Frequently Asked Questions

There is no set limit to the number of trips you can add to this annual plan. The maximum length of an individual trip is 45 days.

The cost of family travel protection can vary depending on several factors, including the number of family members, their ages, the length of the trip, and the level of coverage selected. Some of our plans can often be cost-effective for families, as children 17 and under may be included at no additional cost. It’s important to compare our plans and review the plan details to make sure the coverage meets your family’s specific needs. If you want exact pricing, you can get a quote online at any time, or contact our Customer Care team for assistance.

All plans contain insurance benefits and non-insurance travel assistance services.

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The amount of medical expense coverage you may want depends on various factors, including your destination, the length of your trip, and any personal health considerations. Travel Insured offers plans with varying levels of medical expense coverage, allowing you to choose the protection that best suits your needs.

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The cost of travel protection depends on the plan you choose and the level of coverage. To add on the optional Rental Car Damage & Theft Coverage, it is an additional cost. Because pricing can vary by plan and state, we recommend getting a quote for exact pricing details.

Yes, purchasing an annual plan is a great way of staying in front of your travel protection needs when you know you will be booking trips throughout the year.

Yes. Every Travel Insured plan has a 14-day Free Look period. Cancel the plan within 14 days of purchasing for a full refund of the plan cost— as long as you haven't started your trip and you haven’t had a loss or filed a claim.

Yes - If you are purchasing a plan to cover more than one person, it is important to calculate the trip cost per person, according to what each person paid.

Medical evacuation benefit can apply to severe, acute or life-threatening illnesses and injuries, as determined by an attending physician and the non-insurance assistance provider. It can come into play when adequate medical treatment is not available in your immediate area.

If you are traveling and plan to ski, you can purchase travel protection. We recommend adding the Optional Extreme Sports Medical Upgrade when you have any adventure or extreme activities planned.

Our solutions are not just to help out financially—we also include access to 24/7 non-insurance emergency assistance. That means you won’t have to handle a medical crisis alone. You can get help locating a doctor or hospital, help with translations, arranging emergency transportation, and even communicating with your family back home.

In most cases, Medicare may provide limited or no coverage outside the United States and generally does not cover emergency medical evacuation. Review your health insurance and travel insurance benefits before you travel.

The Optional Cruise Bundle expands your plan with cruise-specific benefits. It adds a covered reason for cancellation or interruption if there are low river levels, and increases the baggage delay benefit maximum. You may also be reimbursed for missed shore excursions, travel inconveniences or itinerary changes.

The cost of a travel protection plan can vary based on factors such as your length of stay, age, and the level of coverage you choose. All plans contain insurance benefits and non-insurance travel assistance services. You can get a free quote online to see exact pricing. Our helpful Customer Care team can also help talk you through your options to find a plan that fits your budget and needs.

Non-insurance assistance services provide immediate support while you’re on a trip, offering:

• Business concierge
• Medical or legal referrals
• Inoculation information
• Arranging an emergency medical evacuation
• Hospital admission guarantee
• Arranging a non-medical emergency evacuation
• Translation service
• Lost baggage retrieval
• Passport/visa information
• Emergency cash advance
• Bail bond
• Prescription drug/eyeglass replacement
• ID theft resolution service

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Our protection plans for students may offer coverage for:

• Baggage loss, theft, damage, and even delay

• Trip delays

• Emergency medical expenses

• Trip cancellation or interruption

• And more

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You would call C&F Services, our emergency assistance partner, and they would work with you and their emergency team/personnel. They can help evacuate you to the nearest suitable facility where medically necessary treatment is available, when your condition is deemed to be acute, severe, or life threatening and adequate treatment is not available in the immediate area. If you would like to learn more about the medical evacuation procedure, please refer to your Plan Document for more specific details.

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Now that we know your trip cost is all your pre-paid and non-refundable expenses for travel arrangements that you would normally lose if you had to cancel your trip, let’s dig more into what types of trip expenses can be included. Trip costs need to be for “travel arrangements” in order to be insurable.  Travel arrangements are defined in your plan, with most plans defining “travel arrangements” as expenses for (a) transportation; (b) accommodations; and (c) other specified services arranged for your trip by your travel supplier. Some common trip expenses that may qualify as insurable travel arrangements include pre-paid and non-refundable expenses for airline tickets,  checking your bags, cruises and excursions, tours, rental cars, drink packages, ski lift tickets, and even hotels and Airbnb’s.

