Travel Insurance for Students, STA Travel, Travel Insurance, travel insurance cancel

Travel Insurance

Travel insurance cancel for any reason

Don’t let the unexpected ruin your travel budget

Protect your financial investment and yourself now with STA Travel’s International Student – Travel Insurance policy. Many airline tickets, tours and hotel reservations don’t allow refunds, and can be costly to change. Our travel insurance plan will help you recover the cost of your trip if you have to cancel for a covered reason, like an illness or injury.

Get covered if.

You get sick and have to cancel your trip: Your International Student Travel Plan reimburses you for your non-refundable trip costs up to the limit selected. Be sure the Trip Total Cost Limit you select covers all of your non-refundable travel purchases like plane tickets, tours and hotels!

Travel insurance cancel for any reason

Travel insurance cancel for any reason

Travel insurance cancel for any reason

Standard International Travel Insurance Coverage

Travel insurance cancel for any reason

Travel insurance cancel for any reason

Travel insurance cancel for any reason

100% of trip cost insured

available for trips up to $10,000

100% of trip cost insured

available for trips up to $10,000

100% of trip cost insured

available for trips up to $10,000

Includes lost Passport Visa Replacement Costs

Yes (Conditions Apply)

Yes (Conditions Apply)

Multi-trips within 1 year

1 trip, up to 6 months

1 trip, up to 6 months

Get Complete Policy Details:

Get Complete Policy Details:

Get Complete Policy Details:

Travel insurance cancel for any reason

* Injury, sickness, or death to you, a family member or traveling companion.

* Inclement Weather or Natural Disasters

* Terrorist Attack and Unannounced Strikes

* Bankruptcy of the common carrier

* Stolen passports or visas

Get many insurable issues encountered while traveling instantly paid for

thus avoiding the need for claims reimbursement

When purchased within 24 hours of your final payment for covered trip

$150 per day, maximum $500

You have 14 days from the date of purchase to decide whether or not you want to keep the policy. As long as you send us written notice within those 14 days asking to cancel and have not filed a claim, you will receive a full refund with no questions asked.

Disclaimer: All U.S. residents residing in the U.S. are eligible for policies except residents of New Hampshire, Massachusetts and Puerto Rico.

Travel insurance cancel for any reason

Travel insurance cancel for any reason

Compare our unique insurance plans here

Like STA Travel? Spread the word!

Travel insurance cancel for any reason Travel insurance cancel for any reason Travel insurance cancel for any reason Travel insurance cancel for any reason Travel insurance cancel for any reason Travel insurance cancel for any reason Travel insurance cancel for any reason

AIRFARE TERMS AND CONDITIONS:

Sample airfares posted on statravel.com are per person and include all applicable taxes, fees and surcharges including, but not limited to: September 11th Security Fee of up to $5.00 for each flight segment originating at a U.S. airport; Passenger Facility Charges of up to $18, depending on itinerary; Federal Segment Fees of $3.90 per segment; airline-imposed fuel surcharges of up to $800; foreign and U.S. Government-imposed charges of up to $400 per international round-trip flight; and STA Travel Booking Fees of up to $30; Taxes, fees and surcharges vary depending on routing, cabin of service, and destination. A flight segment is defined as one takeoff and one landing. Fares are subject to availability and change without notice.

  • Travel insurance cancel for any reason
  • Travel insurance cancel for any reason

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09/04/2018

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Is – Cancel for any reason – coverage worth it, Travel

Is ‘Cancel for any reason’ worth it?

Travel insurance cancel for any reasonIt depends. Many vacation travelers find the ‘cancel for any reason’ coverage gives them the best protection for their financial investment in situations where their standard cancellation coverage doesn’t provide coverage.

Specifically, ‘Cancel for any reason’ lets you cancel your trip up to two days before departure and receive reimbursement for all or most of your pre-paid nonrefundable trip expenses no matter what the reason for cancelling.

This coverage costs a little more, but if you think you may have to cancel your trip for a reason that is not listed in the covered reasons for trip cancellation, you may find the cost is worth it.

When is Cancel for any reason useful?

Let s discuss a few examples where you might find this coverage a good idea. If you find a travel insurance plan with the right amount of coverage for your trip, but you look at the covered reasons for trip cancellation and the exclusions and notice that you can t get reimbursement under the standard trip cancellation benefit for:

  • travel arrangements canceled by an airline or cruise line
  • financial circumstances of the insured, a traveling companion, or a family member
  • any government regulation or prohibition

These are just a few examples of trip cancellation exclusions that may be in your plan s description of coverage.

So, what happens if you book an expensive cruise with a few college buddies and then discover later that your boss s child is very ill and you will be expected to attend a crucial business meeting in her stead? This particular situation is not covered under standard trip cancellation coverage, and if you are unable to make a change to the business meeting, you could be out several thousands of dollars.

It s situations like this where travelers appreciate having Cancel for any reason on their travel insurance policy.

Important notes about this coverage

  • It’s important to note that this coverage typically requires advance purchase within a certain number of days (usually 10-15) of making your initial trip deposit. So, if you’re going to purchase this coverage, get your vacation travel insurance plan purchased quickly.
  • This coverage typically must be purchased when you purchase the travel insurance plan; it s not something that can be added on later.
  • Coverage amounts vary from 50%-100% of a traveler s nonrefundable trip costs, and in some cases, the coverage is subject to a cancellation penalty. See Understanding Cancellation Penalties for more information.

See a full review of Cancel for any reason coverage and a list of travel insurance plans that offer this coverage.

Related topics

How to save money and find the best travel insurance

Use a comparison tool to get quotes for all plans, easily compare, and buy online

  1. 1. Click the big orange button below: This will take you to the comparison tool
  2. 2. Enter your trip details: Dates, travelers, cost, etc. then click the Quote Now button
  3. 3. Use the tools to narrow your choice: Use the Filtering and Compare features to pick a plan
  4. 4. Buy online: After selecting a plan, use a credit card to securely enroll online
  5. 5. Rest assured: Instant confirmation of coverage and 10 Money Back guarantee

Purchase Your Plan Now Instantly quote, compare, and buy securelyHow it worksPurchase Your Plan Now Instantly quote, compare, and buy securelyHow it works

About this website

Travel insurance cancel for any reasonMy name is Damian, and I started this website in 2006 to help travelers understand travel insurance.

The site features company reviews, guides, articles, and many blog posts to help you better understand travel insurance and pick the right plan for your trip (assuming you actually need travel insurance).

I am also a licensed travel insurance agent, and you can get a quote and purchase through this site as well.

Travel insurance cancel for any reason

Travel insurance cancel for any reason





09/04/2018

Posted In: NEWS

Tags: , , , , ,

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Travel Insurance for Students, STA Travel, Travel Insurance, travel insurance cancel

Travel Insurance

Travel insurance cancel for any reason

Don’t let the unexpected ruin your travel budget

Protect your financial investment and yourself now with STA Travel’s International Student – Travel Insurance policy. Many airline tickets, tours and hotel reservations don’t allow refunds, and can be costly to change. Our travel insurance plan will help you recover the cost of your trip if you have to cancel for a covered reason, like an illness or injury.

