Trip insurance??

[michellejed]

We have our trip all planed and some of us dint have medical insurance and thought that trip insurance would be a good option.

My question is..do you get it for the amount of the trip that isn't refundable in case you cant go or for the whole amount of the trip?

I went to a site to compare and want it for cancellation as well as the medical but I dint see the sense in getting it for the part of the trip that we would not lose our money on.

The premiums are based on total trip cost so if I just dint list the things we could recoup on then the premium is almost nothing.

Thanks for the help,
Michelle

 

[librarygal]

Michelle,

Travel insurance will only pay you back to non-refundable pre-paid expenses. The medical coverage is based more on your age than the cost of your trip. You can overinsure so you get more trip interruption but they are still only going to refund your non-refundable pre-paid expenses.