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).

What are the benefits to purchasing now versus later?

While you may purchase the Travel Protection Plan with standard coverage up until you depart, you will receive the greatest benefits if you purchase this insurance within 21 calendar days of our receipt of your initial deposit*:

  • The Pre-Existing Medical Condition Exclusion will be waived. Trip Cancellation or Trip Interruption benefits are not eligible for coverage if the reason for cancellation is due to a pre-existing medical condition. However, when the plan is purchased in the 21 day window*, cancellations due to a chronic condition which becomes acute and/or causes you to seek treatment by a physician within the 90 days prior to the effective date of the Travel Protection Plan would be eligible for coverage. This provision extends to you, your spouse, parents, children, and siblings. (The lookback period for residents of AK, IN and WA is 180 days.)
  • For the ultimate flexibility you have the option to upgrade the plan to add the Cancel for Any Reason Benefit (CFAR)** at an additional cost. CFAR coverage reimburses you up to 75% of your non-refundable insured trip costs if you have to cancel your trip (up until 48 hours prior) for any reason not otherwise covered by the plan.*

*For residents of AK, IN and WA the plan must be purchased prior to or within 24 hours of your final trip payment to qualify for pre-existing medical conditions exclusion waiver, and prior to or within 24 hours of initial trip deposit to qualify for Cancel For Any Reason (CFAR) coverage.

**Cancel For Any Reason benefits are not available to residents of NY.

What if I miss the purchase period for the Early Purchase Advantages?

You may still purchase coverage at any time prior to departure, however, the coverage would not include the early purchase benefits described above.

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 non-refundable trip costs could result in the loss of eligibility for certain benefits such as the Pre-Existing Medical Condition Exclusion Waiver and the Cancel For Any Reason option.

Will this plan cover me anywhere in the world?

Coverage is not available for travel to the following countries: Iran, North Korea and Syria. Cancel For Any Reason (CFAR) benefits are not available in South Sudan.