Get covered if.

You get sick and have to cancel your trip: Your International Student Travel Plan reimburses you for your non-refundable trip costs up to the limit selected. Be sure the Trip Total Cost Limit you select covers all of your non-refundable travel purchases like plane tickets, tours and hotels!

Travel insurance cancel for any reason

Travel insurance cancel for any reason

Travel insurance cancel for any reason

Standard International Travel Insurance Coverage

Travel insurance cancel for any reason

Travel insurance cancel for any reason

Travel insurance cancel for any reason

100% of trip cost insured

available for trips up to $10,000

100% of trip cost insured

available for trips up to $10,000

100% of trip cost insured

available for trips up to $10,000

Includes lost Passport Visa Replacement Costs

Yes (Conditions Apply)

Yes (Conditions Apply)

Multi-trips within 1 year

1 trip, up to 6 months

1 trip, up to 6 months

Get Complete Policy Details:

Get Complete Policy Details:

Get Complete Policy Details:

Travel insurance cancel for any reason

* Injury, sickness, or death to you, a family member or traveling companion.

* Inclement Weather or Natural Disasters

* Terrorist Attack and Unannounced Strikes

* Bankruptcy of the common carrier

* Stolen passports or visas

Get many insurable issues encountered while traveling instantly paid for

thus avoiding the need for claims reimbursement

When purchased within 24 hours of your final payment for covered trip

$150 per day, maximum $500

You have 14 days from the date of purchase to decide whether or not you want to keep the policy. As long as you send us written notice within those 14 days asking to cancel and have not filed a claim, you will receive a full refund with no questions asked.

Disclaimer: All U.S. residents residing in the U.S. are eligible for policies except residents of New Hampshire, Massachusetts and Puerto Rico.

Travel insurance cancel for any reason

Travel insurance cancel for any reason

Compare our unique insurance plans here

Like STA Travel? Spread the word!

Travel insurance cancel for any reason Travel insurance cancel for any reason Travel insurance cancel for any reason Travel insurance cancel for any reason Travel insurance cancel for any reason Travel insurance cancel for any reason Travel insurance cancel for any reason

AIRFARE TERMS AND CONDITIONS:

Sample airfares posted on statravel.com are per person and include all applicable taxes, fees and surcharges including, but not limited to: September 11th Security Fee of up to $5.00 for each flight segment originating at a U.S. airport; Passenger Facility Charges of up to $18, depending on itinerary; Federal Segment Fees of $3.90 per segment; airline-imposed fuel surcharges of up to $800; foreign and U.S. Government-imposed charges of up to $400 per international round-trip flight; and STA Travel Booking Fees of up to $30; Taxes, fees and surcharges vary depending on routing, cabin of service, and destination. A flight segment is defined as one takeoff and one landing. Fares are subject to availability and change without notice.

  • Travel insurance cancel for any reason
  • Travel insurance cancel for any reason

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04/02/2018

Posted In: NEWS

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Is – Cancel for any reason – coverage worth it, Travel

Is ‘Cancel for any reason’ worth it?

Travel insurance cancel for any reasonIt depends. Many vacation travelers find the ‘cancel for any reason’ coverage gives them the best protection for their financial investment in situations where their standard cancellation coverage doesn’t provide coverage.

Specifically, ‘Cancel for any reason’ lets you cancel your trip up to two days before departure and receive reimbursement for all or most of your pre-paid nonrefundable trip expenses no matter what the reason for cancelling.

This coverage costs a little more, but if you think you may have to cancel your trip for a reason that is not listed in the covered reasons for trip cancellation, you may find the cost is worth it.

When is Cancel for any reason useful?

Let s discuss a few examples where you might find this coverage a good idea. If you find a travel insurance plan with the right amount of coverage for your trip, but you look at the covered reasons for trip cancellation and the exclusions and notice that you can t get reimbursement under the standard trip cancellation benefit for:

  • travel arrangements canceled by an airline or cruise line
  • financial circumstances of the insured, a traveling companion, or a family member
  • any government regulation or prohibition

These are just a few examples of trip cancellation exclusions that may be in your plan s description of coverage.

So, what happens if you book an expensive cruise with a few college buddies and then discover later that your boss s child is very ill and you will be expected to attend a crucial business meeting in her stead? This particular situation is not covered under standard trip cancellation coverage, and if you are unable to make a change to the business meeting, you could be out several thousands of dollars.

It s situations like this where travelers appreciate having Cancel for any reason on their travel insurance policy.

Important notes about this coverage

  • It’s important to note that this coverage typically requires advance purchase within a certain number of days (usually 10-15) of making your initial trip deposit. So, if you’re going to purchase this coverage, get your vacation travel insurance plan purchased quickly.
  • This coverage typically must be purchased when you purchase the travel insurance plan; it s not something that can be added on later.
  • Coverage amounts vary from 50%-100% of a traveler s nonrefundable trip costs, and in some cases, the coverage is subject to a cancellation penalty. See Understanding Cancellation Penalties for more information.

See a full review of Cancel for any reason coverage and a list of travel insurance plans that offer this coverage.

Related topics

How to save money and find the best travel insurance

Use a comparison tool to get quotes for all plans, easily compare, and buy online

  1. 1. Click the big orange button below: This will take you to the comparison tool
  2. 2. Enter your trip details: Dates, travelers, cost, etc. then click the Quote Now button
  3. 3. Use the tools to narrow your choice: Use the Filtering and Compare features to pick a plan
  4. 4. Buy online: After selecting a plan, use a credit card to securely enroll online
  5. 5. Rest assured: Instant confirmation of coverage and 10 Money Back guarantee

Purchase Your Plan Now Instantly quote, compare, and buy securelyHow it worksPurchase Your Plan Now Instantly quote, compare, and buy securelyHow it works

About this website

Travel insurance cancel for any reasonMy name is Damian, and I started this website in 2006 to help travelers understand travel insurance.

The site features company reviews, guides, articles, and many blog posts to help you better understand travel insurance and pick the right plan for your trip (assuming you actually need travel insurance).

I am also a licensed travel insurance agent, and you can get a quote and purchase through this site as well.

Travel insurance cancel for any reason

Travel insurance cancel for any reason





03/02/2018

Posted In: NEWS

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Cancel For Any Reason, Change Your Mind Travel Insurance #vegas #travel

#travel insurance cancel for any reason
#

Cancel For Any Reason Travel Insurance Plans

The Cancel For Any Reason is just that cancelling your entire trip for a reason that is normally not covered (e.g. changing your mind). It s not Delay For Any Reason nor Interrupt For Any Reason .

Read Steve s helpful Blog post called Cancel Your Plane Ticket Or Pay The Change Fee? to learn how to correctly cancel your plane ticket so your Cancel For Any Reason coverage reimburses you for your airfare .

