Trip Cancellation Insurance for Self-Employed

[Chris834]

I am trying to figure out trip insurance since this Disney cruise is both expensive, and the first with my young child. We never got insurance before since the likelihood of an issue for the two of us seemed very small, but since the deposit is non-refundable with Disney and little ones can be sick/accident prone, we are thinking about getting it.

However, my issue is that I am self-employed (single person LLC) and I consult on a full-time basis. I pretty much have one big client, and things can get scheduled fast. For example, I didn't think I would be traveling today to a site, but yet I will be flying off in a few hours! Some of the companies explicitly exclude self-employed people from using work reasons on Trip Cancellation such as nationwide, but others don't exclude it. They usually mention a notarized statement from an officer, but I am a little unclear if I won't qualify. Does anyone have any experience here?

Thanks!

 

[lanejudy]

Your deposit is only non-refundable if you have reserved a concierge stateroom. Otherwise, the deposit and any payments made prior to the pay-in-full (PIF) date are fully-refundable until the PIF date. For concierge, I believe you can change the cruise date prior to PIF without losing the deposit, though it cannot be refunded.

As to insurance for self-insured... you need to make sure the actual policy you purchase covers whatever situations might arise for you -- work-related, weather, illness, etc. Several policies are available that cover "cancel any reason" if purchased within a few days (maybe 14 days) of making the initial deposit. There are trip insurance comparison websites you can check out, but I advise calling to discuss the actual coverage before purchasing so you know you are getting what you want. Policies from from the same agency may include different coverage, so it's important to ask specifically about your needs.

Enjoy your cruise!