No, there is no deductible for this benefit. You can be reimbursed for eligible expenses up to your plan’s maximum benefit amount, helping with any out-of-pocket costs.

Children 17 and under traveling with an insured adult are included at no extra cost on the base plan for Worldwide Trip Protector Platinum and Deluxe. Any optional coverages or bundles will still need to be added at an extra cost. Children can be added for a cost on Worldwide Trip Protector Essential.

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For emergencies, 24/7 travel support helpline assists with the following:

• Locating a Local Hospital or Physician in a Medical Emergency
• Hospital Admission Guarantee
• Arrangement of Emergency Medical Evacuation
• Arrangement of Non-Medical Emergency Evacuation
• Identity Theft Resolution Services
• Emergency Cash Advance
• Passport/Visa Information

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No, please do not highlight anything on your documents as information could appear to be redacted. To call out information to our claims analysts in your supporting documentation, please mark with an asterisk or check mark.

Whether you might want travel protection depends on your personal situation and travel plans. Domestic travel insurance is helpful if you have non-refundable bookings, want coverage for trip cancellations or delays, or need extra protection for lost baggage and medical emergencies while traveling within the U.S. If your trip involves significant prepaid expenses or you want added peace of mind, travel protection may be a good choice.

Travel Insured offers an insurance benefit called “Baggage Delay.” If your checked luggage is delayed for a predetermined specific time period after you arrive at your destination, (typically 3, 6, or 12 hours, depending on your plan) you can be reimbursed for necessary items you need to buy while you wait. These include basics like clothing, toiletries, and other personal essentials. This benefit is especially helpful when bags don’t arrive on time, and you need to attend an event or continue traveling. Just keep your receipts for when you submit a claim.

Possibly. If you enter a $0 trip cost during the quote process, your quote may only include after-departure benefits, with no trip cancellation coverage. Some annual plans may also provide post-departure coverage only, as a default.

The time-sensitive period is the time between making your first trip payment/deposit and purchasing travel protection. This time period varies by plan, typically 14 or 21 days. Refer to the plan document for specific details.

Short answer: Yes. You can add additional expenses to your trip cost after purchase as you get closer to your departure date. It’s important to note that these additions to your trip cost may result in a higher protection plan cost since the plan cost relies partially on trip cost. Although you can add additional trip costs after purchase, it is key to purchase a plan as soon as you make your first trip payment and book your flights and accommodations, so you can be eligible for time sensitive benefits.

Travel insurance for students can be great for anyone studying or traveling abroad. Many universities and countries may require proof of insurance before you can enroll or obtain a visa. Even if it’s not mandatory, having travel insurance for students studying abroad means you may be protected against unexpected events such as medical emergencies, trip cancellations, lost luggage, and more.

The Missed Connection benefit can cover reasonable additional expenses, which might include a hotel stay in some cases. For instance, if you are at your layover, get delayed due to inclement weather, and therefore miss your cruise departure, you may face an overnight delay. We could reimburse you for lodging costs, up to the maximum benefit amount in your plan, as well as the transportation expense to catch you up to your cruise. Remember to keep receipts and review your Schedule of Benefits to understand the reimbursement offerings specific to your plan.

When calculating your trip cost, you want to ensure that all expenses that you would lose if you had to cancel your trip before departure are covered. Expenses such as, your passport, meals, tours purchased at your destination, and frequent flyer miles/reward points should not be included in your trip cost because these are not pre-paid and non-refundable costs for travel arrangements. However, the government taxes and fees associated with frequent flyer miles can be included when calculating your trip cost. Read our blog article for more information about coverage for miles and points.

24/7 non-insurance travel support assistance:
1-800-494-9907 (Within U.S./Canada)
1-603-328-1 707 (Outside of US/Canada)

The cost of a travel protection plan for a golf trip can vary based on several factors, including your age, trip duration, total trip cost, and the level of coverage you choose. Adding coverage for valuable golf equipment or higher benefit limits will be an extra cost to the base plan. For the most accurate pricing, get a quote online based on your specific travel details and coverage needs.

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Trip Cancellation helps before your trip begins if you need to cancel for a covered reason. Trip Interruption applies after your trip starts—helping with costs if your trip is unexpectedly cut short due to a covered event. While both benefits offer financial protection, they respond to different timing and circumstances.

