How to mitigate the financial impact of a cancellation?

@Silversitters

It’s great to hear how smoothly that went for you, hopefully that will bring reassurance to other members.

I don’t have Premium membership because I sit within Europe and have a home to go to in two different European countries. I had a quick look and if, for instance, I had to fly to either home within the next few days I could get a flight for as low as €35 to one place and €90 to the other.

If I were to be going to somewhere like Australia or Canada then it would definitely be a necessity to take out the Premium membership.

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@llbarton53 that was very generous of you.

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@llbarton53, sorry to hear of the health emergency. Never a good thing. Glad that it was resolved. Perhaps a reminder for all involved in housesitting that stuff happens. Kudos on being nice to cancelled housesitter.

Simply as illustration, housesitter may have been eligible for THS Sit Cancellation Insurance:

  • Housesitter is THS Premium Member
  • Pet Parent cancellation within 14 days of sit start date
  • After cancellation, there are no available housesesits within 20 miles of Pet Parent location
  • Housesitter willing/able to find alternative paid accommodation within 20 miles of Pet Parent location (housesitter home location 200 miles away is not relevant)
  • If approved, housesitter would personally pay first US$150 of alternative accommodation costs. Policy could cover next US$1500 of alternative accommodation costs up to max US$150 per night (as four week trip then coverage would impact only first portion of cancellation period)

THS could enhance its Sit Cancellation Insurance coverage in various related ways.

Glad it worked out for you, and you’re clearly an efficient person.

Just wondering, did you have to drive to within 20 miles of the sit purely to stay in accommodation to be within the Ts & Cs or were you already nearby? Was your accommodation within the $150 per night limit?

I’m heartened to hear that the THS support you received was first class. Well done!

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We were already on the sit when it was curtailed so we were already in the area .

We had various reasons to stay in that same vicinity and found alternative accommodation through booking.com which was about 10 miles away . So it met our needs and also the criteria of the sit cancellation plan. It was just within the daily limit $150 - we could have got a hotel room within that price limit , but chose an apartment which gave us more space to work from, a kitchen so we didn’t have to eat out (which would have been an additional expense ) and it also had a garden.

It was much smaller than the lovely home where we were house sitting but it was a solution that worked for us.

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That’s great. Thanks for your quick response

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Ours was similar @Smiley - filed the claim, proved no sits nearby, found the accomm and sent the screenshots. We did have to drive 4 hours to the sit (which is bonkers) but luckily it was an even nicer area so no hardship, we found accommodation that was about £100 a night as it was high season and within 16 miles of the sit. THS paid up within 14 days in full minus the $150 so about $900 came back to us. #incaseuseful

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@anon55123711, your understanding is accurate. 18 months ago, we experienced a sit cancellation near San Francisco - on first day of confirmed sit. There were alternative housesits within 20 miles. THS Sit Cancellation Insurance was therefore ineligible. Faced with reality of some undesirable properties, responsibilities, other features then we had to apply/confirm alternative sit as best we could. Not ideal. Experience made us carefully read insurance policy terms.

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When I used the insurance, I used my usual filters to look for sits (only certain animals, accessible by public transit) and took a screen shot showing there were no sits in the area using those filters. I didn’t have any issues getting reimbursed - other than it taking a long time.

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Couchsurfing is about personal exchange, but there are some hosts that either don’t have the time or aren’t so keen on the spending time part.

Couchers is another organization that was born out of the ashes of couchsurfing - I am a member but haven’t used it yet. Same principle, though - there is an expectation of engagement.

I have met really great people though CS, both as a host and a surfer.

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You are a good egg. Thank you for your integrity.

My perhaps not popular viewpoint: You should not do sitting if you have to live from sit to sit and have no funds for emergencies and living on your own dime for at least a month (at the absolute minimum!).

People shouldn’t blame others for their choice to live in such a financial precarious way. If I knew that a prospective sitter didn’t have enough money to live on their own for awhile, I would not consider them to be a responsible adult and therefore would not trust them with my home and my pets.

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Absolutely agree!

It’s unfortunate that some people find themselves in such a precarious situation but It seems to be becoming more common.

Certainly for anyone who voluntarily make themselves homeless ie, decide to become nomadic they should have a plan in place and the finances to cope with cancellations.

If entering another country it is usually a requirement to be able to show sufficient funds to support yourself for the duration of the stay. People are seldom asked but it is a possibility.

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I agree with this part:

You put yourself in a very risky situation if you voluntarily make yourself homeless. In many countries it can be a system where it is easy to «fall between» and where the popular vote has made ordinary people at risk of suddenly be without a safety net (use your vote and change your system :grinning_face_with_smiling_eyes: ). If so, it could short term seem a good idea to «live rent free». But that is short term. And as long as you are healthy. If something happens - health, income, - or change of circumstances you have no control over - you risk to be without healthcare/ care/ income or to be in a situation to be deported with no country that wants to take you in with lack of (valid) residency. It could well happen and more or less «over night» as recent events have shown.

