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Roatan 2021: Travel Insurance

Suggested way to book TravelSafe insurance:

If you are planning on purchasing trip insurance (as suggested), I wanted to inform you of the following information. 

(I will be purchasing my policies sometime between December 5th-7th, 2020 to allow group payments to clear, and meet policy requirements.) 

**PLEASE NOTE THAT THE FOLLOWING INFORMATION ABOUT TRIP INSURANCE DOES NOT GUARANTEE COVERAGE**

  • I will be splitting my trip into 3 separate insurance plans.
    • 1- With travelSafe for the land portion (Not eligible for “cancel for any reason” add-on because the group had been deposited on more than 21 days ago.)
    • 1- With TravelSafe for the air portion. (This portion IS ELIGIBLE for the “cancel for any reason” add-on because it is a new reservation. This add-on will reimburse for 75% of cost if the reason for cancellation is not covered in the policy.)
    • 1- With DAN for diving accident coverage. 
  • The purpose for this post is to show you my research and what I chose for my plan, if you would like to follow suit, please do. If not, at least now you know more about trip insurance. All future travel planned through New England Dive will be offering a group policy. Unfortunately this was not possible for the Roatan 2021 group due to the circumstances.
  • I will be booking my 2 policies with Travelsafe sometime between December 5th-7th, 2020
    • This is due to the upcoming holidays, your refunds from United & Repurchase with American Airlines.  In combination with the requirements for coverage stating that the policy requires booking within 2 weeks of deposit. (It will be Dec 4th, 2020 once payments clear.)
    • TravelSafe policies are based on value not details.
    • For the land portion, I will be purchasing the TravelSafe Classic Coverage Policy & adding on the “optional personal property pac”. I will list $1,650.00 as the value.
    • For the air portion, I will be purchasing the TravelSafe Classic Coverage Policy & adding the “Cancel for Any Reason” coverage to my policy. I will list $869.00 as the value.

After speaking with an agent from TravelSafe Trip Protection, I feel the following plan purchase(s) would offer me the optimal coverage for a reasonable price. First for safety of medical coverage 

At the bottom of this post I have posted screenshots of the American Airlines ticket change policy. Our tickets will be eligible for no cost changes, but not for a refund unless the flight is cancelled by the airline. The policy states, if your travel plans change, you can keep the full value of your original ticket but will need to pay the fare difference if your new flight is more expensive. If your new flight is less expensive, you’ll get the fare difference in the form of travel credit to use on a future trip.

Example: If you paid $500 for your flight and change to a new flight that costs $300, you’ll receive $200 in travel credit for a future trip.

PLEASE NOTE: The following plan purchase concept is a suggestion based on my research. (The pricing shown is based on a person 45years of age. Rates may vary due to age.) This insurance purchase plan is the is the plan of action I am choosing for myself, and my family. With it there is no guarantee that all scenarios will be eligible for coverage. However, the decision to purchase this insurance is the right choice for me. In purchasing this insurance, I have additional peace of mind and feel I am also protecting myself financially.

  • Please review the information below.
  • ONLY THE AIR PORTION of our trip will be eligible for the “cancel for any reason” policy add on.
  • The “cancel for any reason” add on reimburses up to 75% cost.
  • Please contact a TravelSafe agent if you have any questions beyond my knowledge.
  • I will be purchasing 3 plans for my trip (1) for the air portion/ (1) for the land portion/ (1) for diving.
  • You will need your initial deposit date for the land portion.
  • *Use December 4th, 2020 for Air portion. ($869.00)
  • * Use your Spring 2020 date for land ($1,650.00) (I can help you find this if you can not find the receipt in your email.)
  • I will be making my 2 TravelSafe insurance policy purchases Dec 5th-7th, 2020 after the airfare is locked.
  • I will then contact DAN about dive accident insurance.

Step 1:

Go to the TravelSafe Insurance websitem using the link below.

 

Step 2:

Use the “Quick Quote” form to purchase 2 separate policies:

The airfare portion of our trip is considered a new booking. It IS eligible for the “Cancel for any reason” add on where the land portion is a standing credit and IS NOT eligible for this add-on. 

  • (1) Trip insurance for land package ($1,650.00 purchase value.) 
  • (2) Airfare insurance coverage policy. ($869.00 Value.) 

Dates: March 6th-13th, 2021/ Destination: Honduras

Step 3:

Trip Insurance for Land Package:

  • Use trip start date: 3/6/2021
  • Use trip end date: 3/13/22021
  • Enter residency state
  • Enter destination country HONDURAS (type H-O-N).
  • Enter your age
  • Use Trip Value: $1,650.00

Step 4:

“Cancel for Any Reason”: NOT Eligible for Land

The program allows you to toggle the “cancel for any reason” customization on. Do not purchase this customization.

However, this option is not eligible for the land portion because the policy was not purchased within 21 days of the original trip deposit. 

Step 5:

“Purchase your Trip Protection for the Land Portion:

  • The rates in the photo are based on the median age of 45 years old.
  •  Do not use the “Cancel for any Reason” customization.
  • The “Extended Personal Property Pac” is a $15 add-on and should be eligible.
  • Scroll to the bottom
  • Select your plan choice
  • Fill out the info on the following page.
  • Use your original Spring 2020 paid in full date for this policy. (I can help you find this if it is not in your email.)

Step 6:

Trip Insurance for Air Package:

  • Use trip start date: 3/6/2021
  • Use trip end date: 3/13/22021
  • Enter residency state
  • Enter destination country HONDURAS (type H-O-N).
  • Enter your age
  • Use Trip Value: $869.00

Step 7:

“Cancel for Any Reason”: IS Eligible for Airfare.

If you choose to, you can add the “cancel for any reason” option since this policy covers your airfare only. The original United flight was refunded, and your repurchase date is Dec 4th, 2020.

  • Our original airfare was refunded. We are now with a new carrier. This is a new purchase.
  • This policy needs to be purchased within 21 days of the original airfare portion of the trip deposit. (12/04/20). 
  • The ideal time to purchase this policy would be between 12/05/20-12/07/20

Step 8:

Choose for Air Package:

  • If you choose “Cancel for Any Reason” customization. The price goes up about $20.
  • Without it you will still have trip interruption and trip cancellation insurance.
  • Use Trip Value: $869.00. This is the American Airlines ticket price.
  • Cancel for any reason reimburses you 75% of your original trip cost. (75%= $651.75) 
  • $651.75- $103.00 policy cost= $551.75 reimbursement possible if you last minute want to change your mind.
  • Scroll to the bottom
  • Select your plan choice
  • Fill out the info on the following page.
  • Use 12/04/20 as a deposit date this is when your re-booking payments will be cleared.

Other Important Policy Information:

After you have booked your trip insurance-

Don't forget to book your DAN Dive Accident Insurance

DAN accident insurance covers dive specific injuries, as well as, a vast array of other things.

Click here to check out more about their DIVE ACCIDENT COVERAGE

Cancel for any Reason Details

American Airlines Change Fee Details