Common Questions

Frequently Asked Questions

How Much of My Trip Cost Should I Insure?
Insure ALL pre-paid travel arrangements that have any cancellation penalties or restrictions.

You cannot insure arrangements for which you have made no payment (e.g.: frequent-flyer miles, credit vouchers, discount coupons, or certificates).

When should I buy travel insurance?
Buy as soon as possible for maximum coverage. Your Trip Cancellation coverage is effective the day after your transaction is completed online.

To be eligible for the Pre-Existing Medical Condition Exclusion Waiver and Cancel/Interruption for Any Reason you must insure 100% of the pre-paid, nonrefundable travel arrangements you indicate on the Enrollment Form (air and expedition cost) and you must purchase the insurance within 21 days of your initial deposit/payment.

After your initial deposit/payment on your trip, you have up to 21 days to purchase the plan to include the following:

  1. Pre-Existing Medical Condition Exclusion Waiver
  2. Financial Default
  3. Cancel/Interruption for Any Reason optional upgrade

What if I miss the 21-day early purchase period?
You may still purchase coverage at any time prior to departure, however, the coverage would not include the early purchase benefits.

What if my dates or trip plans change, or there is an increase in Trip Cost?
Notify Travel Insurance Services in writing and include the additional plan cost in order to obtain the additional coverage. Failure to insure 100% of your nonrefundable trip costs could result in the loss of eligibility for certain benefits such as the Pre-Existing Medical Condition Exclusion Waiver and the Cancel/Interruption for Any Reason option.


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