Does small change in travel dates = increase in travel insurance premium?

[fredandkell]

Booked Bermuda forever ago, and bought travel insurance at the same time. Said I would be traveling starting Sept. 23. Several months later, ended up buying a plane ticket for Sept. 22. (Cruise starts Sept. 25, will be in NYC the days before.) I need to call the travel insurance company to let them know this, so that if I have a delay, etc. that first day it will be covered, but my question is, can I expect a higher premium rate if I do this, or will they just adjust the date? Anyone have any experience? (I know different companies may have different rules, but just curious in general based on people's experiences.)

 

[coloradocutie]

I have changed dates with the insurers on multiple trips. (We always get insurance and often don’t know the exact dates at the time of purchase) . We only pay a difference if we are adding on costs, like airfare.

 

[kiford]

It's usually based on what you're insuring. If you're adding new unrefundable costs, yes, it will increase. Adding a couple of weeks, possibly, since the risk of an accident, illness, or other potential incident that may lead to medical needs or trip interruption goes up (depending on what you're insuring). But I wouldn't expect a day or two, if there are no other costs, to change anything.

 

[mevelandry]

Booked Bermuda forever ago, and bought travel insurance at the same time. Said I would be traveling starting Sept. 23. Several months later, ended up buying a plane ticket for Sept. 22. (Cruise starts Sept. 25, will be in NYC the days before.) I need to call the travel insurance company to let them know this, so that if I have a delay, etc. that first day it will be covered, but my question is, can I expect a higher premium rate if I do this, or will they just adjust the date? Anyone have any experience? (I know different companies may have different rules, but just curious in general based on people's experiences.)

It could be more expensive since you are adding a day... Unless you have one of to insurance that covers "up to a certain amount of days".

 

[ember1205]

The only way to get this answered is to call the insurance carrier and ask them.

Changing the number of days isn't really going to impact the cost - it's the change in overall costs BECAUSE of changing the number of days (differences in park tickets, hotels, etc.) that drives a change in premium.

 

[DisneyWishes14]

I can't speak to your insurance, but I have changed dates before with no increase in my premium. My premiums have only gone up when my costs have increased.

 

[fredandkell]

Update - I called the travel insurance company to switch the dates and it did not result in a premium increase since the total cost of the trip did not increase. Thanks y'all!