For example, Trip Interruption could help cover the additional costs to transport you to your originally scheduled return destination or catch up to a tour you’ve missed. Together, these benefits work to help protect your travel investment before and during your journey, giving you flexible support when plans change.

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Yes, the medical evacuation and repatriation of remains benefit can assist if you face a medical emergency while traveling. This benefit can provide financial backup to cover those emergency transportation expenses if the local attending physician and our designated travel assistance services provider determine that your injury or illness is severe, acute or life-threatening and adequate treatment is not available in your immediate area.

The Optional Baggage Bundle is available with the Worldwide Trip Protector Platinum plan. It increases your baggage & personal effects coverage from $2,500 to $5,000 and raises the per-item maximum from $250 to $500. It also adds coverage for items like sports, golf, or business equipment—ideal if you're traveling with these high-value belongings.

Air travel is often a stressful part of a trip for people, with unpredictable delays and other airport issues. If you want an extra layer of protection for losses related to flight disruptions, you may select the optional Flight Bundle. It’s especially helpful for trips with layovers, tight timelines, or limited refund options. With Travel Insured on your side, you’re not traveling alone.

The cost of travel protection with baggage coverage varies depending on your plan and any optional bundles you choose. Basic Baggage & Personal Effects coverage is included in most plans. If you need more coverage – for items like business or sports gear – you can buy an optional bundle. For example, the Optional Baggage Bundle increases your limit to $5,000. These optional upgrades come with an added cost. Pricing depends on your trip details, so we recommend getting a quote to discover the cost for your trip.

Trip Cancellation coverage may apply to unused, non-refundable trip costs such as airline tickets, hotel bookings, and prepaid excursions. When you cancel for a covered reason, the plan may help reimburse you for those insured expenses. This could include cruise deposits, guided tours, or even service fees from travel advisors, depending on your plan.

It's ideal for travelers making significant investments in advance, especially for custom or high-value trips. This type of protection can also make rebooking easier, since you may have some or all your original investment refunded, depending on your plan’s maximum benefit amounts.

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Many seniors consider travel insurance a “need” because they may face a higher risk of medical emergencies, trip interruptions, or unexpected events while traveling. Travel insurance can provide important protection by covering medical expenses, trip cancellations, lost baggage, and other unforeseen issues, giving seniors a sense of security during their travels.

Many travelers think travel protection is worth it for a golf trip, especially if you have significant prepaid expenses, are traveling with valuable golf equipment, or are going abroad. It can protect you from financial losses due to trip cancellations, lost or damaged clubs, medical emergencies, and travel disruptions. Having coverage can provide peace of mind, allowing you to enjoy your golf getaway knowing you’re protected against many common travel risks.

Contact our non-insurance emergency assistance partner as soon as you can. They are available 24/7 and can help assess the situation, coordinate with local authorities, and arrange safe evacuation if necessary. These assistance services are included in every Travel Insured plan.

While travel insurance is not always required for international travel, it is highly recommended. Many countries and visa programs do require proof of travel insurance for entry, especially in Europe’s Schengen Area. Even when not mandatory, travel insurance provides essential protection against unexpected events such as medical emergencies, trip cancellations, lost luggage, and travel delays. For peace of mind and some financial security, having travel insurance for international trips can be essential.

The trip delay benefit can reimburse for hotel stays and more. Depending on your plan, you can be eligible for a daily amount to cover costs like hotel rooms and meals during your delay. If you’re unsure about your coverage with Travel Insured International, feel free to contact us for details.

No. Cancel for Any Reason (CFAR) does not cover a travel supplier’s failure to provide travel arrangements. If your travel supplier cancels, they are typically responsible for reimbursement, depending on their refund policy.

Travel insurance helps protect against unexpected events that may occur before or during your trip, such as trip cancellations, medical emergencies, or lost luggage. When you purchase a plan, you pay a cost based on your trip details and coverage needs. If a covered event happens, you file a claim with us, submit any required documentation, and, if approved, receive reimbursement for your eligible expenses up to the plan’s maximum benefit amount.​

Yes, you can get travel insurance for domestic travel. Domestic travel insurance is available to cover trips within the United States, offering protection for trip cancellations, delays, lost baggage, and medical emergencies. This type of insurance provides peace of mind and financial security, ensuring you’re covered for unexpected events even when traveling close to home.

