Travel Tips and Ideas

Travel Insurance vs Travel Assistance Services

by Haley Dobrowski | Sep 08, 2022
travel insurance

The terms travel insurance and travel assistance services are sometimes used interchangeably, but they are actually very different. Travel insurance provides monetary compensation for losses that occur while traveling, and travel assistance services provides support and assistance services while traveling. Let’s dive in further, to better understand the difference between travel insurance and travel assistance services.

What is Travel Insurance?

Suppose you book a two-week trip to Europe to explore France, Italy, and Spain with your friends. The itinerary for your trip might involve various flights, hotel stays, museums, and excursions that are all pre-paid and non-refundable. After exploring the Roman Ruins in Italy, you’re headed to the airport to your next destination, Spain. You and your friends get to the airport only to find out that your flight has been delayed for 12 hours! While you wait, you had to purchase food, find a hotel to stay at, and get transportation. Lucky for you, you decided to protect your trip with travel insurance that has a trip delay benefit. Since the flight delay was covered by your plan, your travel insurance can help you get reimbursed for reasonable additional expenses (such as hotels and meals) and additional transportation costs.

Travel insurance helps to reimburse you for unexpected monetary losses that occur while traveling. It’s important to check your plan documents for the coverages and covered reasons included in your plan as they can vary depending on the plan you choose.

What are Travel Assistance Services?

Travel assistance services, also referred to as non-insurance assistance services, are non-insurance benefits that enable travelers to have 24/7 immediate support and assistance while traveling. These services can be helpful and convenient if you find yourself in an emergency situation or just need a restaurant referral. Many travel protection plans include both insurance benefits and non-insurance assistance services that work together to get you the assistance you need and potential reimbursement for any covered costs that may occur. The non-insurance services available in your plan may vary, so consider reading through your plan documents carefully.

For example, while on your two-week European trip, you might happen to lose your passport and your prescription eyeglasses. Luckily, the plan that you purchased includes travel assistance services, so you can get help retrieving new copies of your important documents and get assistance to receive a replacement for your eyeglasses.

Non-insurance assistance services also include concierge services, so you can get help even when it’s not an emergency. These services include trip planning assistance, floral services, tee time reservations, directions, procurement of hard-to find items and more! Other services such as medical or legal referrals, assistance with medical evacuations, virtual doctor visits and hospitalization services are also available to you. Travel protection plans that include non-insurance travel assistance help to make traveling more convenient. You can get quality assistance services when needed.  

Travel Protected

We want to remind travelers, like you, of the importance of purchasing travel coverage.  Some benefits may be overlooked, so it’s important to read your plan document and know what services are included within your plan. At Travel Insured International, you can purchase both travel insurance and non-insurance travel assistance coverage within a single travel protection plan for single trips or for multiple trips throughout the year. To learn more, visit our website or ask your travel advisor about the coverage and services offered in our travel protection plans.





This website contains highlights of the plans developed by Travel Insured International, which include travel insurance coverages underwritten by United States Fire Insurance Company, Principal Office located in Morristown, New Jersey, under form series T7000 et al, T210 et al and TP-401 et al, and non-insurance Travel Assistance Services provided by C&F Services and for WTP Cruise only, AwayCare and Blue Ribbon Bags. The terms of insurance coverages in the plans may vary by jurisdiction and not all insurance coverages are available in all jurisdictions. Insurance coverages in these plans are subject to terms, limitations and exclusions including an exclusion for pre-existing medical conditions. In most states, your travel retailer is not a licensed insurance producer/agent, and is not qualified or authorized to answer technical questions about the terms, benefits, exclusions and conditions of the insurance offered or to evaluate the adequacy of your existing insurance coverage. Your travel retailer may be compensated for the purchase of a plan and 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. CA DOI toll free number is 800-927-4357. The cost of your plan is for the entire plan, which consists of both insurance and non-insurance components. Individuals looking to obtain additional information regarding the features and pricing of each travel plan component, please contact Travel Insured International. P.O. Box 6503, Glastonbury, CT 06033; 855-752-8303; [email protected]; California license #0I13223. While Travel Insured International markets the travel insurance in these plans on behalf of USF, non-insurance components of the plans were added to the plans by Travel Insured and Travel Insured does not receive compensation from USF for providing the non-insurance components of the plans.