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Old 12-20-2012, 11:16 PM   #16
tvguy
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Originally Posted by sayhello View Post
Worth it is such a relative term. I personally think it's totally worth it, but I've had multiple times I've needed to use it, so that probably biases me.
Wow, remind me not to hang out with you! But well put, "worth it" is really a relative term. Insurance companies love to sell travel insurance because it the lowest risk insurance there is. For most folks, they are buying piece of mind, not something they will ever collect on. The Travel Agency I use doesn't even sell it anymore, but does provide a list of online insurance options, but with a disclaimer that they make no recommendation about whether you should buy Travel Insurance. But to be honest, that's not just because of how few claims their clients have every filed, it is also because of how many of their clients that did file claims that did not get what they considered to be a satisfactory settlements.
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Old 12-20-2012, 11:46 PM   #17
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Wow, remind me not to hang out with you! But well put, "worth it" is really a relative term. Insurance companies love to sell travel insurance because it the lowest risk insurance there is. For most folks, they are buying piece of mind, not something they will ever collect on. The Travel Agency I use doesn't even sell it anymore, but does provide a list of online insurance options, but with a disclaimer that they make no recommendation about whether you should buy Travel Insurance. But to be honest, that's not just because of how few claims their clients have every filed, it is also because of how many of their clients that did file claims that did not get what they considered to be a satisfactory settlements.
What can I say? I'm a bit accident prone. I'm not the type of traveler that the insurance companies are counting on.

First time I used travel insurance, I got something under my contact lens on the flight down to San Juan, and spent $300 for the ship's doctor with a scratched cornea. Not a huge amount, but it more than paid for the trip insurance. Absolutely no problem getting payment from the insurance company.

The second time I used travel insurance, I tore my rotator cuff a week before going on an escorted hiking tour. No idea how I did it, but there was no way I could carry even a day pack, or deal with any kind of weight. I had to cancel, and, again, had no issues getting reimbursement from the insurance company (although I called the insurance company to find out my options and requirements for repayment before deciding to actually cancel, so that may have helped). They were *extremely* helpful, and even paid the fee to have my flight out West changed so that I could still do the second half of my vacation, which was visiting various family members.

The third time I used travel insurance, I tripped and fell while heading up the outside deck stairs to my B&B room while packing up to head to the airport. Gashed my head open, and ended up in the ER rather than on my flight home. The insurance concierge service spoke directly to the hospital billing department, and I never even saw a bill from the ER. They also helped me re-book my flight home that I'd missed (reimbursing me for the exorbitant change fees for the flight), booked me in a hotel by the airport for the night (and reimbursed me for it) and paid for lunch during my extra day there.

I think that if you know what is really covered and what is not, and what is required of you to get reimbursed, most insurance companies are very easy to deal with. But I think a lot of people don't have a realistic picture of what is and what isn't covered, or what's required to get reimbursed.

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Old 12-21-2012, 09:04 AM   #18
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I think the bigger reason is what could happen when you are on the trip,not canceling the trip for the flu or a broken leg preventing you from getting onboard. Losing $2K or whatever the trip costs would be terrible, but that would be a drop in the bucket compared to having a major illness hit while out of the country. You would have not only the foreign hospital bills (If your medical insurance didn't cover claims outside the US) the transportation required to get you back home after you recovered, the death of a family member at home that required you all flying home from someplace same day. Couple those with the loss of the cruise fare and the benefits look clearer, I think.
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Old 12-24-2012, 05:06 PM   #19
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Trip insurance is worth it, even for the small stuff that you never think about.

We always buy the insurance for the cruise, but this year we also bought the insurance through our airline, which was dumb luck that we did.

We had to use the trip delay benefit on both, which is $150 pp/pd up to $500 pp per claim. The first delay was caused by the Fantasy getting in late where we missed our flight and with all flights being cancelled due to the storm, we had to stay three additional nights in WDW.

When the next available flight was eventually cancelled due to the damage of Sandy in NJ, we had to stay an additional 3 nights for the next available flight. We probably spent close to $1800-$2000 additional over the 7 additional days.

We filed two claims, one for the expenses during the first three days through the policy from the cruise, and another for the expenses for the second three days through the policy for the airline. We recouped almost all hotel and food expenses and had no transportation expenses (~$1600).

If we hadn't gotten the insurance through the airline, we'd be out $800+ right now. The bottom line is you never know what may happen so it's best to be covered. A little peace of mind is worth it.
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Old 01-13-2013, 03:44 AM   #20
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TRAVEL GUARD'S gold plan... kids are covered FREE

We've done a number of Disney Cruises and were VERY happy we chose to carry trip insurance... we used it our very first Disney Cruise when we were "hunkered down" at WDW while Hurricane Francis passed over.

If you're traveling on Disney Vacation Club points, I believe you'll need to get the trip insurance through Disney. They now have some way to calculate a cash reimbursement for the lost points.

If you're paying for the cruise you have options. In 2004, we booked through a travel agent and she took care of ordering the insurance (I have to look up who the insurance company was). It covered the cruise, flight... everything that was pre-paid and not cancelable or might be incurred due to a delayed canceled/trip. Our coverage activated due to Hurricane Frances delaying our cruise and paid for extra nights at WDW All Star Movie and our meals. They were awesome no documentation needed with a hurricane. They had the money we laid out for the hotel/meals in our account before the end of the cruise (so 5-6 days). Disney was also awesome... they gave us 1/2 our money back for the shortened cruise and 25% off our next cruise.

I'm not sure if you book the cruise on the DCL and book your flights separately if that could be added to the policy. You might also consider what other things you may pre-pay or have cancellation deadlines/fees. A couple years ago, we had medical emergency and had to cancel a Disneyland trip... the insurance covered the flight and the pre-paid tickets for Mickey’s Not-So-Scary Halloween Party. The hotels would have been covered, but no need as we cancelled the hotels before the deadlines.

Some plans are different in what they cover and what it takes for the insurance to go into effect. The last non-cruise trip we took we got TRAVEL GUARD'S GOLD PLAN from Teel's Travel Planners... kids are covered FREE. I started to do it online, then I ended up calling on a Saturday. Brad Teel answered the phone himself and walked me through the whole thing.... such a nice man (family run travel agency). He let me know that since every one was healthy, we could add the insurance even though we'd planned the trip a while earlier... and it didn't matter that I'd booked the trip direct.

Some plans you can opt for coverage even if you choose to cancel the trip (you don't have to be sick, lose your job, find a hurricane, etc.). It's refered to as "change for any reason" or "change your mind" insurance. It costs something like an extra 50%.

I just ran the numbers for the 3 of us for 7-Day Fantasy outside cabin. Through Disney it would be $250. TravelGuard Gold thru Teel's was $155 ...with "change your mind" added it was still only $228.

I'll be interested to hear what plans others have bought / used.

Lise
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Old 01-13-2013, 01:23 PM   #21
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I'm not sure if you book the cruise on the DCL and book your flights separately if that could be added to the policy.
DCL insurance only covers what you book through DCL. Outside insurance (such as Travel Guard or any insurance on sites like www.tripinsurancestore.com or www.*****************) will reimburse any covered non-refundable expenses (up to your policy amount limit), no matter who you book it with.

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