Traveltalkonline.com Forums


SXM Cruise Schedule TTOL Sponsors SXM Travel Calendar
Forum Statistics
Forums39
Topics31,563
Posts242,494
Members25,552
Most Online2,218
Jan 21st, 2020
Top Posters(30 Days)
GaKaye 63
Kennys 54
Fred 49
RonDon 40
Member Spotlight
jazzgal
jazzgal
Portland, OR
Posts: 3,880
Joined: June 2009
Show All Member Profiles 
Today's Birthdays
BillandElaine, Cincinnati_Kid
Who's Online Now
46 registered members (bagsarepacked, Latadjust, ScottW, John, mprevo, GeorgeC1, sugarae, Tonythepilot, Chargergirl, Buddyhog, jrw, 706jim, Sknau, Fred, LSmayda, SoCalGal, WineMaker, 3dot14, PnPinNC, Ackman, marybeth, Cathyg, reddoglady, Kegoangoango, Kevin_B, doctorj, bailau, Mountaineer, SXMbeacher, Kennys, Mikel, Manpot, Maranjo, Wayne in Maine, xrayman67, 11 invisible), 175 guests, and 412 spiders.
Key: Admin, Global Mod, Mod
Previous Thread
Next Thread
Print Thread
Rate Thread
Trip Insurance? #139650
09/04/2017 10:43 AM
09/04/2017 10:43 AM
Joined: Feb 2010
Posts: 169
Columbia, SC, USA
DandM29212 Offline OP
Traveler
DandM29212  Offline OP
Traveler
Joined: Feb 2010
Posts: 169
Columbia, SC, USA
I know, stupid question here. I've never gotten trip insurance before and know little about it. We have trips planned and booked for Christmas and Spring Break. With the hurricane coming, does trip insurance offer any coverage in case the lodging places are destroyed or too badly damaged for rental usage?



[Linked Image]
SXM Sponsors
Re: Trip Insurance? [Re: DandM29212] #139651
09/04/2017 10:47 AM
09/04/2017 10:47 AM
Joined: Apr 2001
Posts: 13,139
Brookfield, CT.
pat Offline
Traveler
pat  Offline
Traveler
Joined: Apr 2001
Posts: 13,139
Brookfield, CT.
I hate to think in those terms, but depending on what kind of insurance you've purchased, if the planes don't fly or the properties aren't habitable you should have recourse through them, or at least, that's my understanding with what we purchased. <img src="http://www.traveltalkonline.com/forums/images/graemlins/handshake.gif" alt="" /> <img src="http://www.traveltalkonline.com/forums/images/graemlins/handshake.gif" alt="" />


Respectfully,

pat



"Always keep your words soft and sweet, just in case you have to eat
them."
Re: Trip Insurance? [Re: DandM29212] #139652
09/04/2017 10:55 AM
09/04/2017 10:55 AM
Joined: Nov 2009
Posts: 3,047
Maryland/DC Metro
BeachKitten Offline
Traveler
BeachKitten  Offline
Traveler
Joined: Nov 2009
Posts: 3,047
Maryland/DC Metro
Last night we also began shopping for Trip Insurance for our trip in 52 days. This season has been worrisome.
Eric and Carol have good resources here through sponsors:
http://www.traveltalkonline.com/docs/sponsors.html

In about 10 years we will probably look to add medical evac ins too.


"It is good to do nothing all day, and then to rest" wink
Re: Trip Insurance? [Re: pat] #139653
09/04/2017 11:01 AM
09/04/2017 11:01 AM
Joined: Dec 2010
Posts: 340
Detroit
bluejacket Offline
Traveler
bluejacket  Offline
Traveler
Joined: Dec 2010
Posts: 340
Detroit
Try TTOL sponsor insuremytrip.com. They'll give you an instant quote and provide all the details on what is covered. We used them twice now, including our upcoming Christmas trip. We also use skymed. It might seem like overkill but we choose a package from insure my trip with limited med coverage and then get awesome med coverage from skymed.

