Travel Safe

This is a sad excuse for travel insurance please save your money you are safer traveling without insurance than buying this GARBAGE! I purchased a cruise for me and my husband. As it was a specialty cruise it had limited space available so they allowed for a $ 200 deposit to hold my spot on the ship back in March 2013 and rooms went on sale in April 2013. I wanted to ensure a good room so I put down a deposit. When the room because available, I purchased my room and also this travel insurance through the tour operator as the tour operator strongly encouraged insurance as they have a strict cancelation policy.
Of course, I never thought I would cancel as I have dreamed about going on this cruise with my husband for years but sadly a family member became very ill and could no longer watch our children. I had purchased a «cancel for ANY reason» policy but even with this they required a TON of paperwork and over 2 months later after several calls and talking to rude customer service agents they finally told me their verdict… I was DENIED any refund as they pointed to the fine print… I made that $ 200 deposit before purchasing the insurance so the policy was VOID! By the way my deposit I made was 100% refundable and was just a hold on a cruise before the dates of the cruise became available. All it did was hold my spot and the travel insurance was not available to purchase when I put the deposit. Wow! Wish they would have told me that before I spent over $ 200 on bogus insurance that did nothing more but increase my losses… I am speechless about the time I wasted following up, money wasted in this garbage policy, and I am beyond furious!!!
I reached out to the tour operator who sold me the cruise as well as the insurance and the dir of ops said she would look into it. She has went over this time and time again with this company and has explained to them in the past that the refundable deposit should not be considered the purchase date of the cruise … She is my only hope to get my money back or else I can try to talk to my credit card company and hope they take pity on my situation… So much for peace of mind… I never want to deal with this company ever again… Purchasing this insurance has compounded my losses by spending extra $$$ on the policy, wasted time, and had made me angry beyond belief.
Run from this company ‚. They are frauds and will hide behind pages of fine print that will surely give them a reason to deny your claim should you ever need to cancel a trip they have insured.