Trip Insurance Dilemma

[jaff87]

Hi All - I need help from all the experts out there.

Our trip is as follows for August 08

8/10-8/13 - HRH (did myself)
8/13-8/20 - WDW (did thru AAA)

I have not booked airfare yet.
I have the 1 night at HRH already charged to my card as of 9/17/07
My rates are currently at rack rate - so $299/night - no AAA rates out yet

I purchased the land only part of the insurance for WDW thru AAA. (I panicked a little on this one as I was given a waiver to sign regarding no insurance. Then the agent told me the insurance was for the land only/tickets, etc. portion - since we are going in August and have already been through Hurricane Charlie, thought it best to cover myself until I feel more comfortable with the whole insurance thing.

When should I purchase the rest to cover airfare and the current booking for HRH? Do I have to do it within a certain timeframe since I already gave 1 nights deposit for HRH? OR can I wait until I get my airfare (which historically has not been until November when the airline releases the dates).

I keep reading that you have 14 days from when you make a deposit to purchase insurance for a trip - I am not sure if this is accurate or not.

Help!

 

[keishashadow]

check out insuremytrip website, many plans (CSA luxe comes to mind) don't have to be purchased until 24 hours of final trip payment some provide a waiver for pre-existing medical conditions if that's a consideration for you.

you might want to look into comparing/rolling the entire trip into 1 insurance (AAAs rates were high for us in the past when i priced it out).

note - generally, the TI cost is non-refundable if you cancel the trip, however; they will offer you a credit to rebook within a year (as i recall).

good luck; have fun planning your trip.