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Thread: trip insurance advice & recommendation

  1. #1
    sbhlvr is offline
    SBH Insider Joined: Sep 2009 Dunes of Cape Cod Posts: 1,766

    trip insurance advice & recommendation

    I don't always buy insurance unless we're renting a villa. I'm thinking I need to now since my mom is in the hospital. We leave on the 30th. Is this too close to our departure? I'm concerned that since she's already in the hospital it might be an invalid condition. Any trip insurance company recommendations?
    Thanks in advance.

    There's no dumb a$$ vaccine

  2. #2
    JEK is offline
    Senior Insider Joined: Jan 2004 In the ether . . . Posts: 57,334
    Most won't allow you to purchase within 2 weeks and some may not recognize a family member emergency. The only way to know is to try to apply and look at the Ts & Cs. Good luck!
    The best dinner on Saint Barth is a lunch at Sand Bar!

  3. #3
    stbartshopper is offline
    SBH Insider Joined: Dec 2013 Indianapolis, Indiana, U.S.A. Posts: 11,265
    John is correct. All the travel insurance companies we have worked with require purchase far in advance of a trip. Also with the known condition of your mother being in the hospital two weeks before, I don't believe any company will work with you.

  4. #4
    Rosemary is offline
    SBH Insider Joined: Jan 2010 New England Posts: 4,467
    Carol - best wishes to your mother, and I hope she is better soon.

  5. #5
    amyb is offline
    SBH Insider Joined: Apr 2008 Glen Cove,L. I., NY Posts: 30,488
    Hoping your Mom does fine and you get to enjoy your getaway.
    Remember Yesterday, Dream About Tomorrow, But Live Today.

  6. #6
    phil62 is offline
    SBH Insider Joined: Feb 2005 Glen Cove, NY Posts: 6,344
    Check out It allows you to compare policies, but I think you are too close to your departure date, but you never know.


  7. #7
    NHDiane is offline
    SBH Insider Joined: Aug 2003 New Hampshire Posts: 6,928
    Best of luck to you Carol and best wishes to your mom...I went through this same thing four years ago due to my mother's illness and was unable to find what I was looking for.
    Emma Peel: I suppose Mother warned you about women like me?
    John Steed: Until now, I didn't know there were women like you.

  8. #8
    For three months you will almost certainly have to get a multitrip annual policy. It won't matter if this is your only trip though and it is the best way to secure your trip..

  9. #9
    jayhawkgirl is offline
    SBH Insider Joined: Dec 2009 Overland Park, KS Posts: 668
    Try to compare policies. My husband used to give me trouble about buying trip insurance for our trips outside the US, until two years ago, my dad passed away 5 days before our trip, and we had to cancel our St Bart's trip. The insurance paid the full price of the prepaid villa and prepaid hotel deposit. I did, however, purchase the insurance within two weeks of booking our trip. So, I'm not sure about late coverage.
    (side note: I insured our Delta tickets, but Delta gave us a year to reuse the full cost of the tickets, as did SBC, so I probably didn't necessarily need to add those expenses into the trip cost for insurance calculations. Well, at least not for a death in the family, don't know about illnesses.)
    "When you lose yourself, you find the key to paradise."
    Zac Brown Band


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