Mastercard Travel Insurance: weather reasonable cancel/accommodation?
October 19, 2023 5:11 AM Subscribe
I have a vacation to St John USVI booked with my Mastercard this coming weekend. It’s looking likely that INVEST 94L is becoming a developing tropical storm or Hurricane Tammy and may interfere with travel or cancel our flights.
I have questions about my credit card travel insurance to do with cancellation justification and accommodation: The insurance terms are here, starting on p11 of the pdf
My questions are :
1) How do we establish we are a “reasonable and prudent person (not) traveling or continuing on a trip”? The travel route is JFK->Puerto-Rico->StThomas (all flights) ->St John (ferry)
We might be able to fly to puerto rico/st thomas, but the ferry could be canceled for a day to our final destination. Does that count? Is warning of an impending hurricane enough? At what percentage - from whom? Do we have to wait at our departure airport(s) for a full day ?
and 2) Is our accommodation (in our case VRBO rental) covered? There is no mention of accommodation coverage directly but the text in the document is as follows and specifically mentions “inkeeper” as a travel provider
Exerpt from the document linked above:
Inclement weather, which prevents a reasonable and prudent person from traveling or continuing on a Covered Trip (e.g. severe weather or natural disaster that causes all travel to or from the scheduled destination to stop for at least 24 hours);……
Trip Cancellation We will reimburse you for the nonrefundable amount paid to a Travel Supplier with your Covered Card if a Covered Loss causes an Eligible Traveler’s Trip Cancellation, subject to the cancellation provisions in effect at the time the Travel Supplier is notified of cancellation. with your Covered Card.
Travel Supplier means a tour operator, innkeeper, resort, or a cruise line, airline, railroad or other Common Carrier
1) How do we establish we are a “reasonable and prudent person (not) traveling or continuing on a trip”? The travel route is JFK->Puerto-Rico->StThomas (all flights) ->St John (ferry)
We might be able to fly to puerto rico/st thomas, but the ferry could be canceled for a day to our final destination. Does that count? Is warning of an impending hurricane enough? At what percentage - from whom? Do we have to wait at our departure airport(s) for a full day ?
and 2) Is our accommodation (in our case VRBO rental) covered? There is no mention of accommodation coverage directly but the text in the document is as follows and specifically mentions “inkeeper” as a travel provider
Exerpt from the document linked above:
Inclement weather, which prevents a reasonable and prudent person from traveling or continuing on a Covered Trip (e.g. severe weather or natural disaster that causes all travel to or from the scheduled destination to stop for at least 24 hours);……
Trip Cancellation We will reimburse you for the nonrefundable amount paid to a Travel Supplier with your Covered Card if a Covered Loss causes an Eligible Traveler’s Trip Cancellation, subject to the cancellation provisions in effect at the time the Travel Supplier is notified of cancellation. with your Covered Card.
Travel Supplier means a tour operator, innkeeper, resort, or a cruise line, airline, railroad or other Common Carrier
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My read is that their example of inclement weather is the situation where all travel to or from is cancelled for at least 24 hours. So, if that is the example, I don't think probably/maybe going to be a problem is not going to meet that standard.
Travel Supplier includes innkeeper - I would expect that to include your AirBnB.
posted by metahawk at 11:16 PM on October 19, 2023