Insurance F.A.Q.s
What is Trip Cancellation and When Does it Apply?
The Trip Cancellation coverage reimburses you for unused, non-refundable, pre-paid trip costs if you must cancel your trip for a covered reason. The covered reason that causes you to cancel must occur after your effective date and prior to your cancellation and scheduled departure.
What is Trip Interruption and When Does it Apply?
The Trip Interruption Benefit reimburses you for unused land or water travel arrangements, plus additional airfare to return home or rejoin your trip when you must interrupt your trip for a covered reason.
Why Do I Need Insurance?
Emergencies happen when you least expect it. Travel protection provides coverage for Trip Cancellation, Trip Interruption, Medical and Dental, Emergency Assistance and Transportation, Baggage, Baggage Delay, Travel Delay and much more. Plus, we offer our exclusive One Call 24-hour Traveler Assistance Service to help you with emergency situations that arise during your trip.
Many travel products are non-refundable, and the best airline and cruise deals usually come with few options if you can’t actually take your trip. Last week the airline joyfully booked your flight. This week it declared bankruptcy. Last month you reserved space on a Caribbean cruise. A few weeks later a family member became critically ill.
Important Tip! Many people only consider their own health when deciding about travel protection. It is not uncommon for younger people to assume that because they are healthy, travel protection is not needed. But what about parents, grandparents, children, grandchildren, aunts, and uncles? Remember travel protection provides coverage if something happens during coverage to you or to any of these people, causing you to cancel your trip. Can I buy insurance at anytime?
Do I Need to Buy Travel Insurance When I First Book my Trip?
For a variety of reasons, it is prudent to purchase travel protection when you first book your trip (i.e. make your first payment for travel arrangements).
Why? Most travel protection plans contain one or more time-sensitive provisions that broaden coverage. The time-sensitive provisions which are included in all of our plans apply to several coverage enhancements, such as providing coverage for pre-existing medical conditions and the optional Trip Cancellation For Any Reason coverage.
Important Tip! By purchasing earlier you receive better coverage at the same price.
