Trip Insurance- Death in Family

We have a trip coming up. We do not currently have trip insurance. My grandmother is being put in hospice. Does anyone know if I get trip insurance now would they cover if we need to cancel or interrupt trip due to death?
Is this considered a pre-existing condition that wouldn't be covered for death?

Trip Insurance- Death in Family

You need to purchase the insurance within a certain amount of time fromwhen you booked the trip.

Some airlines and hotels will assist in a death in the family situation though

Trip Insurance- Death in Family

I don't think it would matter that it is "pre-existing". It depends on the insurance policy you purchase - some will cover that, some won't. (ie Some only cover weather related cancellations/interruptions etc) Just read through it before purchasing if you still have enough time to buy it before your trip. Unfortunately, I had the "opportunity" to use trip insurance when my mother passed away and it was one small thing that helped at the time.

Message edited 10/21/2016 11:48:17 AM.

Trip Insurance- Death in Family

Most trip insurance needs to be purchased within a certain time period of traveling, and within a certain time period of paying the trip in full.

I'm sorry to hear about your Grandma :(
My Grandma was put in Hospice, and it was ultimately about 6 weeks before she passed.

IF you are flying Southwest, you can cancel up until like 30 minutes before and just get travel credit.

Message edited 10/21/2016 11:54:22 AM.

Re: Trip Insurance- Death in Family

Trip Insurance- Death in Family

Typically you have to purchase trip insurance 7 days after booking.

There also may be provisions as to who in the family has died. (Policy may only cover if a person going on the trip has died, or first level family member.)

Again, YMMV and each policy is different so you have to look in detail. We've used and made a medical claim against a Travelguard policy - no issues dealing with them.

Message edited 10/21/2016 12:05:44 PM.

Re: Trip Insurance- Death in Family

Thank you everyone. Our biggest expenses are the non-refundable resort and the airfare. Good point with SW as we are flying them one way.

I was looking into the American Express trip insurance. I am able to purchase still. Just not clear on death policy and if pre-existing applies only to sickness or to death as well.

Hate for this to be looming over our upcoming trip.

Trip Insurance- Death in Family

So sorry to hear about your grandma. I would call the resort if the time comes and explain the situation.

Trip Insurance- Death in Family

So sorry to hear about your grandma. I would call the resort if the time comes and explain the situation.

Trip Insurance- Death in Family

Sorry about your grandma. As another posted mentioned, call the resort and ask if you could change your travel dates. I bought travel insurance several times but always within 14 days of booking my trip so as to get coverage for pre existing conditions. While I was researching travel insurance companies on cruise critic.com, I saw people mention Steve at Tripinsurancestore.com a lot. I haven't personally used him but apparently he is very resourceful and good at finding a policy that meets everybody's needs. If you explain your situation, him or other agents at this company may be able to find you a policy. GL.

ETA: Check with your credit card company that you used to pay for the trip and see if you have any coverage.

Message edited 10/21/2016 5:05:05 PM.