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Travel Insurance
Posted on 9/12/19 at 6:28 am
Posted on 9/12/19 at 6:28 am
Learned a lesson yesterday morning. Wife and I were supposed to take off for Paris but she woke up quite ill and we have been in the ER instead of on the plane.
Most of the tour folks in Paris won’t allow us to even move the date of our respective tours. Basically, we lit money on fire.
So I guess I need to get some sort of insurance since we travel often to prevent this from happening in the future. It looks like there is some that you can buy by the trip and some that just covers every trip for the time the policy is active. Any recommendations?
Also- any recs on recovering any of our losses? Most everything was booked with our capital one card since there are no foreign fees and cash back.
Most of the tour folks in Paris won’t allow us to even move the date of our respective tours. Basically, we lit money on fire.
So I guess I need to get some sort of insurance since we travel often to prevent this from happening in the future. It looks like there is some that you can buy by the trip and some that just covers every trip for the time the policy is active. Any recommendations?
Also- any recs on recovering any of our losses? Most everything was booked with our capital one card since there are no foreign fees and cash back.
This post was edited on 9/12/19 at 6:29 am
11
Posted on 9/12/19 at 7:56 am to AugustaTiger
Check with you CC company and see what they can do, that's your best bet at this point. My Chase Sapphire Reserve allows for $20,000 worth of reimbursement per trip including things like tours.
Posted on 9/12/19 at 8:04 am to AugustaTiger
Travel insurance is roughly 7% of the cost of your trip. So just keep in mind, so that’s once every 14.2 trips you’d need it for the entire trip to make it worth it. Sometimes is certainly is, but life happens and you simply can’t insure everything perfectly.
The best thing to do is to have a couple things like hotels or flights that you can move around and then just take it on the chin if you ever do have something happen.
As said, some Credit Cards (many really) have some sort of insurance built in.
The best thing to do is to have a couple things like hotels or flights that you can move around and then just take it on the chin if you ever do have something happen.
As said, some Credit Cards (many really) have some sort of insurance built in.
This post was edited on 9/12/19 at 8:05 am
Posted on 9/12/19 at 8:07 am to AugustaTiger
My in-laws learned how great travel insurance is when they traveled for my wedding. Because my wedding was in Florida during what is technically hurricane season...I strongly recommended everyone get travel insurance just in case.
My MIL got violently ill on the first flight....had to be escorted off the plane at their layover stop by medics. They were stuck in their layover city (Houston) and put up in the airport hotel and took taxis to an urgent care to get her patches so she could fly to the final destination for our wedding (she has equilibrium/motion sickness issues) and fly home a few days later.
They missed two nights of the condo they were supposed to stay in. Plus extra expenses of the airport hotel, taxis, urgent care, flight change fees, etc.
They kept receipts for everything and were reimbursed for all of it by the travel insurance company they went with (don't know name).
My MIL got violently ill on the first flight....had to be escorted off the plane at their layover stop by medics. They were stuck in their layover city (Houston) and put up in the airport hotel and took taxis to an urgent care to get her patches so she could fly to the final destination for our wedding (she has equilibrium/motion sickness issues) and fly home a few days later.
They missed two nights of the condo they were supposed to stay in. Plus extra expenses of the airport hotel, taxis, urgent care, flight change fees, etc.
They kept receipts for everything and were reimbursed for all of it by the travel insurance company they went with (don't know name).
This post was edited on 9/12/19 at 8:13 am
Posted on 9/12/19 at 8:25 am to lsunurse
I bought insurance two days ago for our flight to Orlando. The cost was $47 on roughly $1,650 worth of tickets. The max payout is $400/traveler. Probably a waste of $47 but you never know.
Posted on 9/12/19 at 8:43 am to AugustaTiger
Check out World Nomads.
Posted on 9/12/19 at 9:59 am to AugustaTiger
quote:
So I guess I need to get some sort of insurance since we travel often to prevent this from happening in the future. It looks like there is some that you can buy by the trip and some that just covers every trip for the time the policy is active. Any recommendations?
As a previous poster said, find a travel benefits credit card w/built in insurance and use it to book your travel. It's the easiest way to ensure you are covered. Sorry about your wife's illness, and hope she recovers quickly.
Posted on 9/12/19 at 10:06 am to AugustaTiger
Dude real surprised you’ve not done this every time you book. I never turn down the insurance. I’ve used it twice on big budget trips . Life gets in the way at the worst times. Good luck
Posted on 9/12/19 at 11:35 am to AugustaTiger
Do your research. A lot of travel insurance companies aren't very good and don't pay claims. Article
But like a previous poster said, check with your CC Company. i have the Chase sapphire Reserve that provides good insurance.
But like a previous poster said, check with your CC Company. i have the Chase sapphire Reserve that provides good insurance.
Posted on 9/12/19 at 12:14 pm to AugustaTiger
quote:
So I guess I need to get some sort of insurance
A friend, who travels abroad frequently, recommended Squaremouth (odd name, I know) to compare travel insurance options.
We used it to buy a policy from a Berkshire Hathaway Co. for a trip to Europe this summer.
As far as I know he has never had to make a claim.
quote:
Squaremouth Voted the best travel insurance review and comparison site. Squaremouth helps travelers compare policies ...
You can customize the policy to buy the type of coverage you need, at least to some extent. Just Google: Squaremouth.
Posted on 9/12/19 at 1:57 pm to AugustaTiger
We often buy it when we book our flights on line through Expedia. The offer for it comes up automatically.
