Travel Tips and Ideas

Last Minute Discount Travelers Can Still Buy Trip Insurance

by User Not Found | Jul 10, 2009

Travel Insured International, a leader in travel insurance, urges travelers to take advantage of the many discounted travel opportunities currently being offered to those able to make last-minute plans to help fill suppliers’ unsold inventory. As you scoop up a can’t-miss deal on a cruise, tour or resort vacation, however, remember that trip disruptions such as travel accidents, sudden illness on the road, common carrier delays and weather events may still appear when there is only a short time between booking and scheduled departure.

Although last-minute clients may not need Trip Cancellation insurance with imminent departures, they can add a bargain in travel protection. By selecting a Worldwide Trip Protector plan of their choice whose coverage begins on their departure date, travelers enjoy a reduced insurance premium because they are not including the Trip Cancellation insurance that normally covers the pre-travel time period prior to their departure date.

Starting at 12:01 a.m. on the day of departure, the lower-cost Worldwide Trip Protector insurance, sometimes known as a “post-departure” coverage plan, includes full Trip Delay protection while going to and through the airport to the scheduled takeoff. Except for the elimination of any Trip Cancellation coverage and a maximum limit on Trip Interruption of $1,000 in return-air expense only, the plan for last-minute travel still provides full Travel Insured travel delay, emergency medical, and baggage coverage. Worldwide Emergency Medical Assistance, accessible by a free phone call wherever help is needed, is included with each plan. Terrorism coverage is included, and all plans either include or have an option to purchase common carrier accident insurance.

The lower-cost Worldwide Trip Protector plans with coverage starting on the scheduled departure date have insurance premiums reflecting strong savings due to their elimination of Trip Cancellation benefits. You may select Travel Insured’s most popular Worldwide Trip Protector plan with coverage starting on departure date by paying a base premium ranging from $20 per person for a traveler up to age 35 to $97 for a traveler age 86 or older. Travel Insured’s affordable Trip Protector Lite plan has a base premium for the last-minute plans ranging from only $15 for a traveler up to age 30 to $68 for a traveler age 81 or older. Trip Protector Lite Expanded, with higher coverage limits on some benefits, has coverage starting on the departure date that ranges in premium from $19 for the 30-year-old to $81 for the 81-year-old. Even travelers selecting Trip Protector Gold for last-minute luxury travel enjoy savings with coverage starting on the scheduled date by paying an insurance premium ranging from $25 for a traveler up to 35 to $131 for the traveler age 81 or older.

Remember to select coverage starting from scheduled date of departure in your choice of Worldwide Trip Protector plans even when booking a trip at the last minute before departure. Trip disruptions, unfortunately, may not take a holiday even when you are taking one at the last minute!

Insurance benefits in the plans are subject to limitations and exclusions, including an exclusion for pre‑existing conditions.

This website contains highlights of the plans, which include insurance benefits underwritten by the United States Fire Insurance Company, Home Office: 305 Madison Ave, Morristown, NJ 07960, Administrative Office: 5 Christopher Way, 2nd Floor, Eatontown, NJ 07724. United States Fire Insurance Company is currently authorized to transact business in all states and the District of Columbia. NAIC No. 21113. The plans also contain non‑insurance Travel Assistance Services provided by C&F Services through Active Claims Management (2018) Inc., operating as Active Care Management. The Crum & Forster group of companies is rated A (Excellent) by AM Best 2018. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Coverages may vary and not all coverage is available in all jurisdictions. In most states, your travel retailer is not a licensed insurance producer/agent, and cannot evaluate, interpret, or answer technical questions about the technical terms, benefits, exclusions, and conditions of our plans or 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. California license #0I13223, 855 Winding Brook Drive, Glastonbury, CT 06033. CA DOI toll free number: 800-927-4357. MD Insurance Administration: 800-492-6116 or 410-468-2340. Individuals looking to obtain additional information regarding the features and pricing of each travel plan component, please contact Travel Insured at 855-752-8303 or customercare@travelinsured.com.