Why it’s so important to get ticket insurance for shows in New Jersey

It’s one of those things that some of us might overlook or even not think about when planning to see a show. Maybe tickets are purchased long before a concert and the price is not necessarily so low. Spending beyond the actual cost of the ticket may not be something you would like to do.

In most cases, that would be my thinking too. You’re already spending a lot of money on tickets and you might start to feel short of insurance. But I must tell you that it is worth spending more for it.

First of all, what show did I buy tickets for and what prompted me to buy the insurance? Well, the very thing that worried me had to do with what had happened.

Live music.Concert and band on stage.Festival and historical show

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In December 2021, it was announced that Jack Johnson would be touring and making a stop here in New Jersey. Since my wife adores Jack Johnson, and the timing of this announcement just before the holidays, I thought it would be a perfect thing to surprise her with.

What made it even better was that her New Jersey show wouldn’t take place until a few weeks after our wedding anniversary. So the stars were all aligned, making it a no-brainer to get a pair of tickets.

As I was buying my tickets through a very big and famous online ticket company, I saw the option of purchasing ticket insurance. I stopped for a bit to wonder if it was worth buying.

First, I decided to do a little research on this topic. I’ve heard of lawsuits against some big companies over misleading refund policies and their refusal to issue refunds for a handful of reasons.

After learning this, I then thought about all that we had just been through with the pandemic, and the unknown that awaited us. Not knowing where we might be with the virus months later was enough for me to decide to spend the extra on insurance. If the show had to be canceled or postponed due to the pandemic, I wanted to make sure I got my money back.

Fast forward to June, our anniversary month, and the approach of our next show. At this point, we had reserved a place for our children to spend the night while my wife and I prepared for our first outing to a show without the children since the pandemic began. I even took one of my Sundays to the radio ranch just so we could really enjoy the weekend.

(Tijs van Leur via Unsplash)

(Tijs van Leur via Unsplash)

So here we are, the Friday before the show, when around 3 p.m. with just over 24 hours before the show, we get the email. Saturday night’s show has been postponed. And the reason for this sudden change? Yeah, you guessed it. Covid.

This meant that our tickets were automatically transferred to the new date of his show, which was the following month on Tuesday 12th July. While we would have liked to go to this show, it just wouldn’t have been possible during the weekdays with work and camp for the kids.

So we had to start the cancellation process. First I went to cancel the hotel room. At first I was told I was unreadable for a refund due to the short notice. But after speaking to a manager and explaining the situation, he gladly accepted the cancellation. So far, so good. It was now time to cancel our digital tickets.

This is where the insurance paid off. This big budget company not only refused to issue a refund, but the sales rep even refused to hand me over to anyone else who might be able to help me. He kept telling me since the show date was changed that they couldn’t refund our tickets.

No matter how many times I tried to talk to this guy, he didn’t budge. He actually started giving me an attitude after a while, at which point I got a little warmed up.

It goes even further and is something that I really believe he avoided telling me. After repeatedly telling him I had insurance for this, and he told me it didn’t matter, I looked back and got my email of December and read him the details of the insurance.

Then he told me he could see that from his end as well, but then he told me the insurance was a separate company and I would have to contact them to get my refund. At this point he gave me the new number to call and the website.

In other words, he knew all the time that I had this assurance, but chose not to tell me this little information until after I went through a heated exchange and I came back to read the actual purchase information of my e- original email. It was only then that he told me that he already had this information and knew that I could get my refund all along.

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Honestly I felt like they wanted me to accept the loss and it was my fault that we couldn’t make the new date due to this sudden last minute change made by the artist. Also, I can almost promise that if I didn’t look back and call him after reading what my original email said, he would never have told me I could get my money back, and so no loss on their side.

So after wasting what was about a good hour chatting with this person, I went to the insurance site he gave me. This process was super easy with no hassle, and yes, I finally got my money back. If the rep from this big ticket company had told me that from the start, we could have avoided this whole situation (especially since he had this information in front of him the whole time).

So the moral of the story is this: Insurance matters. And I would hate to see you go through the same thing if a last minute change happened to your show. If I hadn’t purchased the insurance, I would never have been able to get that money back.

Also, if I hadn’t called the rep who refused to tell me what to do until I read him the details of my original purchase, I can guarantee you that I probably would have lost that money too. I’m telling you, he really tried to push back on my request for a refund.

Summer music concert on the beach Outdoor recreation concept

Robert Churchill

So, in addition to the insurance, also be prepared with all original documents from the time of purchase with details of this transaction. And do your best not to let them manipulate you into accepting that nothing can be done.

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