Why Must You See a Non-Family Member Doctor?

by Steve Dasseos, The Trip Insurance Guru on March 14, 2014

Steve, I think you have the greatest website and service. I am ready to discuss and purchase a policy from you. I just have one more question: Are there any restrictions on who we can use if something unexpected happens medically prior to leaving on a trip and we need to see a doctor? The vast majority of our doctors are close relatives and we trust their advice. Nancy K.

Nancy asks a very good question. This is one of those “devil in the details” areas that I know causes problems. Over the last 13 years, I’ve spoken with people who didn’t get their insurance from us, but later when have claim problems they call me asking for my help. {To my competitors who read my blog (you know who you are): No matter what you do to make a sale, you are morally obligated to help them with their claims. It’s sleazy to say on your websites: “the links take you to your travel insurance provider’s claim information.”}

Here’s what I told Nancy:
“Hi Nancy, Thank you for your kind words. I hope you still like me after my answer. :)

Yes, there are restrictions on what doctor or medical professional you see in person. Here’s what a typical policy says: “Legally Qualified Physician” means a physician or a Christian Science Practitioner (a) other than You, a Traveling Companion or a Family Member: (b) practicing within the scope of Your license: and (c) recognized as a physician in the place where the services are rendered.

As much as I enjoy selling trip cancellation travel insurance, I cannot advise you to buy it for this trip because your claim will be denied should you see a doctor who is a close relative. While it’s possible this fact won’t be discovered by the insurance company, I don’t even want there to be a hint of potential insurance fraud.”

Nancy wrote me:
“Thanks Steve. The doctor provision is extremely problematic. I realize we have a very unusual situation in that the vast majority of our doctors are close relatives (siblings or offspring). The only way to get around it is to buy the Cancel For Any Reason plan, which given the economics, turns out to be the same exact cost ($377 plus 25% of prepaid costs) that it would cost us just to pay the change fee with the airlines and forfeit one night at the hotel. Moreover, we can cancel hotel up to 24 hours before reservation without losing anything. We are just going to have to stay healthy and go on this trip.

I really appreciate your time and effort and will highly recommend you to others. Nancy”

Why are there so many denied travel insurance claims? I (Steve) firmly believe that the majority of denied claims are because the insured travelers either received the wrong advice prior to purchase or that they were sold the wrong policy by an uninformed travel insurance seller. You get our help with claims. We have never had a legitimate claim turned down from any of our companies since we started in 2001. We even help you if you didn’t buy from us.

I don’t have a hollow guarantee like a “No Complaint Policy”. The truth is that not all travel insurance claims are paid to a customer’s satisfaction. Sometimes the travel insurance company makes a mistake (I have gotten these resolved), but other times it’s not a payable claim.

A big part of that is that we go to great lengths to educate you. If travel insurance isn’t a good idea for you to buy it, we will tell you not to buy it, If you insist, we will refuse to sell it to you (like I told Nancy).

Before you start to whine about having to do all that work, ask yourself “When was the last time my travel agent or a company who sold me travel insurance gave me any service after they had my money?”

PS – If you liked what you read, please subscribe to my Blog. You can also add us to your Google Plus.

Too busy planning your trip to research travel insurance?
As you are planning your trip you will realize how much you still have to learn about trip insurance. You are learning useful travel insurance information at TripInsuranceStore.com and are wondering when it will all click. We can help you. Call us at 1-888-407-3854 and we’ll help you, too.


 

Now, a word from our sponsor: TripInsuranceStore.com (the Most Exclusive, Informative & Friendliest Travel Insurance Comparison Site)

Technorati Tags: , , , , , , , ,

{ 0 comments }

When is the Deadline to Buy Trip Insurance?

by Steve Dasseos, The Trip Insurance Guru on February 6, 2014

Sorry about the delay writing here. Thankfully, I didn’t get sick for 4 months like last year. Look at this music video my son and his friends made a few weeks ago: http://www.youtube.com/watch?v=eUeM9gzU3TY. I hope you find it inspiring.

Back to the exciting world of trip cancellation travel insurance.

Hi Steve, Our trip to Israel is scheduled for March 25th and was paid in full a month ago. When is the deadline to purchase the insurance? Thanks, Steve G.

Hi Steve, Thanks for writing.

You can get this anytime until the day before you leave assuming nothing bad happened that will cause you to say “I should have gotten the Trip Insurance policy!”

I know Steve understood what I meant by such a simple answer because he had already called us at 1-888-407-3854 to find out exactly how trip insurance works.

