Why You Need Travel Insurance

Why Do I Need Travel Insurance?

Download the travel plan brochure. (PDF)

Your health insurance may not cover you while you're traveling

  • Medical policies and HMO's may provide you limited coverage outside of the United States.
  • Medicare provides no coverage.

That may leave you with high bills if a medical emergency strikes. If you need to be medically evacuated, your expenses can easily reach $50,000 or more.

The National Trust Travel Plan will pay excess coverage up to the maximum limit of coverage for reasonable and customary medical and surgical services of a Physician, nurse and/or Hospital as a result of an Injury or Sickness first occurring on your Trip. Covered expenditures include related medication expenses and emergency dental treatment while on the Trip. See Coverage Highlights for more details.

If you need to cancel your trip, you may not get a refund

There are a number of events that could prevent you from taking your trip. Some are personal, like an unexpected illness, injury, or even a death in the family. Others are out of your control – an airline or tour operator could declare financial default, or a terrorist incident occurs in a city listed on your itinerary. A trip cancellation or interruption can cause you to lose some or all of your investment.

The National Trust Travel Plan’s Trip Cancellation benefit reimburses your covered trip cost when you cancel or interrupt a trip due to reasons covered by the plan.

Upgrade the National Trust Travel Plan with CFAR and know that you can cancel your trip for any reason. With CFAR, your pre-paid, nonrefundable trip payments are covered for up to 70% of your Total Trip Cost when you cancel your trip for any reason not otherwise covered under the Trip Cancellation benefit. See Coverage Highlights for more details.

The optional Cancel/Interruption for Any Reason upgrade is not available to residents of NY; call 1-800-937-1387 for other options.

If your cruise or tour leaves without you, it may cost extra to catch up

If you miss your cruise or tour departure due to a cancelled or delayed flight or inclement weather, you may need to pay additional transportation expenses to join your departed cruise or tour.

The plan will reimburse you up to a maximum of $2,500 for additional transportation costs and reasonable accommodations to catch up to your cruise or tour. See Coverage Highlights for more details.

If your personal belongings are lost or stolen, it may cost extra to replace them

Your baggage and personal possessions can be lost, stolen, or damaged anytime, anywhere in the world. Airlines may provide only limited coverage for your checked baggage and may not cover your carry-on items.

The National Trust Travel Plan’s Baggage Loss/Delay benefits cover loss or damage to your personal effects and can reimburse your purchase of necessities if your baggage is misdirected or lost for more than 24 hours. See Coverage Highlights for more details.

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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