Originally Posted by
ijgordon
A few thoughts:
There also should be separate travel policies that mainly cover medical (YMMV by state though) where the trip cost doesn't really factor into the premium, rather the coverage levels and probably the length of the trip.
Lastly, medical evacuation can be notoriously difficult/not useful - it only pays when it's "medically necessary" and only gets you to the nearest acceptable hospital. Now, on safari or on a ski trip where you might be somewhere "remote" that could require heli transport to a hospital, it probably would come in handy. But you might also want to consider a service like MedJet Assist, which will get you HOME if you're admitted to a hospital anywhere in the world. So if you shatter your knee hiking on safari, you won't have to spend 3 weeks recuperating in Kenya and they'll get you home as soon as practical, for a fairly modest cost.
Thank you! Yes, my intention is to get medical/evacuation insurance in a separate travel insurance plan and hopefully have some coverage via credit cards for the "trip cost". Looking into MedJet Assist as well.
Originally Posted by
SpaethCo
I recently picked up insurance for a Christmas Mediterranean cruise we are taking and the supplier we used (TravelInsured) offered both Cancel for Any Reason and Interruption for Any Reason options to the trip policy. As part of trip interruption they will pay for the cost of flights to get you to your tour/cruise or back home in the original class booked, although the "for any reason" option is capped at 75% of the total insured trip cost. Even without the "For Any Reason" provisions, the TravelInsured policy covers 30 non-health hazards in addition to 3 health-related hazards for a base total of 33 situations in which you can make a claim. By comparison, Amex offers 7 covered hazards, and they are very specific and narrow.
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I'll look into a TravelInsured policy, thanks!
Originally Posted by
emcampbe
Chase at least will cover the full cost of tickets if you don’t end up using the credits. Ie, if you cancel for a covered reason, you can claim the cancelation fee (if applicable) if there is one, then a year after issue, if you haven’t used the leftover, you can claim that cost as well in a follow up claim.
This is interesting, have you done this before? Everyone pretty much says they put their airline tickets on Amex Plat vs CSR, if this is how Chase handles these claims, given the current state of airline reliability maybe it is better to buy it on CSR?
Probably not online. I emailed the airline customer service specifically requesting this, then attached that email to my claim. I also included a note to the adjuster summarizing that I no longer wanted to travel and was rejecting any future flight credit.
Claim was promptly paid, no questions asked.
Very interesting, thanks for sharing! Can you share any additional details? I'm assuming this was for a covered reason and if for whatever reason the claim got denied you would've lost out on the airline credits as well?