Standard trip cancellation allows a traveler to cancel his/her trip, before they leave home, for three basic reasons; if they are ill, injured or if they pass away. It also allows cancellation if a traveling companion were ill, injured or passed away or if an immediate family member were ill, injured or passed away. (Immediate family members are: spouse or significant other residing at the same address, children, grand-children, siblings, parents, in-laws, grand-parents, nieces, nephews, aunts and uncles. (Cousins are excluded).
If anyone must work or is self-employed and must work, depending on the plan purchased, they can also cancel and get a full refund. But….anything to do with a pandemic/epidemic/resurgence of corona/sars virus is not covered nor if the country you are visiting denies you entry nor if the USA bars you from traveling to that country. These reasons are not covered.
Standard trip cancellation insurance allows you to upgrade to a plan, called Cancel for Any Reason, for an additional cost, that will allow you to cancel for anything under the sun, literally, if the USA bars you from traveling to a destination or if the destination denies entry or if you are simply too concerned about traveling because of Sars/Covid or any other reason such as your dog is sick and you can’t leave or your brother is eloping and you want to be at his wedding😊. The standard reasons to cancel are included as well; if you are sick , injured or if an immediate family member is sick, injured or passes away.
The trick with this policy is that it MUST BE PURCHASED WITHIN 21 DAYS OF THE FIRST DEPOSIT THE TRAVELER PUTS DOWN FOR THE TRIP. THE COUNTDOWN OF THE 21 DAYS IS BASED ON THE DATE OF YOUR CREDIT CARD/PAYPAL/BITCOIN TRANSACTION OR THE DATE YOU WROTE ON YOUR CHECK. (THE DATE THE CHECK IS CASHED DOES NOT APPLY!). This is standard procedure with all travel insurance companies).
The refund for these unusual reasons to cancel is 75% and not 100%. (100% refund is only for the three standard reasons if you cancel for illness, injury or death).
Trip interruption occurs while you are already traveling. You may have to return home suddenly because a family member is sick, injured or passed away. In this situation, you would file a claim for the portion of the trip you missed and file a claim for the airfare difference. The amount of money you have at your disposal for reimbursement is based on 150% of your trip cost. If your trip cost is $3000 and you interrupt your trip to come home early because of injury, illness or death, you would be reimbursed up to 150% of your trip cost. $3000 (trip cost) + $1500 (50% of the $3K) = $4500.00.
If quarantined, the trip interruption benefit applies, but only if you can prove in writing from the local health department, that you were indeed quarantined. Without that proof, you may not be covered. The policy covers up to 10 days maximum. The benefit amount can be 100% or $150% of your trip cost depending on the policy purchased. For example: if your purchase a policy with a 150% trip interruption benefit, if the trip cost is $6000, you will have $6000 + $3000 (50% additional) = $9000 in your “piggy bank” to pay for those unexpected room nights, meals and airfare expenses.
If any of your travelers have a pre-existing medical condition that may possibly cause them to unexpectedly cancel their trip before they leave home; a) THEY MUST PURCHASE TRAVEL INSURANCE WITHIN 14 DAYS OF THE FIRST TRIP DEPOSIT THAT THE TRAVELER PUTS DOWN WITH THE NYAC. HE/SHE WOULD HAVE TO PROVE THE DATE. (This is standard procedure with all travel insurance companies) and b) THEY MUST BE WELL ENOUGH TO TRAVEL AT THE TIME OF PURCHASE. THEY CAN’T BE SICK, INJURED OR GETTING ANY KIND OF MEDICAL TREATMENT.
All travel insurance includes a medical expense benefit that covers travelers if they get sick or injured while traveling. Traveler must pay the medical bill upfront, even if a hospital bill, obtain a receipt with diagnosis and cost, and submit for reimbursement by filing a claim. The amount of medical coverage varies based on the plan that is purchased. The minimum coverage starts at $10,000 per person (ten thousand dollars) and maxes out at $100,000 per person (one hundred thousand dollars). Once the traveler returns home, if more medical treatment is required, the travel insurance will not pay any new bills incurred after returning home for additional treatment.
The policy contains a benefit for an airline misconnection but the amount of the benefit varies depending on the plan purchased. A misconnection must be a certain amount of time that you are delayed in order for the misconnection benefit to apply. If you are delayed for less than three hours, no benefit will apply.
The policy contains a benefit for inclement weather delay known as “Trip Delay” but the amount of the benefit varies depending on the plan purchased. A weather delay must be at least six hours and will reimburse travelers for hotel and meals if they are forced to remain at the airport or at the resort for an additional amount of time. You must always have proof, in writing, from the airline that the flight was indeed cancelled due to weather. (If a trip is delayed due to anything other inclement weather, such as mechanical issue or crew issue, no benefit will apply.
If your baggage does not show at your final destination, you must immediately advise the airline representative. They must confirm, in writing, that you reported your bags missing and they should give you a copy of that confirmation. (It could also be an email confirmation).
From that point, you are required to wait, 12 hours, sometimes 24 hours to use your delayed luggage benefit. (Depends on the policy you purchase). The benefit can range from $300 to $500 per person to purchase necessities. You purchase what you need, keep receipts, keep the confirmation from the airline that you reported your bags delayed and you can file a claim up to the benefit amount.
Lost baggage means you never see your bags again for the entire trip or when you arrive home. The lost baggage benefit is extremely restrictive under any travel insurance policy. There are tons of exclusions. The benefit amount is low sometimes $1000 or $1500 total. Never rely on the “Lost Baggage” benefit in any travel insurance plan. Check with your own home / renter’s insurance policy. You may be surprised to learn that you are covered under that policy!