Question about Travel Ins....

[BAILEYBAY]

We have made 16/17 annual trips to St John and have never purchased travel insurance. Last year we had to cancel our trip due to husbands job loss(it went to Mexico!!!) Luckily, I had not yet purchased our plane tickets but it got me to wondering IF that is something that would have been covered had we had travel ins.....has this happened to any forum members? Also, let me just mention that St John Properties were kind enough to let us use our deposit from our cancelled trip for this coming year. I can't thank them enough for their generosity and good will.Just another reason why we love St John....

[mbw1024]

Unlikely that this would be covered unless you opted for a "cancel for any reason" provision, which is costly.

[BAILEYBAY]

Thank you mbw1024.....I had a feeling it would not be covered.

[mdcoles1]

I just purchased from CSA within past month. And involuntary job loss is covered. )You can click on the link at the top of the page) It did not require the upgraded coverage.
....
Reason #12. a transfer of employment of 250 miles or more;
Reason #14. your involuntary termination of employment or layoff
that occurs more than 15 days after your effective date
and was not under your control. You must have been
continuously employed with the same employer for 1
year prior to the termination or layoff. This provision is
not applicable to temporary employment, independ.....

[TrvlJohn]

TravelGuard Gold and Platinum both cover for "Termination of Employment"

[mbw1024]

I just purchased from CSA within past month. And involuntary job loss is covered. )You can click on the link at the top of the page) It did not require the upgraded coverage.
....
Reason #12. a transfer of employment of 250 miles or more;
Reason #14. your involuntary termination of employment or layoff
that occurs more than 15 days after your effective date
and was not under your control. You must have been
continuously employed with the same employer for 1
year prior to the termination or layoff. This provision is
not applicable to temporary employment, independ.....

Isn't your effective date your date of travel (as opposed to date of purchase)? So this would have to happen after you were already traveling? #14.

[mbw1024]

I just purchased from CSA within past month. And involuntary job loss is covered. )You can click on the link at the top of the page) It did not require the upgraded coverage.
....
Reason #12. a transfer of employment of 250 miles or more;
Reason #14. your involuntary termination of employment or layoff
that occurs more than 15 days after your effective date
and was not under your control. You must have been
continuously employed with the same employer for 1
year prior to the termination or layoff. This provision is
not applicable to temporary employment, independ.....

Isn't your effective date your date of travel (as opposed to date of purchase)? So this would have to happen after you were already traveling? #14.

EDIT: Just looked at my own policy and I think I am mistaken. Trip Cancellation date is day after my Ins purchase so I that seems to qualify. Sorry, totally overlooked that. Didn't mean to mislead anyone!

[BAILEYBAY]

Thanks for all the good info....when we vaca next May my husband will have only been employed for 11 months at his new job, so the 1 year employment stipulation won't be met.