Here are some common trip cancellation reasons that aren t covered by Travel insurance as a standard reason, yet are covered by a Cancel For Any Reason Plan. Any of these events (and a lot more) are covered by a Cancel For Any Reason Plan:

  • You want to cancel your trip because you don t feel safe at your destination. With the rise of global terrorism, there are a lot of places in the world that were fine to visit, but now they can give you pause.
  • Along these lines, Civil Unrest and War aren t covered. If these things are happening at your destination, you probably won t want to go on your trip, either.
  • You just don t feel right about leaving. Maybe you just have a feeling it s not a good time to go on your trip. Ever had that feeling and you were glad you listened to it? I have: I was very close to my Paternal Grandparents. On August 29, 1997 I had a strong feeling I should, without delay, visit my Grandma who lived 200 miles away. I left immediately and had the best visit I ever had with her! Exactly 2 weeks later she died in her sleep. And, I was privileged to give the eulogy at her funeral.
  • You change your mind and don t want to go on your trip
  • You get a new job and your boss won t let you have the time off
  • Your adult children are idiots and their melodramas might cause you to cancel your trip
  • Your child or grandchild s team which is normally in last place is now in the State Championship Finals
  • Your already approved vacation comes at a bad time and you know it would be better if you didn t take your trip
  • Even though you and your significant other are madly in love , you still want to have a way out (maybe that plants a seed of discord?). More on this below .

Here Are The Purchase Deadlines:

  • The CSA Freestyle Luxe deadline is no later than 24 hours after your initial trip payment
  • The Travel Guard Gold s Travel Guard Platinum s deadline is no later than 14 days after the date you made your initial trip payment
  • The MH Ross Complete plan s deadline is no later than 15 days after the date you made your initial trip payment
  • The Travel Insured Plus and plans deadlines are no later than 21 days after the date you made your initial trip payment
  • The Travelex Max plan s deadline is no later than 30 days after the date you made your initial trip payment

All plans require:

  1. You insure 100% of your expected prepaid trip costs that would be non-refundable if you got hit by a cement truck on the day you were leaving for your trip and had to cancel at the last minute. Note this exception. The MH Ross Complete and TravelSafe Classic Plus plans allow you to insure the full prepaid cost of any specific travel arrangement without having to insure the full value of all your travel arrangements. For example, if you are flying to a cruise and you select Air / Cruise as your Type of Trip on the purchase application, you have to insure 100% of the cost of the airfare and the cruise to have CFAR coverage on the air and cruise. If you just insure the cruise, but not the full prepaid cost of the airfare you won t have CFAR on the air and cruise.;
  2. You also insure within 14 30 days (depending on the plan) of the payment for those arrangements including the cost of any subsequent arrangements (or any other subsequent arrangements not made through your travel agent) added to your Trip; and
  3. You are not disabled from travel at the time you pay your premium and
  4. You cancel your Trip more than two days (MH Ross, Travelex Max TravelSafe) or forty-eight hours (CSA, Travel Guard Travel Insured) prior to Your Scheduled Departure Date. Tip: 48 hours does not equal 2 calendar days. Click here to see why not .

Important: There will be no coverage available under the Optional Cancel For Any Reason Benefit, if purchased if you insure an amount less than your total prepaid trip costs that are subject to any scheduled penalty on your Departure Date.

This is handy to know: I use the term scheduled penalty below. A scheduled penalty is the total amount of money you d lose at the time you cancel your trip. Cruises Tours typically have a penalty schedule. And if you have a non-refundable airline ticket the entire cost will be the penalty because technically you can t get any of your money back if you cancel your trip.

Here s a big drawback (besides the price the fact you don t get a 100% refund) in the Cancel For Any Reason coverage:

A trip cancellation claim that is paid under the Cancel For Any Reason coverage means that any benefit you would get from cancelling your trip for a covered reason is lost. For example:

  • 2 people (significant others) are sharing a cabin on a cruise
  • Even though they are madly in love they still get Cancel For Any Reason coverage (maybe that plants a seed of discord?)
  • They have a falling out and one of them cancels their trip using their Cancel For Any Reason benefit
  • The other person does not receive the benefit (as in getting any money from the claim) of the additional cost incurred during the Covered Trip as a result of a change in the per person occupancy rate (single supplement ).

If you carefully examine this policy wording, you ll see what I mean: (italics mine)

The Company will reimburse You, up to the maximum shown on the Confirmation of Coverage for Trip Cancellation, for the additional cost incurred during the Covered Trip as a result of a change in the per person occupancy rate for prepaid travel arrangements if a person booked to share accommodations with You has his/her Covered Trip delayed, canceled, or interrupted for a covered reason and You do not cancel.

The reason the traveler still going on the trip doesn t get their single supplement costs paid in a claim is because the Cancel For Any Reason coverage allows a person to cancel for a not-covered reason .

Here s how much these plans reimburse you if you use the Cancel For Any Reason benefit:





09/09/2017

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Any Reason Trip Cancellation Insurance #mexico #travel #deals

#travel insurance cancel for any reason
#

Cancel for Any Reason Trip Insurance

Sometimes things happen between the time you booked your trip and your departure date. Important things, like your child’s soccer team unexpectedly advancing to the playoffs, are worth changing your plans. Or maybe this year the slopes are bare and you just don’t want to take that annual ski trip.

For the times you may need to cancel your trip for a reason that’s not typically covered by traditional trip cancellation insurance. there is Cancel For Any Reason coverage.

With this optional coverage, you can cancel your trip for any reason, as long as your documented cancellation occurs at least 48 hours prior to your scheduled departure. You’ll then be reimbursed for 75% of non-refundable trip costs.

For example, with Cancel for Any Reason coverage, RoamRight will reimburse you for:

  • Non-refundable cancellation charges imposed by the travel suppliers
  • Airfare cancellation charges for flights commencing within one week of the land/sea arrangements
  • If your travel supplier cancels your trip, you are covered up to the cost of the ticket or the reissue fee charged by the airline for the tickets. You must have covered the entire cost of the trip, including airfare

You can purchase Cancel For Any Reason trip insurance up to 21 days after your initial trip deposit for the Elite. Preferred , Adventure and Active RoamRight travel insurance plans. Simply check the box to add this important optional coverage to your policy during the checkout process. To help find out if this extra coverage is right for you and your trip, ask one our representatives via live chat today.





08/09/2017

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Lifetime airline passes: Fly anywhere, any time, for life #travel #reservations

#airline travel tickets
#

Fly anywhere, any time, for life

Add this article to your reading list by clicking this button

IN THE early 1980s, American Airlines, strapped for cash, decided to start selling passes for unlimited first-class travel for life. At the time, the passes cost $250,000 (around $600,000 in today’s dollars), with a companion ticket available for an extra $150,000 and discounts for older people. The Los Angeles Times explains what happened next :

“We thought originally it would be something that firms would buy for top employees,” said Bob Crandall, American’s chairman and chief executive from 1985 to 1998. “It soon became apparent that the public was smarter than we were.”

The unlimited passes were bought mostly by wealthy individuals, including baseball Hall-of-Famer Willie Mays, America’s Cup skipper Dennis Conner and computer magnate Michael Dell.

Mike Joyce of Chicago bought his in 1994 after winning a $4.25-million settlement after a car accident.

In one 25-day span this year, Joyce flew round trip to London 16 times, flights that would retail for more than $125,000. He didn’t pay a dime.

