Avoid these common travel insurance mistakes on your next trip

When I think of travel insurance mistakes, I’m reminded of Carol Buckley’s case. She recently contacted me about her daughter, who had booked two airline tickets from Boston to London, purchasing the airline-recommended insurance.

Here’s why it’s important to read the terms of your trip insurance policy

When John Joseph and his wife planned a trip to Universal Studios, they thought it might be a good idea to purchase travel insurance. After all, they were paying a great deal of money for their trip, and they wanted to make sure they could get it back if they weren’t able to go. They purchased a “cancel-for-any-reason” policy through AAA Travel for their Universal Vacation Package.

How to get your policy to cover you — special circumstances and all

“I’m at a loss,” Bill Dunn wrote to me recently. “I’m looking for advice on how to appeal a decision against my travel insurance claim.”

The problem: Dunn had bought travel insurance for a recent trip to see his nephew get married. Six weeks before his departure, he lost his job.

What if your circumstances change during your trip?

I’m a scuba diver. An avid scuba diver.

But does my passion for being underwater line up with my travel insurance policy? Kind of. I have an annual policy through Allianz Travel Insurance. It covers scuba diving but it excludes “all extreme, high risk sports.”

What’s not covered by travel insurance?

If I’ve seen Claire Richardson’s question once, I’ve seen it a hundred times. Maybe even a thousand times.

“Before I purchase plane tickets, I need to know which company to buy insurance from,” she says. “Is there any other issue I should pay attention to?”

Why doesn’t travel insurance cover dad’s illness?

When Jessica Kamzik’s father was diagnosed with stomach cancer last summer, there was no question about what she had to do. Dad’s prognosis was “grave” — the doctors said he probably wouldn’t make it to the holidays — and, “as any loving daughter would do, I immediately cancelled our vacation to stay closer to him,” she says.

Travel insurance policy claim denied for vaccine cancellation

Richard Effress though he had a perfectly legitimate reason for canceling part of his trip to Africa with his mother: new requirement that travelers entering South Africa needed a yellow fever vaccine. He was certain his travel insurance policy would cover the change.

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