Insurance 2 questions

Tearing a muscle would be medical so both trip cancellation (before trip) and trip interruption (during trip) should apply. You will need a doctor’s statement saying you cannot travel or continue to travel. ALWAYS READ THE POLICY’S FINE PRINT.

Allianz has been recommended a lot on the forum. Because of those recommendations I buy either an annual policy or per trip policy but fortunately have not needed to file a claim. I don’t know anything about Travelex. I buy Medjet for evacuation because it will get me to a facility of my choice; in other words, home.

As posed your questions are impossible to answer.

What IS and what is NOT covered is specific to each policy. I am sure both offer multiple polices.

"tear a muscle" It may be a covered injury, but the policy may exclude injuries sustained while engaged in certain activities, e.g., skydiving, bungee jumping, horseback riding etc. Only having the policy in hand would it be possible to give a worthwhile answer. Otherwise, however well-intentioned a reply might be, it is really just speculation.

Call/contact the carrier and have them answer your question if your reading of the policy does not provide a clear cut answer.

Well, i can guarentee there will be no skydiving or bungee jumping!

IF you decide to go with CFAR know that you will likely only get 60-75% of the money you've paid back AND CFAR also is not really cancel for ANY reason...they have specifics as well.

I have never gotten CFAR because in a long ago conversation with a Travel Guard rep who was explaining the above to me, she kind of convinced me it wasn't worth it!

Most of my reservations are cancellable - hotels, I don't book a non-refundable rate, plane fare - I go with Delta so they will allow cancellation with a credit if you are not booking the rock bottom fares. Tours I book, well that might be lost depending on the tour company.

What kind of expenses are you thinking you'd need to cover?

We have airfare with air canada and 9 day bike/barge trip. Neither is fully refundable.

Hopefully air canada resolved their negotiations this year.

This year we had a scare when my hubby tore a muscle in his tush…hence the question.

Luckily he improved enough to endure the 10 hour plane ride and then 10 days of biking. But at 2 weeks out i figured i was going by myself.

If you incur a new injury where there’s never been a prior injury— then most policies will cover your non-refundable trip costs as long as you can provide a doctor’s note saying the injury is too severe to begin or continue traveling.
If you re-injure an area that was previously injured it can be considered a pre-existing condition and you would need trip cancellation/interruption coverage for pre-existing conditions. These policies are more expensive than basic policies— but not nearly as expensive as CFAR policies. CFAR policies are not only pricey to begin with— they also do not reimburse 100% of the trip costs that are lost as a post above stated.
A CFAR policy— for most travelers—is not what they need.
If you’re concerned about re-injuring an area that was a problem in the past, buying a policy covering pre-existing conditions is a good idea because if the insurance company sees anything in the medical records referring to the right gluteus maximus and the
cause of the trip cancellation is due to a sprain/strain to the right trunk area— the claim will most likely be denied. Keep in mind you only need to insure the nonrefundable costs of your trip. For a trip costing $6,000 with $4,000 in refundable costs and $2,000 in nonrefundable costs—-you only need to pay the freight for $2,000 of coverage and you’ll have all the coverages included in the policy.