Saturday, August 14, 2021
Vacation News for the USA

Do you get a refund in your journey insurance coverage for those who die?

Janet Fried and her husband had huge plans to take a Mediterranean cruise subsequent 12 months with Tauck, a luxurious…

By Staff , in Travel Insurance , at August 14, 2021

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Janet Fried and her husband had huge plans to take a Mediterranean cruise subsequent 12 months with Tauck, a luxurious tour operator. They seemed ahead to putting off in Marseille, France, on a small ship and visiting unique ports of name in Corsica, Italy, and Sicily.

However they’ll by no means have that probability. In December, her husband died.

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What adopted ought to have been simple: Tauck ought to have refunded all of her cash. It didn’t.

The corporate returned her $5,478 deposit. However a consultant advised her the $1,278 she paid for journey safety wasn’t refundable. As a substitute, Tauck gave her what it known as a “Dream Saver” credit score that she might solely use in 2022. That didn’t sound correct to Fried, who had no plans to cruise with out her husband.

Fried’s case isn’t as uncommon as you may suppose. As a number of harmful COVID variants unfold and extra folks cancel their journeys, they’re discovering that getting their a reimbursement for insurance coverage is troublesome — or inconceivable.

“I ought to get a full refund.”

Fried remains to be grieving the lack of her husband, and like lots of our readers who’re in related circumstances, that is the very last thing she wants.

“I really feel that beneath the circumstances of my husband’s demise resulting in my journey cancellation, I ought to get a full refund for the journey insurance coverage,” she advised me.

However she’s keen to compromise.

“If that’s not doable, it doesn’t appear proper to me that they aren’t giving me a refund for the ($639) journey insurance coverage in my husband’s title. Is there any method to get them to refund this to me? What would I must do?” she requested.

Making this case extra upsetting to her is that she and her husband have been fiercely loyal to Tauck.

“We traveled extensively with Tauck over a few years,” she advised me. “I imagine we made 18 excursions with them.”

Is that this any method to repay her loyalty?

Tauck: Should you die, you received’t get a refund in your journey insurance coverage

I requested Fried to share the correspondence along with her American Specific journey agent, who helped her guide the tour. It reveals an agonizing and painful back-and-forth between a grieving widow and a journey advisor who can’t assist.

The report reveals that the Frieds had booked a tour of South Africa firstly of the pandemic. Tauck canceled the tour and issued a credit score. Then the couple booked their Mediterranean cruise.

Right here’s the breakdown, in keeping with their agent:

You made a deposit of $2,478.00 in your unique journey to South Africa in June 2020. As a result of Coronavirus, the journey was canceled. Your deposit was transferred to your cruise with Tauck scheduled for August 2021.

The overall deposit quantity paid in your August journey is $6,756.00 (this additionally consists of the transferred quantity of $2,478.00 out of your canceled journey).

Should you resolve to cancel, you’ll obtain a refund within the quantity of $5,478.00. The stability of $1,278.00 complete is for the journey safety insurance coverage that you just paid.

This quantity will probably be transformed to a future credit score for use for journey in both 2021 or 2022.

Please let me know you probably have any questions.

Fried positively had questions.

I’m very disillusioned in Tauck. Do they understand what number of journeys my husband and I’ve taken with them over time? Can the credit score on the insurance coverage be utilized by anybody who takes a visit with Tauck? How would that work?

Her agent then tried to intervene.

I’ve simply gotten off the telephone on a prolonged name with Tauck explaining your scenario.

Spoke to a supervisor at Tauck and they aren’t budging on their coverage.

They won’t refund the journey safety for Mr. Fried, they may maintain the funds in a Dream Saver account and it will possibly go in direction of journey for a 2022 reserving.

What ought to occur together with your journey insurance coverage for those who die

The reserving confirmations Fried obtained have been unambiguous: Her journey safety was nonrefundable. However there are all the time exceptions to nonrefundable guidelines. Even the strictest sector of the journey business, airways, will refund nonrefundable tickets when a passenger dies earlier than a flight.

What occurs with journey insurance coverage if you die earlier than your journey? It’s just a little sophisticated.

Strictly talking, journey insurance coverage insurance policies are nonrefundable. That implies that technically, when you’re previous the 14-day “free look” interval provided by most insurance policies, the cash belongs to the journey insurance coverage firm. Interval.

Journey insurance coverage or safety is legitimate just for the journey dates. Sure, insurance coverage covers the demise of the policyholder. Nevertheless it has to occur throughout the journey. If it occurs earlier than then, the refund request falls right into a grey space.

All of it comes right down to widespread sense and good customer support. Nobody desires to revenue from somebody’s demise. That’s significantly true of a tour operator like Tauck, which has a sterling status to uphold. It seemed like somebody — possibly the journey agent or tour operator — had their wires crossed.

Tauck’s journey safety insurance policies work just a little otherwise than insurance coverage, however the identical guidelines apply. The corporate affords what’s known as a cancellation price waiver, which lets you cancel your tour for any motive as much as the day earlier than departure and obtain a money-back refund in most circumstances on the land tour value, primarily based in your unique methodology of cost.

You’re in all probability questioning about “most circumstances.” Tauck has an exclusion for acts of God, struggle, terrorism, accident, pure catastrophe, outbreak of illness, “or different occasion or circumstance past our management.” In circumstances like that, the corporate reserves the fitting to difficulty a credit score to its prospects as a substitute of a money-back refund, relevant to a future Tauck journey.

Backside line: Fried deserved a full refund after her husband handed away.

It was an “inside communications difficulty.”

I reached out to Tauck to search out out if Fried needed to settle for the loss not solely of her husband but in addition of $1,278 in journey safety.

Just a few weeks later, I obtained a notice from Fried.


I simply obtained the possibility to have a look at my American Specific account at this time and was VERY fortunately shocked to see a credit score on my account for $5,478.00 for my canceled Tauck journey AND $1,278.00 for the unused journey insurance coverage.

Thanks a lot for contacting them on my behalf. I very a lot recognize all the things you probably did for me.

After which, a number of days later, Tauck contacted me.


I’m joyful to report that we refunded the total quantity of Mrs. Fried’s Cruise Safety to her bank card on July 26.

That is in line with our regular coverage in such circumstances, and sadly, an inside communications difficulty prevented Mrs. Fried’s request from reaching the right division.

We’re very sorry for the miscommunication to Mrs. Fried, we prolong our honest condolences to her on the lack of her husband, and we thanks for bringing this to our consideration.

Nicely, that’s a terrific decision. It ought to have occurred months in the past, however I’m glad it lastly did.

Methods for getting a refund in your journey insurance coverage for those who die

Should you die earlier than your journey, how does your subsequent of kin get a refund in your journey insurance coverage?

  • Enlist your journey advisor. Fried was appropriate to contact her Amex advisor, and it appears as if the agent tried to safe a refund. It is a mandatory first step in resolving an issue like this.
  • All the time make your request in writing. Don’t name the corporate. You’ll need to contact the tour operator or cruise line in writing. Embody a demise certificates.
  • Attraction to a better authority. We publish the names, numbers, and e mail addresses of the Tauck customer support executives on our website.  Fried might have taken her case to one of many managers straight.

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