To the Editor:
I am also a firm believer in travel insurance (Feb. 2006 Bar Bulletin) but there are several important things to remember. First, the biggest loophole is an exclusion for “pre-existing health conditions.” Rather than worry about the technicalities of this provision, simply purchase the policy soon after you pay your first deposit. You have 2 days to 2 weeks, depending on the travel insurance company, and then they waive the pre-existing condition exclusion.
Second, purchase directly from the insurance company. Travel agents typically sell only the more expensive policies, while the insurance company may have various levels of coverage. For example, don’t buy a policy that includes cruises if you are just going by plane. Also, if you purchase your insurance directly from a travel agent or a cruise or tour operator who goes bankrupt, your coverage may be cancelled. This won’t happen if you purchase directly from the insurance company.
Finally, read the fine print closely. For example, if you are worried about having to cancel for a sick grandparent you take care of, make sure the family illness provision includes grandparents and not just parents.
Randy Brook
