Does travel insurance have too many exceptions?
Catherine Markland assumes her travel insurance policy will cover her canceled tour. But it doesn’t. Can her trip be saved?
Catherine Markland assumes her travel insurance policy will cover her canceled tour. But it doesn’t. Can her trip be saved?
When Jessica Kamzik’s father was diagnosed with stomach cancer last summer, there was no question about what she had to do. Dad’s prognosis was “grave” — the doctors said he probably wouldn’t make it to the holidays — and, “as any loving daughter would do, I immediately cancelled our vacation to stay closer to him,” she says.
When Cheryl Ellis’ mother dies unexpectedly before her vacation, she’s told by her insurance company to cancel her trip and that the claim will be taken care of. But it isn’t — instead, it’s denied because of a pre-existing condition. But her mother died of natural causes. What now?
We’ve already reviewed who needs travel insurance and where to find it, but how do you know if you’re getting a good deal?
Gennaro Ottomanelli and his wife were left left high and dry when his riverboat cruise was canceled at the last minute. His AAA travel agent offered two choices: Either cancel his vacation or go on the substitute bus tour. He decided to stay home, hoping to get a refund.
Looks like Palm Coast Travel, the Boca Raton, Fla., agency accused by the state of Florida of selling unauthorized travel insurance, while at the same time trying to sue one of its own customers and me into silence, has quietly negotiated a settlement with insurance regulators.
Florida’s Department of Financial Services is in the early stages of a far-reaching investigation into the activities of Palm Coast Travel and its affiliated companies, according to documents released this week under the state’s Public Records Act.
As I reported last week, Palm Coast Travel and its companies, including Smartcruiser.com, are headed to a hearing with a Florida administrative law judge to determine if it sold unlicensed travel insurance. This is an important story, because fake “trip protection” policies are known to have been sold to people across the country for years, potentially costing travelers millions of dollars in lost vacations.