Why Purchase Travel Insurance

Frequently Asked Questions About Travel Insurance

• What if I get sick while I am traveling?

  If domestic health insurance does not cover you at your destination, then our travel protection plans will step in and provide reimbursement for your emergency medical care needs, including a medically necessary evacuation up to the plan benefit limits. Be sure to acquire all the bills and invoices from the medical facilities prior to leaving. These documents are necessary for claims and sometimes hard to acquire after returning home.

• Do I Need Travel Insurance?

  Travel Insurance covers unforeseen circumstances that may occur before or during your trip. It can protect you from losing your monetary investment if you have to cancel your trip within the penalty period where travel suppliers and tour operators keep your non-refundable deposits. It also provides coverage for other problems that you may face during your trip, such as lost, stolen, or damaged baggage, reimbursement of medical expenses and expenses incurred to evacuate you back to your home and more.

• How will travel insurance help me?

  Travel protection covers risks incidental to planned travel such as trip interruption, trip delay, trip cancellation, and damaged or lost luggage. You can purchase Travel Insurance as a safety net to help protect yourself in case unexpected events negatively impact your travel plans. We recommend that you purchase your plan soon after making your initial trip payment to be eligible for the most coverage, but you must purchase travel insurance before anything actually happens to disrupt your trip. To understand exactly what the policy will cover and what it won’t, you must read your chosen policy carefully. If there is a problem and you need to file a claim, you’ll have to provide documentation of your issue, such as receipts, rental agreements or police reports. Like most other forms of insurance, Travel Insurance works on a reimbursement basis. That means you’ll have to pay your own costs up front, then be reimbursed by the company once they’ve approved your claim.

• When is the best time to purchase travel protection?

  These plans do have time sensitive benefits, so we recommend that you purchase the policy right after making your initial trip payment. To receive the most benefits, you must purchase it within 14 days after making your initial trip payment. Time sensitive benefits include the Pre-existing medical conditions waiver, Financial Default and optional Cancel for Any Reason, depending on the plan you are reviewing.

• What is the latest date that I can purchase travel insurance for my trip?

  The standard plan is available for purchase up to 30 days prior to the start date of your trip. If you are booking travel to start within the next 30 days, you can purchase standard travel insurance as long as it is purchased within 5 days of your reservation date (the date you make the initial payment for your booking). Travel protection with the Cancel For Any Reason (CFAR) benefit is only available for purchase within 14 days of your initial payment of your trip payment. CFAR is not available for purchase for trips within 30 days of your scheduled trip departure date (the date you depart for your travel destination). It is recommended that travel protection is purchased right after making the first payment toward any part of your trip so that you are eligible for the most benefits. If you wait to purchase your plan, you run the risk that something will happen (health, accident, death in family, etc) before the policy goes into effect. Once an event happens, you cannot insure against it. Also, The policy should be purchased within the set time period of the initial trip payment in order to get the Pre-existing condition exclusion waiver and other time sensitive benefits. Please note, the set time period varies per policy. Verify the timeframe of the Pre-existing condition exclusion waiver in the sample policy.

• If I have already departed on my trip, can I still purchase a plan?

  No, you cannot purchase travel protection once you have already departed for your scheduled trip.

• What is the difference between the STANDARD Plan and the CANCEL FOR ANY REASON Plan?

  Standard travel protection provides 100% reimbursement up to your selected coverage maximum for 30+ different circumstances that may cause you to cancel or interrupt your travel plans. These circumstances are wide ranging and includes things like illness, weather, accidents, family death, job change, jury duty, travel delays and more. Please reference the policy for specifics. Program with CFAR benefit not available to residents of New York and Washington. Cancel For Any Reason (CFAR) coverage adds the flexibility to cancel for a reason not covered by the standard policy. Travel Protection with CFAR includes all the benefits of the standard policy (100% reimbursement) PLUS the ability to cancel for a non-covered reason. The Cancel For Any Reason reimbursement is a set percentage stated on your policy's schedule of benefits.

• How can I view the Certificate of Insurance before I purchase?

  When viewing your quote, click on the "View sample of certificate of Insurance."

• What would be considered the Initial Trip Payment Date?

  The Initial Trip Payment Date is the date that money first exchanged hands for the trip you are insuring.

• Am I covered if I cancel my trip due to terrorism?

  Yes, if during your trip, a politically motivated Terrorist Attack occurs within a 50 mile radius of the city for which you are registered and the US government issues a travel warning indicating that Americans should not travel to a city named on the itinerary.

• Can I insure my trip if I made my own travel arrangements and did not go through a travel agent?

  Yes, these travel protection plans cover your certain prepaid and non-refundable expenses for travel arrangements that you make on your own.

• I have a pre-existing medical condition. How will the plan respond?

  A Pre-Existing Medical Condition, as defined in the policy is excluded unless purchase is made within the time sensitive period. Per the plan certificate, the insurer will waive the Pre-Existing Medical Condition exclusion if all of the following conditions are met: a. Your premium for this policy and enrollment form is received within the Time Sensitive Period; and b. You or Your Traveling Companion, are medically able and not disabled from travel at the time Your premium is paid based on assessment of a Physician. For more details, click on your resident state in the grid above. You can view in your browser or download a copy. Eligibility rules apply; viewing a sample plan is not a guarantee of coverage or eligibility for coverage.