• Stupid Mistake: Missed Travel Insurance Deadline

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    I just discovered we made a stupid mistake. We missed the deadline to apply for travel insurance. WE are planning to spend a few days of our honeymoon in Turkey, a country that has seen a recent surge in terrorist threats and activity. We’re keeping our fingers crossed that we won’t be affected, but we had planned on purchasing an upgrade to our travel insurance policy that would allow us to cancel that part of our trip in case we feel that the terrorism has become too dangerous. We booked our honeymoon through a travel agent, and she dutifully sent us the paperwork for the travel insurance, along with a nice hand-written note reminding us to fill it out and promptly fax it back to her.

    We didn’t.

    For a month, the paperwork sat untouched on the desk and we kept saying, “We really should send that in soon” but neither of us even bothered to read it. Finally, I decided to start this task. I researched travel insurance and found out that the one our agent had recommended is highly rated and considered the best policy for where we’re going. You can even apply online. Hooray!

    So I start the application, and one of the first questions is, “When did you first pay a deposit for any part of your vacation?” I answer it truthfully, and instantly many of the insurance upgrade options are grayed out. A tiny message informs me that these options are only available in the first 15 days after the first deposit is made on any part of our trip. Oh nos!

    We can still purchase the basic coverage, but not the upgrade that would let us cancel due to terrorism. Now we just have to hope that everything settles down in time for our trip. We did learn a valuable lesson though: book your travel insurance as soon as you put down that first travel deposit!

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