Common Questions

Frequently Asked Questions

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Q. How Much of My Trip Cost Should I Insure?
A. 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).

Q. When should I buy travel insurance?
A. 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 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

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

Q. What if my dates or trip plans change, or there is an increase in Trip Cost?
A. Notify USI Travel Insurance Services in writing by email, fax or mail of the new travel arrangement costs you want to insure and include the additional insurance premium. Please include a daytime phone number and your Confirmation Number. Fax to 610-537-9835, email to or mail to: The National Trust Travel Plan, Travel Insurance Services, 3805 West Chester Pike, Suite 200, Newtown, PA 19073, USA.

If you need assistance during business hours (Monday – Friday, 9:00 a.m. – 7:00 p.m. Eastern Time), call our Customer Service Representatives: Toll Free at (800) 937-1387 and mention that you are traveling with National Trust for Historic Preservation.

Q. Do I need to insure my airfare cost?
A. If your airfare is subject to a cancellation penalty or restriction (most are), we recommend that you insure it. If you indicate that you want to insure your airfare by checking the "Air" checkbox on the Enrollment Form, you must include 100% of your airfare cost in your Trip.

Q. Can I insure my frequent flyer miles?
A. No, frequent flyer miles cannot be insured. However, if the cancellation is for a covered reason listed in the Policy, the frequent flyer “rebanking" or "rebooking” fee can be covered.

Q. I'm travelling with a friend. Am I covered if my friend cancels his or her trip?
A. The National Trust Travel Plan covers Traveling Companions. A "Traveling Companion" means a person or persons with whom the Insured has coordinated travel arrangements and intends to travel with during the Trip. A group or tour leader is not considered a Traveling Companion, unless the Insured is sharing room accommodations with the group or tour leader.

If your Traveling Companion, as defined, cancels his or her Trip for a reason covered by the National Trust Travel Plan, you are protected in two ways:

  1. If you decide to take your Trip, the plan will reimburse your additional cost as a result of a change in the per-person occupancy rate for prepaid travel arrangements, or
  2. If you decide not to take your Trip, your covered, prepaid cancellation penalties will be covered by the plan.
See the National Trust Travel Plan Description of Coverage for complete details about this benefit.

Q. Will the National Trust Travel Plan cover Pre-Existing Medical Conditions?
A. Yes, if you purchase the plan within 21 days of your initial trip deposit/payment, insure 100% of your trip cost and are medically able to travel at the time you pay your premium, the Pre-Existing Medical Conditions exclusion is waived. For a complete explanation of the Pre-Existing Medical Conditions Exclusion waiver, please review the Description of Coverage.

Q. Does Cancel For Any Reason really mean I can cancel for any reason?
A. Yes, if you purchase the National Trust Travel Plan with optional CFAR upgrade, you really can cancel for any reason not already covered by your plan, provided you cancel at least two (2) days prior to your trip’s scheduled departure. If you are forced to cancel for a reason not otherwise covered by your plan, Cancel For Any Reason (CFAR) coverage will reimburse you 70% of your prepaid, forfeited, non-refundable payments for the insured Trip arrangement(s) up to the policy limit shown on the Schedule of Benefits. To be eligible for this benefit, you must purchase the optional National Trust Travel Plan with CFAR within 21 days of your initial Trip payment/deposit. In all cases, the CFAR benefit is in effect only if you insure 100% of your Trip cost.

Q. What if I don't want to take my trip because of recent terrorist attacks?
A. The National Trust Travel Plan offers coverage if you choose to cancel your trip due to terrorist attacks in a city on your trip itinerary occurring within 30 days of your scheduled arrival.

Q. Can I choose the benefits I wish to purchase? For example, can I just buy Trip Cancellation Protection?
A. The National Trust Travel Plan is only offered as a package of benefits with the option to upgrade to Cancel for Any Reason.

Q. Am I covered if the tour operator, airline or cruise line ceases operations or becomes financially insolvent?
A. Yes, if you purchase The National Trust Travel Plan within 21 days of your initial trip payment/deposit. You will be covered for financial default of an airline, cruise line, or tour operator. Certain exclusions may apply, please see the Description of Coverage for a complete explanation of your coverage.

Insurance benefits are underwritten by United States Fire Insurance Company.

Assistance services are not insurance and are provided On Call International.



This website contains highlights of the plan, which includes travel insurance coverages underwritten by United States Fire Insurance Company under form series T210 et. al. and TP-401 et. al. The plan also contains non insurance Travel Assistance Services provided by On Call International. The Crum & Forster group of companies is rated A (Excellent) by AM Best 2019. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Coverages may vary and not all coverage is available in all jurisdictions. In most states, your travel retailer is not a licensed insurance producer/agent, and is not qualified or authorized to answer technical questions about the terms, benefits, exclusions, and conditions of the insurance offered or to evaluate the adequacy of your existing insurance coverage. Your travel retailer may provide general information about the plan offered, including a description of the coverage and price. The purchase of travel insurance is not required in order to purchase any other product or service from your travel retailer. CA DOI toll free number: 800-927-4357. MD Insurance Administration: 800-492-6116 or 410-468-2340. Individuals looking to obtain additional information regarding the features and pricing of each travel plan component, please contact USI Insurance Services, LLC d/b/a USI Affinity Travel Insurance Services at 800-937-1387.

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