Saturday, February 13, 2016

Tripped up by trip insurance


DEAR HARRY: Last May, I arranged for a trip to central Europe. Our travel agent suggested that I buy trip insurance. I was told that it would provide for a refund of my trip cost in case I couldn't go or had some mishap on the trip. About a week after I paid for the tour, I decided against going because too many expenses were not covered. I called my travel agent to see if I could cancel and get a refund. She said no, and suggested that I contact the insurance company. When I called the insurance company for a claim form, a lady said my claim probably would be denied. She was right; the claim was denied. What good is insurance if legitimate claims are denied?

WHAT HARRY SAYS: Unfortunately, too many people are unaware of exactly what is covered. Auto insurance is a possible exception. It has been my experience that the companies writing trip insurance usually include a letter explaining in an informal way just what is covered. The policy you bought would provide coverage in case of a medical emergency, a natural disaster or a federal "no-visitation" order. Perhaps your credit card offers some kind of protection.


Email Harry Gross at, or write to him at Daily News, 801 Market St., Philadelphia, PA 19107.

Daily News Personal Finance Columnist
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