Excerpt from: The Consumerist (click for full article)
Patti's comment: I have had personal experiences like this, as have many of my clients, so be careful folks!
When you’re buying a non-refundable plane ticket, it can be very tempting to fork over the few extra dollars to pay for travel insurance so that you’ll be able to get your money back in the case of an emergency like a medical crisis. But as easy as it is to click on that box and sign up for the plan, the insurance companies don’t always make it easy when it comes time to file a claim.
Take the example in today’s L.A. Times of a California woman who had to cancel her plans to visit Washington, D.C., in December after she began experiencing shortness of breath and her doctor advised her not to fly. Luckily, she’d paid $29.33 for a travel insurance policy so she’d be able to get her $451 airfare refunded.
See, this particular travel insurance policy has an exception for cancellations due to pre-existing medical conditions, and the insurer eventually determined that the passenger’s cancellation fell under this category.