![]() ![]() If you buy travel insurance after a winter or tropical storm has been named, or after the NOAA or a similar agency has issued a warning, your plan won't provide coverage for claims related to that event. However, travel insurance is meant to protect travelers against sudden and unforeseen events - not threats that are already on the horizon when the insurance is purchased. Government authorities order a mandatory evacuation at your destination that is in effect within 24 hours prior to your departure date.The National Oceanic and Atmospheric Administration’s (NOAA) or foreign equivalent has issued a cyclone, hurricane, or typhoon warning at your destination that is in effect within 24 hours prior to your departure date (available only with ).Your tour operator cancels your multi-day tour that was purchased prior to your departure date due to severe weather (or another covered reason).Your travel carrier cannot get you to your original itinerary’s destination for at least 24 consecutive hours from the originally scheduled arrival time due to severe weather (or another covered reason)."I’d better get travel insurance." They end up cancelling their vacation because of the storm - but their insurance claim is denied.Īllianz Global Assistance names several covered reasons for canceling a trip that can be related to severe weather. A few days before they're supposed to leave, the Weather Channel reports that Tropical Storm Teresa is churning toward the island. Kelly and Gus have been looking forward to their 10th anniversary trip to St. You purchased travel insurance when a big storm was already on the horizon. For help, you can call Allianz Global Assistance claim representatives 24 hours a day, seven days a week at 1-88.ģ. This may sound like a lot, but don't get overwhelmed. In short, send everything you can find that relates to your trip cancellation reasons and costs. A letter from the tour operator or an itemized bill from the travel agent stating the non-refundable amounts of the trip costs. ![]() Copy of the supplier's literature that describes penalties.Documentation of refunds received from the travel supplier(s) and/or common carriers.Original unused tickets, copies of invoices, proof of payments, and other documents that substantiate the cost or occurrence of the trip cancellation or interruption.Any explanation of diagnosis along with your original itemized bills, receipts, and proof of other insurance payments.Any appropriate documentation that officially explains the cause of your trip cancellation or interruption.Copy of resort invoice/vacation rental contract or confirmation.Original of any refunds or expense allowances received from your tour operator, travel agency, common carrier, resort, property management company, or other entity.Receipts and itemized bills for all expenses.The list of documentation Allianz Global Assistance requests includes: You need to thoroughly document all of your trip costs, your reason for cancellation and any refunds you may have received. It's not enough to send a credit card receipt or a single invoice. He submits a trip cancellation insurance claim with the original invoice from the tour operator, but his claim is denied. You didn't provide documentation for your trip cancellation reasons and expenses.ĭays before he's set to leave for a two-week tour of Cambodia and Vietnam, Javier is dismayed to hear that his tour operator has gone out of business. If that isn’t possible, a doctor must examine you within 72 hours of your trip cancellation.Ģ. However, a doctor must examine you or your traveling companion and advise that person to cancel the trip - before the decision to cancel is made. If you or your traveling companion suffers an illness, injury or medical condition that's disabling enough to make a reasonable person cancel a trip, Allianz Global Assistance considers that a covered reason for trip cancellation. She submits a trip cancellation insurance claim, but it's denied. Feeling wretched, Anna decides to stay home. The day before she's set to leave, she comes down with a bad case of the flu. You didn't see a doctor before canceling your trip because of illness.Īnna has packed her suitcases to fly to Costa Rica for a week-long vacation. While we understand that everyone's circumstances are unique, here's a look at some of the most common reasons trip cancellation insurance claims are denied.ġ. Travel insurance with trip cancellation benefits is designed to reimburse you for your prepaid, non-refundable expenses in case you have to cancel your trip for a covered reason. ![]()
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