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