Posted on 9/12/19 at 2:54 pm to AugustaTiger
I’m sorry to hear this- wasting money is a terrible feeling (esp. on top of being sick). I think AmEx offers some great travel insurance packages- that’s who I usually go with. The one caveat is that they don’t offer enough medical evacuation funds unless you buy a more expensive package. If you do want cancellation protection, however, the more expensive packages will be what you’re looking for anyway. As far as getting your money back on this trip, double check everything for cancellation dates (viator usually lets you cancel within 24 hours, some hotels will only charge for the first night if you cancel a no cancellation booking).
Posted on 9/12/19 at 2:57 pm to Zappas Stache
quote:
Do your research. A lot of travel insurance companies aren't very good and don't pay claims
The vast majority of issues with claims that I’ve seen is that people buy travel insurance expecting it to cover any and every issue as well as a multitude of items that aren’t travel related.
For example, most travel insurance doesn’t cover pre existing conditions. Some do if you purchase the insurance at the time your travel is booked. So like if you buy plane tickets while you have cancer you might be covered if you buy the insurance at the same time as booking the tickets.
Sure, travel insurance is certainly insurance. Sometimes life happens. Just because there was insurance available and you didn’t choose it as an option, doesn’t mean in the long run of life you should next time either.
Posted on 9/12/19 at 9:20 pm to baldona
Called Capital One and they basically told me to kick rocks...figures.
Never have bought the protection before when booking flights. Does buying that extend passed the flight? We booked the tickets from Scotts Cheap Flights so burning $580 on flights wasn't as bad as the apartment deposit and private guides for the Louvre/Normandy Beaches and Mont Saint Michel...now the wife is wanting to reschedule the trip for me later in the year but I we've already lit the money on fire so I really don't want to go.
A few of those travel insurances are really expensive. Ran one for my wife and I for our upcoming trip to Argentina- it was over $250 for us. I thought that was strange given our age. Must have a lot of claims.
And statistically, how many times will we need travel insurance. I will probably buy it every time now and never use it.
Never have bought the protection before when booking flights. Does buying that extend passed the flight? We booked the tickets from Scotts Cheap Flights so burning $580 on flights wasn't as bad as the apartment deposit and private guides for the Louvre/Normandy Beaches and Mont Saint Michel...now the wife is wanting to reschedule the trip for me later in the year but I we've already lit the money on fire so I really don't want to go.
A few of those travel insurances are really expensive. Ran one for my wife and I for our upcoming trip to Argentina- it was over $250 for us. I thought that was strange given our age. Must have a lot of claims.
And statistically, how many times will we need travel insurance. I will probably buy it every time now and never use it.
This post was edited on 9/12/19 at 9:24 pm
Posted on 9/12/19 at 11:03 pm to AugustaTiger
I agree on using World Nomads. It is the most reputable. The price will vary on the region you are traveling to. My 2.5 weeks in Thailand were about $160, which is definitely worth it.
Posted on 9/13/19 at 5:42 am to AugustaTiger
Before you buy travel ins, look at the Chase Sapphire Reserve card. It offers travel insurance on card purchases, and the net fee ($450 annually, but you get $300 back as a travel credit) is $150.
Posted on 9/13/19 at 6:44 am to hungryone
quote:
Before you buy travel ins, look at the Chase Sapphire Reserve card. It offers travel insurance on card purchases, and the net fee ($450 annually, but you get $300 back as a travel credit) is $150.
Honestly asking, have you or anyone you known used the insurance for something like this? I’m always curious to hear personal stories.
I’ve used the credit card rental car insurance on a rental in England, someone side swiped our car and I had no idea until the morning I turned it in (before I turned it in). But it was incredibly easy process, and I got my $1100 refunded in about 30 days.
This post was edited on 9/13/19 at 6:45 am
Posted on 9/13/19 at 11:29 am to redfish99
quote:
Dude real surprised you’ve not done this every time you book.
Honestly I consider it to be a waste of money. The travel interruption part anyway. I do insure for medical for remote overseas trips as that can be VERY expensive if air evacuation is required. But I've never covered for trip interruption and have never needed it. At this point I'd have to have several major claims to match what I would have paid in insurance. I only insure for catastrophic loss, for anything. So no extended warranties either.
Posted on 9/13/19 at 1:26 pm to Tigris
quote:
At this point I'd have to have several major claims to match what I would have paid in insurance. I only insure for catastrophic loss, for anything. So no extended warranties either.
Exactly right. Some people will push insurance insurance insurance and not realize they pay so much in insurance they could self insure for much cheaper.
I haven’t had a major travel issue in many years. Now if you are older and it’s a rare trip, sure probably worth it.
Unless it’s a last minute or cheap flight, like I just booked a one way flight for $109 that’s non refundable. It was $35 extra to get a change able ticket. That’s over 30%, no way it’s worth it. But it’s all about odds. You can’t insure everything in life and make out better then not buying insurance.
Posted on 9/13/19 at 10:45 pm to hungryone
I use the CSR for travel insurance also. However, it doesn't look like it covers missed connections. I've used SquareMouth, which allows you to search a bunch of travel insurance companies,policies, and coverages. I have an upcoming trip that has a tight connection on separate tickets. So, depending on the price, I may consider buying additional travel insurance that includes missed connections. Although I've bought travel insurance on occasion in the past, I've never made a claim before.
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