On January 7, Janice asked if we have more comments to start a new thread. Partially about what other travel insurance companies do (If I understood correctly).
I asked my travel agent for the Princess cruise two questions. I will repeat my questions here, and italicize her comments.A new insight into buying your own travel insurance and cancellations..
I did not purchase travel insurance from the cruise company, I purchased travel protection from the travel agent instead.
a. If I cancelled a cruise I only put a deposit on, I understand I will get the deposit back. Will the travel protection insurance company (which is not part of the cruise company) refund me anything. "you will not get anything back from the travel protection company".
b. If the cruise company cancels the cruise, will I get anything back from the travel protection company? "No", same as (a) above.
c. If after final payment one of you gets sick and can not go and we have to put in a claim. What you get back will not include the insurance payment.
I suspected if one purchased travel insurance from another company other than GCT, that that travel protection company would not reimburse the person in either cancellation situation. The travel protection company was in essence protecting the traveler the entire time from booking date, so they wouldn't refund anything if either the company or traveler cancels. I do understand the business about cancelling for medical or family situations, the travel protection will cover losses in those cases, in accordance with the terms of the travel protection plan, less the premium paid.
And, I'm not sure why we got on the subject of "who" pays, Trip Mate or GCT. Information available on GCT's website does mention where claims should be filed and who pays.
When GCT cancelled the Ukraine river cruise in November, I was offered a full refund including the cost of the travel protection plan. Instead I elected to rebook a different cruise. In the process of re-booking, I received several types of credit (world wide event, frequent traveler credit that I had on the other cruise) GCT refunded me all the travel protection money I had paid . Then they were able to take the travel protection for the new cruise out of the balance of the cruise refund, since the new cruise price was substantially kower. When I added business air, they increased my travel protection to include that portion of the trip and I had to pay additional money for the increase. All this makes common sense to me, and I'm not even a business major or a lawyer.
I do appreciate reading different peoples' threads for any knowledge or ideas I can get fr om them. But, I don't want to take the fun out of traveling. All this heavy dialogue stuff seems unnecessary when, if each traveler does their research once or twice, the matter is moot in the future. Just buy where you think is best and make sure you know your rights, responsibilities, and who pays you when you file a claim. I can tell you, I will make sure my money is protected, so I'm pretty sure I know what I am going to do in the future.