How travel insurance came to the rescue
The Genitzes typically purchase travel insurance because of their photography equipment. A lost bag full of expensive camera gear can lead to claims of up to thousands of dollars when covered by policies that include lost baggage insurance. And for this trip, travel insurance was especially important because it was bigger and more expensive than their other trips.
“You never know what’s going to happen.”
It was an estimated cost.
Between each day’s delay, in the last minute hotel nights
After postponing their wedding due to Covid-19, the Genitzes plan to tie the knot at Castillo San Cristóbal, a fortress.
To get there, they flew from their homes nearby
And when they arrived, they said.
As for the canceled flight, the “travel inconveniences and snafus” component of their plans gave the couple a hard time.
Their insurer sent the money through the caller.
After spending the whole day the next day
And before they knew their second flight had been cancelled, the
“At that point we thought we were going to go back.
But given the unusual nature of their situation (two flight cancellations in a row is above average), the Geinitzes have taken special notice from their insurance company, not to mention the large payouts they’ve used.
In an unexpected wedding
Three days after their first flight, their insurance company did something unusual: an employee called Geinitz and proposed to them.
The couple agreed to exchange the wedding on the magic island in the big one
It took the couple another two days to make an appointment with the city clerk to obtain a marriage license. Since tropical keys feel equal parts impractical and out of place for a change of scenery, they used part of their travel comfort fee to buy fleece jackets.
One of the workers who live
“We were ready to hire Spider-Man
But luckily, they had a friend who was a witness in the area. And a week after that flight was canceled for the first time, the couple got married
The wedding was done by AJ Steele (center).
Getting the money for the canceled wedding
Apart from finding most of the sudden
Accommodation: The couple booked wedding packages through their hotel, which was covered under their travel insurance policy, which might not have been the case if they had booked a wedding package elsewhere.
Some of the other pre-paid reservations were refunded by the operators themselves. The non-reimbursement is covered by their insurer.
Flights: The couple’s return flight from
What to expect when buying travel insurance
The Genitzes’ story was certainly unusual. For starters, most insurance companies will not send someone to officiate your wedding.
And because the couple’s flights were frequently overbooked and canceled, they were able to claim more than the usual amount of “travel convenience credit” and overnight hotel stays.
It also helped that the pre-paid wedding expenses were mostly found in a hotel in Puerto Rico, which allowed the Geinitzes to qualify for reimbursement. Travel insurance typically doesn’t cover wedding expenses like the venue (you’ll probably need wedding insurance for that). But because of the low-key nature of the wedding, the couple qualified for reimbursement for most Puerto Rico expenses.
Another card in their favor was the bad weather. Travel insurance policies can be incredibly thin on what is actually covered. Covered reasons can vary by policy, but typically include situations such as being called for judicial duty, the illness or death of an immediate family member, or a designated storm warning.
But often, the difference can turn off travel insurance holders. For example, most policies will cover you if you get sick, but you’ll still need some kind of proof like a doctor’s note, which can be difficult to find. Also, policies typically don’t cover the fear of getting sick (as many people canceled pre-planned trips in the early days of the Covid-19 pandemic) unless you waive coverage for any reason.
And while it can cover severe weather, it can be a bit of a gray area. Most policies cover cancellations due to a “designated storm”. But if you don’t want to risk traveling to a hurricane-prone area — but the hurricane hasn’t hit yet — you could be in a tough spot.
For the Genitzes, the storm had not yet been named but their flight had actually been canceled, making them eligible.
Travel Insurance: Is It Worth It?
Considering the approximate
Travel insurance has its problems. Unless multiple canceled trips are ineligible, you’ll usually need proof even if the reason is covered. That means keeping everything safe, including receipts, doctor’s orders or flight cancellation notices.
Filing a claim can take a lot of effort, a tedious process of making phone calls and sitting on hold. Often times, claims are returned after the fact, which means you have to pay out-of-pocket for last-minute expenses. Last-minute flights and hotels can be expensive—and you may not have the money.
Even after you file a claim, there’s a good chance it will be denied, even for reasons that seem like coverage. For example, 34% of
Travel insurance costs range from 4%-12% of your total travel expenses
Many premium travel credit cards offer travel insurance as a benefit for trips paid for with the card — and often, the coverage is equivalent to what you’d pay for separately. As long as the trip was paid for on that card and you make a claim for a covered reason, your credit card may pay you travel insurance benefits.
However, cards with such benefits come with annual fees and typically require excellent credit scores.
About Genitzes, the
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