Insure against the financial risks of traveling:
Accidents, illness, delays, cancellations,
lost baggage, terrorism and more.
Anything from terrible weather to a family emergency can derail your plans and bring your tour to an end before it even begins.
Protect your travel investment and enjoy your adventures with the Tour Protection Plan.
Purchase within 21 days of your initial trip deposit for maximum benefits.
Benefits |
Limits/Maximums |
Trip Cancellation |
100% of Trip Cost ($50,000 maximum) |
Cancel for Any Reason (CFAR) (optional upgrade)
|
75% of Trip Cost |
Trip Interruption |
125% of Trip Cost |
Travel Delay (12 hrs.) |
$2,000 ($150/day) |
Missed Connection (3 hrs.) |
$750 |
Airline Ticket Change Fee |
$200 |
Baggage/Personal Effects Loss |
$1,500 ($250 per article, $500 combined) |
Baggage Delay (12 hrs.) |
$500 |
Emergency Sickness Medical Expense |
$150,000 |
Emergency Accident Medical Expense |
$150,000 |
Emergency Medical Evacuation / Repatriation of Remains |
$250,000 |
Non-Medical Evacuation |
$50,000 |
Accidental Death & Dismemberment (24 hours) |
$25,000 |
Accidental Death & Dismemberment (common Carrier) |
$50,000 |
Pre-Existing Condition Coverage |
Yes, if purchased within 21 days of initial trip deposit |
24-hr Emergency & Standard Assistance |
Included |
Note: Benefits and limits may vary by state. Please review the state-specific Policy (below) for your complete benefits.
Insurance is underwritten by Nationwide Mutual Insurance Company, Columbus, Ohio. In WA, coverage is underwritten by Nationwide Life Insurance Company, Columbus, Ohio and Nationwide Mutual Insurance Company, Columbus, Ohio. Applicable to Policy forms NSIGTC 2000, NSHTC 2000, SRTC 2000, or state equivalent.
For full plan details, download and read the Policy for your state of residence.
Note: Benefits and limits may vary by state. Please review the state-specific Policy for your complete benefits.
Insurance is underwritten by Nationwide Mutual Insurance Company, Columbus, Ohio. In WA, coverage is underwritten by Nationwide Life Insurance Company, Columbus, Ohio and Nationwide Mutual Insurance Company, Columbus, Ohio. Applicable to Policy forms NSIGTC 2000, NSHTC 2000, SRTC 2000, or state equivalent.
1. When should I purchase travel insurance?
You may purchase the Plan anytime up to 24 hours ahead of your scheduled departure date. However, in order to be eligible for the Early Purchase Advantages, you must purchase within the time frames that follow.
To be eligible for the Pre-Existing Medical Condition Exclusion Waiver you must insure 100% of your trip costs (air, land and sea trip costs); must purchase the insurance within 21 days of your initial deposit/payment; and be medically able to travel on the effective date.
To be eligible for Bankruptcy/Default coverage you must purchase the Plan within 21 days of your initial deposit/payment.
To be eligible for Cancel for Any Reason (CFAR) you must insure 100% of the pre-paid, nonrefundable travel arrangements you indicate when enrolling in the Plan (air, land and sea trip costs), and you must purchase the insurance within 21 days of your initial deposit/payment. (Please note CFAR is not offered in NY and WA.)
3. Can I cancel the plan after I purchase it?
The plan can be cancelled for a full refund within 10 days of the plan purchase date as long as you have not incurred any claims during this time. Policy is non-refundable after 10 days of purchase.
6. When does my coverage become effective?
Your Trip Cancellation & Optional Trip Cancellation For Any Reason (CFAR) coverage becomes effective the day after your transaction is completed online.
For all other coverages: It begins at the later of: the time of your scheduled departure date, or the actual departure for your trip.
