Trip Cancellation Insurance
#3

Joined: Jan 2003
Posts: 12,943
Likes: 0
I like Travel Guard, because it covers pre-existing conditions, as long as you buy it within 10 (14?) days of purchasing your trip. It covers most all medical, evacuation costs, pre-paid tickets, etc. Also they give you handy stickers to put on your electronics, luggage passport etc, that say they they cover sending it back in case of loss.
You choose the amount of insurance based on the cost of your trip,so you only want to enough to cover the non-reundable items such as air, or pre-paid hotel or tour costs. Usually I'll see where the next jump up in rates occurs (do your first estimate, then keep adding $500 till the rate changes)and say my trip costs just below that. That way, if I incur added costs (say an additional flight) I have a cushion.
You choose the amount of insurance based on the cost of your trip,so you only want to enough to cover the non-reundable items such as air, or pre-paid hotel or tour costs. Usually I'll see where the next jump up in rates occurs (do your first estimate, then keep adding $500 till the rate changes)and say my trip costs just below that. That way, if I incur added costs (say an additional flight) I have a cushion.
#5

Joined: Jan 2003
Posts: 3,530
Likes: 0
check out www.insuremytrip.com. They have comparison charts.
#6
Joined: Jan 2003
Posts: 5,546
Likes: 0
Travel Guard (which we buy), offers many types of policies, and which need careful examination before you buy. 
http://linktrim.com/5qq

http://linktrim.com/5qq
#7
Joined: Mar 2006
Posts: 1,942
Likes: 0
I second travelgaurd and Access America (they do international coverage as well).
Though I have been lucky and not had to use it.
Travelguard lets you cancel up to two days before trip for any reason! you pay a bit extra for that, though. but it could be worth it!
Though I have been lucky and not had to use it.
Travelguard lets you cancel up to two days before trip for any reason! you pay a bit extra for that, though. but it could be worth it!
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#9

Joined: May 2004
Posts: 13,860
Likes: 0
I also have insurance through AmExp, but I buy the Travel Guard complete package which isn't that expensive. You never know who's going to pay up if you need to file a claim. I did file a claim through Travel Guard once and it was a headache all do to "Wording". But, they paid after I refiled. I cooled off, and still buy their insurance. what happened was, I was flying L.A.-S.F.Paris and due to fog in S.F. the flights weren't allowed to take off from L.A. By the time I got to S.F. the Paris flight had already left. So, I had to pay for the first (unused) hotel night in Paris. When I got home, I filed through Travel Guard. I needed a letter from the airline stating why I missed the connecting flight. Well, the airline stated that it was due to air traffic control tower problem...which the insurance doesn't pay for. It was due to the air traffic control tower not allowing the plane to take off, from L.A., due to BAD WEATHER in S.F. When I had the airline write up another letter rewording it and being CLEARER about what REALLY had happened...THEN I got my one amount night back for the unused room in Paris. It took a couple of months of persistence, though. That's why I saw to read the print and if you need to verify something make sure the language is right. I had no idea what the airline was going to write in the letter until after I had received it from them. Happy Travels!




