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Trip Cancellation, Trip Interruption and Travel Delay – What’s the Difference?

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This article was contributed by ceo of Trip Insurance, Dan Skilken.

One of the questions we are frequently asked is what is the difference between trip interruption, travel delay coverage, and trip cancellation insurance? The answer is simple, but the nuances are important.

The brief explanation is that trip cancellation covers you in the event of having to cancel your trip for any reason up to your departure date. Trip interruption insurance benefits you if for some reason your trip is interrupted after you have started on your journey. Travel delay coverage handles the expenses of hotel, and food if weather, or strikes delays your travel plans. What is actually covered by these policy provisions will vary, depending on the coverage you purchase.

For example, circumstances that trigger trip cancellation insurance could include death of a close family member, or a traveling companion; illness; hurricane; a fire at your work or your home; a car accident on the way to the airport; etc. It doesn’t necessarily mean you are covered for losses for a prepaid trip if you decided to cancel at the last minute. For that sort of coverage you will need to have cancel for any reason (CFAR) coverage and cancel within a specific time period.

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Trip interruption insurance reimburses you for the portion of the trip you fail to complete. For example, if your trip is disrupted due to a strike, illness, or some other calamity, trip interruption insurance will reimburse you for prepaid hotel accommodations, booked excursions, lost air or train fare, etc. This benefit covers the cost of your unused, non-refundable land or water travel arrangements and the additional air expense to either resume your trip or return home.

The Travel Delay benefit reimburses you for meal and hotel expense due to carrier and other covered delays of eight or more hours. Airlines are not required to provide you with a hotel in the event that bad weather delays your trip. This benefit will cover the cost of a room and keep you from having to sleep at the airport.

Also remember that trip cancellation, trip interruption, and travel delay insurance may only offer partial protection. There are specific covered reasons, and limits to the actual coverage. Trip Cancellation will only reimburse the non-refundable portions of your trip, or any cancellation penalties up to the limits of the policy (generally trip cost). Post Departure Trip Interruption coverage can range from some portion of the trip cost up to as much as 200 percent of the trip cost. Travel delay coverage typically has a maximum they will pay, with a daily limit on meals and accommodations. Each of these coverage benefits have covered reasons and exclusions listed in your certificate of coverage. Remember that when comparing plans, “the devil is in the details.” Make sure the coverage includes the risks you are most concerned about.

When you are planning your trip, consult a professional about the types of trip insurance available, and what coverage might be best for your needs and plans. You can’t lose by being too prepared.

Source:  TripInsurance.com

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Princess Cruises Wants You To ‘Flee the Freeze’

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Princess Cruises is offering a special opportunity for travelers to “Flee the Freeze” as temperatures dip below zero throughout the United States. On 7, 8, 10, and 14-day sailings to the Caribbean this year, New Jersey residents can take advantage of up to 32 percent off cruise fares and $32 in onboard spending money per person. (32 degrees being the freezing point, get it?)

Escape the winter chill and hit the sun-drenched Caribbean beaches this year. Sample cruises include:

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  • 7-day Eastern Caribbean – inside cabin $599 per person
  • 7-day Western Caribbean – inside cabin $599 per person
  • 8-day Southern Caribbean – inside cabin $649 per person
  • 10-day Eastern Caribbean Voyager – inside cabin $849 per person

Fares are based on double occupancy. The offer is combinable with the current Anniversary Sale promotion, where guests can earn up to $300 in onboard spending money. The “Flee the Freeze” offer is running now through January 22, 2018.

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Royal Caribbean Wants You to Find Your Adventure Personality

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With the winter blues in full swing – and half of the northeast region covered in snow (not an actual calculation) – many travelers are dreaming of where they want to vacation next. Royal Caribbean has teamed up with the international authority on personality research, Myers-Briggs, to create a convenient way for travelers to navigate the possibilities for their next adventure from beginning to end.

The easy, 13-question quiz draws on The Myers-Briggs Company’s knowledge of personality types, and assess a person’s motivations and interpersonal needs that most affect their travel preferences. Once complete, quiz-takers receive a unique description of who they are as a traveler and suggested destinations and activities that might suit them.

The Adventure Personality quiz will be available all throughout what is known as “Wave Season” in the cruise industry, where potential guests are busy planning warm vacations and the best offers are available for the year ahead. To find your adventure personality, visit myadventurepersonality.com.

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Fate of the Carnival Triumph Revealed

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With Carnival Cruise Line execs routinely speaking about reducing the size of their fleet and little known about the Carnival Triumph’s future itineraries, some fans worried the ship might be on its way out. But fans of the Triumph can relax, as it was announced today that the ship will be sailing a variety of itineraries from three different ports… including a 2019 stay in New York City.

Carnival Triumph Hits Numerous Ports

The Triumph, which joined the fleet in 1999, will take on an exciting new slate of sailings during the 2019-20 season, immediately after undergoing a major refurbishment that will see her receiving a variety of new venues to compliment the ones she already has, which include the always-popular Guy’s Burger Joint, RedFrog Rum Bar, BlueIguana Cantina Tequila Bar and Alchemy Bar. The new itineraries will see her sailing from New York, Fort Lauderdale and Norfolk.

Exciting News For New York Homeporters

Perhaps most exciting to New Yorkers will be the return of shorter voyages from the port. The Carnival Triumph will sail four-day cruises to Bermuda in 2019 — being billed as “long weekends” — on May 23, June 20, July 18, August 15 and September 12. For those wanting to trade The Big Apple for Bermuda a few days longer, the ship will sail a six-day Bermuda trip on June 24, 2019. That trip will include a two-night stay in Bermuda. And on June 24, 2019, the Triumph will sail an 8-day cruise out of NYC that will include two nights on Bermuda and a visit to Grand Turk.

View Carnival Triumph Deck Plans

For those wanting to go North instead of South, Carnival will also offer three 7-day cruises — departing on September 22, September 29 and October 6 of 2019 — visiting New England and the Canadian Maritimes.

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Finally, the New York City sailings will offer 8- and 10-day options, as well as a 14-day Carnival Journeys cruise departing May 27, 2019, and visiting the Panama Canal, Grand Turk, Grand Cayman, Costa Rica and Half Moon Cay.

Details On Triumph’s Florida Visit

(photo: Port Everglades)

The Carnival Triumph will also sail out of Fort Lauderdale in 2019, doing 4- and 5-day cruises in April before heading to New York, and then picking up these itineraries again from November 2019 (after completing her Big Apple trips) until April 2020. In fact, at this point, Carnival is the only cruise line slated to offer a short-cruise itinerary from Fort Lauderdale, which should prove wildly appealing to the ever-growing population of people looking to take a cruise, but not necessarily having a week or more to commit. The 4-day sailings will depart on Thursdays and visit Nassau as well as either Half Moon or Princess Cay. The 5-day trips will depart on Mondays and swing by Ocho Rios and Grand Cayman.

Triumph’s Trip To Norfolk

Finally, the Carnival Triumph will also sail 5- and 6-day cruises to the Bahamas out of Norfolk, Virginia during May and October of 2019.

“We’re delighted to offer this unique schedule on Carnival Triumph,” says Carnival Cruise Line president Christine Duffy of the ship’s port-hopping slate of itineraries. “With such an array of cruise choices, vacationers have the opportunity to enjoy short, value-packed getaways to tropical destinations [or] longer-length departures visiting spectacular ports of call!”

Will you sail Carnival Triumph out of New York City?

Featured photo Carnival Cruise Line 

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