However, for the rest of you who haven’t called, here’s what I didn’t include in my written answer:

  • You do not have any pre-existing medical conditions coverage because your trip was paid in full a month ago. I have plans that will waive the exclusion for pre-existing medical conditions up to 30 days past your initial trip deposit date
  • Paying your trip in full doesn’t prevent you from buying trip cancellation insurance (or cruise insurance or travel insurance or trip insurance). This is a common myth spread by many in the travel industry. I don’t know why they do that.
  • You don’t have to insure the full prepaid non-refundable trip costs. Because Steve isn’t getting the waiver of the pre-existing medical condition exclusion nor the Cancel For Any Reason he can insure any trip cost he wants.

PS – If you liked what you read, please subscribe to my Blog. You can also add us to your Google Plus.

Too busy planning your trip to research travel insurance?
As you are planning your trip you will realize how much you still have to learn about trip insurance. You are learning useful travel insurance information at TripInsuranceStore.com and are wondering when it will all click. We can help you. Call us at 1-888-407-3854 and we’ll help you, too.


Now, a word from our sponsor: TripInsuranceStore.com (the Most Exclusive, Informative & Friendliest Travel Insurance Comparison Site)

Technorati Tags: , , , , , , , ,

{ 0 comments }

Don’t Buy Travel Insurance When You’re Ill and Past the Deadlines

by Steve Dasseos, The Trip Insurance Guru on December 16, 2013

I am very confused by the trip payment pre existing condition clause. What is included in this trip payment? I bought my airline tickets in May and final payment was in October but need pre existing conditions to be included. I’m leaving in four days Dec. 20, 2013 – Jan 9, 2014.

I understand that if even I cannot get pre-existing conditions covered (I have breast cancer), I want to be sure that if I get a flu or cold that such things would be covered.

Heather

Hi Heather,

Thanks for writing.

None of my plans will cover anything related to your breast cancer. That includes anything that an insurance company could say is related to that, too. Or even something you already have.

Because you are leaving in 4 days, if you bought insurance today and cancelled your trip due to a flu or cold, it’s likely the claim will be denied. That’s because the flu and colds take time to develop so a cancellation 4 days after the policy is bought will require you to prove you didn’t have any symptoms today or in the last 60 to 180 days.

Therefore, I cannot recommend you buy any of our policies.

Here’s why I told Heather not to buy any of our travel insurance policies:

  • Travel insurance goes into effect the day after you buy it. If Heather bought it today, it’d go into effect tomorrow which is three days before she leaves. That’s not much time to go from 100% healthy to suddenly sick. Insurance company claim departments know that, too.
  • Travel insurance plans have a 60 to 180 day Lookback Period so even if Heather was 100% healthy today (I know she’s not), it’s possible she’s had some medical condition in the past 60 to 180 days. You can learn a lot more about the Lookback Period here.
  • I have first hand experience with being sick. About a year ago I got sick and was like that on and off for 4 months until I suddenly got very ill and went to the doctor. You shouldn’t wait 4 months to go to the doctor.

A cynic might say, “Any insurance company will always turn down any claim”. I can’t speak for all insurance companies, but the travel insurance companies we offer all have claim departments staffed by people. You are working with real human beings who have a heart and want to help you.

Why are there so many denied claims? I (Steve) firmly believe that the majority of denied claims are because the insured travelers either received the wrong advice prior to purchase or that they were sold the wrong policy by an uninformed travel insurance seller. You get our help with claims. We have never had a legitimate claim turned down from any of our companies since we started in 2001.

I hope this made sense. Have a nice Christmas and New Years. I can’t say Happy Hanukkah because that was at the same time as Thanksgiving in the USA.

PS – If you liked what you read, please subscribe to my Blog. You can also add us to your Google Plus.

Too busy planning your trip to research travel insurance?
As you are planning your trip you will realize how much you still have to learn about trip insurance. You are learning useful travel insurance information at TripInsuranceStore.com and are wondering when it will all click. We can help you. Call us at 1-888-407-3854 and we’ll help you, too.