“I love Rome, I love Sydney, I love Athens,” Joyce said by phone from the Admirals Club at John F. Kennedy International Airport in New York. “I love Vegas and Frisco.”

In other words, Mr Joyce, who paid around $1m for his airpass, made back one-eighth of its cost in less than a month. If this seems like it was a fantastic deal for people who could afford it, that’s because it was. (AA stopped selling the passes regularly in 1994, although it did offer them again in 2004, in the Neiman-Marcus catalogue, for $3m each. None sold.) It was such a good deal for flyers—who also earned airline miles on each flight—that American started regretting it. In 2007, the airline began investigating its passholders, to see if any were taking improper advantage of the programme.

You can click through to the Times piece to find out the outcome of AA’s investigation. But there’s a lot to learn from this story. It illustrates how having the money to make significant investments when opportunities arise can pay off enormously in the long-run. It demonstrates that savvy consumers really can take advantage of enormous corporations if the corporations make silly mistakes. (What’s really shocking is how long American kept this deal going—it took nearly a decade and a half for the airline to realise it was getting the short end of the stick.) And it shows how much some people love to fly. If AA or another airline ever offers this kind of deal for that kind of price again, it’s worth considering if you have the resources and expect to live long enough to take advantage of the deal. After all, it’s way cheaper than having your own private jet—and you don’t have to pay the pilots or the staff.

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25/08/2017

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How to Use an ATM to Deposit Money: 13 Steps (with


#

How to Use an ATM to Deposit Money

Verify that the ATM accepts deposits placed in an envelope. Smaller ATMs and those at non-bank locations such as convenience stores or restaurants may not have this function. If it does not have a marked slot for dispensing and/or accepting envelopes, it does not accept envelope deposits.

  • Some modern bank ATMs may only accept non-envelope deposits. See elsewhere in this article for information on making such deposits.
  • Your bank may not permit deposits at ATMs not affiliated with it. Check your financial institution’s policies.

Insert your ATM or debit card and enter your PIN number. This part of the process is exactly the same as when you withdraw cash.

  • Locate the “deposit” tab on the screen or corresponding button indicated by the screen (on older machines). If there is no deposit option, you’re out of luck on this ATM.

Endorse any checks to be deposited. Sign them on the back in the marked area.

  • Add “for deposit only” below your signature for added security. If you lose this endorsed check, it can only be deposited, not cashed.

Prepare a deposit slip. If you are using a slip from your checkbook, your name, address, and account number should already be on the check.

  • If you are using a blank deposit slip, like those available in a bank branch, fill out your name, address, and account number. Add the date to any type of deposit slip.
  • Enter the total amount of cash to be deposited on the marked line, and individually list checks in the provided slots on the front (and, if needed, back) of the slip.
  • Enter the total amount of all checks and cash to be deposited on the provided line.
  • You don’t need to sign a deposit slip when depositing funds into an ATM. A signature is only required when you seek cash back from a deposit made at a teller window.
  • You may want to sign your checks and prepare your deposit slip ahead of time, for convenience and safety. Limiting your time at the ATM is safer and less likely to annoy those in line behind you.

Use the deposit envelope provided by the ATM. Older machines may have a small door that you lift open to reveal deposit envelopes, while newer machines may just spit them out of a slot.

  • Even if you have your deposit organized into an envelope, transfer it to the one provided by the machine.
  • Make sure you insert all your checks, cash, and the deposit slip into the envelope. Seal it securely.
  • Write in any information, such as name, date, and the deposit amount, requested on the outside of the envelope (as indicated by labeled blank lines).
  • The ATM may ask you if you need more time while preparing your deposit. Press the indicated button to give yourself added time to get everything in order.

Insert your completed and sealed envelope and verify your deposit. The slot where you insert the envelope should be clearly marked and may be indicated by flashing lights. It may also be the same slot where you received your deposit envelope.

  • When prompted by the ATM, either before or after making the actual deposit, enter the total amount of your deposit. Write the total amount down on a scrap of paper beforehand if you need a reminder.
  • Take care to be accurate. The bank should be able to correct any discrepancies, but it is quicker and easier to get things right the first time.
  • Confirm that you want a receipt and keep it for your records, at least until you deposits clear.

Wait for your deposits to clear. Deposits of cash or check by envelope are manually counted and entered into your account, so funds will not be available immediately.

  • A common wait time for fund availability from an ATM deposit is the second business day after the deposit. That is, if you deposit the funds on Monday, they will be available Wednesday. But, if you deposit them Sunday (not a business day), it will also be Wednesday. Banks are required to consider ATM deposits made by noon to be made that business day. [1]

19/08/2017

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Cancel for any reason – Coverage #travel #sites

#travel insurance cancel for any reason
#

Cancel for any reason Coverage

This coverage provides up to 100% of your total trip costs if you have to cancel your trip for any reason not listed in the standard coverage.

Let us tell you a story

Madeline and her friends from college had long planned a tour of the pyramids and monuments of Egypt. On Madeline’s 50th birthday, they decided the time had come. So they scheduled flights into Cairo and purchased a package tour.

Just three weeks before their scheduled departure, however, news of political unrest and reports of rioting, looting, and gunfire flashed across their televisions. The U.S. State Department orders non essential personnel and their families to leave the country. Trip cancellation coverage does not apply to situations of political unrest, but having ‘cancel for any reason’ coverage on their travel policies meant that Madeline and her friends could recover their costs and wait for a safer time to travel.

What does ‘Cancel for any reason’ cover?

This coverage provides reimbursement (up to the covered amount) for non refundable trip payments and pre-paid trip deposits if you have to cancel your trip for any reason not covered under the trip cancellation benefit.

This benefit is separate and different from trip cancellation coverage. ‘Cancel for any reason’ coverage is considered a ‘fail-safe’ by many travel insurance buyers who worry they may have to cancel their trip for a reason that is not covered by trip cancellation coverage and want to recover at least a portion of their expenses.

Understanding Cancellation Penalties

Coverage amounts vary from 50-100% depending on the plan and, in some cases, are subject to cancellation penalties. A cancellation penalty is the amount the travel supplier will not refund you if you have to cancel. The cancellation penalty determines the percentage that travel insurance will reimburse less the amount refunded by your travel supplier.

Using the above story as our example:

  • Madeline’s trip cost $5,000 and tour operator imposes a 50% cancellation penalty if the cancellation occurs no less than two weeks prior to departure.
  • Madeline cancels and is penalized 50%, or $2,500, by the tour operator who agrees to refund half her trip cost.
  • Madeline’s travel insurance penalty schedule provides 90% reimbursement if the penalty amount is up to 50% of the trip cost.

Thanks to her ‘cancel for any reason’ coverage, Madeline’s reimbursement looks like this:





02/08/2017

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Cancel for Any Reason #travel #planner

#travel insurance cancel for any reason
#

PRICE GUARANTEE

Prices are regulated by law. You won’t find a lower price for a specific plan found on TravelInsurance.com.

When life throws us curve balls, you want to know you are covered. Especially when you spend months planning a trip, the Cancel for Any Reason clause, an optional benefit of travel insurance also referred to as CFAR, gives you the opportunity to cancel your travel plans for reasons not covered in the standard policy. With CFAR, you can bypass the list of typical covered reasons and receive greater freedom and flexibility.

