Insure against the financial risks of traveling:
Accidents, illness, delays, cancellations,
lost baggage, terrorism and more.
Anything from terrible weather to a family emergency can derail your plans and bring your tour to an end before it even begins.
Protect your travel investment and enjoy your adventures with the Tour Protection Plan.
Purchase within 14 days of your initial trip deposit for maximum benefits.
1. When should I purchase travel insurance?
You should purchase as soon as possible to be eligible for the early purchase advantages.
To be eligible for the Pre-Existing Medical Condition Exclusion Waiver, Bankruptcy/Default and Cancel for Any Reason (CFAR) you must insure 100% of the pre-paid, nonrefundable travel arrangements you indicate when enrolling in the Plan (air, land and sea trip costs), you must purchase the insurance within 14 days of your initial deposit/payment, and be medically able to travel on the effective date.
3. Can I cancel the plan after I purchase it?
The plan can be cancelled for a full refund within 14 days of the plan purchase date, provided you have not departed for your trip and have not filed a claim under this policy. Policy is non-refundable after 14 days of purchase.
4. Can I request a refund after the “Free Look” period has ended?
No; policies for trips cancelled by the insured are NOT eligible for refunds, except if within the free look period. However, if the tour operator or travel supplier cancels the entire trip for all travelers, and no claim has been filed or will be filed, and the insured has elected not to change their policy trip dates, then the policy may be cancelled with a pro-rated refund of premium.
6. How much of my trip cost should I insure?
You should insure ALL pre-paid, non-refundable travel arrangements to ensure you are properly covered for pre-existing conditions, Bankruptcy/Default and Trip Cancellation For Any Reason (if purchased as an optional upgrade and for an additional premium).
You cannot insure arrangements for which you have made no payment (e.g.: frequent-flyer miles, credit vouchers, discount coupons, or certificates).
8. Can the trip cost be increased/decreased after purchase?
Yes, by calling the customer service center (1-855-874-0156) your trip costs can be adjusted. Note changes cannot be made within 24 hours of departure. Changes in premium will be adjusted accordingly.
In order to keep your Early Purchase Advantages (Pre-Existing Conditions Exclusion Waiver, Trip Cancellation For Any Reason (CFAR) and Bankruptcy/Default coverage), you must also insure any additional pre-paid trip costs that are subject to cancellation penalties or restrictions for any additional trip arrangements that are made within the specified time period listed in the Policy.
16. Do travelers need to be listed on the same policy to be considered traveling companions?
Travel Companion means person(s) booked to accompany you on your covered trip. Travel Companion does not include a group or tour leader unless you are sharing room accommodations with the group or tour leader. The travelers do not need to be listed on the same policy to be considered travel companions. Friends and family members do not need to be listed on the same policy to be considered travel companions.
19. Are there residency or geographic requirements for travelers?
Yes, travelers must be a U.S. Citizen or U.S. Resident.
· State of residence must be selected. If traveler has two residences, select primary residence where they spend the most time.
· Policies are issued based on state of residence. Travelers residing in different states should have their own policy to ensure they receive proper state specific policy documents.
· Travelers must depart from a U.S. location (city/state) and return to a US location (city/state)
· Policy cannot be purchased once traveler has departed from a US location.
· Policy cannot be extended once traveler has departed (except as provided in policy under Extended Coverage).
21. What if I am visiting multiple countries?
Select country where they will be spending the most time or the first country they are visiting outside the U.S.
· If taking a cruise, select the first port of arrival as destination.
· If traveling within U.S. (i.e. layover) and then internationally on the same trip, select the international destination.
24. Are pre-existing conditions excluded from coverage?
Yes. Pre-existing conditions mean any accidental injury, sickness or condition of you, your traveling companion or your family member booked to travel with you which medical advice, diagnosis, care or treatment was recommended or received within the 60 day period ending on the effective date. Sickness or conditions are not considered pre-existing if the sickness or condition for which prescribed drugs or medicine is taken remains controlled without any change in the required prescription throughout the entire 60 day period ending on the effective date and no medical advice, diagnosis, care or treatment has otherwise been received. (Check specific state disclosure in the policy as this definition may vary where required by law.)
26. Do you offer a pre-existing conditions waiver?
The Pre-Existing Conditions exclusion is waived if (a) you enroll in this Policy at the time you pay the deposit required for your trip (or within fourteen (14) days of the initial deposit); (b) the booking for the covered trip must be the first and only booking for this travel period and destination; and (c) you are not disabled in a way that prevents you from traveling at the time you pay the premium.
You must also insure, within 14 days, any additional pre-paid trip costs that are subject to cancellation penalties or restrictions for any additional trip arrangements that are made.
35. When does my coverage become effective?
Subject to payment of any premium due:
(a) For Trip Cancellation & Optional Trip Cancellation For Any Reason (CFAR): Coverage begins at 12:01 A.M. local time, at your location on the day after the required premium for such coverage is received by us or our administrator as shown in the confirmation of benefits. Coverage ends at the point and time of departure on your scheduled departure date.
(b) For Trip Delay: Coverage is in force while en route to the covered trip from your home and also while en route from the covered trip to your home.
(c) For all other coverages: Coverage begins at the later of the time of your departure on the scheduled departure date; or your actual departure for your covered trip.
36. How do I file a claim?
Visit the Claim Forms page under the Resources tab at www.travelinsure.com to access the forms needed for file a claim. Refer to the information and forms under the Trip Care Complete plan name. (This is not the name of your Travel Protection plan, but the claim forms are the same.)