and Trip Insurance (that is…if you buy trip insurance). The investment you make on vacation and leisure time should be a reward for hard work. Not illness, nor accident, or lost luggage, or at times…just because, should interfere with that time. Things happen. But they don’t have to be to the detriment of the good time you had planned.
Good Things to Remember...
- Make sure to advise your clients to cancel their AIR if they cancel their cruise with you and any other pre-paid travel arrangements that they may have made on their own. If they do not, it can adversely affect their Cancel For Any Reason (CFAR) coverage if it was purchased.
- If they cancel the trip due to an illness or injury - they must see a Doctor to have it documented. According to the policy, it states that "A covered Sickness or Injury involving You, Your Traveling Companion or Business Partner, or Your Family Member which necessitates Medical Treatment at the time of cancellation and results in medically imposed restrictions, as certified by a Legally Qualified Physician, which prevents Your participation in the Trip".
- Examples of what would be covered under CFAR and not covered by the standard terms of the policy - the civil unrest in the Middle East; not wanting to travel to Tokyo after the Earthquake, Tsunami and nuclear problems; the Insured's pet dies or becomes ill; caregiver for the kids can't stay with the kids; a broken engagement.
- Unforeseen work reasons*..... Requirement that it must be documented by a written statement from a company officer and/or the HR department demonstrating revocation of previously approved time off. Example of Cancellation due to Unforeseen Work Reasons:
- If they work for a company, an officer or the HR department needs to write that the leave was previously granted and is now revoked.
- If a small business owner had an employee who was to work while the owner was gone and they quit or became ill and the owner needs to work.
- A person who is contract for hire is much more difficult to prove. They would need to provide proof that the reason for the cancellation occurred after the insurance was purchased.
- Deposit paid while on cruise - considered Good Faith Deposit - when you are notified of the booking and your client has returned home, they will then have 15 days to purchase the insurance to receive the waiver of pre-existing exclusions.