Originally Posted By LuLu I just paid a 5% premium on DrFL's "holiday break" plane tickets, for change/cancellation insurance. I guess the fee to change a non-refundable fare on Continental is $150 - that was my understanding anyway. The total fare was $419, so the insurance was $20.95, and I'm not even sure what "excuses" are covered. But, it would only pay that $150 fee, so it seems pretty steep. I bought insurance for my European vacation, but have never bought it for a plane ticket! What do you guys do??
Originally Posted By beamerdog I've never bought trip insurance, but given other circumstances now, I would consider it strongly. I would definitely read the fine print.
Originally Posted By Elderp We bought insurance for our WDW vacation but after reading the fine print we saw that it contained so many clauses that it wasn't really worth it. We thought it would cover us in case my work suddenly had a major emergency (I work for law enforcement), but after calling I was told those were considered "acts of God" and therefore were not covered. The fine print I found out was lengthy. I think if we died in route to our vacation it would of reimbursed our estate or something. I will never buy it again.
Originally Posted By LuLu Thanks for the tips. I have to take the time to read the policy. I have 10 days to cancel it & get my money back if I decide I don't want it.
Originally Posted By tiggerdis_ Lulu, double check it...I always buy trip insurance - and have never needed to use it (knock on wood)...the insurance I buy has trip interruption insurance too, so that if someone gets sick, or there's a problem at home we can go home early and get our plane tickets paid for...it's something else to think about, not just if you can't go on the vacation.
Originally Posted By MOLLYSMOM I always get trip insurance. The cost is miminal, and has paid off for me. We were layed-over one day for fog...my trip insurance paid for the loss of the day, a hotel, and meals for that night. Our luggage was delayed several hours...my trip insurance paid us $500. It costs me $102 to insure my trip...nothing compared to what I paid for the trip entirely. If I need it...great. If I don't...double-great.
Originally Posted By davewasbaloo Interesting. Because I travel so much for business and pleasure, I have an annual travel insurance policy for the family. It works out really well, and makes travel less stressful.
Originally Posted By LuLu I'm not sure insurance makes sense for this trip, since DD is coming *home* for holiday, as opposed to a vacation, and she absolutely *has to* travel these specific days, as the dorm will be closed. Anything that causes her to miss her flight would probably not be covered anyway. Nope, I haven't read the policy yet, but the dollar amount I paid is minimal. Yet, it's 14% of the covered amount, which is totally ridiculous. Compared to my European vacation, where the premium was about 3% of the covered amount (I was fortunate in that DD was under 18, so her coverage was free).
Originally Posted By Ursula It depends. For the baloos, it works because they travel a lot and I'm sure he's read the policy upside down and sideways. And he has little kids. For us, we don't take trip insurance. We travel so little and our trips usually consist of just airfare and hotels at highly discounted rates. Not enough of a minor insurance ticket will cover any emergencies we have. However, if we ever planned a big trip, like going to China or a cruise, I would look into it and make sure it covered a lot.
Originally Posted By RockyMtnMinnie For a small trip within the states I typically don't buy it, but for big trips out of the country usually get trip insurance, but like pointed out, some policies have a LOT of exclusions. For a trip to a country where the health care is not up to pare, I will make sure the insurance pays for medical evacuation. But, no I have never bought it just for a flight.
Originally Posted By LuLu ^^ Yeah, I'm kinda thinking it's not worth it in this case. Probably something the airlines dreamed up to turn a profit! I really need to stop being lazy and read the policy tho...
Originally Posted By TINK-MOBILE we always get extra ins you never know when it is your turn for the need, better to be prepared, we always get bcaa or Triple A in the United States
