Travel Insurance and Epidemics

[b_cruise]

Question that has me confused.  
Most insurance would cover a cancel of a cruise if advisory is issued but not refund if the cruise is offering a credit. So if airline gives a credit but has an expiry date of September and you can not use it by September,  would insurance give refund ? 

[Babr]

I’ve been trying to find the answer to this question as well.  Yesterday I read the Benefits Guide to my Chase Sapphire card. The language indicated that it would cover any unused non-refundable expenses including air. It would not cover any tickets that were voluntarily surrendered before expiration. 
 

That makes me think that it would cover any unused credit held to expiration. I have not called to ask for clarification because I do not have any travel planned at present. I can’t speak to what other travel insurance would cover. It is not clear in the few policies I have looked at.

 

The fact remains that a credit for air fare is a loss if you can’t use it. Or a cruise, for that matter.

 

The best thing to do is call the insurer. If I were buying insurance today, I would certainly ask especially if you have to insure all costs to get pre-existing condition waiver.

 

 

[b_cruise]

26 minutes ago, Babr said:

I’ve been trying to find the answer to this question as well.  Yesterday I read the Benefits Guide to my Chase Sapphire card. The language indicated that it would cover any unused non-refundable expenses including air. It would not cover any tickets that were voluntarily surrendered before expiration. 
 

That makes me think that it would cover any unused credit held to expiration. I have not called to ask for clarification because I do not have any travel planned at present. I can’t speak to what other travel insurance would cover. It is not clear in the few policies I have looked at.

 

The fact remains that a credit for air fare is a loss if you can’t use it. Or a cruise, for that matter.

 

The best thing to do is call the insurer. If I were buying insurance today, I would certainly ask especially if you have to insure all costs to get pre-existing condition waiver.

 

 

I think u are correct. Insurers are a business so an expiration date is not their issue as long as we are issued a credit, I’m sure insurances are off the hook to reimburse. Technically, it wouldn’t be considered non refundable I guess - southwest air issues credits but they expire from time u booked - 1 year -ugh

[Babr]

Most people buy non-refundable air because it is less expensive. But airlines routinely charge a change fee then give the rest as a credit to be used in one year. Technically it is still a non-refundable fare. If insurance covers unused, non-refundable expenses, then an expired credit should qualify for reimbursement. The exception was tickets voluntarily surrendered before expiration. I don’t know why anyone would do that unless they were getting a cash refund.

 

At least, that is my logic, but it doesn’t mean that is the way insurance sees it.

[b_cruise]

Ya Southwest has it one year from the date you purchased.  So if I cancelled tomorrow, it expires September. And u have to complete travel by September so I would not use this air. I would use it for next March though