When you purchase the optional Pet Bundle, you can get some coverage related to your pet. This includes things like reimbursement for unexpected kenneling days when you’re delayed, or cancellation coverage if your pet is sick before your trip.

Buy early: Purchasing soon after your initial trip deposit may make you eligible for additional features, such as a pre-existing condition exclusion waiver.

Also referred to as Traveler Support Services, this 24/7 worldwide assistance service is included with every Travel Insured plan. The available services from our partner, C&F Services, range from trip planning assistance to medical emergency help. Our other partner, Blue Ribbon Bags, offers a service to track and expediate the recovery of delayed baggage at no additional charge.

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Non-insurance emergency assistance is available 24/7 through Travel Insured’s selected assistance provider. Once an emergency is reported, the assistance team coordinates with local emergency services to arrange transportation as quickly as possible.

Our Optional Pet Bundle applies to both pets and service animals.

Our plans may provide benefits that can be triggered by a Natural Disaster event, such as a hurricane. Coverage can vary by state, so you should review your plan document for possible benefits under Trip Cancellation, Trip Interruption, Missed Connection, Trip Delay or Political, Security and Natural Disaster Evacuation as these coverages may provide protection for losses resulting from Natural Disasters in certain circumstances. If the natural disaster is foreseen, plans issued on or after that date would not cover that event.

Please visit our Coverage Alerts page for more information on specific known events.

The Flight Bundle includes added covered reasons for trip cancellation or interruption due to things like mechanical breakdowns, government shutdowns, or airport power outages. It may also help with change fees or extra costs if you need to alter your flight plans. This option is popular for travelers whose trip relies on timely air travel.

Primary coverage removes excess insurance limitations for benefits. If you have primary coverage with us you will submit a claim directly with us first, whereas if your coverage is secondary you must go through your other provider(s) first. If they deny you or do not cover the full amount then you may file a claim with us. Our Worldwide Trip Protector Platinum and Deluxe plans offer primary coverage (except for Rental Car Damage and Theft coverage).

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For travelers who take multiple eligible work trips each year, an annual protection plan may provide a more convenient alternative to purchasing separate coverage for every trip. Availability, benefits, and eligibility vary by plan and state.

If you are not able to take your trip due to a covered reason you would file a Trip Cancellation claim. If you have already departed for your trip and have to return home for a covered reason you would file a Trip Interruption claim. See Our Chart for Trip Cancellation and Trip Interruption Covered Reasons.

The plan has a set of base benefits which apply to every trip, and the maximum benefit amounts are applicable on a per-trip basis. Individual trips can be added to the plan as you book them. Optional benefits are available to add to each trip at an additional cost, depending on your needs. An additional cost will apply. For example, Cancel for Any Reason (CFAR) is an optional benefit that can be added to a trip. If CFAR is purchased, it only applies to that specific trip as opposed to every trip during the year. Some optional benefits are subject to a time-sensitive period. The Optional Trip Cancellation and Trip Interruption buy-ups must be purchased first in order to add optional CFAR. Additional terms apply

Some countries may require proof of travel insurance, in which case we hope you choose Travel Insured International for your trip. For other scenarios where travel insurance is not mandatory, we still recommend getting a plan especially for travelers who are traveling internationally and may have significant non-refundable expenses, or want protection against unexpected events like medical emergencies or trip cancellations. Ultimately, travel insurance can provide peace of mind and some financial security—helping you to relax just a little bit more.

Qualifying injuries can include loss of a hand or foot, loss of sight in one or both eyes, loss of hearing in both ears, or loss of speech. The specific injuries and benefit amounts are detailed in the plan document.

Potential covered accidents may include scenarios such as car accidents, falls, drowning, or other unexpected events resulting in death or dismemberment, as long as they occur during the covered trip and are not related to air travel.

Golf equipment can be covered under our Worldwide Trip Protection Platinum plan when you add on the Baggage Bundle. If your golf clubs are lost, stolen, or damaged during your trip, you may be reimbursed up to the plan’s coverage limit. Coverage details, limits, and exclusions can vary, so it’s important to review your specific plan document to understand exactly how your golf clubs can be protected.

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Our plans may provide benefits that can be triggered by flight delays resulting from the jet fuel shortage due to global pricing increases. Coverage can vary by state, so you should review your plan document for possible benefits under Missed Connection and Trip Delay as these coverages may provide protection for losses resulting from flight delays related to this event in certain circumstances.

