How to purchase travel insurance for a solo traveler?

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.

What type of travel insurance should a solo traveler buy?

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.

Is travel insurance worth it for a solo traveler?

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.

Travel Insurance FAQs | Answers & Support | Travel Insured International

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How do I add 24/7 Traveler Support Services to my plan?

24/7 worldwide non-insurance assistance services are automatically included with a travel protection plan by Travel Insured.

How do I contact the support helpline?

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

What are 24/7 Traveler Support Services?

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.

What can the service helpline assist me with?

Non-insurance assistance services provide immediate support while you’re on a trip, offering:

Business concierge
Medical or legal referrals
Inoculation information
Arranging an emergency medical evacuation
Hospital admission guarantee
Arranging a non-medical emergency evacuation
Translation service
Lost baggage retrieval
Passport/visa information
Emergency cash advance
Bail bond
Prescription drug/eyeglass replacement
ID theft resolution service

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When are the services available for use?

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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When should I use the 24/7 helpline?

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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What types of accidents may be covered under the AD&D (other than air flight benefit)?

Potential covered accidents may include scenarios such as car accidents, falls, drowning, or other unexpected events resulting in death or dismemberment, as long as they occur during the covered trip and are not related to air travel.

What injuries qualify for a dismemberment benefit?

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.

Does AD&D 24 Hour Other than Air Flight cover incidents related to flights?

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.

How can the Optional Rental Car Damage and Theft benefit help?

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.

What benefit does the Baggage & Personal Effects benefit provide?

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.

What can be the value of having a travel protection plan with added bundles and coverages?

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.

What does the Optional Flight Bundle cover?

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.

What is the Optional Baggage Bundle?

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.

What is the Optional Cancel or Interrupt for Any Reason Bundle?

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.

What is the Optional Cruise Bundle?

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.

What is the Trip Delay benefit, and how can it help?

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.

What is the Optional Extreme Sports Medical Upgrade?

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.

What is the Optional Pet Bundle, and what does it cover?

The Optional Pet Bundle can support travelers with pets or service animals. It offers coverage for trip cancellation if your pet becomes seriously ill or injured before you leave. It may also help with extra boarding fees if you’re delayed, and medical expenses if your pet needs emergency care during your trip. It can be a helpful addition for anyone traveling that has furry companions.

How much does adventure travel insurance cost?

The cost of a travel protection plan depends on several factors, including the trip duration, age, and level of coverage you select. Choosing any of our add-on coverages comes at an additional cost to the base plan. A travel protection plan from Travel Insured contains both travel insurance benefits and non-insurance assistance services.

For an accurate price, get a personalized quote based on your travel plans and activities.

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Should I get adventure travel insurance?

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.

What is covered in adventure travel insurance?

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.

What are base benefits?

“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.

Should I get annual travel insurance if I travel often?

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.

How much does annual travel insurance cost?

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.

When does coverage begin for the annual plan?

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.

How many trips can be added to the plan?

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.

How do base and optional benefits work with an annual travel insurance plan?

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

What are optional benefits?

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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How do I purchase optional benefits for each trip?

Optional benefits can be purchased at the time you add a trip to your plan. When adding a trip to your plan inside your account’s My Multi-Trip Plan tab, you will see the optional benefits available for selection. As you select optional benefits for a trip, you will see the change in cost prior to purchase. You can purchase directly from that screen using the payment method saved to your Travel Insured account.

Is there a limit to how long each trip is?

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.

What can annual travel insurance cover?

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.

Are annual travel insurance plans worth it?

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.

Are children included at no cost?

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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Are trip types calculated per person?

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.

How can the non-insurance assistance company respond in a medical evacuation emergency?

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.

How much does insurance for baggage cost?

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.

Can travel insurance cover baggage damage?

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.)

Does travel insurance cover delayed baggage?

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.

Is there a deductible for baggage delay claims?

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.

What if my baggage is delayed, but I have essential items with me?

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.

Can I purchase baggage delay coverage only?

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.

Is there a limit on how much I can be reimbursed for a single item?

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 equipment – 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.

Can I upgrade my coverage to include higher limits for items like electronics or sports equipment?

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.

How much does business travel insurance cost?

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.

What is covered in business travel insurance?

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

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

Yes, you can add pre-paid and non-refundable trip costs as long as 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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Can I omit some of the coverage that I don’t need?

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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Can I update my travel insurance plan if my trip details change?

Yes, you can often update your travel insurance plan if your trip changes. Contact Travel Insured’s customer service to adjust your coverage, such as adding travelers, extending trip dates, or increasing coverage amounts. It’s important to make changes as soon as possible to ensure continuous protection.

Can you add additional trip costs after purchase?

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.

How much does rental car insurance cost?

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.

Does my car insurance cover rental cars?

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.

How do I buy rental car travel insurance?

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.

What’s the difference between CFAR and IFAR?

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.

What kinds of documents do I need to submit for my claim?

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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Should I mark information on my documents?

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.

Why do you need refund information and proof of payment?

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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What if I have questions after receiving the claims package?

Call us at 855-752-8303, Monday–Friday, 8:00 a.m.–6:00 p.m. ET for assistance.

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

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.

Who counts as a “Family Member”?

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.

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

What does cruise travel insurance cover?

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.

Is coverage available for medical care on a cruise?

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.

Can you buy cruise insurance after booking?

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.

Is cruise insurance worth it?

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.

Can you get travel insurance for domestic travel?

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.

What does domestic travel insurance cover?

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.

Do I need domestic travel insurance?

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.

Is travel insurance worth it for domestic flights?

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.

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

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How much is family travel insurance?

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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What does family travel insurance cover?

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.

Does travel insurance cover cancellation due to family illness?

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.

Does family travel insurance cover individuals?

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.

How much is flight insurance?

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.

What can flight insurance cover?

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.

Should I get flight insurance?

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.

Is flight insurance worth it?

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.

How much does travel insurance cost for a golf trip?

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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Is golf trip travel insurance worth it?

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.

How do I get hotel travel insurance?

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.

How do I calculate my trip cost?

Your trip cost should include any expenses that are prepaid and non-refundable.

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How do I file a travel insurance 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.

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

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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How much does international travel insurance cost?

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.

Does my health insurance cover international travel?

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.

Is travel insurance necessary for international travel?

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.

Can the medical evacuation benefit help in a medical emergency abroad?

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.

What could prompt a medical evacuation?

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.

What are the benefits of purchasing travel protection for medical emergencies?

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.

Can travel protection help me find medical care on my trip?

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.

Does travel insurance cover medical expenses?

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.

How much medical expense coverage do I need?

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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Can I get travel insurance for skiing?

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.

When can missed connection coverage apply for connecting flights?

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.

Can the missed connection benefit cover hotel stays if I need to wait for the next flight?

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.

Can I use missed connection coverage for non-air travel delays, like trains or buses?

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.

What expenses can be covered under Political or Security Evacuation?

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.

How do I request a Political, Security, or Natural Disaster Evacuation?

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.

What types of natural disasters may require an evacuation?

Common natural disasters include earthquakes, hurricanes, floods, wildfires, volcanic eruptions, and other events declared as emergencies by local authorities. The Natural Disaster Evacuation benefit is available when a covered evacuation is necessary.

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