Frequently Asked Questions

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.

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.

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.

24/7 Traveler Support Services, also called non-insurance assistance services, is a customer service helpline that is available worldwide 24 hours a day, 7 days a week.

The Emergency Assistance Services become available when you start your Covered Trip. You are eligible for informational and concierge services, however, at any time after you purchase the plan.Emergency Assistance, Concierge and Informational Services end the earliest of:

• Midnight on the day the program expires;
• When you reach your return destination;
• When You complete your Covered Trip.

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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.

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.

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.

Before figuring out which of your travel expenses can be included in your insurable trip cost, it can be helpful to first understand what trip cost means. Your trip cost is all the pre-paid and non-refundable costs for travel arrangements. Now you might be asking yourself - what makes up pre-paid and non-refundable costs for travel arrangements? We’ll break it down for you. Pre-paid trip costs are the costs for travel arrangements that you have paid before you leave for your trip, such as deposits and fees. Non-refundable costs are the pre-paid trip costs for travel arrangements you wouldn’t get back if you were to cancel. If an expense for a travel arrangement can be refunded if you cancel your trip, meaning that you can get your money back, then it should not be included in your trip cost.

The right travel protection plan will depend on your destination, activities, and personal needs. Solo travelers should consider what coverages are most important to them, including reimbursement for medical emergencies, trip cancellation or interruption, baggage loss or delay, and access to 24/7 emergency assistance (an included non-insurance service). Consider plans that are robust and offer add-on coverage to fit your unique needs, such as coverage for adventure activities if you plan to participate in them.

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.

Travel insurance is considered valuable to many solo travelers. When you’re traveling alone, you don’t have a companion to lean on if something goes wrong. A travel protection plan can provide essential protection against unexpected events like medical emergencies, trip cancellations, lost luggage, or travel delays. It offers some security, knowing you have 24/7 non-insurance assistance for emergencies, and reimbursement coverage if you encounter any issues while exploring on your own.

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.

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.

Travel insurance benefits can provide coverage for losses or expenses incurred while traveling, such as cancellations, medical emergencies, and more

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.

“Base benefits” refers to the coverage that is included for each trip. There is no need to select base benefits, unlike optional benefits, they are automatically available and the maximum benefit amounts renew for each trip.

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.

An annual travel protection plan may be convenient for seniors planning multiple eligible trips during the year. Compare annual and single-trip plans based on your travel frequency, destinations, benefit limits, and coverage needs to determine which option better fits your plans.

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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We recommend the best travel insurance for seniors be a robust plan that includes medical expense coverage, protection for pre-existing conditions (if you qualify), trip cancellation and interruption benefits, emergency medical evacuation, and baggage coverage. It should also offer flexible options like add-on protections to suit different travel needs. Choosing a reputable provider, such as Travel Insured International, means that seniors receive extensive coverage and support wherever their travels take them.

Medicare generally provides limited coverage for healthcare received outside the United States, with certain exceptions. Before traveling internationally, review your Medicare or other health insurance benefits to understand what is covered and consider how travel protection with medical expense coverage may help address your needs.

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 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.

When you notify us of your claim, we’ll ask questions to determine what’s needed and send you a claim package with forms and instructions. You do not need to provide originals—please send copies and keep the originals.

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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.

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.

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 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

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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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.

You can enter one or multiple destinations when getting a quote. If you are visiting multiple countries, you can enter each into the “Destinations” field. However, you are only required to enter one.

It’s important to note that there are a few restricted destinations we do not provide travel protection for. For this reason, we recommend entering all destinations.

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.

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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Annual travel protection plans can be beneficial for frequent travelers. If you take multiple trips per year, an annual plan can provide continuous coverage for all your journeys. This may save you time and money when compared to purchasing separate travel protection for each trip. Not a frequent traveler? You may be more interested in one of our single-trip plans.

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.

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.

To get travel protection for your hotel stay, purchase one of our plans and the optional bundle that specifically includes hotel-related coverages. You can add this benefit when purchasing a plan, helping to protect your hotel reservations against unexpected cancellations, interruptions, or travel inconveniences.

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.

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.

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.

