Trip Cancellation

EFY took this photo on the way from Norway to Poland, September 7, 2010.

Wife's brother is expected to live only four weeks.  He has cancer.  Wife and Husband were planning to go to Europe.  Will the trip cancellation clause of their travel insurance apply?

If they took out a Chartis policy, the Standard or Enhanced Travel Guard contract states that Chartis will pay for 'loss of travel fare and/or accommodation expenses paid in advance...and not recoverable...by the following occurring within thirty...days' from the start of the trip: ...sickness... of ...parent-in-law,...brother,...business partner or co-director.'

All other photos: Poland, Sept. 6, 2010.  I had put in the wrong dates in the Canon Ixus 100 IS.--EFY.

So W's advance payments will be returned to her, but not H's.

How much of the advance payments will not be refunded?

I am looking at the Crystal Cruises Mediterranean Trasures [sic] cruise leaving on October 1.

The penalty for cancellations made from September 17 onwards is 100%.  The total cost of the cruise is
$ 5,724, including trip insurance premium of $ 359.  Excluding the trip insurance, the cost of the cruise is  
$ 5,365, or P 233,369.13.

The Enhanced and Standard Travel Guard policies will refund up to P 150,000, or a difference of P 83,369.13.

The Travel Guard Annual Business Peso plan just says 'Immediate Family Member' without specifying whether in-laws are included.  The Business Dictionary includes brother-in-law.  The Annual plan's Trip Cancellation limits are
P 150,000 or $ 4,500, depending on the plan.  At $ 4,500, the penalty difference is $ 865, or
P 37,626.15.  Premium for the $ 4,500 limit is
$ 256, or P 11,135.60.

What are the premiums for a 13-day cruise for senior citizens?  The travel insurance should cover even the flights before and after the cruise, but for the sake of comparison, I looked up the premiums for passengers born in 1936 and 1932.  For those born in 1936, or age 74-75, the Blue Cross Insurance premium for 30,000 Euros medical treatment coverage is 36 Euros for 15 days, or P 2,203.38.  The Annual premium for $ 50,000 coverage  is $ 345, or P 14,988.35.

Chartis travel insurance acceptance age is up to 70 years old only.

For the 79- to 81-year-old passenger, the premium is 108 Euros or  P 6,610.13, or 30% of the travel insurance premium quoted by Dominican Tour.