On sale prices of 2 & 3 passenger how is the cost dtermined

[dwardlaw]

We are saling with 3 in a cabin and the 2nd & 3rd prices are discounted prices (so they say)

but we are spliting the costs evenly 3 ways.

If the 3rd person on the invoice gets sick and can't travel could we claim the equal amount to recover the costs or would it only be what the invoice amount states.

I hope this make sense

[klfrodo]

Invoice amount.

Unofficial side agreements are between the parties involved

[PartyAllDaTyme]

If there is specific pricing for individuals, as in the case of a cruise cabin, we go by what the invoice says. (If it's arrangements such as a condo rental where only one name is on the rental agreement, the occupants can divide the cost any way they want, but would need to show documentation such as a cancelled check made out to the person who paid for the accomodations.)

 

For the cruise, if Person 1 paid $800, Person 2 paid $800, Person 3 paid $500, Person 3 would only get back $500 if he/she cancelled. If you averaged it out to $700 per person and if all cancelled, Person 1 would get back $700, Person 2 would get back $700, Person 3 would get back $500.

 

I work for a major travel insurance company.

[iamtrustworthy]

We are saling with 3 in a cabin and the 2nd & 3rd prices are discounted prices (so they say)

but we are spliting the costs evenly 3 ways.

If the 3rd person on the invoice gets sick and can't travel could we claim the equal amount to recover the costs or would it only be what the invoice amount states.

I hope this make sense

 

Hi dwardlaw,

 

You can't average the trip cost between all of you. If you do this it's likely you will under-insure the first person. And, if you wanted to cover a pre-existing condition, it would disqualify you because you'd end up under-insuring your trip cost (thus breaking most plans’ rules).

 

You might say, “isn’t the claim 100% of total trip cost?”. The answer’s no, because when you file a trip cancellation or interruption claim the trip insurance company will want proof of each individual’s per person trip cost.

 

The trip insurance company will then pay a maximum of up to each person’s insured amount. Since you have a cruise where the first person pays more that the 2nd & 3rd, you have to insure the trip on a per person basis.

 

I hope this helps,

 

Steve