TRAVEL INSURANCE

When should I buy travel insurance?

When is travel insurance worth the added expense? I outline a few instances when you should consider buying a policy in my new USA Today video segment. By the way, my weekly live broadcast is on hiatus until I can find a fast enough Internet connection to accommodate the bandwidth requirements. (Warning: this video starts when you upload the page, and there isn’t a thing I can do to stop it. Yet it is worth watching, so please click on it.)
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Insurance claim denied because of … air traffic?

Arthur Ruffino’s travel insurance claim is a real heartbreaker, for several reasons.

First, he did everything he could to make sure he was covered by his CSA policy, but was still denied.

Second, his well-reasoned appeal went nowhere. And finally, even though I agreed that his case should be granted another review, the insurance company dug in its heels.
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Is this fair? They saved $74, but they lost $10,074

They missed Italy and lost their vacation. / Photo by Ryan Wood - Flickr.
Question: I’m writing on behalf of two friends who booked a trip of a lifetime to Italy recently. They also purchased trip insurance through Access America. A couple days after paying for the insurance, they found out that the husband had to have hip replacement surgery. It was a situation that became chronic within a couple of days.
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Travel insurance claims can hinge on the tiniest details

Thinking of making a claim? Read this first. / Photo by W. Shonbrun - Flickr
When it comes to travel insurance claims, Hannah Yun was about as sure as anyone that hers would be successful.

She’d bought a gold-plated “cancel for any reason” policy for a trip to South Korea. When her boyfriend proposed and she decided to call off the trip to start planning her wedding, she thought that collecting a check would be just a formality.

Wrong.
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Frequently asked questions about travel insurance

Should I buy travel insurance - or not? / Photo by Horrigan S - Flickr
Travel insurance used to be a small segment of the insurance business that protected people against the loss of a non-refundable deposit on a big-ticket vacation such as a safari or a round-the-world cruise. But the Sept. 11, 2001, terrorist attacks and a series of natural disasters in the early 2000s pushed it into the mainstream. Today, it’s hard to find a travel agent or travel site that doesn’t try to sell an optional insurance policy as part of a trip.

But should you buy one? That depends. Here are the most frequently asked questions about travel insurance:
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Travel insurance didn’t cover her Princess cruise after husband’s death

No refund for you. / Photo by busy printing - Flickr
Question: I am hoping you can help me get a refund for a cruise that my husband and I booked last June with Princess Cruises. Jim, my husband, was diagnosed with pancreatic cancer in the spring.

At the time we booked the cruise, his doctors at the hospital were very optimistic about his prognosis. He visited the hospital on a monthly basis for checkups. He had finished his chemo treatment at that time and was being monitored. He was given five years or more to live, and we were ecstatic.
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Why doesn’t travel insurance cover dad’s illness?

When Jessica Kamzik’s father was diagnosed with stomach cancer last summer, there was no question about what she had to do. Dad’s prognosis was “grave” — the doctors said he probably wouldn’t make it to the holidays — and, “as any loving daughter would do, I immediately cancelled our vacation to stay closer to him,” she says.

Good thing she had travel insurance through Access America, she thought. At least she wouldn’t have to worry about losing the cost of her trip.

But she thought wrong.
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