Macy’s 2020 FAQs
Please review these questions before submitting a new one to Mr Runyon. This page will be updated as more questions are asked and answered.
Question: Many companies are denying claims due to it being a pandemic. Will this travel insurance cover is under this reason?
Answer: Although I can’t speak on behalf of Travel Insured International, if you’re looking for cancellation protection due to fear of traveling because of the virus, you will want to make sure that it includes Cancel For Any Reason (CFAR) coverage. The policy that is being offered through Travel Insured International on our online link includes CFAR.
Question: What happens if Macy’s/NY does not cancel the parade, but the Brownsburg School Corporation decides that the band cannot attend, with regard to the insurance.
Answer: That is another reason it’s important to purchase insurance that includes Cancel For Any Reason (CFAR) coverage.
Question: Do we have until 9/24 to decide about the insurance, or should we proceed now?
Answer: The insurance must be purchased before making your final trip payment to MTC, and before the trip is cancelled or postponed.
Question: Would the school/band ever decide to only send students and a few chaperones, or not allow families to go?
Answer: As we find out more information decisions may have to be made in regards to the safety of students and all involved.
Question: What is the final date to buy the insurance?
Answer: Must be purchased before 9/24 AND before the trip in canceled or postponed
Question: Should we keep paying monthly for the Macy’s trip at this point?
Answer: MTC recognizes the financial stress that COVID-19 has placed on some families. If you need to delay payment, please reach out to firstname.lastname@example.org. With communication, they will keep your account active during this time even if you are behind in payments. MTC does not charge late fees. Please keep in mind, as you delay payments, you will need to eventually catchup as we get closer to departure.
Question: If the event is moved to 2021 and a family has insurance, would the insurance “move” with it or would the family need to purchase insurance again?
Answer: Travel Insured has informed us that they will carry over policies to the new postponed date.
Question: Is the insurance fee schedule per person or family?
Answer: Per person.
QUESTION: Do we know how much the trip cost will be for the insurance?
ANSWER: I would recommend using the highest price on the chart for your accommodations, which would be the 415-passenger scenario. That will ensure you had full coverage if we ended up at that pricing scenario.
QUESTION: What would be non-refundable from MTC with a full trip cancellation with no postponement:
- ANSWER: Kickoff-July 14th: $100 non-refundable
- July 15th-September 24th: $250 non-refundable (show tickets are purchased)
- September 25th – Departure: 100% contractually non-refundable, but we would work with the vendors to get back as much as possible.
QUESTION: Even if the parade is cancelled, the vendors we have contracted with could still be open and operating, which would allow them to be firm with their contractual agreements.
ANSWER: No matter if someone has insurance or not, everyone will have the same refund from MTC (or more correctly, everyone will have the same non-refundable amount).
Those with insurance will then be able to file a claim on what was non-refundable through MTC. I can’t speak on behalf of Travel Insured when it comes to their policies and coverages, so you would want to talk to them directly if you’re curious on what would qualify as 100% covered reason for cancellation.
The good news is, the policy being offered includes the CFAR which will provide the 75% coverage with an approved claim to provide protection beyond their standard coverages.
QUESTION: If the state or city of New York were to cancel our trip, why would Insurance be necessary?
ANSWER: If there is a full trip cancellation with no postponement, unfortunately there are still some non-refundables. The amount just depends on when the cancellation is made. Here is a quick overview:
Kickoff to July 14th, 2020: $100 per person is non-refundable
July 15th – September 24th, 2020: $250 per person is non-refundable (increase is due to non-refundable show tickets being purchased)
September 25th to Departure: Contractually 100% is non-refundable, but we would work with vendors to get back as much as we can.
For those that purchase insurance, they will then be able to file a claim on what is non-refundable through MTC.
QUESTION: If a family purchases the trip insurance and then we move it to 2021, does the insurance move to the new date, or would we need to purchase trip insurance a second time to cover 2021?
ANSWER: We’ve been informed that Travel Insured will transfer the previously purchased policies to the new trip dates with a postponement. However, if there were a postponement, they would not allow previously registered travelers that had not purchased the insurance yet to add a policy.
QUESTION: we initially planned on five people from our family going on the trip and have been making payments towards all five. Regardless of what happens due to COVID one of us is likely going to drop out. In that case, can the payments made towards the person who drops be spread to the other four?
ANSWER: The non-refundable amount is per person, but any payments beyond that can be transferred to family members. However, if you have a new traveler (not previously registered) that would like to take your family member’s spot, that would allow us to transfer over the non-refundable payments.
Kickoff to July 14th, 2020: $100 per person is non-refundable
July 15th – September 24th, 2020: $250 per person is non-refundable
September 25th to Departure: 100% is non-refundable
QUESTION: trip insurance and specifically the CFAR coverage; will CFAR cover if one or more of us cancel out of fear of COVID? In other words, if the trip still goes, but one or more people in our party decide they don’t want to go due to the circumstances, can we get the 75% refund in that case?
ANSWER: Yes, the CFAR coverage will provide protection if you decide to cancel individually. The same restrictions apply as a group cancellation.
- CFAR coverage is 75% of the non-refundable trip costs (what’s non-refundable through MTC)
- Policy must be purchased before your final trip payment and before the trip cancellation/postponement
- You must cancel the trip at least 48 hours prior to the scheduled departure