Yes. Travel Insured International offers travel insurance benefits that may help cover the cost of medical treatment while on a cruise, whether you need to see a doctor on board or require care at a medical facility during a port stop. Covered expenses may include diagnostic tests, prescription medications, emergency procedures, hospital stays, and follow-up visits. Medical benefits are especially important for international travelers, as many domestic health plans don’t extend coverage overseas. Plans also include access to our 24/7 non-insurance assistance partner, Robin Assist, who can coordinate care and help locate nearby facilities if needed.

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.

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

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.

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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Anyone who resides in the same household can be on the same plan, otherwise they must be on separate plans.

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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.

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.

Yes, you can add pre-paid and non-refundable trip costs as long as it is prior to departure. Be sure to add trip costs within 21 days for the Platinum and Deluxe plans (14 days for the Essential plan) from the change of trip cost in order to be eligible for any time sensitive benefits. You can do so through your Travel Insured account or by contacting Customer Care.

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If you’ve packed essentials in your carry-on, you may not need to utilize the baggage delay benefit. This is because baggage delay coverage is designed to account for necessary items that are delayed in your checked bags. For instance, if your delayed checked luggage contains event-specific attire, essential medications, or items critical to your trip, the coverage allows for reimbursement up to the plans maximum benefit amount for necessary replacements you need to buy.

This benefit could help even very well-prepared travelers in unforeseen circumstances. Remember to keep receipts for any additional purchases, as they will be needed during the claims process. This benefit helps you adapt to unexpected delays while maintaining your comfort and travel plans.

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.

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.

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.

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.

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.

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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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 travel protection varies depending on factors such as your trip duration, age, and the level of coverage you choose. Additional coverage options, such as our Flight Bundle or Cruise Bundle, 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. 

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

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.

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.

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.

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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Our plans may provide benefits that can be triggered by a violent event, including terrorism or a civil disorder or riot. Coverage can vary by plan or state, so you should review your plan document for possible benefits. Please note that in all cases, if the event is foreseen, plans issued on or after the date the event becomes foreseeable would not cover that event.

You may have benefits related to terrorism under the Trip Cancellation, Trip Interruption, and Missed Connection benefits. Coverage may be triggered by a civil disorder or riot under the Trip Delay and Missed Connection benefits. And the Political or Security Evacuation coverage may also apply if civil, military or political unrest causes the local authorities at your destination or the U.S. State Department to issue a formal written recommendation for you to leave the country you are visiting.

This is not intended to be an exhaustive list of coverage, and not all plans contain coverage related to these events, so we encourage you to read your plan document.

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

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.

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.

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.

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.

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.

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 cost of our travel protection plans depends on various factors, including trip cost, travel dates, and level of coverage selected. For an additional cost, you can get more flight-specific coverages in the optional Flight Bundle. All plans contain insurance benefits and non-insurance travel assistance services. Get a quote to see the exact cost for your trip.

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.

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.

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.

The cost of a travel protection plan can depend on a few factors, like age, trip length, and trip cost. The Optional Pet Bundle can be added to your plan at an additional cost. Get a quote to get exact pricing for your trip.

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

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.

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.

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

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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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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.

For our annual plan, the maximum trip length is 45 days. However, there is no limit to how many trips you take throughout the year.

Yes, our plans do cover trip cancellation due to a family member’s illness, as long as the illness is serious enough to prevent travel and meets the plan's terms and conditions. Typically, this includes sudden or unexpected illnesses that require medical attention and make it unsafe or impossible for you to travel. Coverage may also be available for an ill family member who is not traveling with you. It’s important to review your specific plan document to understand which family members are covered and what documentation, such as a doctor’s note, may be required to support your claim.

Our Missed Connection benefit can apply to non-air travel delays, such as trains or buses. This benefit can help when unexpected disruptions prevent you from reaching your next leg of travel. For example, if your train is delayed and you miss your cruise departure, we could reimburse you for the missed cruise. The delay needs to meet the conditions outlined in your plan. Check your plan details to confirm eligibility for this coverage.

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.

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.

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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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.

Standard trip cancellation covers specific events listed in your plan. CFAR is an optional upgrade that allows eligible travelers to cancel for reasons not otherwise covered, subject to purchase deadlines, reimbursement limits, and plan terms.

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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The majority of our travel protection plans exclude coverage for losses resulting from hostilities between nations and acts of war. However, coverage may vary depending on your specific travel protection plan, so we encourage you to review your plan documents for details on how your coverage may apply.

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

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.

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.

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

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 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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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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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.

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.