Cannot be Purchased Separately

While you cannot purchase CFAR separately, you can tack it on as an add-on benefit. Nevertheless, you should always examine the clauses carefully. For example, when offered as part of a comprehensive plan, it may only be available if you meet a specific criteria. When you meet all the conditions, most of your policies will reimburse you for 75 percent of the costs associated with the trip unless it has been noted otherwise.

The Requirements of Eligibility

In general, you normally will have to buy the policy within 10 to 21 days of making your initial trip payment if you will be eligible for CFAR. In some cases, a travel insurance company requires that CFAR buyers purchase the entire dollar amount of their travels if they will receive coverage. You also have to watch for additional requirements in the policy.

Claim Stipulations

The Cancel for Any Reason benefit will have have set parameters around when the CFAR period ends. In a lot policies, you have to cancel your plans and notify the insurance company a minimum of 48 hours in advance to your departure. Beyond the 48-hour time frame, you have to cancel for one of the reasons covered under your standard policy. The advantage of a Cancel for Any Reason clause is that it provides you with coverage if you cancel for reasons not listed within the standard coverage. However, it depends on the policy. Always examine the details carefully.

What Will Cancel for Any Reason Cover?

With this coverage, you receive reimbursement for up to the amount covered for a non-refundable trip. Travel experts consider the Cancel for Any Reason coverage a fail-safe for travel insurance buyers. If you worry you may have to cancel your trip, this will cover at least a portion of the expenses. You should, however, understand that the coverage amount varies from between 50 percent to 100 percent. It depends on the plan. Does the Cancel for Any Reason policy make sense? If you believe there s a strong chance that you will have to cancel, this type of coverage could save your hard-earned money.





02/08/2017

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Cancel For Any Reason, Change Your Mind Travel Insurance #travel #agents

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Cancel For Any Reason Travel Insurance Plans

The Cancel For Any Reason is just that cancelling your entire trip for a reason that is normally not covered (e.g. changing your mind). It s not Delay For Any Reason nor Interrupt For Any Reason .

Read Steve s helpful Blog post called Cancel Your Plane Ticket Or Pay The Change Fee? to learn how to correctly cancel your plane ticket so your Cancel For Any Reason coverage reimburses you for your airfare .

Here are some common trip cancellation reasons that aren t covered by Travel insurance as a standard reason, yet are covered by a Cancel For Any Reason Plan. Any of these events (and a lot more) are covered by a Cancel For Any Reason Plan:

  • You want to cancel your trip because you don t feel safe at your destination. With the rise of global terrorism, there are a lot of places in the world that were fine to visit, but now they can give you pause.
  • Along these lines, Civil Unrest and War aren t covered. If these things are happening at your destination, you probably won t want to go on your trip, either.
  • You just don t feel right about leaving. Maybe you just have a feeling it s not a good time to go on your trip. Ever had that feeling and you were glad you listened to it? I have: I was very close to my Paternal Grandparents. On August 29, 1997 I had a strong feeling I should, without delay, visit my Grandma who lived 200 miles away. I left immediately and had the best visit I ever had with her! Exactly 2 weeks later she died in her sleep. And, I was privileged to give the eulogy at her funeral.
  • You change your mind and don t want to go on your trip
  • You get a new job and your boss won t let you have the time off
  • Your adult children are idiots and their melodramas might cause you to cancel your trip
  • Your child or grandchild s team which is normally in last place is now in the State Championship Finals
  • Your already approved vacation comes at a bad time and you know it would be better if you didn t take your trip
  • Even though you and your significant other are madly in love , you still want to have a way out (maybe that plants a seed of discord?). More on this below .

Here Are The Purchase Deadlines:

  • The CSA Freestyle Luxe deadline is no later than 24 hours after your initial trip payment
  • The Travel Guard Gold s Travel Guard Platinum s deadline is no later than 14 days after the date you made your initial trip payment
  • The MH Ross Complete plan s deadline is no later than 15 days after the date you made your initial trip payment
  • The Travel Insured Plus and plans deadlines are no later than 21 days after the date you made your initial trip payment
  • The Travelex Max plan s deadline is no later than 30 days after the date you made your initial trip payment

All plans require:

  1. You insure 100% of your expected prepaid trip costs that would be non-refundable if you got hit by a cement truck on the day you were leaving for your trip and had to cancel at the last minute. Note this exception. The MH Ross Complete and TravelSafe Classic Plus plans allow you to insure the full prepaid cost of any specific travel arrangement without having to insure the full value of all your travel arrangements. For example, if you are flying to a cruise and you select Air / Cruise as your Type of Trip on the purchase application, you have to insure 100% of the cost of the airfare and the cruise to have CFAR coverage on the air and cruise. If you just insure the cruise, but not the full prepaid cost of the airfare you won t have CFAR on the air and cruise.;
  2. You also insure within 14 30 days (depending on the plan) of the payment for those arrangements including the cost of any subsequent arrangements (or any other subsequent arrangements not made through your travel agent) added to your Trip; and
  3. You are not disabled from travel at the time you pay your premium and
  4. You cancel your Trip more than two days (MH Ross, Travelex Max TravelSafe) or forty-eight hours (CSA, Travel Guard Travel Insured) prior to Your Scheduled Departure Date. Tip: 48 hours does not equal 2 calendar days. Click here to see why not .

Important: There will be no coverage available under the Optional Cancel For Any Reason Benefit, if purchased if you insure an amount less than your total prepaid trip costs that are subject to any scheduled penalty on your Departure Date.

This is handy to know: I use the term scheduled penalty below. A scheduled penalty is the total amount of money you d lose at the time you cancel your trip. Cruises Tours typically have a penalty schedule. And if you have a non-refundable airline ticket the entire cost will be the penalty because technically you can t get any of your money back if you cancel your trip.

Here s a big drawback (besides the price the fact you don t get a 100% refund) in the Cancel For Any Reason coverage:

A trip cancellation claim that is paid under the Cancel For Any Reason coverage means that any benefit you would get from cancelling your trip for a covered reason is lost. For example:

  • 2 people (significant others) are sharing a cabin on a cruise
  • Even though they are madly in love they still get Cancel For Any Reason coverage (maybe that plants a seed of discord?)
  • They have a falling out and one of them cancels their trip using their Cancel For Any Reason benefit
  • The other person does not receive the benefit (as in getting any money from the claim) of the additional cost incurred during the Covered Trip as a result of a change in the per person occupancy rate (single supplement ).

If you carefully examine this policy wording, you ll see what I mean: (italics mine)

The Company will reimburse You, up to the maximum shown on the Confirmation of Coverage for Trip Cancellation, for the additional cost incurred during the Covered Trip as a result of a change in the per person occupancy rate for prepaid travel arrangements if a person booked to share accommodations with You has his/her Covered Trip delayed, canceled, or interrupted for a covered reason and You do not cancel.

The reason the traveler still going on the trip doesn t get their single supplement costs paid in a claim is because the Cancel For Any Reason coverage allows a person to cancel for a not-covered reason .

