Subscribe I received this email about a year ago: “Hi Steve, My husband’s in the American Hospital in Cabo San Lucas because he broke his hip. First, thank you for contacting the insurance company for us since our phones weren’t working correctly. We’re in touch with them now. Next, we also contacted my husband’s doctor as you suggested, but we don’t want to use the hospital his doctor wants. We have hospital of choice so we want him sent somewhere else. Can you help us? Liz” I helped them, and they were very happy in the end, but I had to push against what they wanted. Hospital of Choice is ..read more

Subscribe Hi Steve, Uncle Lenny takes off tomorrow and there are high winds expected. If they cancel his flight and can’t put him on a new flight for some reason is he able to buy a new flight even if it’s a higher cost? Will his travel insurance cover him if there’s only a flight available on a different airline? Hopefully, it won’t be an issue, but he wants to make sure. Thanks, Elizabeth Hi Elizabeth, There’s no need for him to buy a new flight. His airline ticket is a contract and the airline is required to get him to his destination even if there are delays. He’s obligated to take whate ..read more

Subscribe You Need to See a Doctor if You Get Ill or Injured First, all our plans cover Covid the same as any illness. And, if you get ill or injured, you need to see a doctor wherever you are in the world. This includes seeing a doctor while still at home before you cancel your trip. If this sounds redundant, it is. But you’d be surprised by how many people don’t see a doctor. Or, they cancel or interrupt their trip before their doctor tells them they have to that. Next, if you’ve ever called us for help with a potential or actual claim, you’ll recall that we asked you something like “Have yo ..read more

Subscribe We are taking a European River cruise, but we are going 5 days early to Holland and adding on extra days in Budapest. Everywhere we look, it says to insure the length of the cruise, but we want to be sure we are also insured for the extra days in case something happens to one of us. many people on our Facebook group said you could help us figure this out. Thanks, Diane Hi Diane, Thanks for asking. This is a common question and for some reason, there’s a lot of confusion about travel dates. The right travel dates are the dates you leave home and return home. When you’re arranging a ..read more

Subscribe An update on my being healed from Long Covid: I am still free of Long Covid and I explained how it happened it in detail here on April 12, 2023. Since then, dozens of people have contacted me telling me that they’ve been taking 5 – 20 grams of Glycine every day with positive results. I take it and also give 1 gram a day to my little dogs. And, by the Grace of God, TripInsuranceStore.com has been busy. That’s why I haven’t written anything here since April 12, 2023. Hi Steve, Thanks for sending me the quotes, but we only want to see Travel Insurance plans that have at least $500,000 ..read more

Subscribe Happy New Year and Welcome to 2023! I’m happy the last 3 years are over. The travel and hospitality business is recovering, the worst of the pandemic is over, though Covid and other diseases are still very dangerous for a small part of the population. Unfortunately, some people now have Long Covid. I have it. The brain fog affects me until about 10 – 11 am, but there are many others who have it far worse. I hope they benefit from the new treatments and cures. I have a customer who is part of a large team researching Long Covid at Johns Hopkins. She occasionally tells me what’s workin ..read more

Subscribe Prior to Covid, the most common reasons we saw that a traveler would potentially cancel and re-book their trip and not file a trip cancellation claim on their policy were these: Your travel supplier cancelled and they offered you a great deal on a new trip if you switched to the new trip. Or, there was some scheduling conflict and you decided not to pay your Final Payment and instead you cancelled your trip before you were in penalty. Or, you simply chose not to take the trip before you were in penalty. With all our plans, if you were not incurring a financial loss, you could chang ..read more

Subscribe Will a Trip Cancellation Travel Insurance policy pay anything towards the quarantine costs if I have to be medically quarantined due to a positive Covid test? I don’t have Covid now and I am fully vaccinated and boostered. I have cruises, tours and land trips booked for 2022 and 2023, so if Covid is still with us I want to be sure I am covered. All the Trip Cancellation Insurance plans we sell at TripInsuranceStore.com include a benefit called Trip Delay. It’s also known as Travel Delay. Let’s say you test positive for Covid two days before the end of a trip and a doctor puts you i ..read more

Subscribe The Extension of Coverage is an Important Benefit What is the Extension of Coverage? If you insured the entire length of your Trip with your Trip Cancellation Travel Insurance Policy and your return is delayed by specific unavoidable circumstances beyond your control, all coverages will be extended to the earlier of the date you reach your originally scheduled Return Destination or x number of days after the originally Scheduled Return Date. Our policies extend either 7 or 10 days, depending on the policy, after the originally Scheduled Return Date. Prior to Covid, the most common de ..read more

Subscribe Hi Steve, In “Does a Trip Cancellation plan Cover a Last-Minute Positive Covid Test?”, you said that your plans will cover me if I have a positive Covid test result just before I leave on my trip as long as I see a doctor who tells me that I have to cancel my trip. But, how am I covered if I am denied boarding based on a positive Covid test at the cruise terminal when no doctor is present? Would I be covered for reimbursement by my Trip Cancellation insurance? We are flying from Florida to Canada and boarding the ship there after we leave home. Thanks! Ed If you have a positive Cov ..read more