Please visit our Coverage Alerts page for more information on specific known events.

The best time to purchase cruise travel protection is right after you make your first trip payment. Purchasing early can make you eligible for important time-sensitive offerings such as cancel for any reason coverage and pre-existing condition exclusion waiver. These early purchase windows are usually limited to 14-21 days from your initial trip deposit date. Enrolling during this window also allows for earlier coverage in the event that issues arise weeks or months before your trip. It's a beneficial way to secure both financial and service-related safeguards long before you depart.

Medical emergencies could be expensive, especially abroad. Travel protection can help you with medical expense costs and gives you access to 24/7 non-insurance assistance. This service can help you find care quickly and confidently. In some plans, coverage may also extend to pre-existing conditions if certain requirements are met.** You’re not just protected financially. You’re supported by a team that can guide you through emergencies as they happen.

**Losses due to, arising or resulting from pre-existing medical conditions are normally excluded. However, such losses can be covered if you qualify for the  Pre-Existing Medical Condition Exclusion Waiver.

The Annual Multi-Trip Protector plan costs $94 for adults, and $64 for children 17 and under. For each trip you take, there are optional benefits you can purchase that will come at an additional cost.

The price of a plan includes the insurance benefits and additional non-insurance assistance services.

Travel Insured International's travel protection plans include the Accident & Sickness Medical Expense benefit to help with emergency medical expenses incurred during your trip. This may include hospital stays, outpatient care, physician services, and more.

If you’re flying for business, have a tight schedule, or are connecting through multiple cities, travel protection is worth considering. It can help you avoid out-of-pocket costs for delays or cancellations. The optional Flight Bundle provides additional coverages for air travel, such as more covered reasons for Trip Cancellation or reimbursement for change fees.

Travel Insured International offers optional bundles to increase your coverage limits. For example, with the Worldwide Trip Protector Platinum plan, you can purchase the Optional Baggage Bundle, which adds $2,500 to the maximum benefit amount (bringing the total to $5,000) and increases the per-article limit from $250 to $500. This bundle also adds coverage for sports equipment, golf equipment, and business equipment.

The Optional Cancel or Interrupt for Any Reason Bundle allows you to cancel or interrupt your trip for reasons not otherwise covered by your plan. This option adds flexibility if something personal or unexpected causes you to change plans. You may be eligible for partial reimbursement, when the reason for cancellation or interruption falls outside the listed covered reasons. Additional cost and terms apply.

CFAR allows travelers to cancel their trip for any reason that is not already covered by the plan, if they do so at least 48 hours before departing.

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IFAR allows travelers to leave their trip early for any reason that is not already covered by the plan, if they do so 72 hours or more after departure.

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Refer to the plan document for full details and eligibility requirements.

The cost of travel protection for international trips varies depending on factors such as your trip duration, age, coverage limits, and the type of plan you choose. Additional coverage options, such as our Flight Bundle or adventure sports protection, are an additional cost to the base plan. Comparing plans and coverage details can help you find the best value for your specific travel needs.

The cost of travel protection with baggage coverage varies depending on your plan and any optional bundles you choose. Basic Baggage & Personal Effects coverage is included in most plans. If you need more coverage – for items like business or sports equipment – you can buy an optional bundle. For example, the Optional Baggage Bundle increases your limit to $5,000. These optional upgrades come with an added cost. Pricing depends on your trip details, so we recommend getting a quote to discover the cost for your trip.

Cancel for Any Reason (CFAR) is an optional travel insurance benefit that gives you more flexibility when you travel. It lets you cancel your trip for reasons that are not otherwise covered by your plan, such as deciding that you’re not comfortable traveling, a personal issue that comes up, or simply changing your mind. With CFAR, you can still be reimbursed for a portion (usually up to 75%) of your non-refundable trip costs.  

To get the CFAR benefit, you’ll need to add the optional Cancel or Interrupt for Any Reason Bundle when you buy your plan. The bundle must typically be purchased within 14 or 21 days of the date your first trip payment is received, and you need to cancel your trip at least 48 hours before your scheduled departure. This bundle is available to add onto the Worldwide Trip Protector Platinum and Deluxe plans. Our Annual Multi-Trip Protector plan also offers an optional CFAR benefit as an add on, which is different from the bundle.