Here s how much these plans reimburse you if you use the Cancel For Any Reason benefit:





02/08/2017

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How to Find a Cheap Flight to Any Destination #travel #to

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How To Find The Cheapest Flights To Anywhere

Itching to just grab your suitcase and fly somewhere? Don t really care where as long as it s cheap and gets you away from wherever you happen to be? Wondering where to start?

We ve scored some fantastic deals using airfare search engines that let you type in your departure city (or country) and search for a list of cheap flights to virtually any destination in the world .

We found our last flight, a one way ticket from Cancun, Mexico to Madrid, Spain for $160 USD all in. We also just booked a one way flight from Istanbul, Turkey to Toronto, Canada for just $288 after taxes and fees. That s less than your average local flight within Canada.

Sound interesting? In this post, we:

  • Tell you how we find cheap flights to anywhere (and no, none of these companies paid us to write this post).
  • Review the major flight search engines that allow you to search from a departure city (or country) without including any specific destination

Skyscanner

Let’s start with what we think is the best search engine of the bunch for this: Skyscanner. To find cheap flights to everywhere from your destination, just leave the To field blank in your Skyscanner search.

Skyscanner search to any destination from New York

Skyscanner lets you see up to a week, a month or even a year of fares at a time. which can save you a bundle if your dates are flexible. Skyscanner also lets you type in a country name to find cheap airfares from all cities in the country.

Results from Skyscanner search from New York to anywhere for April

Free Apps: We use the Skyscanner iPhone app  a lot as well. The app seems to have almost all of the features of the site, including the ability to search for flights to anywhere, and for a month’s worth at a time. It also features a cool interactive map that lists prices to cities around the globe. The apps  are available for iPhone. iPad. Android, BlackBerry and Windows Phone.

Note:  The prices listed on Skyscanner are based on previous flight search data. When you click the link the initial prices might differ from the actual listed price. When you actually go to book, prices may change as well.

What we don’t like: Unfortunately, the Skyscanner site itself doesn t let you see your results in a map. (Clicking the small map link above the To: Field on the search page doesn t show your airfares on the map, but the map will let you zoom and draw specific routes, which you can then search, which is pretty cool in and of itself). Also, the prices you see aren t always the final price you pay.

Our take: The best of the bunch. Skyscanner is easy to use, we ve found that the fares it comes up with are generally accurate, and it even comes as a well designed app. Love it. It also makes a great tool to quickly find cheap alternative routes to your destination.

Kayak Explore

The Kayak Explore tool is made specifically for searching for flights to anywhere. To find flights, type your departure city and select your search options.

Kayak Explore Tool search to any destination from New York

Kayak’s Explore tool lets you search for airfares for different seasons, making it a great tool for long term planning.

Results show up in a map. You can drag and zoom, making it easy to see airfares to different regions, or even for the entire world at once.

Kayak Explore has some fun search options, including searching for fights by weather, and by things to do (golf, gambling, and so on). You can even narrow down results by budget.

Note:  The prices listed on the Kayak Explore map are based on flights bought on Kayak in the last 48 hours. When you actually go to book, prices may be different.

Free Apps: Kayak Explore has a free app for the Mac. iPhone. iPad. Android, Windows Phone 7 and Kindle Fire.

What we don’t like:  One thing we don’t like is that Kayak Explore won’t let you see all flights from a specific country. Instead, you’re limited to searching from specific cities. We’re also not keen that the Explore tool only lists round trip fares, making it a bit harder to plan trips with multiple legs.

Our take. Very good. We love the map display of fares, and the fun search options, but don’t like that it only lists round trip fares, and that it won’t display the cheapest flights from a specific country.

Best of the Bunch

We use Skyscanner and Kayak Explore almost exclusively to search for flights from a specific destination to anywhere. That said, there are a couple of other flight search engines that do a similar job (though not nowhere near as well). We ve included them here just for the sake of completeness.

FareCompare

Like Kayak Explore, FareCompare lets you search for fares to anywhere from a specific departure city.

Search for flights from New York to Anywhere on Fare Compare

The problem is that FareCompare only has a fraction of the functionality of Kayak Explore or Skyscanner.

What we don’t like:  The huge limitation of FareCompare is that it only lets you search from departure airports in Canada and the USA. You can also only search from specific cities, as it won’t let you search to or from specific countries or regions. Once you select the airfare that interests you, finding that flight can be awkward as it opens a half dozen windows to other popular sites like Expedia.

Our take: Too limited and just another front end to more popular search sites

Whichbudget

Search from New York to anywhere on Whichbudget.com

Whichbudget will let you search from a city or country to anywhere for the cheapest airfare. It also lets you search from a good range of international destinations, and was the only search engine that would let us specify Anywhere in the departure field, which is helpful if your departure city or country is flexible.

What we don’t like:  Unfortunately, the results are a bit clunky, the text is hard to read, and you can’t sort the results to show the lowest price first.

Our take:  It s ugly too look at, with poor sorting of results, small text and worse than average results.

Airfarewatchdog

Search for flights to any destination from New York on Airfarewatchdog.com

Airfarewatchdog is probably the most bare bones of all the search engines that let you find a flight to any destination. It will only let you search from a specific airport (not even a city, but a specific airport), and doesn t offer useful filters (like one way or return).

What we don’t like:  You can only search from cities in Canada and the US. On top of that, it keeps asking for your name and email to sign up and get your results.

Our take:  Not bad for searches however only useful within the US and Canada. Might be good as an email watchdog if you re wanting to go to specific place and are just waiting for a good deal.

Mobissimo’s Activity Search

Search from New York to anywhere on Mobissimo

The Mobissimo Activity Search lets you search for fares from a departure city to anywhere, based on the activities you choose. And no, it won’t let you search to or from entire countries. And yes, you must choose an activity to get it to work.

Results from a Mobissimo search

Unfortunately, the Mobissimo Activity Search just brings up a long list of places. You need to click on each location individually to bring up prices.

Our take: Fail. Unless you have countless hours to waste clicking through each link or just want some ideas of possible locations to check out don’t even bother.

To sum it up

Both Skyscanner and Kayak Explore are both helpful for getting a general idea of flight costs to different places around the world. If you re flying out of Canada or the US and know exactly which airport your leaving from them you can check out the others.

However, once you ve used any of them to pick out affordable destinations (and dates), it s worth it to compare those flights to some of the budget airlines that don t appear in a lot of search engines. You also need to compare hidden airline surcharges like baggage fees and specialty taxes.

Different airlines charge differently and a lot of these search tools don t always factor those costs in. It might even be worth it to get actual human help from a company like Flightfox now that you have a decent baseline to compare it with.

You can also now compare those price to the ITA Matrix. This company was bought out by Google and is used as the backend for their Google Flights site. Both are great tools however they don t include flights to anywhere options so weren t included in this roundup.

Did you like this article? We re working on Part 2: Finding the Cheapest Flight to Anywhere: Advanced Travel Hacking . Sign up to get our new blog posts by email so you don t miss it.





