Do you just offer cancellation on its own? I don’t need anything else.

Several of our plans include trip cancellation. We don't currently offer a "cancellation-only" plan.

Can I omit some of the coverage that I don’t need?

Our products are complete benefit packages; coverage can’t be omitted. We do offer a line of products with varying benefits and limits and are confident one of our plans will be the right fit for you.

Who counts as a “Family Member”?

For our Worldwide Trip Protector Plus, Worldwide Trip Protector, and Worldwide Trip Protector Lite Plans the definition is as follows:
“Family Member” means any of the following: Your or Your Traveling Companion’s legal spouse (or common-law spouse where legal), legal guardian or ward, son or daughter (adopted, foster, step or in-law), brother or sister (includes step or in-law), parent (includes step or in-law), grandparent (includes in-law), grandchild, aunt, uncle, niece or nephew or Domestic Partner.

For our Medical Protector plans the definition is as follows:

"Family Member" means Your legal or common law spouse, parent, legal guardian, step-parent, grandparent, parents-in-law, grandchild, natural or adopted child, step-child, children-in-law, brother, sister, step-brother, step-sister, brother-in-law, sister-in-law, aunt, uncle, niece or nephew, Domestic Partner who reside in the United States, Canada or Mexico.

Who can I list under the same policy?

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

Can I add to/change my policy’s trip cost at a later date if I make additional purchases for my trip?

Yes, you can add pre-paid and non-refundable trip costs as long as its prior to departure. Be sure to contact customer care within 21 days from the change of trip cost in order to be eligible for any time sensitive benefits.

When is the last day I can buy a policy?

You may buy a policy up until departure, however the coverage will not go into effect until 12:01 AM the following day.
For Example: If you buy a policy at 9:00 AM Monday the coverage will not go into effect until 12:01 AM Tuesday. If you buy a policy at 11:30 PM Wednesday the coverage will go into effect after 30 minutes at 12:01 AM Thursday.

What’s the difference between primary versus secondary coverage?

Primary coverage removes excess insurance limitations for Baggage and Personal Effects and Accident and Sickness Medical Expense. 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.

Is coverage unavailable when traveling to certain countries/areas?

Our policies offer worldwide coverage.

What information do I need in order to purchase travel insurance?

You will need to know the following information for each traveler on a policy:

  • Name
  • Date of Birth
  • Trip Cost (per person)
  • The address they reside at
  • An email address
  • A phone number
  • Primary destination
  • Trip deposit date

How do I calculate my trip cost?

Your trip cost is anything that is prepaid and non-refundable. If paying with miles or reward points please see question below.

Is there reimbursement for miles or reward points? How do I insure them?

We do offer coverage for reimbursement of miles and reward points. With the Worldwide Trip Protector Plus, Worldwide Trip Protector, and Worldwide Trip Protector Lite Plans, you can to file a claim up to $250 per person to return the points/miles on the account they were removed from if you were forced to cancel your trip for a covered reason. The benefit is a part of the base program, therefore; you do NOT have to insure the miles/points.

If I need to be medically evacuated, will I be flown straight home?

The emergency assistance company we use will transport you to the closest facility up to U.S. standards. If deemed medically necessary by the onsite Physician and the Physician on-call with the emergency assistance company, you will be transported back to the U.S.

If needed, what is the process of being medically evacuated?

You would call On Call International, our emergency assistance company, and they would work with you and the On Site emergency team/personnel to evacuate you in whatever way was medically necessary, to the closest medical facility up to U.S. standards. If you would like to learn more about the medical evacuation procedure, please refer to your Certificate Of Insurance for more specific details.

What’s the difference between Cancellation and Interruption coverage?

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

See Also: