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.
Travel insurance doesn’t always work. There, I said it.
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.
Phyllis Occhionero and Erna Frances thought a well-deserved and hassle-free Princess cruise from Fort Lauderdale, Fla., to their home city of Seal Beach, near Los Angeles, Calif., was just what the doctor ordered.
Your flight has been canceled. Your cruise ship isn’t sailing. You’re sick and can’t travel. But your travel company won’t issue you a refund for your fares. Many of our readers will respond to your story with: “You should have purchased travel insurance.” Are they right?
“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.
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.”
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?”
Deanna Cotton is planning a trip to Israel soon. She wants to hedge her bets, and hopes travel insurance will help.
Rachel Gibson needs travel insurance. But her circumstances are special.
“We’re waiting to adopt a newborn baby,” she says. “The timing is uncertain.”
Every day, travelers try to match their itineraries and needs to an insurance policy. Often, it’s an easy fit — but not always.
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.
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.