Reply to Recourse on non-refundable lodging

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[quote=Anonymous][quote=Anonymous]“It's not clear that travel insurance would cover a situation such as this. Read the fine print. Don't be so smug.”

Actually it is pretty clear. You get the opportunity to read the entire policy in full before you even purchase. And the policies are extremely crystal clear about EXACTLY what they will and will not cover, even down to specifics including exact places, events, dates, companies, airlines, tour companies, illnesses etc. I’ve been buying these policies for years, so I know what I’m talking about.

Like I said, you should’ve read the fine print and you didn’t, and now you’re complaining. I’m not trying to be smug but you do need to place the blame on yourself, where it belongs, and not the insurer.
[/quote]

Huh?  I wrote that, and I'm not the OP.  But I think you've made my point. The pp was acting all smug because they buy travel insurance, but most travel insurance policies would not cover this situation. Unless you bought very expensive "cancel for any reason" insurance, and which is impossible to get at this point.  What provision of the insurance policy would you invoke?  There is not an "I'm scared to travel" provision.  OP is not ill.  The airlines are flying and the government has not stopped domestic travel.  In fact, truth be told, the federal and the state governments probably don't even have authority to enforce quarantine/no travel orders.  https://www.nbcnews.com/business/consumer/travelers-are-learning-hard-way-their-insurance-doesn-t-cover-n1155771.

As pointed out in the article, most travel insurance is actually pretty worthless. The only time I buy it is when I'm traveling overseas and I'm concerned about getting ill and needing expensive "air ambulance" transportation back home (which is the only situation I've ever heard of where someone was glad they bought trip insurance).  I've saved enough $$ in premiums to pay for several cancelled trips.  So, I guess you could say that I self-insure? [/quote]

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