As long as you buy prior to the start of your 2018 use year you will get 2017 points. However, the closer you get to that date, the less likely that DVC will have 2017 points to sell to you.
Seems I missed the title and answered a question that wasn't asked. Oops! Thanks for the heads-up.I think the question was about buying insurance. I don't know the answer, which is why I am alerting you with this post. Hopefully you know more than I do about it.
I am curious, let's say you want to get trip insurance not through DVC, but on your own, how do you value the points? I just don't see a justification for paying yearly for trip insurance when I may not take a trip every year and also we tend to do trips that are part DVC, part other stuff, would be nice to have it all under one insurance policy.
Actually, I just read it at Travelex site and some other countries are available. You need to look for yourself.The insurance is only good for US citizens so if any international members are thinking of buying then dont it wont cover you.
Once you click through to the Travelex site you find that different states have different rules, California says that a network, for example RCI would be one that handles exchanges of timeshare interests would be covered while booking cruises with a third party would not.I just reviewed the copy of the policy currently on the DVC website and compared to one I had printed out a few years ago. There are some minor changes, mostly clarification of coverages. The previous version was very vague about what trips were covered. It referred to exchange fees and didn't specifically say the coverage was only for trips booked with DVC points. I would have to study it more, but it's still not entirely clear on some things. It says the trip has to be "tracked, paid for and/or managed by the Property Management Company." I think that means trips for which you used points to exchange out (cruises, ABD, etc.) would be covered but not exchanges in such as from RCI, although those might be "tracked by" DVC. I didn't see anything that made me think you'd need more than one policy for each contract, but it is now very clear that each UY needs its own policy and a trip using multiple UY points would require separate coverage for each UY. Strangely, I couldn't find any time limitations for purchase to receive coverage for weather-related cancellations or delays. I must just be missing it. If not, it's better coverage than I thought possible.
I would also make sure you are downloading the pdf for your state from the travelex site and just call and ask.That would really be great if my DVC trips booked through RCI were covered too, but not worth moving back to CA for! I hadn't thought about different rules for different states but that makes sense. Thanks for pointing that out.
I believe that the Preexisting Condition Clause is waived if you purchase the insurance within a few days of paying your annual dues.I have purchased this a few times, and fortunately purchased it prior to booking Aulani in 2015
My only concern now is the Preexisting Condition Clause, as the ailment that hit my DW is now chronic for her.
That’s correct. I buy it every year at the same time I pay my dues, because we have pre-existing conditions all over the place.I believe that the Preexisting Condition Clause is waived if you purchase the insurance within a few days of paying your annual dues.