8. How much of my trip cost should I insure?
You should insure ALL pre-paid, non-refundable travel arrangements to ensure you are properly covered for Pre-Existing conditions, Bankruptcy/Default and Trip Cancellation For Any Reason (if purchased as an optional upgrade and for an additional premium).
You cannot insure arrangements for which you have made no payment (e.g.: frequent-flyer miles, credit vouchers, discount coupons, or certificates).
10. Can the trip cost be increased/decreased after purchase?
Yes. Contact Travel Insurance Services at 1-855-874-0156 or customercare@travelinsure.com to provide details to adjust your trip costs.
Note changes cannot be made within 24 hours of departure. Changes in premium will be adjusted accordingly.
In order to keep your Early Purchase Advantages, if applicable (Pre-Existing Conditions Exclusion Waiver, Bankruptcy/Default coverage, and optional Trip Cancellation for Any Reason coverage), you must also insure any additional pre-paid trip costs that are subject to cancellation penalties or restrictions for any additional trip arrangements that are made within the specified time period listed in the Policy.
17. Are there residency or geographic requirements for travelers?
Yes, travelers must be a U.S. Citizen or U.S. Resident.
· State of residence must be selected. If traveler has two residences, select primary residence where they spend the most time.
· Policies are issued based on state of residence. Travelers residing in different states should have their own policy to ensure they receive proper state specific policy documents.
· Travelers must depart from a U.S. location (city/state) and return to a U.S. location (city/state).
· Policy cannot be purchased once traveler has departed from a U.S. location.
· Policy cannot be extended once traveler has departed (except as provided in policy under Extended Coverage).
19. What if I am visiting multiple countries?
Select the country where they will be spending the most time or the first country they are visiting outside the U.S.
If taking a cruise, select the first port of arrival as destination.
If traveling within the U.S. (i.e. layover) and then internationally on the same trip, select the international destination.
21. Is political/civil unrest covered?
Civil unrest is a covered reason under the Trip Delay benefit.
The Non-Medical Evacuation benefit also covers evacuation within seven (7) days of a Security or Political situation. Arrangements will be by the most appropriate and economical means available and consistent with your health and safety. Benefits are only payable for arrangements made by the assistance provider. Refer to the plan document for full details about this coverage.
22. Are Pre-Existing conditions excluded from coverage?
Yes. Pre-Existing Condition means an illness, disease, or other condition during the sixty (60) day period immediately prior to the effective date for which you, a traveling companion, a family member booked to travel with you: 1) exhibited symptoms that would have caused one to seek care or treatment; or 2) received or received a recommendation for a test, examination, or medical treatment; or 3) took or received a prescription for drugs or medicine. Item (3) of this definition does not apply to a condition that is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the sixty (60) day period before the effective date.
23. Do you offer a Pre-Existing conditions exclusion waiver?
Yes. The Pre-Existing Conditions exclusion is waived if you (a) enroll in this Policy at the time you pay the deposit required for your trip (or within twenty-one (21) days of the initial deposit); (b) purchase this Policy for the full cost of your trip; and (c) are medically able to travel on the effective date.
You must also insure, within 21 days, any additional pre-paid trip costs that are subject to cancellation penalties or restrictions for any additional trip arrangements that are made.
Pre-Existing Condition means an illness, disease, or other condition during the sixty (60) day period immediately prior to the effective date for which you, a traveling companion, a family member booked to travel with you: 1) exhibited symptoms that would have caused one to seek care or treatment; or 2) received or received a recommendation for a test, examination, or medical treatment; or 3) took or received a prescription for drugs or medicine. Item (3) of this definition does not apply to a condition that is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the sixty (60) day period before the effective date.
33. Do travelers need to be listed on the same policy to be considered traveling companions?
Travel Companion means a person who has coordinated travel arrangements or vacation plans with you, and intends to travel with you during the trip. A group or tour leader is not considered a traveling companion unless you are sharing room accommodations with the group or tour leader. Friends and family members do not need to be listed on the same policy to be considered travel companions.