Now, a word from our sponsor: TripInsuranceStore.com (the Most Exclusive, Informative & Friendliest Travel Insurance Comparison Site)

{ 0 comments }

Caleb Should Not Buy Travel Insurance

by Steve Dasseos, The Trip Insurance Guru on November 15, 2013

I’ve read a lot of info on your website and find it very useful. I think I have confused myself, though. I question whether or not we need trip insurance. My wife and I are looking to book a trip to Cancun for September 5-10. My chief concern is the possibility of a hurricane. If there is a genuine threat of a tropical storm/hurricane, we would likely want to cancel our trip as a precaution. Here are some details:

Hotel: The bill will be $1,274 plus $44 in transfers to/from airport. I have the option of paying the full bill at time of reservation, paying in installments, or paying at the hotel when we arrive. The only definite”non-refundable” portion is the first night’s stay (~$255), if we cancel less than 7 days prior to arrival. If we cancel before that, we get a full refund.

Flight: I am using credit card points to pay for most of the flight, which I know isn’t insurable. I will only have to pay ~$25 after all my points are applied. What I am concerned about is the cancellation fee. If I am understanding the airline correctly, cancellation fees would be $150 per passenger ($300 total for us). My credit card also charges a $50 fee to “restock” the points.

Ages: 31 (Me) and 30 (Her)
State of residence: Kentucky

Is a travel insurance policy right for us? If so, I am assuming I would insure the one night hotel cost and the cancellation cost of the flight for the airline and the credit card company? You guys seem like you don’t sell insurance to “suckers” who don’t need it, so if I truly need coverage, I will look to get it from you. Thanks for your time.

Caleb B.

Hi Caleb,

Thank you for your kind words.

> My chief concern is the possibility of a hurricane. If there is a genuine threat of a tropical storm/hurricane, we would likely want to cancel our trip as a precaution.

Due to the complexities of how trip cancellation travel insurance works, I cannot recommend you buy a plan for the trip cancellation benefits.

The reason I told Caleb not to buy travel insurance is that there are not any plans that guarantee Caleb will get all his money back if he filed a claim. In addition, he would still have had to pay for the insurance which, in my opinion, would be a waste of money.

PS – If you liked what you read, please subscribe to my Blog. You can also add us to your Google Plus.

Too busy planning your trip to research travel insurance?
As you are planning your trip you will realize how much you still have to learn about trip insurance. You are learning useful travel insurance information at TripInsuranceStore.com and are wondering when it will all click. We can help you. Call us at 1-888-407-3854 and we’ll help you, too.


Now, a word from our sponsor: TripInsuranceStore.com (the Most Exclusive, Informative & Friendliest Travel Insurance Comparison Site)

{ 0 comments }

Gina Didn’t Need Trip Insurance Until Now

by Steve Dasseos, The Trip Insurance Guru on October 15, 2013

We are 63 and 58 and are taking a Caribbean cruise Oct. 21st. We booked it 8 months ago and it’s paid in full. Until today I didn’t need travel insurance. We never buy it because it’s a waste of money. I had an allergic reaction to an antibiotic on Friday and went into anaphylactic shock, and almost died. My doctor said I might want to cancel my cruise but she said if I want to go she can give me a doctors note ok’ing my travel. I don’t want to lose the $4,282 we spent for this cruise. What plan do you recommend I buy that will completely cover me? If you can get a plan to cover me I’ll recommend you to all my friends and family. Thanks, Gina

LOL – I’m not going to help you commit insurance fraud!

What more can I say?

Since that would have been completely rude, I emailed Gina back with this: “Hi Gina, Thanks for writing. I’m sorry about the reaction and I hope you recover quickly. Unfortunately, none of our plans will cover you as you are past all the waiver of the pre-existing conditions deadlines.”

I don’t think Gina liked that answer because on Saturday when I was working a got a call from a lady named Ruth telling me the exact same story. I said, “That’s an amazing story. I hope you recover quickly. Someone else emailed me about nearly the same thing last night”. Ruth must not have liked my answer because later on Saturday, Connie called me.

Connie told me the exact same story. I said, “That’s an amazing story. I hope you recover quickly. Someone else emailed me last night and another person called me today about nearly the same thing”. Connie didn’t like my answer either.

In case it’s not clear why I would not sell travel insurance to Gina, Ruth and Connie, the reason is that I knew no travel insurance plan would have paid any claims. It’s possible other would have some them a policy, but I refuse to sell someone a travel insurance plan if I think the claim will be denied.

Oh, and, don’t send me any of your family and friends!

I hope this makes sense. If you want the right travel insurance advice, call us at 1-888-407-3854 and we’ll help you figure it all out.


Now, a word from our sponsor: TripInsuranceStore.com (the Most Exclusive, Informative & Friendliest Travel Insurance Comparison Site)

PS – If you liked what you read, please Subscribe to my Blog. You can also connect with TripInsuranceStore on Facebook.