24/07/2017

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Trip Cancellation vs. Cancel for Any Reason Coverage #travel #airline #tickets

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Trip Cancellation vs. Cancel for Any Reason

At InsureMyTrip, we know the importance of expecting the unexpected. Lucky for you, and all of our travelers. There are two different benefits that will cover a cancelled trip: trip cancellation and Cancel for Any Reason

Trip Cancellation

You will find basic trip cancellation coverage in every comprehensive policy. This will extend coverage for the cancellation of a trip for specific unforeseen, covered reasons. Commonly, travel insurance plans will cover reasons such as:

  • The unexpected illness or injury of you and/or a traveling companion that deems you unfit to travel, by order of a licensed physician
  • The hospitalization or death of a non-traveling family member
  • Weather or common carrier related issues (varies by policy)
  • Unforeseen natural disasters at home or the destination
  • A legal obligation, such as being called for jury duty or to appear as a witness in court

The details vary from provider to provider and with each plan. If you do need to cancel, you will be reimbursed 100% of the prepaid, non-refundable trip cost for which you are insured and can provide documentation. All of this coverage, is only if the trip is cancelled due to a specific, unforeseen covered reason.





07/07/2017

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Cancel for any reason – Coverage #hkb #travels

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Cancel for any reason Coverage

This coverage provides up to 100% of your total trip costs if you have to cancel your trip for any reason not listed in the standard coverage.

Let us tell you a story

Madeline and her friends from college had long planned a tour of the pyramids and monuments of Egypt. On Madeline’s 50th birthday, they decided the time had come. So they scheduled flights into Cairo and purchased a package tour.

Just three weeks before their scheduled departure, however, news of political unrest and reports of rioting, looting, and gunfire flashed across their televisions. The U.S. State Department orders non essential personnel and their families to leave the country. Trip cancellation coverage does not apply to situations of political unrest, but having ‘cancel for any reason’ coverage on their travel policies meant that Madeline and her friends could recover their costs and wait for a safer time to travel.

What does ‘Cancel for any reason’ cover?

This coverage provides reimbursement (up to the covered amount) for non refundable trip payments and pre-paid trip deposits if you have to cancel your trip for any reason not covered under the trip cancellation benefit.

This benefit is separate and different from trip cancellation coverage. ‘Cancel for any reason’ coverage is considered a ‘fail-safe’ by many travel insurance buyers who worry they may have to cancel their trip for a reason that is not covered by trip cancellation coverage and want to recover at least a portion of their expenses.

Understanding Cancellation Penalties

Coverage amounts vary from 50-100% depending on the plan and, in some cases, are subject to cancellation penalties. A cancellation penalty is the amount the travel supplier will not refund you if you have to cancel. The cancellation penalty determines the percentage that travel insurance will reimburse less the amount refunded by your travel supplier.

Using the above story as our example:

  • Madeline’s trip cost $5,000 and tour operator imposes a 50% cancellation penalty if the cancellation occurs no less than two weeks prior to departure.
  • Madeline cancels and is penalized 50%, or $2,500, by the tour operator who agrees to refund half her trip cost.
  • Madeline’s travel insurance penalty schedule provides 90% reimbursement if the penalty amount is up to 50% of the trip cost.

Thanks to her ‘cancel for any reason’ coverage, Madeline’s reimbursement looks like this:





11/06/2017

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Cancel for Any Reason – Travel Insurance Benefit #how #to #find

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Cancel for Any Reason Travel Insurance (CFAR)

Requirements For Cancel For Any Reason

Life throws us a curveball once in a while – it’s funny like that. So when it comes to planning travel months in advance, a little extra protection can be extremely beneficial.

Cancel for Any Reason (CFAR) is an optional benefit of travel insurance coverage which offers the opportunity to cancel travel plans for reasons other than those listed as “covered reasons” on a policy. CFAR allows you to bypass that list, giving you greater flexibility and freedom when making decisions about travel reservations. You cannot purchase CFAR separately – it can only be an “add-on” benefit. It is offered as a part of certain comprehensive plan and will only be available if you meet certain criteria. If you meet all the conditions, most of the policies will reimburse you 75% of your trip costs, unless otherwise noted.

ELIGIBILITY REQUIREMENTS

Typically, a policy must be purchased within 10-21 days of making the initial trip payment to be eligible for CFAR benefits. Often, providers will require CFAR purchasers to insure the entire dollar amount of their travels in order to receive the coverage. Additional requirements may be stated by the providers for those interested in buying a CFAR policy. Be sure to thoroughly read and understand any and all terms before you make your purchase.

CLAIMS STIPULATIONS

Often, trip insurance cancel for any reason policies set parameters around when the CFAR period ends and how to notify travel suppliers in the event of a claim. Many CFAR policies mandate that you must cancel your plans and notify any and all travel suppliers at least 48 hours prior to your scheduled departure. Beyond that 48-hour window, any cancellation you make must be made for a stated “covered reason” under your policy details.

Browse the Special Report below for an outline of all Time-Sensitive Benefits:





01/05/2017

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Cancel For Any Reason – Travel Insurance Services #times #travel

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It’s Easy to Get

Cancel for Any Reason is an optional upgrade to the Travel Insurance Select plan. Buy early to qualify within 21 days of paying your first trip deposit.*

Many travelers include travel insurance in their planning to cover pre-paid, non-refundable trip costs. When considering travel insurance for your big trip, consider adding Cancel for Any Reason to your plan!

Cancel for Any Reason may reimburse up to 75% of your total trip costs, when you purchase your Travel Insurance Select plan within 21 days after paying your first trip deposit.*

Why might you cancel your trip?

What are the most common what ifs when people decide to opt for Cancel for Any Reason? Here are just some of the reasons why our customers purchase this early-purchase benefit of Travel Insurance Select .

  • An event for your child. His or her sports team qualifies for the state championship, or a change in school schedules get in the way. With Cancel for Any Reason, you can still recover some of the costs incurred for your travel.
  • A work-related obligation or crisis arises, and you’re forced to cancel your trip or return to work. With Cancel for Any Reason, you can plan your trip with flexibiltiy.
  • A change in weather. Will you be able to relax at the beach when a hurricane threatens to spoil your vacation? What if there is not enough snow to enjoy that ski trip? Cancel for Any Reason allows you the flexibility to change your mind and change your trip.
  • A health issue in your family prevents the trip. Emergencies pop up when we least expect them. Cancel for Any Reason allows you the freedom to change your plans, and care for your immediate and extended family when they need you.
  • Your pet gets sick, or you can’t line up good boarding. For many of us, our furry friends are as important as family. Cancel for Any Reason lets you take care of your pets without worrying about recovering costs from your cancelled trip.
  • Your visa or passport is delayed. The consulate couldn t fit you in until just before the trip starts, so now you re stuck. Cancel for Any Reason gives you the latitude to change your plans, in the event you get stuck in transit – before your trip even begins!
  • You simply change your mind. Cancel for Any Reason gives you that freedom.

*Terms and restrictions apply. See the Description of Coverage for complete terms and restrictions.

Effective June 27, 2012, this policy is not available to residents of Quebec due to new provincial regulations.

