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Ripoff resolved
- Thread starter dhousedog
- Start date
Thanks!
Thank you
EOD K9
Well-Known Member
I used Allianz for my trip insurance. They gave me the option of rolling it into another trip or an actual refund. They have been good to me in the past and I like using them.
StarshipDisney
Well-Known Member
Now that I understand it was more how Disney handled the situation that bothers you...I do more see your point. I agree the cast member should have offered to reschedule. But even then, I have never done this so I simply don't know if the trip insurance would transfer or not.
eliza61nyc
Well-Known Member
So I wouldn't call it a "ripoff" but combination of bad customer service and bad timing. the problem is every entity is a "little" bit correct. Your first Disney cm was right in that she could not do anything about getting the cost of the policy refunded. Disney does not write the policy.
Aon also is a bit correct, you canceled, now had you been out any money, they would have ponied up but you did cancel the trip. that's basically the nature of all insurance. you are hedging your bets in case something does happen. if nothing happens you don't get your premium back.
I think unfortunately it was a perfect storm of mix ups. Not sure why the first cm did not follow through, unfortunately on the phone reps are notorious for being bad. the running joke is you can call 5 different times and get 5 different answers.
I agree you're best recourse is to dispute the charge with your credit card company but sorry I don't agree that you were ripped off.
Aon also is a bit correct, you canceled, now had you been out any money, they would have ponied up but you did cancel the trip. that's basically the nature of all insurance. you are hedging your bets in case something does happen. if nothing happens you don't get your premium back.
I think unfortunately it was a perfect storm of mix ups. Not sure why the first cm did not follow through, unfortunately on the phone reps are notorious for being bad. the running joke is you can call 5 different times and get 5 different answers.
I agree you're best recourse is to dispute the charge with your credit card company but sorry I don't agree that you were ripped off.
Thanks for your text. Maybe I should have titled it Losing Insurance Money.
eliza61nyc
Well-Known Member
Lol, my husband use to call "insurance", the world largest legal scam.
Good luck, I do know it sucks, no one likes to waste money or feel like they got ripped off.
Chef Mickey
Well-Known Member
The problem is the insurance transaction is done by a separate party. Basically, Disney is going to have to eat the $424 (which I'd probably do if I were them to get you to re-book). I agree it's stupid of Disney to not just eat it, but I don't really think they owe you that.
I am trying to think of a scenario why the insurance premium would be refundable. The insurance is for the trip cost, not the policy itself. Cancelling or exercising the option seems to make you whole on what was insured, but will not guarantee the cost of the is recovered.
If Disney officially is closed and it's impossible to go on the trip, I don't see why the insurance company wouldn't refund the trip insurance though. Maybe they wouldn't "have" to, but it seems kind of unfair. The insurance was there for you to cancel for personal reasons.
I am trying to think of a scenario why the insurance premium would be refundable. The insurance is for the trip cost, not the policy itself. Cancelling or exercising the option seems to make you whole on what was insured, but will not guarantee the cost of the is recovered.
If Disney officially is closed and it's impossible to go on the trip, I don't see why the insurance company wouldn't refund the trip insurance though. Maybe they wouldn't "have" to, but it seems kind of unfair. The insurance was there for you to cancel for personal reasons.
Minthorne
Well-Known Member
nice!
Disstevefan1
Well-Known Member
in my opinion, the reason this situation was different is because of COVID. The resort closed (you can’t vacation there) , the vacation was not cancelled on a whim. Also, I thought Disney was cancelling stays and contacting their customers?
eliza61nyc
Well-Known Member
You're right and had op been out of any money that would have been refunded. think of it this way, with any insurance are you ever refunded the price of the policy? If you car gets stolen or destroyed through no fault of yours, you get the price of the repairs. You never get the cost of the policy back.
Back in the day you would buy very specific trip insurance policy. say someone gets sicks or there was a delay causing you to miss a connecting flight. Now though most policies are what they call, "cancel for any reason" so no matter what the reason the trip was canceled or disrupted the policy holder gets the refund.
I totally agree that as a goodwill gesture for great customer service Disney should have just moved the policy (which it seems they did) but this is no way a rip off. at worst it is lousy customer service when they first called.
I'm cancelling my August trip, even if the parks are open I know I won't feel comfortable going, I don't expect to get the cost of the insurance policy to be refunded.
DisAl
Well-Known Member
Sorry you got stuck here and this won't help you, but maybe it will help someone else.
If you had just changed the dates on your reservation rather than cancelling it would have probably kept the insurance.
We called and changed our dates from May this year to May next year. We even have the same confirmation number. We will have to add back the tickets and dining plan when the full packages come back out in June or July with the 2021 package price.
That works in Disney's favor too. Rather than cancelling the existing reservation, making a new room only for next year, then cancelling that and making a package reservation when they come out it is now what they called a "mini package" until I do the add on. What I had already paid was applied to this modified reservation which is at this time only the room, and the balance was refunded to my credit card.
When you consider that probably 100,000 (pulled that number out of the air....) people are in the same situation that means 300,000 reservations they won't have to handle in the cancel - make room only - convert to package scenario.
If you had just changed the dates on your reservation rather than cancelling it would have probably kept the insurance.
We called and changed our dates from May this year to May next year. We even have the same confirmation number. We will have to add back the tickets and dining plan when the full packages come back out in June or July with the 2021 package price.
That works in Disney's favor too. Rather than cancelling the existing reservation, making a new room only for next year, then cancelling that and making a package reservation when they come out it is now what they called a "mini package" until I do the add on. What I had already paid was applied to this modified reservation which is at this time only the room, and the balance was refunded to my credit card.
When you consider that probably 100,000 (pulled that number out of the air....) people are in the same situation that means 300,000 reservations they won't have to handle in the cancel - make room only - convert to package scenario.
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Just an FYI... Aon is not an insurance company. They are national broker(Agent)
This is 100% correct. This is how all insurance works.
All this discussion about trip insurance is good -- but clearly you have to weigh up front whether or not it's worth it to you based on your individual circumstances.
If you're driving to WDW, and staying on-site, and you've got enough cash reserves to handle a break-down or a pop-up hurricane cancelling your trip, then maybe you don't need it.
But if you're immunocompromised and taking an international cruise, you'd be foolish to not get good trip insurance.
I'm reminded of my sister's onset of pneumonia while between Rome and Dubrovnik in the Eastern Med/Adriatic. The ship's doctor put her and her husband off the ship in Dubrovnik. Fortunately, they had a good trip insurance plan that reimbursed them for the hospital stay and associated costs of getting back to the US after she was sufficiently recovered to fly.
If nothing had happened, they were out the premium, but they had the peace of mind that if something happened, they'd be covered.
As it turns out, their premium was returned to them many times over in the thousands it cost to get her well and repatriated to the US.
If you're driving to WDW, and staying on-site, and you've got enough cash reserves to handle a break-down or a pop-up hurricane cancelling your trip, then maybe you don't need it.
But if you're immunocompromised and taking an international cruise, you'd be foolish to not get good trip insurance.
I'm reminded of my sister's onset of pneumonia while between Rome and Dubrovnik in the Eastern Med/Adriatic. The ship's doctor put her and her husband off the ship in Dubrovnik. Fortunately, they had a good trip insurance plan that reimbursed them for the hospital stay and associated costs of getting back to the US after she was sufficiently recovered to fly.
If nothing had happened, they were out the premium, but they had the peace of mind that if something happened, they'd be covered.
As it turns out, their premium was returned to them many times over in the thousands it cost to get her well and repatriated to the US.