{ 0 comments }

The Nonpartisan Kaiser Family Foundation’s Cool Calculator

September 25, 2013

Subscribe The Nonpartisan Kaiser Family Foundation’s has a cool calculator that illustrates health insurance premiums and subsidies for people purchasing insurance on their own in new health insurance exchanges (or “Marketplaces”) created by the Affordable Care Act (ACA). You can enter different income levels, ages, and family sizes to get an estimate of your eligibility […]

Read the full article →

I Want Travel Insurance That Does Not Exist

September 19, 2013

Subscribe I need travel insurance that will pay all costs if I change the return date on my trip from North Carolina to California to visit my elderly mother. Her medical condition may warrant a longer stay. I want the ability to reschedule my return flight later without having to pay any money out of […]

Read the full article →

Does Travel Insurance Help Me If My Fare Drops?

August 16, 2013

Subscribe I’ve been a way for a few weeks. I went with my extended family (14 of us in total) to London and we got to stay in Hampton Court Palace. It was great! Hi Steve, Thanks for your help (and helpful insurance) in the past. This is a question I can’t seem to find […]

Read the full article →

Do Pre-existing Conditions Include Non-Traveling Family Members?

July 18, 2013

Subscribe Thanks Steve. I appreciate your prior replies for my nit-picking questions. I’m getting quite an eye-opening education. I regret taking advice from others prior to finding TripInsuranceStore.com. I have one more question: Do the pre-existing conditions rules include my non-traveling family members? I was under the impression that pre-existing medical conditions only applied to […]

Read the full article →

How Does Cancel For Any Reason Differ From Other Trip Insurance?

May 31, 2013

Subscribe I love your website! What is the difference between “trip cancellation” and “trip cancellation for any reason”? Greg Hi Greg, Thank you for your kind words. Trip cancellation means some covered reason causes you to cancel your trip. The “Cancel For Any Reason / Change Your Mind” is an optional upgrade that allows you […]

Read the full article →

Why Should You Have Pre Existing Medical Conditions Coverage?

May 9, 2013

Subscribe Hi Steve, I guess we’re still not clear on pre-existing conditions and just how that relates to a trip and why we need it. Please explain and sorry if you already have, we just need clarification. We have pretty darn good insurance that always reimburses us for anything that happens overseas. Linda Hi Linda, […]

Read the full article →

Follow The Rules or We Won’t Help You Get Travel Insurance

April 24, 2013

Subscribe Last Friday I had to send the following email: Janet, After I heard your phone call with Tara, we cannot help you get travel insurance. What would prompt me telling someone who wanted to buy a $1,054 cruise travel insurance policy this: “After I heard your phone call with Tara, we cannot help you […]

Read the full article →

Don’t Wait 4 Months to go to The Doctor

April 4, 2013

Subscribe I haven’t written on my Blog for 4 months because (although I didn’t know it at the time) I have been battling bronchitis. I thought I just had a cold that came and went. I chalked up being tired all the time, being in a daze and having the overall run-down feeling to working […]

Read the full article →

Should You Buy Trip Cancellation Insurance For Just Airfare?

December 5, 2012

Subscribe If you have read TripInsuranceStore.com including this blog, you will see that I have no problem telling you when you should or should not get trip cancellation travel insurance. What kind of a trip are you taking? If you are flying somewhere with an expensive airline ticket, whether or not you have more prepaid […]

Read the full article →

Travel Insurance Claims Need Written Proof of Loss

November 27, 2012

Subscribe This is one of those blog posts I never thought I would have to write. I have a few more written which are currently in “draft status”. I discussed these with a friend last week and she said: “I am constantly amazed by the number of people who will not follow simple directions, can’t […]

Read the full article →

You Cannot Get a Refund on Non Prepaid Trip Costs

September 26, 2012

Subscribe Hi Steve, I want trip cancellation insurance to cover my hotel costs in case I have to cancel my trip for one of the normally covered reasons. I have reserved 3 nights in Paris which are guaranteed with my credit card. My credit card will be charged $788 if I cancel my trip less […]

Read the full article →

I’m Sorry About Mary’s Brother

August 31, 2012

Subscribe Steve, Help! Here is my dilemma… I am scheduled to leave in 5 weeks for a 3 week trip. I paid my Initial Deposit on April 10, 2012 and my trip is paid in full. My brother was just diagnosed with brain cancer. What are my options since I may have to cancel my […]

Read the full article →