Re: Trip Insurance? [Re: bluejacket] #139654
09/04/2017 11:40 AM
09/04/2017 11:40 AM
Joined: Feb 2010
Posts: 169
Columbia, SC, USA
DandM29212 Offline OP
Traveler
DandM29212  Offline OP
Traveler
Joined: Feb 2010
Posts: 169
Columbia, SC, USA
Oh well, InsureMyTrip states that trip insurance coverage isn't payable once a hurricane becomes a named storm - at least, they don't offer any policies for any of their companies in that situation. Makes sense, just hoped there was something somewhere.



[Linked Image]
Re: Trip Insurance? [Re: DandM29212] #139655
09/04/2017 11:45 AM
09/04/2017 11:45 AM
Joined: May 2008
Posts: 481
Central Coast, CA
C
cruzer Offline
Traveler
cruzer  Offline
Traveler
C
Joined: May 2008
Posts: 481
Central Coast, CA
Maybe I'm misunderstanding you, but companies do pay for named storms/hurricanes so long as you buy coverage prior them being named.

Re: Trip Insurance? [Re: DandM29212] #139656
09/05/2017 07:37 AM
09/05/2017 07:37 AM
Joined: Feb 2001
Posts: 531
Novi, Michigan
G
GaryV Offline
Traveler
GaryV  Offline
Traveler
G
Joined: Feb 2001
Posts: 531
Novi, Michigan
Insuremytrip has a wonderful section/tutorial about why you would want to purchase trip insurance. It's worth reading. Trip insurance does not cover recoverable expenses. So, if you want to cover your flight and hotel, then it "might" not be worth the expense, since you can usually rebook a flight, even if it is not cancellable. Plus most hotels have a cancellation window. We never got trip insurance until I turned 65, then it became mandatory since Medicare does not cover non-American areas.


[color:"blue"]Gary V [/color]


[Linked Image]
Re: Trip Insurance? [Re: GaryV] #139657
09/05/2017 07:44 AM
09/05/2017 07:44 AM
Joined: Oct 2000
Posts: 12,459
Staten Island
Bobcat Offline
Traveler
Bobcat  Offline
Traveler
Joined: Oct 2000
Posts: 12,459
Staten Island
On a personal note to Gary V and anyone of interest my Medicare Advantage plan covers me for emergencies worldwide, you may wish to look into these plans as coverage for outside the USA may vary from plan to plan.

Click on this link and enter your zip code to see all of the plans offered in your county.


[Linked Image]
Re: Trip Insurance? [Re: DandM29212] #139658
09/05/2017 08:54 AM
09/05/2017 08:54 AM
Joined: Sep 2010
Posts: 913
N CENT COMMONWEALTH OF MA
SXMSAMMY Offline
Traveler
SXMSAMMY  Offline
Traveler
Joined: Sep 2010
Posts: 913
N CENT COMMONWEALTH OF MA
Here is the language from my policy: "Section II - Benefits
TRIP CANCELLATION AND/OR
INTERRUPTION
The Company will reimburse the Insured a benefit, up to the
Maximum Limit shown in the Schedule or Declarations Page
if an Insured cancels his/her Trip or is unable to continue on his/her Trip due to any of the following Unforeseen events: the Insuredís Primary Residence being made
Uninhabitable or Inaccessible by Natural Disaster,
vandalism or burglary;
(f) the Insuredís Destination being made Uninhabitable or
Inaccessible by flood, tornado, earthquake, volcanic eruption, fire, wildfire or blizzard that is due to natural
causes; a named hurricane causing cancellation or interruption of
travel to the Insuredís Destination that is Inaccessible or
Uninhabitable. Claims are not payable if a hurricane is
foreseeable prior to the Insuredís effective date. A
hurricane is foreseeable on the date it becomes a named
storm. The Company will only pay the benefits for
Losses occurring within 30 days after the named
hurricane makes the Insuredís Destination Uninhabitable
or Inaccessible. Always need to read the FINE PRINT!




Powered by UBB.threads™ PHP Forum Software 7.6.1