Why You Need Travel Insurance

Why Do I Need Travel Insurance?

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's Accident and Sickness Medical Expense Benefit covers injuries and sicknesses during a trip, up to the benefit maximum. Covered expenses can include medical services provided by a physician and hospital expenses. This can also cover injuries to sound natural teeth (subject to a lower limit) and prescription drugs. The plan is subject to an excess insurance limitation. 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 – for example, 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 reimburses you up to a maximum of $2,500 for additional transportation costs incurred to join the departed trip and unused, prepaid, non-refundable payments and deposits for land or water travel arrangements you purchased for your trip. 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 delayed for 12 hours or more during your trip. 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 plans, which include travel insurance coverages underwritten by United States Fire Insurance Company under form series T7000 et.al, T210 et. al. and TP-401 et. al. The Crum & Forster group of companies is rated A (Excellent) by AM Best 2021. 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 maybe compensated for the purchase of a plan. CA DOI toll free number: 800-927-4357. MD Insurance Administration: 800-492-6116 or 410-468-2340. 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; info@travelinsure.com. CA license #OG11911.

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