This is only a brief description of the coverage(s) available. The Policy will contain reductions, limitations, exclusions and termination provisions. Insurance is underwritten by National Union Fire Insurance Company of Pittsburgh, Pa. a Pennsylvania insurance company, with its principal place of business at 175 Water Street, New York, NY 10038. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. Coverage may not be available in all states.





01/05/2017

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Cancel For Any Reason, Change Your Mind Travel Insurance #travel #new

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Cancel For Any Reason Travel Insurance Plans

The Cancel For Any Reason is just that cancelling your entire trip for a reason that is normally not covered (e.g. changing your mind). It s not Delay For Any Reason nor Interrupt For Any Reason .

Read Steve s helpful Blog post called Cancel Your Plane Ticket Or Pay The Change Fee? to learn how to correctly cancel your plane ticket so your Cancel For Any Reason coverage reimburses you for your airfare .

Here are some common trip cancellation reasons that aren t covered by Travel insurance as a standard reason, yet are covered by a Cancel For Any Reason Plan. Any of these events (and a lot more) are covered by a Cancel For Any Reason Plan:

  • You want to cancel your trip because you don t feel safe at your destination. With the rise of global terrorism, there are a lot of places in the world that were fine to visit, but now they can give you pause.
  • Along these lines, Civil Unrest and War aren t covered. If these things are happening at your destination, you probably won t want to go on your trip, either.
  • You just don t feel right about leaving. Maybe you just have a feeling it s not a good time to go on your trip. Ever had that feeling and you were glad you listened to it? I have: I was very close to my Paternal Grandparents. On August 29, 1997 I had a strong feeling I should, without delay, visit my Grandma who lived 200 miles away. I left immediately and had the best visit I ever had with her! Exactly 2 weeks later she died in her sleep. And, I was privileged to give the eulogy at her funeral.
  • You change your mind and don t want to go on your trip
  • You get a new job and your boss won t let you have the time off
  • Your adult children are idiots and their melodramas might cause you to cancel your trip
  • Your child or grandchild s team which is normally in last place is now in the State Championship Finals
  • Your already approved vacation comes at a bad time and you know it would be better if you didn t take your trip
  • Even though you and your significant other are madly in love , you still want to have a way out (maybe that plants a seed of discord?). More on this below .

Here Are The Purchase Deadlines:

  • The CSA Freestyle Luxe deadline is no later than 24 hours after your initial trip payment
  • The Travel Guard Gold s Travel Guard Platinum s deadline is no later than 14 days after the date you made your initial trip payment
  • The MH Ross Complete plan s deadline is no later than 15 days after the date you made your initial trip payment
  • The Travel Insured Plus and plans deadlines are no later than 21 days after the date you made your initial trip payment
  • The Travelex Max plan s deadline is no later than 30 days after the date you made your initial trip payment

All plans require:

  1. You insure 100% of your expected prepaid trip costs that would be non-refundable if you got hit by a cement truck on the day you were leaving for your trip and had to cancel at the last minute. Note this exception. The MH Ross Complete and TravelSafe Classic Plus plans allow you to insure the full prepaid cost of any specific travel arrangement without having to insure the full value of all your travel arrangements. For example, if you are flying to a cruise and you select Air / Cruise as your Type of Trip on the purchase application, you have to insure 100% of the cost of the airfare and the cruise to have CFAR coverage on the air and cruise. If you just insure the cruise, but not the full prepaid cost of the airfare you won t have CFAR on the air and cruise.;
  2. You also insure within 14 30 days (depending on the plan) of the payment for those arrangements including the cost of any subsequent arrangements (or any other subsequent arrangements not made through your travel agent) added to your Trip; and
  3. You are not disabled from travel at the time you pay your premium and
  4. You cancel your Trip more than two days (MH Ross, Travelex Max TravelSafe) or forty-eight hours (CSA, Travel Guard Travel Insured) prior to Your Scheduled Departure Date. Tip: 48 hours does not equal 2 calendar days. Click here to see why not .

Important: There will be no coverage available under the Optional Cancel For Any Reason Benefit, if purchased if you insure an amount less than your total prepaid trip costs that are subject to any scheduled penalty on your Departure Date.

This is handy to know: I use the term scheduled penalty below. A scheduled penalty is the total amount of money you d lose at the time you cancel your trip. Cruises Tours typically have a penalty schedule. And if you have a non-refundable airline ticket the entire cost will be the penalty because technically you can t get any of your money back if you cancel your trip.

Here s a big drawback (besides the price the fact you don t get a 100% refund) in the Cancel For Any Reason coverage:

A trip cancellation claim that is paid under the Cancel For Any Reason coverage means that any benefit you would get from cancelling your trip for a covered reason is lost. For example:

  • 2 people (significant others) are sharing a cabin on a cruise
  • Even though they are madly in love they still get Cancel For Any Reason coverage (maybe that plants a seed of discord?)
  • They have a falling out and one of them cancels their trip using their Cancel For Any Reason benefit
  • The other person does not receive the benefit (as in getting any money from the claim) of the additional cost incurred during the Covered Trip as a result of a change in the per person occupancy rate (single supplement ).

If you carefully examine this policy wording, you ll see what I mean: (italics mine)

The Company will reimburse You, up to the maximum shown on the Confirmation of Coverage for Trip Cancellation, for the additional cost incurred during the Covered Trip as a result of a change in the per person occupancy rate for prepaid travel arrangements if a person booked to share accommodations with You has his/her Covered Trip delayed, canceled, or interrupted for a covered reason and You do not cancel.

The reason the traveler still going on the trip doesn t get their single supplement costs paid in a claim is because the Cancel For Any Reason coverage allows a person to cancel for a not-covered reason .

Here s how much these plans reimburse you if you use the Cancel For Any Reason benefit:





14/03/2017

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Any Reason Trip Cancellation Insurance #sti #travel

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Cancel for Any Reason Trip Insurance

Sometimes things happen between the time you booked your trip and your departure date. Important things, like your child’s soccer team unexpectedly advancing to the playoffs, are worth changing your plans. Or maybe this year the slopes are bare and you just don’t want to take that annual ski trip.

For the times you may need to cancel your trip for a reason that’s not typically covered by traditional trip cancellation insurance. there is Cancel For Any Reason coverage.

With this optional coverage, you can cancel your trip for any reason, as long as your documented cancellation occurs at least 48 hours prior to your scheduled departure. You’ll then be reimbursed for 75% of non-refundable trip costs.

For example, with Cancel for Any Reason coverage, RoamRight will reimburse you for:

  • Non-refundable cancellation charges imposed by the travel suppliers
  • Airfare cancellation charges for flights commencing within one week of the land/sea arrangements
  • If your travel supplier cancels your trip, you are covered up to the cost of the ticket or the reissue fee charged by the airline for the tickets. You must have covered the entire cost of the trip, including airfare

You can purchase Cancel For Any Reason trip insurance up to 21 days after your initial trip deposit for the Elite. Preferred , Adventure and Active RoamRight travel insurance plans. Simply check the box to add this important optional coverage to your policy during the checkout process. To help find out if this extra coverage is right for you and your trip, ask one our representatives via live chat today.





13/02/2017

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