An additional cost applies to optional bundles/optional benefits. Refer to your plan document for a full description of the optional bundles/optional benefits and covered reasons.

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Our products are complete benefit packages; coverage cannot be omitted. We offer a line of products with varying benefits and maximum benefit amounts, and are confident one of our plans can be the right fit for you. Each plan offers optional upgrades or bundles so you can customize coverage for your trip's needs.

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Baggage & Personal Effects coverage is included in the base Worldwide Trip Protector plans. This benefit helps protect your belongings if they’re lost, stolen, destroyed or damaged during your trip. In some cases, it can cover fees associated with replacement of lost travel documents or unauthorized charges made on lost or stolen credit cards. It’s a useful way to keep moving, even if your bags don’t.

For annual plan holders who want coverage to cancel their trip or return home early due to a pre-existing medical condition, you must purchase the Trip Cancellation/Trip Interruption add-on benefits for each trip you take. Other criteria apply to qualify for pre-existing medical condition coverage.

Each of our single-trip plans include Trip Cancellation coverage. We do not currently offer a "cancellation-only" plan. Our annual plan offers the option to add Trip Cancellation coverage on a per-trip basis, at an additional cost.

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Seniors can get travel protection from Travel Insured by getting a quote online (or by phone) and comparing the plan options. We suggest seniors look for plans that offer robust medical coverage, contain pre-existing condition exclusion waivers, and have benefits like trip cancellation and baggage coverage. Once you find a suitable plan, you can purchase online or by phone, providing details about your trip and those who are traveling. After purchasing, you’ll receive plan documents outlining your purchased coverage and benefits.

Normally, there is an exclusion of coverage for pre-existing condition, but our plans offer a waiver if certain criteria is met. The Pre-existing Medical Conditions exclusion can be waived if you purchase your plan within the time sensitive period (stated in your plan document) and you are medically able and not disabled from travel at the time of purchase. This waiver applies to medically related Trip Cancellation and Interruption reasons.

Please read the plan document for full details on this exclusion waiver.

No, baggage delay coverage is included as part of our extensive travel protection plans. It cannot be purchased on its own. However, including it in a full plan helps you benefit from additional protections like trip interruption coverage and medical expense coverage, providing a safety net for your journey.

Baggage protection may help with eligible losses involving luggage, personal belongings, and certain covered items. Travelers carrying higher-value equipment should review plan limits and available baggage-related upgrades.

Purchasing travel protection as a solo traveler is simple. Start by getting a quote and comparing your plan options. Look for coverage that matches your trip’s itinerary and budget. Once you’ve decided on a plan, you can purchase it right here on our website. You only need some additional travel details and payment information. Be sure to review the plan document carefully and keep a copy of the information with you while you travel.

Business travel insurance can cover a wide range of risks, including:

• Unexpected medical expenses

• Trip cancellation and interruption

• Lost, stolen, or damaged belongings

• 24/7 emergency non-insurance assistance

Trip Delay benefits can reimburse you for reasonable expenses if your trip is delayed for a covered reason, such as weather, airline strikes, or traffic accidents. Covered costs may include meals, hotel stays, or transportation. The Deluxe plan offers an Optional Trip Delay Upgrade (at an additional cost), which increases the maximum benefit amount, giving you added flexibility if delays disrupt your schedule.

You can buy a travel protection plan from us and add on the Optional Rental Car Damage and Theft Benefit. You can always contact us to discuss options and get a quote. Please read the plan document carefully before purchasing to understand the benefits, exclusions, and limitations.

Many personal health insurance plans do not provide coverage for medical expenses incurred while traveling internationally. That means you may not have coverage for medical evacuation or medical treatment outside your home country. It’s important to review your personal health insurance before traveling and consider purchasing international travel protection to make sure you have adequate coverage for medical expenses, medical evacuation, and support during your trip.

Our annual plan is primary coverage, but secondary for the Accident & Sickness Medical Expense benefit (except for New Hampshire and Utah residents).

Call us at 855-752-8303, Monday–Friday, 8:00 a.m.–6:00 p.m. ET for assistance.

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Travel insurance can cover trip disruptions related to air travel. That includes flight cancellations, delays, missed connections, and in some cases, issues with baggage. The exact benefits depend on the plan and whether you added the optional Flight Bundle. Travel Insured’s flight-specific coverages/covered reasons are designed to assist when your itinerary changes.

