Frequently Asked Questions

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.

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.

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.

Our travel protection plans can cover trip cancellations, interruptions, and delays, as well as lost or delayed baggage and emergency medical expenses while traveling within the U.S. It may also include medical evacuation and 24/7 non-insurance travel assistance. Coverage helps protect you from unexpected events and financial losses during your domestic trip.

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.

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.

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.

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.

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.

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.

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

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.

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.

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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For travelers who take multiple eligible work trips each year, an annual protection plan may provide a more convenient alternative to purchasing separate coverage for every trip. Availability, benefits, and eligibility vary by plan and state.

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.

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 worldwide non-insurance assistance services are automatically included with a travel protection plan by Travel Insured.

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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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.

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.

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.

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.

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.

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.

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.

Family trip insurance can provide a wide range of coverage to protect families from unexpected events before and during their travels. It usually includes trip cancellation, which can reimburse non-refundable expenses if you must cancel your trip due to covered reasons such as illness, injury, or family emergencies. Trip delay coverage helps with additional costs if your trip is delayed by covered events like severe weather or outages at the airport. Emergency medical expenses can be covered as well, providing reimbursement for unexpected medical treatment and hospital stays if a family member becomes ill or injured while traveling. Baggage protection can reimburse for lost, stolen, or damaged luggage and personal belongings. All our plans also offer 24/7 non-insurance travel assistance services, providing global support for emergencies such as finding medical care, replacing lost passports, or arranging transportation. Some plans include accidental death and dismemberment benefits, offering financial support in the event of a serious accident. Since coverage details and limits can vary by plan, it’s important to review the specific terms and conditions of your chosen plan to understand exactly what is included.

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.

Many seniors consider travel insurance a “need” because they may face a higher risk of medical emergencies, trip interruptions, or unexpected events while traveling. Travel insurance can provide important protection by covering medical expenses, trip cancellations, lost baggage, and other unforeseen issues, giving seniors a sense of security during their travels.

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.

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.

No, baggage delay coverage is included as part of our extensive travel protection plans. It cannot be purchased on its own. However, including it in a full plan helps you benefit from additional protections like trip interruption coverage and medical expense coverage, providing a safety net for your journey.

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.

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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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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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.

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 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 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.

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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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.

“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.

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.

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.

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

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.

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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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 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.

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.

Cruise travel protection plans typically cover a wide range of unexpected events, including trip cancellations, trip interruptions, travel delays, missed connections, medical emergencies, and baggage loss or delay. Coverage may also extend to medical evacuation, accidental injury, and certain emergency services. In addition to these insurance benefits, plans from Travel Insured International include non-insurance services like 24/7 access to concierge help or emergency coordination. Optional upgrades, such as Cancel for Any Reason (CFAR), may be added for increased flexibility and control. It's important to review the specific plan document for benefit limits and covered reasons.

The Optional Baggage Bundle is available with the Worldwide Trip Protector Platinum plan. It increases your baggage & personal effects coverage from $2,500 to $5,000 and raises the per-item maximum from $250 to $500. It also adds coverage for items like sports, golf, or business equipment—ideal if you're traveling with these high-value belongings.

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.

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.

The Flight Bundle includes added covered reasons for trip cancellation or interruption due to things like mechanical breakdowns, government shutdowns, or airport power outages. It may also help with change fees or extra costs if you need to alter your flight plans. This option is popular for travelers whose trip relies on timely air travel.

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 Optional Cruise Bundle expands your plan with cruise-specific benefits. It adds a covered reason for cancellation or interruption if there are low river levels, and increases the baggage delay benefit maximum. You may also be reimbursed for missed shore excursions, travel inconveniences or itinerary changes.

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.

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 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.

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.

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.

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.

Travel insurance can cover trip disruptions related to air travel. That includes flight cancellations, delays, missed connections, and in some cases, issues with baggage. The exact benefits depend on the plan and whether you added the optional Flight Bundle. Travel Insured’s flight-specific coverages/covered reasons are designed to assist when your itinerary changes.

Travel insurance helps protect against unexpected events that may occur before or during your trip, such as trip cancellations, medical emergencies, or lost luggage. When you purchase a plan, you pay a cost based on your trip details and coverage needs. If a covered event happens, you file a claim with us, submit any required documentation, and, if approved, receive reimbursement for your eligible expenses up to the plan’s maximum benefit amount.​

You would call C&F Services, our emergency assistance partner, and they would work with you and their emergency team/personnel. They can help evacuate you to the nearest suitable facility where medically necessary treatment is available, when your condition is deemed to be acute, severe, or life threatening and adequate treatment is not available in the immediate area. If you would like to learn more about the medical evacuation procedure, please refer to your Plan Document for more specific details.

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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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Normally, there is an exclusion of coverage for pre-existing condition, but our plans offer a waiver if certain criteria is met. The Pre-existing Medical Conditions exclusion can be waived if you purchase your plan within the time sensitive period (stated in your plan document) and you are medically able and not disabled from travel at the time of purchase. This waiver applies to medically related Trip Cancellation and Interruption reasons.

Please read the plan document for full details on this exclusion waiver.

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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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.

This optional upgrade removes the standard exclusion of coverage for injuries sustained during adventure or extreme activities. It can allow for medical expense benefits to help cover treatment and hospital stays if you’re injured while participating in high-risk or adventurous sports.

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.

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.

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.

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.​

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.

Many travelers think travel protection is worth it for a golf trip, especially if you have significant prepaid expenses, are traveling with valuable golf equipment, or are going abroad. It can protect you from financial losses due to trip cancellations, lost or damaged clubs, medical emergencies, and travel disruptions. Having coverage can provide peace of mind, allowing you to enjoy your golf getaway knowing you’re protected against many common travel risks.

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.

24/7 non-insurance travel support assistance:
1-800-494-9907 (Within U.S./Canada)
1-603-328-1 707 (Outside of US/Canada)

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.

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.

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.

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

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 cost of travel protection for seniors can vary based on several factors, including age, trip length, and coverage limits. Extensive plans with higher medical coverage or additional benefits may cost more. All plans contain insurance benefits and non-insurance travel assistance services. For exact pricing, it’s best to get a no-obligation quote to compare our plans and consider your specific travel needs.

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.

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

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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.

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.

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.)

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

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 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.

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.

Yes, you can often update your travel protection plan if your trip changes. To change your trip dates or adjust your trip cost, use your Travel Insured account or contact Customer Care prior to your scheduled departure date. It’s important to make changes as soon as possible to ensure continuous protection.

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.

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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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.

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.