If you’d like to live nomadic, do so, but take precautions and prepare.

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Please clarify your thinking.

I would say exactly the opposite. If all communication is done ON the THS message thread then there is no dispute what was said and wasn’t said.

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I agree with your perspective for sure and I don’t think it is an unpopular viewpoint at all.

My husband and I are fully nomadic and have been so for over a decade. We have healthy savings and income sources so in the event of cancellations, gaps,etc…we have the funds to support ourselves. Having had financial problems in the past, I can sympathize with people who are struggling in that way for sure.

Fortunately, cancellations have been very rare and we have always been able to find replacement sits no problem. We have never had an international sit cancelled. There have been less than a handful of times a sit had to end early. In all but one instance, it was not more than a day or two.

And for the longer one–which was due to a family emergency–we just decided to go visit with some family and then we booked some sits in that area afterwards.

There is a big difference between people who choose to take advantage of the financial benefits of sitting–and probably live a higher quality of life in many respects at a lower cost than they could normally–and people who are truly financially dependent on it.

Generally speaking–and based on my 11 years of experience– I do think cancellations are relatively rare and most sits go ahead exactly as planned. But there are countless things that could crop up that require a host to cancel, and people who are in really precarious financial circumstances really need to give this some thought especially if the cancellation happens very close to the start of the sit.

Of course some people may get the cancellation coverage but there are limits to how much it pays out, stipulations for where the accommodation needs to be,etc…and it may or may not be very helpful in a particular circumstance. That the money needs to be paid upfront and reimbursed may also limit its usefulness for people who are tight on money.

If someone is in an area where there are lots of sits, but couldn’t line up the dates perfectly, do you have money for even just a few days of a hotel?

If you are planning on traveling to an area where there aren’t a lot of sits would you be able to cover the whole cost of your original stay? This is also important to consider if you plan on booking back to back sits in a particular region.

If you didn’t have the money to support your stay for sit X, would you still be able to do sits Y or would you need to leave the area and cancel on the host?

If in an area where there aren’t as many sits, are you able to afford to get to an area where there are lots of them?

The terms and conditions that state a host shouldn’t cancel a sit unless there is serious reason to do so is nice and all. But in reality, there are lots of reasons a host may need to cancel a trip that aren’t dire emergencies–a big work project comes up and it isn’t the best time to go away now, change in finances and a expensive vacation isn’t the best move right now,etc… And in some cases, they may not have a particularly good reason but they can ultimately do whatever they want and no one can make them travel.

So this idea that hosts will take a trip that no longer really suits them for one reason or another strictly because the sitter may be depending on that sit to house them for that period is not realistic.

It is important to remember that people are inviting sitters into their house because they are performing a specific service for them–this is what THS is about, not providing housing for people in need of it.

As for travel costs, if sitters choose to buy non-refundable airfare and other sorts of tickets–or that is the only option for a particular fare– that is their choice and they have to accept the risk that comes with that.

And that is coming from someone who has never bought a refundable plane ticket in her life.

While a host offering to reimburse a sitter is very kind, they are in no way obligated to do that, and should be seen as something that would be a very pleasant surprise rather than something for which you have a strong expectation.

Again, I think cancellations are pretty rare but they can happen. This means that people who have serious financial issues should really take this possibility into account when selecting where they go. They should probably discuss the host’s plans in more detail before confirming–while there are no guarantees, it can help assess whether a particular trip may have a higher or lower likelihood of cancellation or significant date changes.

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Worth remembering that even premium coverage (when it applies), requires the sitter to front the costs of the replacement accommodations. And then there’s the $150 excess / deductible, on top of any overage over the $150 daily coverage. In many places, $150 won’t get you much if anything hotel wise, for example.

So unless the sitter has enough credit and can carry the costs till THS coverage pays out, the sitter can be at risk. THS payout has taken weeks to months, according to various members’ experiences, and it’s not guaranteed that THS will pay out.

Hotels also often put a hold on credit for incidentals, etc. Like I’m staying at my sixth hotel in less than a month, so if my credit limit weren’t high enough, that could create problems while I’m traveling, because each hotel has put a hold on my credit cards for a certain dollar amount.

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It would be a shame if the host/owner notified the sitter of a need to cancel ON the THS messaging system 15 days before the scheduled begin date of the sit.

In this case, the Premium sitter insurance is not valid to provide reimbursement for a hotel stay.

If the owner cancels 14 days or less from the beginning of the sit dates, then definitely DO communicate through the THS messaging system to document the cancellation.

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And?

No matter the circumstances or the time line of the cancellation I will make sure I have enough money in my current account to get back home or get to friends or family. I do not rely on THS or any insurance (apart from personal travel and health insurance which everyone who is travelling should have) to get me out of situations. I see THS as a platform to introduce sitters and pet owners. Nothing more, nothing else. Any scraps or situations I get into are my own bad judgement or just very bad luck and it’s up to me to extract myself from them.

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