurancestore.com/blog/how-to-correctly-quote-a-travel-insurance-plan/ I hope this helps you, Steve Dasseos

Hi chloe77, Food allergies and any other medical condition will be defined as a pre-existing medical conition if they existed as defined by the Lookback Period of the policy you buy. This page explains the Pre-Existing Medical Condition Lookback Period in a Trip Cancellation plan: https://tripinsurancestore.com/travel-insurance-pre-existing-medical-condition-lookback-period/ I hope this makes sense, Steve Dasseos

Hi ohmandi, I'm surprised to hear that this is the advice you received from TripInsuranceStore, since this advice was the opposite of what we tell people. Will you help me track down your phone call? My email is steve@tripinsurancestore.com and this is the information I will need from you (email it because this is private information): Your name, the phone number you called us from and the approximate date and time of your phone call. And, did you speak with Deanna or Kim? Thank you in advance, Steve Dasseos