Please sign in to post.

New travel insurance question for those with confirmed tours

I’ve seen this asked on several threads but no answers: did you buy or are you buying travel insurance based on your registration date or confirmation date? Most policies only have a 9 to 14 day window to cover pre-existing medical conditions. That window is closing quickly for those of us waiting for confirmation.
Thanks!

Posted by
5 posts

Based on my non-expert understanding and when I purchased insurance, it was based on when the first payment/deposit happened which would be confirmation date for Ricks tours, at least that’s the case for my confirmation.

You could probably call up the insurance company you plan to purchase from and ask just to make sure though.

Posted by
73 posts

I would suggest you research the carriers your considering while waiting. Know who you are going with before the confirmation arrives. Thus you can move instantly upon confirmation.

A contract in most states would be considered complete upon acceptance (confirmation and payment of the deposit- actual payment not just a pending charge) but……no one here can say otherwise without the contract language being available. I would personally feel comfortable with “confirmation” as the booking date but to be totally safe use the reservation request date (actual policy language would control and every insurance contract can and will be different thus making this nearly impossible to answer).

Back to the main point- research now and the buy the day you get the confirmation!

I’m also awaiting confirmation. My policy will be purchased within 30 minutes of receiving the confirmation and within the original window 14 day. Do your policy shopping now.

Posted by
3326 posts

I don't know what credit cards you may carry, but I find that the travel insurance with my premium credit card covers just about the same as a traditional travel policy. You may want to do a little research and see what you have (or don't have) already.

The one type of coverage that I do buy is evacuation coverage with Med-Jet, especially since I plan to travel a lot in the next year. :)

Posted by
1918 posts

I would call the insurance company you plan to use. My tour was confirmed on May 26 and I will call Travel Guard tomorrow to apply my e-voucher from my cancelled tour from 2020 to this tour. I was told one time it was the date you paid but in this case with the gap between the date you paid and the date you were confirmed is a wrinkle only your insurer can answer.
Good luck!
Edit: in thinking this over, it seems reasonable to say you paid on the confirmation date because if your credit card charge was in pending status, then you paid when RS put the charge through. I will be interested to know what you learn.

Posted by
1 posts

Carol, I was glad to see your comment about a credit card that has travel insurance. Our card seems to have pretty good coverage so I was wondering if anyone has actually needed to file a claim using their credit card coverage. Our card is through Chase if anyone has any experiences.

Posted by
1265 posts

Regarding credit card insurance, I don't think it covers pre-existing conditions. It may be adequate in other areas, however. I tried to wade through the legalese awhile back... any experts here?

Posted by
759 posts

"Regarding credit card insurance, I don't think it covers pre-existing conditions."
EVERY credit card is different. Just because one covers X doesn't mean they all do. You have to check your specific credit card and account level. ie not all chase cards provide the same coverage...there are huge swings with coverage even with the same bank.

Posted by
49 posts

The credit card contract is difficult to wade through to determine what is and what is not covered in terms of travel insurance. If you call you cc company they are very helpful in advising what your particular card will cover.

Posted by
1932 posts

I'm "hoping" (and will confirm with the insurer) that my insurer uses the confirmation date. My insurer states that the policy can only be purchased for travel that begins within 365 days. With a still-pending confirmation date, my late spring 2020 tour may just squeeze into the interval that allows me to purchase insurance fewer than 10 days after my confirmation date and fewer than 365 days before the trip start date. That wouldn't be the case if it was based on registration date - just a few days too soon to fall within the interval.

My insurer's language reads "Payments or Deposits means the cash, check, or credit card amounts actually paid for Your Trip."
Since I have not yet "actually paid" (the charge is still pending, I'm hopeful - and will confirm - that it's a gray area in my favor.)

My fall 2022 tour is a different story, well beyond 365 days past the registration date and the (still pending) confirmation date.

Posted by
1926 posts

I booked a tour last week, called Travel Guard the next day after receiving the tour confirmation and used that date along with my voucher from last year. No muss, no fuss and went as smoothly as silk. It was a pleasure to have such an easy process.

Posted by
1932 posts

Interestingly, my insurer (Nationwide) specifically notes that payment in the form of a voucher is not considered the initial payment or deposit, for purposes of the pre-existing coverage clause clock or any other provisions.

"Payments made in the form of a certificate, voucher or discount are not Payments or Deposits as defined herein."

Perhaps because they do not cover the value of the voucher. (I don't have a voucher, so I haven't researched this.)

Posted by
759 posts

I suspect andi is discussing using a voucher as the form of payment for the Insurance Policy and not the insured tour/trip. Every policy will have different language and reasons (in the insurers eyes) for the difference.

Posted by
1926 posts

You are correct, onefastbob. Thank you for clarifying. Basically I had to pay an extra $2 as I had a birthday since my initial policy!

Posted by
3522 posts

I'll let Travel Guard choose. RS charged my CC on 5/30/21 and I got my confirmation today. I'll be able to use my vouchers in plenty of time to get the pre-existing conditions coverage.

I bought the insurance for my canceled 2020 trip in the fall of 2019 when I was 73. I'm now 75. It will be interesting to see how that will affect how far my vouchers will go. 🤑

Posted by
41 posts

Lo,

My husband would have been 69 and now he will be 71. The rates went up $150 for us.

Posted by
96 posts

Curious as to why everyone's getting travel insurance so quickly after making a deposit when Rick Steves said they can refund deposits for 2022 tours if you book by December. Why not get travel insurance after December and save the money for now? I would just make sure you get insurance before you book airfare and pay the tour balance. Or please let me know if I've missed something or there's something I'm not aware of here! :)

Posted by
1233 posts

Jill, most travel insurance companies have a pre-existing medical waiver that will be in effect if you buy insurance between 9 and 20 days (depending on the company) from the time you pay your deposit. You may be able to buy insurance up until your trip but any pre-existing medical condition will not be covered.

Posted by
759 posts

Jill- horsewoofie is directly on point. Pre-Existing Conditions waiver. If your 40 and healthy, not an issue. 60 and on some prescriptions it can become an issue. So yes, you can cancel tours until 12/31...but you might lose out on the insurance premium paid (which can be expensive).

Posted by
219 posts

With Travel Guard (and probably others), you can buy $400 worth of coverage now for a small premium, and add coverage as you pay for additional travel/tour costs.

Also look into annual policies if planning more than one trip per year. Some of those don't require immediate payment.

Posted by
96 posts

Ah, thanks for the clarification. So this is about the medical coverage if you have pre-existing conditions vs. recouping the trip costs if something goes wrong medically. Thanks for pointing this out as I was not even aware!