For our Worldwide Trip Protector plans (Platinum, Deluxe, and Essential) the definition is as follows:

“Family Member” means any of the following: Your or Your Traveling Companion’s legal spouse/domestic partner, children (includes in-law, step, foster, ward, or legal ward), sibling (includes step or in-law), parent (includes step or in-law and legal guardian), grandparent, grandchild, aunt, uncle, niece or nephew.

Reimbursement is for reasonable additional expenses, like meals and hotel stays during the delay or additional transportation costs. Please remember to keep your receipts for these expenses. Not sure what counts as “reasonable additional expenses?” Refer to your plan document or our representatives can help clarify for you, so you know what to expect.

The cost of a travel protection plan depends on several factors, including the trip duration, age, and level of coverage you select. Choosing any of our add-on coverages comes at an additional cost to the base plan.  A travel protection plan from Travel Insured contains both travel insurance benefits and non-insurance assistance services.

For an accurate price, get a personalized quote based on your travel plans and activities.

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You can get travel protection that covers theme park tickets by purchasing one of our plans and the optional bundle that includes amusement and theme park benefits. This coverage can help reimburse you for non-refundable ticket costs if your trip is interrupted or cancelled due to covered reasons, providing added protection for your vacation plans.

AD&D 24 Hour Other than Air Flight is included in the base plan for Platinum and Deluxe, but this is for incidents other than air flights. AD&D coverage related to air travel can be added to your plan when you purchase the optional Flight Bundle. This bundle, available on all single-trip plans, includes the AD&D (Air Flight Only) Benefit, which provides coverage for an injury caused by an accident occurring during your trip while riding as a passenger in/on an aircraft or boarding or exiting from an aircraft or public transportation provided by an air carrier. Please read the plan document for full details. Additional costs and terms apply.

Even non-refundable tickets may be eligible for refunds in special cases. Proof of payment (credit card statement, cash receipt, or cancelled checks) is required to validate your claim.

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You may buy a plan up until departure, however Trip Cancellation coverage will not go into effect until 12:01 AM the following day. For example, if you buy a plan at 9:00 AM Monday, the plan’s Trip Cancellation coverage will not go into effect until 12:01 AM Tuesday.

Please note that Trip Cancellation coverage is not available if a plan is purchased on the day of departure. Since the coverage doesn’t begin until 12:01 AM the next day, cancellation coverage would not apply.

No. Only include the parts of your trip that are pre-paid and non-refundable—things like event tickets, non-changeable airfare, “pay-now” lodging rates, or cruise bookings. Do not include refundable costs or amounts you haven’t yet paid.

Your personal car insurance may cover rental cars, but coverage can vary, especially when traveling internationally. Our optional Rental Car Damage and Theft Coverage can help protect you from unexpected costs not covered by your own insurance. It’s important to check your existing policies carefully to understand if and how rental cars are covered. Rental car coverage as part of a travel protection plan can offer additional peace of mind.

Yes. If your baggage is damaged during transit – such as by an airline – Travel Insured International may cover the loss. You should first file a claim with the airline, as they are often responsible for the damage. After that, you can file a claim through travel insurance to recover any remaining costs not covered by the airline. This can include damage to clothing, personal items, or certain valuables. Remember, reimbursement is subject to your plan’s maximum benefit amount. For higher-value items, you may want to purchase one of our plans that offers an optional bundle for added coverage. (Additional cost and terms apply.)

Optional benefits can be purchased at the time you add a trip to your plan. When adding a trip to your plan inside your account’s My Multi-Trip Plan tab, you will see the optional benefits available for selection. As you select optional benefits for a trip, you will see the change in cost prior to purchase. You can purchase directly from that screen using the payment method saved to your Travel Insured account.

Cruise travel protection plans typically cover a wide range of unexpected events, including trip cancellations, trip interruptions, travel delays, missed connections, medical emergencies, and baggage loss or delay. Coverage may also extend to medical evacuation, accidental injury, and certain emergency services. In addition to these insurance benefits, plans from Travel Insured International include non-insurance services like 24/7 access to concierge help or emergency coordination. Optional upgrades, such as Cancel for Any Reason (CFAR), may be added for increased flexibility and control. It's important to review the specific plan document for benefit limits and covered reasons.