MVC Insurance applied on last minute II cancellation

[LUV2TRVL2HI]

We have two villas (Marriott-to-Marriott exchanges) confirmed in three weeks through Interval for 4 couples. One of the couples is now not able to go because of serious illness. We have the travel insurance through MVC but are concerned that if we cancel the reservation for one of the villas that II will just give us a replacement week that only has a 30-day leeway to make another reservation (like they did when our week was cancelled due to Hurricane Irma several years ago). We wasted that week because we cannot plan trips with only a 30-day notice. We would rather just cancel the reservation and use the travel insurance we purchased through Marriott. Have any of you ever done this, and how did you go about making sure II did not step in and just give you a replacement week? TIA for any suggestions!

 

[Quadmaniac]

I'm not completely familiar with Marriott's insurance but I would be surprised it would apply. You reserved your week at Marriott and deposited it into II. The deposit was then used to trade for another week and you can't use that traded week now. Technically you did not cancel your Marriott week deposit, that was given to II so you did not cancel the week you own, you are cancelling an exchange. I could be completely wrong, but technically you're not cancelling your Marriott week you bought insurance for.

 

[Fasttr]

I believe the MVC insurance does follow your week through II exchanges, perhaps with some date limitations as to how far into the future the II exchange can be for. The trick is that the insurance year you purchased must cover the same use year that your initially deposited MVC week reservation was from. Example, 2018 MVC week deposited into II and you exchanged into a 2019 II week, in that case, you would need 2018 MVC insurance to cover your MF's on that week.

As for advice on how to handle....likely best to call MVC and ask. Seems the advice others have been given is NOT to cancel the ressie, but instead let it go stale (past check in) and then submit the loss to the MVC insurance to be compensated directly by the insurance, and not by II via a replacement week.

 

[griffer1278]

I believe the MVC insurance does follow your week through II exchanges, perhaps with some date limitations as to how far into the future the II exchange can be for. The trick is that the insurance year you purchased must cover the same use year that your initially deposited MVC week reservation was from. Example, 2018 MVC week deposited into II and you exchanged into a 2019 II week, in that case, you would need 2018 MVC insurance to cover your MF's on that week.

As for advice on how to handle....likely best to call MVC and ask. Seems the advice others have been given is NOT to cancel the ressie, but instead let it go stale (past check in) and then submit the loss to the MVC insurance to be compensated directly by the insurance, and not by II via a replacement week.

This is exactly what we did when we were not able to go to Lake Tahoe last year. We used points and were compensated for the cost of these by Travelex. But I would check with the insurance company to be sure.

 

[LUV2TRVL2HI]

This is exactly what we did when we were not able to go to Lake Tahoe last year. We used points and were compensated for the cost of these by Travelex. But I would check with the insurance company to be sure.

griffer1278 - Did you just not show up for the reservation, or did you cancel it the day you were set to arrive?

 

[griffer1278]

griffer1278 - Did you just not show up for the reservation, or did you cancel it the day you were set to arrive?

We just didn't show up. If you cancel the reservation and Marriott gives you a replacement week then Travelex would not compensate us. We were told this by a Travelex rep.

 

[Quadmaniac]

We just didn't show up. If you cancel the reservation and Marriott gives you a replacement week then Travelex would not compensate us. We were told this by a Travelex rep.

So when you don't show, how does Travelex determine your eligibility for compensation ? There must be certain criteria that needs to be met ? Proof of illness, cancellation of flights by the airline, etc ??