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Allianz "Trip Insurance" - Merry Xmas & Screw you

Discussion in 'General Travel and Vacation Discussions' started by Kharon, Dec 26, 2018.

  1. Hoag

    Hoag Loggerhead Turtle

    # of Dives: 200 - 499
    Location: Ontario
    1,478
    1,107
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    If you are a AAA member, look into their travel insurance. I bought some a couple years ago when I had booked a trip on the Aquacat in what turned out to be a very active hurricane season and I wanted to be sure that the insurance would cover it. I can't remember what it cost, but it allowed for reimbursement of actual costs incurred (including those associated with a LOB).

    The silver lining, to all of this is that you have time to research what insurance will best suit your needs before the next trip.
     
  2. BRT

    BRT Giant Squid

    11,404
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    A $100 premium for a $500 ticket means you expect to bail on at least 1 in 5 flights. Or that you expect the insurance company to make a lot of money. Why not self insure?
     
    chillyinCanada and Lorenzoid like this.
  3. KathyV

    KathyV Orca

    # of Dives: 500 - 999
    Location: Midwestern US
    5,111
    3,125
    113
    @Kharon, did you contact your credit card company? They sometimes cover things like car rental insurance and may be able to advise or assist you or put pressure on the insurance company.
     
    chillyinCanada likes this.
  4. KathyV

    KathyV Orca

    # of Dives: 500 - 999
    Location: Midwestern US
    5,111
    3,125
    113
    It's really important to understand what is covered and what isn't when buying any insurance. So that you can weigh the pluses and minuses, and to know what you need (and don't need) to buy. Nobody likes buying insurance because it is expensive and you probably won't need it, but it can come in handy when you do need it.

    I just took a look at the insurance we purchased from Travel Guard (Silver Policy) before our trip to the Caymans in Oct/Nov. Below are screen shots summarizing the coverage and information about the travel cancellation policy, and I believe that we would have been covered, for the amount/items insured, if we had to cancel due to a medical emergency like @Kharon.

    We paid $320 to cover both of us with this policy and my comment about "for the amounts/items insured" is an important factor when picking travel insurance. I am no expert but I do try to review the coverage, ask questions, and make an informed decision. I have never had to put it to the test (fortunately!) but I hope that I've gotten it right.

    I used the total cost of our lodgings on Grand Cayman and at our all-inclusive resort/dive package on Cayman Brac as the basis for the coverage needed, because those were the big ticket expenses. I did NOT include airfares because we used our credit card air miles to pay for our airfares, so that would have increased the insurance costs if included. I also did NOT include car rental insurance, because our credit card covers most of the car rental insurance and we only needed to buy liability insurance from the rental car agent.

    We also did not pay extra for "adventure sport" insurance because scuba accidents are covered under the main policy and we also take the mid-level DAN dive insurance.

    But I did add upgrade coverage for "emergency evacuation and repatriation" for an extra charge because that is important to us. It's great to transport us to the nearest hospital for emergency care, but I want to decide where we go for treatment after we are stabilized.

    I have a non-diver friend who was in a bad car accident with his family on vacation. They were traveling in the South Pacific and needed helicopter transport to an emergency medical center. After they were stabilized the costs of flying his family back home was very high. His wife and daughter had been badly injured and each needed a full row of seats in the airplane to lie prone during the long trip back. So now I try to plan for "after the injury/illness" and think about the trip home and getting to a medical center of our choice.

    We always designate family members as individuals able to make decisions for us if we are not capable - and we give them a copy of the insurance policy and itinerary before we leave town.

    Another important factor is to buy the insurance quickly (within 2 weeks) after you book your trip, because rates will be lower and more coverage options are likely to be available. When you get nearer to the departure date the rates go up and the options become more limited because the insurance company figures "something must be going on with this guy!" if you are suddenly looking for insurance close to the date of departure.

    Trip insurance may be a waste of money, but I hope not. I feel better knowing that we have some protection. Everybody has to make their own best decision.

    TravelGuard2018.jpg

    TravelGuard2018_1.jpg
     
    Kharon, Altamira, JackD342 and 2 others like this.
  5. chillyinCanada

    chillyinCanada Solo Diver Staff Member

    17,944
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    I haven't been able to insure my last few trips for cancellation as to the lob portion because my AMA will only insure for qualified bookers or some such. As for the flights, they're refundable or at least reusable at a later date. My greatest concern has been losing the lob portion but so far so good.
     
  6. Altamira

    Altamira Loggerhead Turtle

    # of Dives: 200 - 499
    Location: Canyon Lake, TX
    1,700
    1,508
    113
    I hated to hear of Kharon's problem, but his story does encourage the rest of us to pay attention to the details of whatever insurance policy we might purchase in the future. It's the details in the fine print that always seem to bite us in the butt. Several years ago, I was reading the fine print on DAN's travel insurance policy (not the Dive Accident Insurance), only to see that the DAN trip insurance did not cover trip losses if you were not diving with a DM/Instructor or were diving below a certain depth (60' if I remember). After I pointed out that issue to SB members, and followed that up with a letter of complaint to DAN, they eventually changed the wording in the that clause of the policy. I still wonder how long that idiotic policy had been in place, with divers not realizing a standard rec dive might not have been covered in conditions that a lot of us would be routinely using. So, thanks to Kharon posting about his loss, we are all reminded not to take anything for granted with reference to insurance policies written by lawyers.
     
    Kharon and KathyV like this.
  7. Hoag

    Hoag Loggerhead Turtle

    # of Dives: 200 - 499
    Location: Ontario
    1,478
    1,107
    113
    Try CAA. I was able to insure my Aquacat trip. (To be honest, IIRC, I bought insurance for a trip valued at $XXXX and they would reimburse the insured amount. It didn't matter whether it was a LOB, or a hotel. They simply based their premiums on what they would have to pay out if the trip was cancelled.)
     
    KathyV likes this.
  8. Dogbowl

    Dogbowl Loggerhead Turtle

    # of Dives: None - Not Certified
    Location: Somewhere
    2,587
    1,673
    113
    Just as an FYI, Dive Assure has an option of an LOB rider that covers the cost of LOB up to 10k. It also covers lost dives up to a certain amount. I nearly sprung for it but decided last minute not to. Had I bought it, I would’ve claimed the lost dives as I had sinus/equalization issues on several days of my LOB which prevented me from diving.
     
    Hoag and KathyV like this.
  9. Kharon

    Kharon Solo Diver

    # of Dives: 200 - 499
    Location: Upstate NY
    3,942
    3,494
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    Duh. At the price of the premium I was paying for "TRIP" insurance I expected the trip to be covered. I was stupid. If I had thought the risk/reward ratio was so skewed to the insurance side, obviously, I wouldn't have bought it.
     
  10. tridacna

    tridacna ScubaBoard Supporter ScubaBoard Supporter

    # of Dives: 2,500 - 4,999
    Location: New Jersey
    5,929
    2,972
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    Never play roulette in a casino or buy trip insurance. Both are heavily skewed against you. I have DAN and health insurance. Trip insurance? Not so much. Getting the insurance that you NEED is always too expensive. Dive shops and travel agents get a small fee when they sell insurance - it’s free money.

    You never knew what you bought and when the shlt hit the fan, you called them fraudulent.
     
    jgttrey and BRT like this.

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