Is there a generic Travel Insurance that will cover ALL of our trips?

[dominidude]

For what is worth, in black and white, here is the answer to my question:
https://www.redweek.com/resources/ask-redweek/timeshare-owners-need-travel-insurance

VacationGuard is one of several specialty insurance carriers that provides trip-cancellation coverage through timeshare HOAs and management companies. But it also offers programs for individuals that are broader in scope than plans offered by specific travel clubs. Its Timeshare Plus Protection Plan, for example, covers all travel losses, among all clubs, for a full year. The $299 insurance premium includes trip cancellation, trip interruption, trip delay, emergency medical, rental car damage, and more for up to eight people.

 

[bendadin]

For what is worth, in black and white, here is the answer to my question:
https://www.redweek.com/resources/ask-redweek/timeshare-owners-need-travel-insurance

VacationGuard is one of several specialty insurance carriers that provides trip-cancellation coverage through timeshare HOAs and management companies. But it also offers programs for individuals that are broader in scope than plans offered by specific travel clubs. Its Timeshare Plus Protection Plan, for example, covers all travel losses, among all clubs, for a full year. The $299 insurance premium includes trip cancellation, trip interruption, trip delay, emergency medical, rental car damage, and more for up to eight people.

So, I can't quite figure out exactly what is covered. Does it cover MF on the points? We had to leave Disney due to Irma. I haven't received my points back and I haven't received a refund for the cash portion that I paid. I have every confidence that Disney will make it right. Ironically, we left Disney early, my daughter had a baby across the country so I fly to help her, and end up in emergency surgery. It was certainly a wake up call that sometimes things don't go as planned.

 

[WackyLucy]

While the conversation with Brian Rock cited in post #48 is certainly interesting and provides illuminating details regarding exchanges, I don't see that it provides any clarification at all regarding the issue of coverage for multiple weeks with multiple independent properties by a single policy, where insurance is neither available through the resort nor its' management company.

Post #51 cites a 2016 RedWeek interpretation of Vacation Guard. As well as that cited material not being VacationGuard actually speaking for itself, that RedWeek interpretation could very well have long preceded the Berkshire Hathaway takeover of VacationGuard, rendering the RedWeek input both second hand input and old news.

I don't claim to have any knowledge about timeshare / travel insurance, but simple logic would clearly suggest that a single policy would not / could not possibly ever cost the same for one timeshare vs. for twelve timeshares, with each timeshare having its' own individual multi-hundred dollar annual maintenance fee costs, never mind all the multiple separate travel costs.

In short, I for one remain completely confused by what appears to be directly conflicting information within this thread.

 

[WinniWoman]

While the conversation with Brian Rock cited in post #48 is certainly interesting and provides illuminating details regarding exchanges, I don't see that it provides any clarification at all regarding the issue of coverage for multiple weeks with multiple independent properties by a single policy, where insurance is neither available through the resort nor its' management company.

Post #51 cites a 2016 RedWeek interpretation of Vacation Guard. As well as that cited material not being VacationGuard actually speaking for itself, that RedWeek interpretation could very well have long preceded the Berkshire Hathaway takeover of VacationGuard, rendering the RedWeek input both second hand input and old news.

I don't claim to have any knowledge about timeshare / travel insurance, but simple logic would clearly suggest that a single policy would not / could not possibly ever cost the same for one timeshare vs. for twelve timeshares, with each timeshare having its' own individual multi-hundred dollar annual maintenance fee costs, never mind all the multiple separate travel costs.

In short, I for one remain completely confused by what appears to be directly conflicting information within this thread.

Exactly. This is why vacation guard had even stopped offering the insurance years ago- it couldn't get the pricing right for people with multiple timeshare vacations as opposed to people with just one or two. They had to keep increasing premiums to the point that it was no longer a sustainable business model. I received an email from the owner at the time regarding this.

 

[WinniWoman]

I just got my 2018 travel insurance through Generali. Covers timeshares (same policy as CSA) and is in the written policy for NY and my 3 weeks were $278.

Funny- my 2 consecutive weeks were $144 (for a total of $1700+ maintenance fees) and the 1 exchange week was $134 (for the total of $1100+ maintenance and exchange fees). I am not even sure what my maintenance fees will be for one of the timeshares for 2018, so I based them on 2017. The other I have already paid for 2018 so I know that cost.

Our other week is through Home Away and I used my Citi World Card for that. They cover vacation rentals but not timeshares.It is a drive to so no worries about airline or rental car costs.

I only care about trip interruption and cancellation, but policies are always sold with all the other stuff making them more expensive. But I do not trust a policy that does not mention timeshares specifically.

I did call Generali to make sure I didn't have to pay my maintenance fees before buying insurance and the rep. said I was correct.