RE: 2 - if you do not use your tickets, after 12/31/18 you would need to pay the difference between purchase price, and new ticket price to use those tickets. Even though they expire, the dollar value does not.
Do you foresee an emergency happening? Because it sounds like you do. Perhaps the trip is better postponed now, rather than finding something to cover all these "what-ifs." Or better yet, call a
travel insurance company and your points card to discuss your concerns.
I did not know that about the tickets! I was under the impression they were gone gone of not used. Thanks for clearing that up for me.
And no... no one expects an emergency, and if they did they'd be nuts to book a vacation the same week an emergency was expected. By that rationale, I shouldn't buy homeowners insurance because I don't expect my house to get hit by lighting and burn down, or get broken into. I shouldn't buy car insurance because I don't expect to get into a wreck. I shouldn't buy life insurance, because I dont expect to die and leave my family with expenses. I shouldn't buy health insurance because I don't expect to get sick. I shouldn't buy trip insurance because I don't expect to have to cancel it or cit it short for some unforseen reason. The whole point of insurance is to protect yourself from loss in the event that <insert whatever insured covered event here> occurs.
I don't really like to share personal stuff to strangers too much, but I'm guessing people are taking my questions as if I'm trying to pull a fast one on SOME apparently non-existant trip insurance company rather than just taking it at face value: I want to protect my trip from loss due to unforseen need to cancel or haveing to cut it short. What's the problem with that? There is none.
Two things, though, to ease your mind... two of us in our traveling party have pre-existing medical conditions that makes its tough to plan 8 months out (and I dont fault anyone for makeing it so that you pretty much HAVE to plan months and months in advance, and am playing ny the same rules as everyone else, nonethe less I digress) ... but Disney is my DW and DD4's favorite things, and they both have been through so much and worked so hard, that I'd like to use the hotel points I've accumulated over 10 years to take her on well deserved suprise trip to WDW with her family. We can't even tell DD4 about it in case something happens, and if she gets her hopes up, and something happened where we'd have to cancel, she wouldn't understand and think it was her fault.. that's how selfless she is. These kinds of conditions flare up at the drop of a hat, where one day everything can be fine (and can be fine for weeks/months/years), but then overnight, for seemingly no reason, it can come rushing back. To suggest to wait for some other time where I don't "expect an emergency" is quite a nasty thing to say when you have no idea about me or my family or what we've been through. Of course no one ever expects an emergency...
Also, I have an elderly member of my family who hasn't been doing well, and if, God forbid, he were to pass while we were down there, that'd certainly cut our trip short.
I shouldn't need to explain my personal worries or thoughts with strangers... but there you have it. I hope all that background alleviates your fears that I'm somehow trying to pull a fast one when all I'm trying to do is brainstorm if anyone knew of an insurance product that covers my booked trip.. It's completely asinine. I'm not coming on here saying "Hey, I know it's against this policy I bought to xyz, but if I lie about abc, they'll give me money, right?"
Quite the contrary. I'm trying to play by the rules, but also look out for my financial interests and hope that IF something were to happen, that we can be made as close to whole as possible so we wouldn't need to not only miss a family vacation, but also have to wait another 3 years to re-book if we lost everything. This is the entire point of travel insurance.
Sorry for the rant, but you all have struck quite the nerve and I'm SHOCKED at all these assumptions. I hope you don't get accused or attacked the next time you reach ouut to a Disney community for some untapped knowledge or seeking to find someone's advice whose been in the same situation as you and traveled that road before you. I hope they take you at face value.
Out
