Trip Insurance Now for 2009?

[garada3]

Alright - I admit that I want to make our room-only reservation now, 499 days out, for our trip next year . Yes, I am one of those planners but hey - we only go once every three years!

I think trip insurance is important, with aging relatives, increasing prices and a trip planned during hurricane season - I want to make sure any money spent before the trip can be recouped if we cannot go .

The travel policies indicate that pre-exisitng condition clauses are waved if the plan is purchased within 15 days of initial trip payment. So does my one night room only deposit count as that first payment?

Also, when calculating the cost of the trip, I should only include non-refundable deposits such as the room deposit and money to change airline tickets to another date?

If I purchase tickets through a discounter, are the tickets good for the number of purchased days from the date of first use? If so, then I do not need to insure the cost of the tickets?

What happens if we need to adjust our dates? Is it difficult to change insurance coverage?

Just trying to get things right Thanks for the help with all these questions! If any expert is willing to share their knowledge of insuring a trip 18 months away. I would appreciate your advice

 

[garada3]

Please?

 

[Lilolvr]

Any help?

 

[llori7]

We got insurance for our trip last year and we will not get it again b/c I learned. If you cancel 45+ days before your trip, for any reason you get a full refund. 6-44 days before your trip, and they keep $100 and 1-5 days before your trip, they will keep $200. I would rather take the risk since insurance will cost $133. I figure that is $133 more for my trip and IF I did have to cancel, it would be $200 at the most, $67 more than the insurance.

 

[Renee1061]

If I am not mistaken, if you are not booking a package, you can cancel a room-only reservation up to within 6 days of arrival date.