labates629 Posted December 23, 2022 #1 Share Posted December 23, 2022 I'm struggling to understand coverage of Trip cancellation (not CFAR insurance). Does Cancellation coverage kick in we have to cancel a trip due to a parent's death (or being close to death). My FIL is in remission from AML, but the concern is if it returns and we are unable to take a trip would the regular cancellation clause cover this? I'm a few days too late to purchase CFAR insurance unfortunately. Appreciate any insight! Link to comment Share on other sites More sharing options...
klfrodo Posted December 23, 2022 #2 Share Posted December 23, 2022 Here's a link to Steve's page where he explains Trip Cancellation Insurance and Trip Interruption along with various other issues. Get the Best Trip Insurance Details, Advice (tripinsurancestore.com) I would recommend that you call Steve though and discuss this. My concern would be that your FIL's issues may fall under pre-existing conditions. However, I do believe that Steve may have a policy that can help with this concern. 1 Link to comment Share on other sites More sharing options...
Babr Posted December 23, 2022 #3 Share Posted December 23, 2022 If you are too late for CFAR, you are also likely to be too late for most policies that allow a pre-existing conditions waiver. Both provisions fall in the same time-sensitive window following initial deposit. There are some policies that allow a waiver if purchased by final payment, but you need to ask specifically how that applies to family members not traveling with you. Call Steve or one of his associates. 1 Link to comment Share on other sites More sharing options...
iamtrustworthy Posted December 23, 2022 #4 Share Posted December 23, 2022 5 hours ago, labates629 said: I'm struggling to understand coverage of Trip cancellation (not CFAR insurance). Does Cancellation coverage kick in we have to cancel a trip due to a parent's death (or being close to death). My FIL is in remission from AML, but the concern is if it returns and we are unable to take a trip would the regular cancellation clause cover this? I'm a few days too late to purchase CFAR insurance unfortunately. Appreciate any insight! Hi labates629, Depending on the plan you bought, the Pre-Existing Medical Condition Lookback Period might include your non-traveling family members. Most plans do include them, though over half my plans always cover Trip Cancellation and Interruption for pre-existing medical conditions of your non-traveling family members. Which exact plan did you buy? Steve Dasseos Link to comment Share on other sites More sharing options...
labates629 Posted December 24, 2022 Author #5 Share Posted December 24, 2022 18 hours ago, iamtrustworthy said: Hi labates629, Depending on the plan you bought, the Pre-Existing Medical Condition Lookback Period might include your non-traveling family members. Most plans do include them, though over half my plans always cover Trip Cancellation and Interruption for pre-existing medical conditions of your non-traveling family members. Which exact plan did you buy? Steve Dasseos Thanks Steve, I talked to Deanna and she advised me on a plan that did not look back for non traveling family members! I purchased that policy for my Alaska trip plus I was able to buy a policy including full CFAR coverage for an Antarctica Jan 2024 because deposit was only paid yesterday. I’m still a little confused as to whether I really need CFAR though, as death of a family member plus a lot of other scenarios seems to be covered under regular trip cancellation. I suppose it’s useful if you just ‘change your mind’ or some other unforeseen circumstances/reason. Appreciate the help! Link to comment Share on other sites More sharing options...
iamtrustworthy Posted December 26, 2022 #6 Share Posted December 26, 2022 On 12/24/2022 at 8:36 AM, labates629 said: Thanks Steve, I talked to Deanna and she advised me on a plan that did not look back for non traveling family members! I purchased that policy for my Alaska trip plus I was able to buy a policy including full CFAR coverage for an Antarctica Jan 2024 because deposit was only paid yesterday. I’m still a little confused as to whether I really need CFAR though, as death of a family member plus a lot of other scenarios seems to be covered under regular trip cancellation. I suppose it’s useful if you just ‘change your mind’ or some other unforeseen circumstances/reason. Appreciate the help! Hi labates629, > I’m still a little confused as to whether I really need CFAR though Call us at 1-888-407-3854 when you have a chance and we can discuss this. Not as many people need CFAR for those reasons. You have a Free Look period to cancel for a refund. I'm open today. Steve Dasseos Link to comment Share on other sites More sharing options...
Recommended Posts