Insurance

» Lisa Nichols - Will you buy trip insurance for holiday travel this year?

Buy trip insurance and get reimbursed if something goes awry. Or, just take your chances and go unisured. Will you buy travel insurance this year for holiday travel? Have you purchased trip insurance before for travel? Tell us about your experience with travel insurance and let others learn from your mistakes... or your triumphs.

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» Lisa Manfield - Will you buy trip insurance for holiday travel this year?

In response to Will you buy trip insurance for holiday travel this year? posted by ghiagirl:

I generally buy travel insurance, but I have only had to use it once, and found out I couldn't. I was in Europe, and a good friend from home passed away. This friend also happened to be my sister's boyfriend. Despite the fact that family was directly affected by the death, the insurance company would not cover the expense of flying home early and the loss of hotel costs for cancelling. I was not impressed. Is this common?

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» DanMac - Will you buy trip insurance for holiday travel this year?

In response to Will you buy trip insurance for holiday travel this year? posted by lmanfield:

Travel Guard's trip travel insurance plans would reimburse a traveler for the additional travel expenses and the nonrefundable hotel expenses incurred by ghiagirl, if the person who passed away had been an immediate family member. To my knowledge, no travel insurance plans
provide trip interruption benefits resulting from the death, injury or illness of a a friend - even a close friend.

While the definition of "immediate family member" varies by company, it typically is fairly expansive. For example, Travel Guard defines this as a travel companion, spouse, domestic partner, child, spouse's child, daughtrer-in-law, son-in-law, borther, siser, mother, father, grandparetns, grandchidrlen, step-brothers, step-sisters, step-parents, parents-in-law, brother-in-law, sister-in-law aunt, unclude niece, nephew, legal guardian or ward.

-- posted by DanMac

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» Lisa Nichols - Will you buy trip insurance for holiday travel this year?

In response to Will you buy trip insurance for holiday travel this year? posted by lmanfield:

Unfortunately, travel insurance doesn't cover deaths outside the family. With a death outside of the family, the trip insurance carrier would have to try to validate the relationship of the insured and the friend. Today, trip insurance companies just don't have the resources to support this coverage.

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