Good Sam Club Open Roads Forum: General RVing Issues: RV Travel Insurance ??
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 > RV Travel Insurance ??

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TC&Z

USA

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Posted: 08/26/21 10:54am Link  |  Print  |  Notify Moderator

We live in Atlanta and are considering a 4-6 week camping trip to Michigan to visit family in October/November. We like to take it slow and see the sights along the way, 2 nights at each campground. We usually make reservations in advance to avoid stress. With the Delta variant COVID unknowns is there any RV travel insurance that will reimburse our costs if we don't go on the trip due to illness (ours or the family's) or closure? The CGs aren't usually very understanding. know there's an element of how far ahead you cancel too.

The insurance may cost more than what is at risk but thought I would ask....

Take care...


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valhalla360

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Posted: 08/26/21 11:47am Link  |  Print  |  Notify Moderator

Try to avoid non-refundable reservations is your best bet.

My wife is a travel agent and in the normal travel insurance world, they have been calling out covid related as not covered on newly issued policies.

PS: Michigan campgrounds start shutting down mid October, so make sure they will even be open. On the positive side, running without reservations is much more viable, particularly on weekdays since kids are mostly back in school.


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Grit dog

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Posted: 08/26/21 11:56am Link  |  Print  |  Notify Moderator

"RV Travel Insurance"....sounds like a sucker move.
You're camping, not in the south and not in the summer. Make reservations as you go if it's worrisome.
The reason you can insure "anything and everything" is because there are enough people gullible enough to insure "anything and everything."

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Sandia Man

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Posted: 08/26/21 12:52pm Link  |  Print  |  Notify Moderator

I wouldn't know about insurance that covers covid related cancellations, I do know if you are vaccinated and follow CDC protocols you should not have any issues catching or spreading virus. My DW and all 3 DDs are nurses and had no issues dealing with the hundreds of covid patients they cared for thus far. Our state for the most part closed down, but that didn't stop us from going to neighboring states of AZ and Texas on over a dozen occasions to continue to enjoy the RVing lifestyle.

The way I see it is if truckers transporting the goods we rely on, underpaid Walmart/grocery/fuel station/fast food employees, and of course health field workers have to go to work to keep this great country going, I will venture out as well following CDC protocols to keep us safe. Traveled over 1K miles last summer when pandemic was roaring through most states to purchase our current RV, thankfully TX state parks were open and we were able to enjoy our new rig on our way back home.

ktmrfs

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Posted: 08/26/21 01:17pm Link  |  Print  |  Notify Moderator

at least the oregon state campground reserved sites cam be cancelled up to the day of arrival with refund of the site cost. no refund on reservation fee. And in the past it was the same for sites reserved through the federal campground website.


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Dutch_12078

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Posted: 08/26/21 06:15pm Link  |  Print  |  Notify Moderator

ktmrfs wrote:

at least the oregon state campground reserved sites cam be cancelled up to the day of arrival with refund of the site cost. no refund on reservation fee. And in the past it was the same for sites reserved through the federal campground website.


Oregon State Parks

"Campsite, rustic or deluxe yurt, rustic or deluxe cabin, tepee, horse camp or boat moorage: If you cancel within 3 calendar days of your arrival date, OPRD retains your reservation fee, transaction fee (if any) and first night’s use fee."

Cancel reservation

National Park Campgrounds

"Late Cancellations or Cancellations within the Cut-off Window
Individual Campsites: A customer who cancels a reservation the day before or on the day of arrival will pay a $10.00 service fee AND forfeit the first night's use fee (not to exceed the total paid for the original reservation). Cancellations for a one-night reservation will forfeit the entire amount paid and will not be subject to an additional service fee."

Rules & Reservation Policies


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wing_zealot

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Posted: 08/26/21 07:21pm Link  |  Print  |  Notify Moderator

valhalla360 wrote:

PS: Michigan campgrounds start shutting down mid October, so make sure they will even be open. On the positive side, running without reservations is much more viable, particularly on weekdays since kids are mostly back in school.
That might work if you don’t need a camping site on a weekend - yes, even in October in Michigan.

Crowe

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Posted: 08/27/21 05:38am Link  |  Print  |  Notify Moderator

"RV Travel Insurance"....sounds like a sucker move.

No, it isn't. While I agree if at all possible book a campground that has a liberal cancellation policy that's not always an option.

To answer you question: If you get ill then any insurance policy should cover it. Some are now covering for COVID related closures, bans, etc. I would check with Allianz about a policy. There are varying options at varying rates.

The amount of a policy could be well less than penalties for multiple cancellations. The peace of mind can be well worth it. Remember these policies cover you from the time you purchase the policy through the entire vacation. Don't let the naysayers discourage you from at least looking into it. Your money, your decision, not subject to the scorn or comment of others.


I may not have gone where I intended to go, but I think I have ended up where I needed to be Douglas Adams

RV-less for now but our spirits are still on the open road.

JRscooby

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Posted: 08/27/21 06:56am Link  |  Print  |  Notify Moderator

Crowe wrote:

"RV Travel Insurance"....sounds like a sucker move.

No, it isn't. While I agree if at all possible book a campground that has a liberal cancellation policy that's not always an option.

To answer you question: If you get ill then any insurance policy should cover it. Some are now covering for COVID related closures, bans, etc. I would check with Allianz about a policy. There are varying options at varying rates.

The amount of a policy could be well less than penalties for multiple cancellations. The peace of mind can be well worth it. Remember these policies cover you from the time you purchase the policy through the entire vacation. Don't let the naysayers discourage you from at least looking into it. Your money, your decision, not subject to the scorn or comment of others.


Fact is winners do not keep the casino lights on. You want to bet your trip gets messed up, want them to bet it don't. If the companies did not expect to win they would not offer the policy.

valhalla360

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Posted: 08/27/21 07:19am Link  |  Print  |  Notify Moderator

wing_zealot wrote:

valhalla360 wrote:

PS: Michigan campgrounds start shutting down mid October, so make sure they will even be open. On the positive side, running without reservations is much more viable, particularly on weekdays since kids are mostly back in school.
That might work if you don’t need a camping site on a weekend - yes, even in October in Michigan.


Other than Halloween weekend, things usually settle down in Michigan after school starts. Yes, there will still be weekend campers but fewer, so finding a site should be easier (consider getting into a site on Thursday, so you are locked in).

Also depends on exactly where in Michigan the OP is looking...it's a bigger state than some people realize. Erie (SE corner) to Ironwood (west end of the UP) is a 10hr drive in a car (probably 12-14 in an RV). Close to Detroit, there are very few campgrounds and lots of potential campers. Further north, more campgrounds and fewer potential campers.

And maybe the OP will only be in Michigan mid week.

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