Travel insurance purchased through Vrbo gets lost in the shuffle

I reached out to Vrbo again. An agent told me to contact CSA. I even copied and pasted my insurance confirmation in the correspondence, but he wasn’t interested. I also asked him for his badge number, but he said he wasn’t allowed to provide it.

To resolve the problem, I would appreciate confirmation of a trip insurance policy so that I can take the necessary steps to obtain a refund. Can you help me, please?

SAM MANIAR, Hudson, Ohio

A. If you paid for a travel insurance policy through Vrbo, you should have it. What Vrbo does — or doesn’t — do with your money once it confirms the policy is not your problem.

Your correspondence with Vrbo clearly shows that you purchased an insurance policy. That turned out to be a smart move, because the policy covers an unexpected illness.

Since a member of your party can’t travel, you should get a full refund for your stay.

The paper trail is confusing, but it supports your position. Vrbo’s system said, “The original purchase did not go through and was canceled.” Yet, you received a confirmation. But Vrbo also says it initiated a retroactive purchase of the trip cancellation insurance for you. So, you should have been covered.

I list the names, numbers, and e-mail addresses of Vrbo’s executives on my consumer advocacy site at www.elliott.org/company-contacts/vrbo-customer-service-contacts. It looks like you tried to contact them but never heard back. That’s problematic.

There’s only one way you could have known that you didn’t have insurance, and that is to monitor your credit card purchases carefully. If you’re expecting a transaction, and it doesn’t go through, you’ll need to make inquiries. That’s especially important with insurance. And yes, even if you get a confirmation.

I contacted Vrbo on your behalf.

“This is a complex case,” a Vrbo representative told me. “Our customer relations team has been looking into what happened with Mr. Maniar’s booking and [has been] speaking with CSA to get more information. We are also providing Mr. Maniar with a full refund for the cost of his booking as a gesture of goodwill, and he will be contacted by our billing team for next steps.”

Vrbo refunded your stay.

Christopher Elliott is the chief advocacy officer of Elliott Advocacy, a nonprofit organization that helps consumers resolve their problems. Elliott’s latest book is “How to Be the World’s Smartest Traveler” (National Geographic). Contact him at elliott.org/help or chris@elliott.org.