What's your thoughts on trip insurance?

[missyoh8]

I don't think they like to say what it actually covers...........you know they are covering their own a**. We arrived in Orlando on Friday for a 7 day cruise. As we were pulling into the port area our TA called to say we were cancelled until Monday out of Lauderdale. We were compensated for our rental car, ALL food (including snacks, pop, beer in some cases), gas, hotel bills.....basically everything we submitted was covered except a pack of cigarettes and a 12 pack of bud light (only things on that particular receipt). In addition to the 40% DCL refunded for the portion of the trip we were compensated $2600 for our travel expenses. We lived very well those 3 days, except one night we did end up in a mom and pop hotel that could have maybe had 1 or 2 stars!

In other words they paid for more than what we expected.

Missyoh8

 

[allears]

Does insurance generally cover delays/cancels, etc. due to hurricanes? I got kind of conflicting information from my travel agent.

I think there might be some "small print" exclusions where weather is concerned, but like missyoh8 said, there didn't seem to be any people from the hurricane season that had trouble with claims. The only thing ours didn't cover were cell phone calls to anyone other than DCL. We now have unlimited long distance on our plan. It seemed to me that as long as you weren't some how manipulating your circumstances, and I'm not sure how you would, legitimate claims were handled pretty well. And on the claim forms they asked about refunds and the such that you received from the carrier and I know ours was in touch with DCL, but they still paid the claim.

Just keep all receipts, they won't pay without receipts and documentation. The process was amazingly quick and painless.

Hey missyoh8, good to be on the same thread with you again! We rolled that refund and discount into a cruise for just me and my DW this past January, had a blast. Check out the trip report, 1/1505 Huricane Jeanne part 2 on the report board.