K
KeithG
Guest
This is a great example of reading the fine print and then understanding that the price of your insurance is directly linked to what it covers. The lower the cost, the less it covers. There is no free lunch. Lost cost insurance will have exclusions. You got caught by an exclusion.So I purchased trip insurance from DAN for our Cayman Brac Scubaboard surge trip in Jan of this year. Our flight was cancelled because of a problem at the airport (fire truck had overturned and jets were unable to land). We were rescheduled for a flight to a different island, arriving at 9pm then a second flight the next morning to Brac arriving at 8am.
Turns out that our claim was refused because despite the flight being cancelled, it was not cancelled due to mechanical or plane problems. Go figure. It's the 1st time I've purchased trip insurance. Bottom line, in addition to the trip insurance I paid 500 for new flights. The way I saw it that was cheaper than missing 1 day AI + hotel cost + missing 1 day diving. Pretty sure that is the end of trip insurance for me.
My new insurance will be one more day of vacation!!! What a great idea!!!
Our annual travel insurance has no exclusions on trip interruption (other than the sane ones like war, suicide, drug abuse,...). We have made several claims over the years. For our last claim we got stuck in Boston after weather closed the Toronto airport and our flight home out of Boston was cancelled until the next day since the flight crew would be off the clock by the time the Toronto delay had cleared. All we had to do was submit proof that the flight was cancelled, the reason why did not matter. Insurance covered our out of pocket expenses for an extra day in Boston - hotel, food, transportation to / from airport.
On the downside, our annual policy costs more. It covers more, it costs more. We did look at the DAN products many years ago and decided they had too many exclusions and went with a premium product.