Travelex Insurance

[rwcmath]

We bought it and our flights were cancelled on Saturday due to the radar glitch around DC.

Insurance is saying radar failure is not covered! We can appeal. Has anyone had success with reimbursement for expenses for something like what happened on Saturday.

If this had been for a cruise we would have had to rent a car and drive as SW could not get us to MCO until 2 days later.

 

[rocketriter]

We bought it and our flights were cancelled on Saturday due to the radar glitch around DC.

Insurance is saying radar failure is not covered!

I'm sorry I can't answer your specific question. But our experience has been that travel insurance is often written in a way similar to those not-quite-reputable accident and dismemberment policies. "If you lose your right eye and exactly two fingers on your left hand, you're covered. Otherwise have a nice day."

 

[SuzanneSLO]

And to follow up on the comment from Rocketriter, in a world of confusing documents, the DVC Trip Insurance "Explanation of Benefits" has to be one if the worst.

My understanding is that for a cancellation, it only covers airfare and DVC stays ( at a rate of dues multiplied by number of points used). I assume that Southwest refunded your plane fare. Is Travelex refusing to pay for the points you lost? -- Suzanne

 

[rwcmath]

They do reimburse for expenses because of trip delays. We had to rent a car to take us home as friends had dropped us off at the airport and we had no car. That's what we want reimbursed. Points are not lost, Member Services helped us out there.

 

[SuzanneSLO]

They do reimburse for expenses because of trip delays. We had to rent a car to take us home as friends had dropped us off at the airport and we had no car. That's what we want reimbursed. Points are not lost, Member Services helped us out there.

I believe there is a distinction between "cancellation" and "delay."

When Southwest cancelled your flight and offered to rebook you in 2 days, you would have been entitled to your expenses relating to that delay (subject to the policy limits). When you cancelled your trip instead, you are only entitled to reimbursement under this policy for airfare and DVC dues.

[There is a third category called "trip interruption", but I don't think it comes into play if you are stranded at your home airport. It would apply, for example, if you are stranded at another airport and needed to rent a car to get to Orlando or return home].

-- Suzanne

 

[robotdisney]

We bought Disney insurance for our trip in Feb 2016. A member of our party got a respiratory infection, and a visibly huge lymph node on her neck. She felt awful and she was bedridden. On the day before we were scheduled to leave, (a Sunday), she went to a doc-in-the-box.

Because she was sick, she did not get on an airplane nor go to Disney World with us.

Disney was GREAT about refunding her unused park tickets and her portion of our deluxe dining plan. However, Disney referred us to "TravelEx", which apparently handles flight insurance for them.

TravelEx will not refund her airline tickets, unless we provide them with a doctor's letter. The doctor must provide the diagnosis, and some kind of statement that he advised her "not to travel". I seriously doubt we will be able to procure such a letter from a "doc in the box". Even if he was our regular doctor, there are very few medical conditions I can think of that would make it so someone could not physically travel. (Maybe the bends?)

This insurance seems worthless.

p.s. - We also bought flight insurance from American Airlines. They also have the same asinine "sickness" document requirement. Proof of a doctor's visit and diagnosis should be enough...

 

[jekjones1558]

The devil is in the details with insurance. We bought Travelex and subsequently had to cancel a trip because DH was too weak to travel. Our only financial loss was first class airline tickets because we were able to bank points and Disney refunded Cirque tickets. At first Travelex was only going to reimburse us for Delta's change fee penalty but I told them that we would not be able to use the airline credit within a year. We were reimbursed for 100% of the cost of the airline tickets. The key was documentation. DH's doctor completed the form supplied by Travelex.

 

[SuzanneSLO]

We bought Disney insurance for our trip in Feb 2016. A member of our party got a respiratory infection, and a visibly huge lymph node on her neck. She felt awful and she was bedridden. On the day before we were scheduled to leave, (a Sunday), she went to a doc-in-the-box.

Because she was sick, she did not get on an airplane nor go to Disney World with us.

Disney was GREAT about refunding her unused park tickets and her portion of our deluxe dining plan. However, Disney referred us to "TravelEx", which apparently handles flight insurance for them.

TravelEx will not refund her airline tickets, unless we provide them with a doctor's letter. The doctor must provide the diagnosis, and some kind of statement that he advised her "not to travel". I seriously doubt we will be able to procure such a letter from a "doc in the box". Even if he was our regular doctor, there are very few medical conditions I can think of that would make it so someone could not physically travel. (Maybe the bends?)

This insurance seems worthless.

p.s. - We also bought flight insurance from American Airlines. They also have the same asinine "sickness" document requirement. Proof of a doctor's visit and diagnosis should be enough...

As you have noted, it is pretty standard to require a doctor letter, not just proof of a visit. I would expect that even a Doc in the Box will issue one (although there might be a fee). The standard of "advised not to travel" is not as high as you suggest and would be similar to the doctor advising bed rest or staying away from others for a few days. Good luck. -- Suzanne