Frequently Asked Questions

Is COVID-19 treated the same as other sicknesses under the terms of the Plan?

Yes. COVID-19 is treated the same as any other sickness for purposes of all coverages that are triggered by a sickness or that can reimburse losses resulting from a sickness – including death caused by sickness. Depending on the Plan Design, this can include – but is not necessarily limited to – the following (including the sub-benefits of many of these):

  • Trip Cancellation
  • Trip Interruption
  • Accident and Sickness Medical Expense
  • Medical Evacuation/ Medical Repatriation/ Return of Remains.

Will the Trip Cancellation benefit cover cancelled trips due to fear of COVID-19?

If a traveler cancels their trip solely due to fear of COVID-19, then no claim will be paid. Having fear of the possibilities is not a covered reason.

  Download additional Q & A for COVID-19 situations

When should I buy travel insurance?

Buy as soon as possible for maximum coverage. Your Trip Cancellation coverage is effective the day after you purchase your plan.

To be eligible for the Pre-Existing Medical Condition Exclusion Waiver and Cancel for Any Reason benefit, you must purchase the plan within 21 days of the date of your initial payment or deposit for your trip is received. Other terms apply.

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 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 plan cost. Please include a daytime phone number and your Confirmation Number. Fax to 1-610-537-9835, 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 1-800-937-1387 and mention that you are traveling with National Trust for Historic Preservation.

I'm traveling with a friend. Am I covered if my friend cancels their trip?

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, non-refundable travel arrangements, or
  2. If you decide not to take your Trip, your prepaid, non-refundable travel arrangements may be covered. However, this only applies to select covered reasons, such as sickness. Others only apply if an unfortunate event occurs to you.

See the National Trust Travel Plan plan document for complete details about this benefit.

Will the National Trust Travel Plan cover Pre-Existing Medical Conditions?

If you purchase your plan within 21 days of the date your initial payment or deposit for your trip is received and you are not disabled from travel at the time your plan cost is paid, the Pre-Existing Medical Conditions Exclusion is waived. For a complete explanation of the Pre-Existing Medical Conditions Exclusion waiver, please review the plan document for your state of residence.

What does the Cancel For Any Reason benefit cover?

If you purchase the National Trust Travel Plan with optional CFAR upgrade, you 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 maximum benefit 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 the date your initial payment or deposit for your trip is received. This Optional Cancel for Any Reason Benefit does not cover the failure of your Retail Travel Supplier to provide the bargained-for Travel Arrangements due to cessation of operations for any reason.

What if I don't want to take my trip because of terrorist attacks?

The National Trust Travel Plan provides Trip Cancellation coverage if a terrorist incident occurs before your trip and within 30 days of your scheduled departure date in a city listed on your scheduled itinerary.

Can I choose the benefits I wish to purchase? For example, can I just buy Trip Cancellation Protection?

The National Trust Travel Plan is only offered as a package of benefits with the option to upgrade to Cancel for Any Reason.

How much of my trip cost should I insure?

Insure ALL pre-paid travel arrangements that have any cancellation penalties or restrictions.

Do I need to insure my airfare cost?

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 should include 100% of your airfare cost that is subject to cancellation penalties or restrictions.

Can I insure my frequent flyer miles?

No, frequent flyer miles cannot be insured.

This website contains highlights of the plans, which include travel insurance coverages underwritten by United States Fire Insurance Company under form series T7000, T210 et. al. and TP-401 et. al. The Crum & Forster group of companies is rated A (Excellent) by AM Best 2022. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. The plans also contain non-insurance Travel Assistance Services provided by On Call International. Coverages may vary and not all coverage is available in all jurisdictions. Insurance coverages are subject to the terms, limitations and exclusions in the plan, including an exclusion for pre-existing conditions. 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 plans 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. Your travel retailer may be compensated for the purchase of a plan. CA DOI toll free number: 800-927-4357. The cost of your plan is for the entire plan, which consists of both insurance and non-insurance components. 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 with its principal place of business at 3805 West Chester Pike, Suite 200, Newtown Square, PA 19073; 1-800-937-1387; CA license #OG11911.