Frequently Asked Questions

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.

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 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.

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.

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

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.

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.

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.

Travel protection may be worth it for travelers, particularly when taking international trips or making significant non-refundable bookings. It offers essential protection against unexpected events such as medical emergencies, trip cancellations, or lost luggage, which can otherwise be pricey without reimbursement. Overall, for anyone seeking peace of mind and some financial security while traveling, purchasing travel protection can be a good choice.​

Our annual plan offers a variety of base coverages that can apply to all insurable trips you take during the year. In addition, there are optional benefits you can purchase for each individual trip, to help customize the plan for your needs.

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.

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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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 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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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.

Optional bundles let you tailor your plan to match the way you travel. Whether you’re packing golf clubs, bringing your pet, or planning a cruise, there’s extra protection that may support your needs. These enhancements can offer peace of mind, knowing you’ve prepared for more scenarios, so you can spend less time focusing on potential mishaps and more time enjoying your trip.

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

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.

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.

This benefit may reimburse you for repair or replacement costs if your rental car is damaged due to collision, theft, vandalism, or even severe weather. It can help you avoid paying out of pocket for costly repairs—offering extra security whether you're renting a car domestically or abroad.

Our Missed Connection coverage could apply when you miss a connecting flight due to events beyond your control. Common scenarios include:

• Inclement weather: Storms or other weather events causing delays.

• Mechanical issues: Problems with the airline’s equipment.

• Unexpected schedule changes: Delay or Cancellation made by the airline or other Common Carrier.

The delay must be three or more hours long. Be sure to check your plan for the specific requirements.

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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Travel protection for domestic flights can be worth it if you have non-refundable bookings, want extra protection for trip cancellations, delays, or lost baggage, or need additional medical expense coverage while traveling within the USA. While your regular health insurance may cover some needs, domestic travel insurance offers added peace of mind and financial protection against unexpected events. For some travelers, the extra security is considered valuable.

The cost of a travel protection plan depends on factors like trip duration, traveler age, destination, and the level of coverage you select. Optional add-ons are available for an additional cost. For an accurate price, request a personalized quote based on your travel plans and business requirements.  

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

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.

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.

To start a claim with Travel Insured, you first log in to your profile at www.travelinsured.com and begin the process online. After notifying Travel Insured of your claim or loss, you’ll receive claim forms and a step-by-step list of required items to complete. Once you submit the information, Travel Insured reviews your claim. If more details are needed, a Claim Analyst will reach out for additional information. If your claim is approved, payment is issued by check or electronic deposit, along with an explanation of benefits. If the claim is not payable, a Claims Analyst will contact you to discuss the findings and offer a chance to appeal or provide more information; otherwise, a letter will be sent explaining the decision.

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.

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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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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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.

Travel protection can cover a wide range of travel risks. This may include:

• Unexpected medical expenses

• Trip cancellation and interruption

• Lost, stolen, or damaged belongings

• 24/7 emergency non-insurance assistance

Coverage and exclusions may vary depending on your state-specific plan, any add-ons purchased and/or the specific activities you plan to participate in. Always review the plan details to make sure your activities can be included in coverage, which may fall under one of our add-ons.

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.

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.

Optional benefits or “add-ons” are benefits that can be added to each trip for an additional cost. If you do not add an optional benefit, it will not apply to the coverage for that trip. Some optional benefits include:

Trip Cancellation

Trip Interruption

Cancel for Any Reason

Rental Car Damage and Theft Coverage

Medical Evacuation and Repatriation - Additional Coverage

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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.

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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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.

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.

Covered expenses may include transportation costs, emergency accommodation, and coordination services provided by the non-insurance travel assistance provider for evacuation. It may also cover the related costs of getting back to your point of origin or to the nearest place of safety.

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.

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.

Yes, our plans can cover each individual family member included on the plan. This means that every insured family member—such as parents and children—can receive the same coverage benefits for events like medical emergencies, trip cancellations, or lost baggage. Always review the specific plan document details to understand who is covered and under what circumstances.

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.

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.

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 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.

No. Refundable expenses should not be included in your insured trip cost. Expenses like flexible hotel stays, cancel-eligible car rentals, and flexible flights are generally reimbursed by your travel supplier.

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.

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.

Cruise insurance is worth it for many travelers because it provides valuable protection against a range of unexpected events, such as medical emergencies, trip cancellations, travel delays, and lost or delayed baggage—risks that are often not fully covered by standard health insurance or credit card benefits. Especially for expensive, non-refundable, or international cruises, having cruise insurance offers peace of mind and added financial security, providing you coverage if your plans are disrupted or if emergencies arise while you are at sea or abroad. Given the potential costs and complications that can occur, purchasing cruise travel protection can be a worthwhile decision for many travelers.

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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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.

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.

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.)

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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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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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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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.

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.

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

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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.

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.

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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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.

The base coverages begin at 12:01am of the following day after purchasing your annual plan. Optional coverages that you add on per-trip would become active at different times, depending on the benefit. For example, Optional Trip Interruption begins once you depart for your trip, while Optional Rental Car Damage and Theft Coverage begins when you sign the rental agreement and obtain the car. Review the plan document for full details on when each coverage begins.

A covered delay must last a certain number of hours (3, 6, or 12 hours, depending on your plan) to be covered by the trip delay benefit.

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.

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.

Some credit cards may offer limited travel benefits, but they may not include extensive medical coverage, medical evacuation, or the same level of trip protection available through a third-party travel insurance provider.

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.

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

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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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.

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.

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 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.

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.

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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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.

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 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.

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.

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 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.

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.

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.

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.

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.

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.

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.

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 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.

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.

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.

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.

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.

If you’re planning to participate in adventure or extreme sports while traveling, we recommended our Worldwide Trip Protector Platinum plan with the Extreme Sports Medical Upgrade add-on. Often, high-risk activities like cliff diving or bungee jumping are excluded from certain coverage, but this add-on is a great way to customize your plan to fit your itinerary.

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