This is a long page with lots of information and is for NY and PA residents.

This is important: If you are paying any part of your trip with a travel credit from a cancelled trip, your Initial Trip Deposit Date is the date you first paid money on the cancelled trip that created the travel credit. Not the date you used the credit.

Travel Insured plans bought after 1/31/2024 will not cover trips to Afghanistan, Belarus, Haiti, Iran, Iraq, Israel (just CFAR), Libya, Myanmar, North Korea, Palestine, Russia, South Sudan, Sudan, Syria, Ukraine, Venezuela, Yemen.

Travel Insured’s Trip Cancellation
Travel Insurance Plans

Travel Insurance Claim Paid in Full for Jon from Massachusetts: I wanted to follow up with you on your very helpful telephone calls as it relates to the claim that we ended up filing with Travel Insured. Thanks to all of the details about the fine print on your web site (and the advice you gave me on the phone the Friday before when the storm was coming in)… Click here to read Jon’s letter with all the details.

Travel Insured has its strengths & quibbles:
Why Buy It?	Quibbles
Travel Insured’s Worldwide Trip Protector plan (WTP) has $100,000 Secondary Medical coverage (Primary in NY). You can change Medical & Baggage to Primary for $25 a person.	Travel Insured plans will cover up to $100,000 p/p trip cost and $200,000 per policy. They only quote $25,000 p/p maximum online. Contact us for quotes on up to $100,000.
Travel Insured’s Worldwide Trip Protector Plus plan has $100,000 Primary Medical coverage	You must insure 100% of all prepaid and non-refundable trip costs to get pre-existing medical condition coverage
The lowest trip cost you can cover is $0. You won’t have trip cancellation coverage. You have $1,000 Return Air only for the Plus & $500 for the WTP.	Business owners, partners, temporary or self-employed persons are not covered under the Cancel for Work Reasons
You have to buy a Travel Insured WTP or Plus plan within 21 calendar days after your initial trip deposit date to get pre-existing medical condition coverage and default coverage. And have the Cancel for Any Reason on the Plus plan.	The Cancel for Any Reason on the Plus plan requires you to cancel Your Trip 48 hours or more before Your Scheduled Departure Date (not available to a NY resident).
You can cancel your trip within 48 hours of Your Scheduled Departure Date and time if Your Trip destination is under a hurricane warning issued by the NOAA National Hurricane Center, provided the cancellation of Your Trip occurs more than 14 days after Your Effective Date
The WTP and Plus plans include $150,000 Non-Medical Emergency Evacuation coverage from a safe departure point to the nearest safe location if there was no Travel Advisory or Travel Warning from the US State Dept.
Both the Travel Insured’s Worldwide Trip Protector & Plus plans include “Hospital of Your choice” emergency transportation if medically necessary
Travel Insured can advance payment to a medical facility if needed to secure Your admission
The pre-existing medical conditions Lookback Period is 60 days
You have a 14 day Free Look Period
Travel Insured’s maximum trip length is 180 days
Cancellation due to Work Reasons coverage (revocation of previously approved time off) is included
Travel Insured is 1 of the few companies we trust
If you already know which Travel Insured plan you want & your trip cost isn’t over $25,000 per person click here to go to Travel Insured’s secure online order form. Or call us toll free at 1-888-407-3854 to place your order over the telephone.

Travel Insured covers you for $100,000 Primary or Secondary Medical, up to $1,000,000 Emergency Medical Evacuation and 150% Trip Interruption. 14 day money back smile of satisfaction guarantee.

Travel Insured’s Worldwide Trip Protector plan is family-friendly:
Children under 18 (the age when you order the insurance) are covered at no additional cost, when accompanied by a covered adult. The children must be a Family Member of the primary insured. Your children get a break on their travel costs, so why pay extra for their travel insurance, too?

Travel Insured’s Certificates of Coverage
Worldwide Trip Protector plan’s Certificate for Pennsylvania	Worldwide Trip Protector Plus plan’s Certificate for Pennsylvania
Worldwide Trip Protector plan’s Certificate for New York
A brief description is below. For complete coverage, terms, conditions and exclusions, select the desired Travel Insured Certificate of Coverage. You can view or download Travel Insured’s Certificates with the free Adobe Acrobat Reader.

Ready to Purchase? It’s easy (and safe) to purchase online or over the telephone – just call Deanna, Kim or Steve toll free at 1-888-407-3854 or 816-282-6858.
Click here to go to Travel Insured’s secure online order form

The Travel Insured Worldwide Trip Protector & Plus Plans’ cover (all coverages are per person)
Plan Name	Worldwide Trip Protector	Worldwide Trip Protector Plus
Secure online order form link (you don’t pay extra fees using us)	Travel Insured’s secure online order form
Cancel For Any Reason	Not available	Included Benefit: 75% (except NY residents)
Who can get this?	Any US resident
Trip Cancellation	Up to the insured amount
Trip Interruption	Up to 150% of the insured amount
Medical	$100,000 Secondary for PA residents and 100,000 Primary for NY residents. You can change Medical & Baggage to Primary for $25 a person.	$100,000 Primary If your trip is longer than 90 days, the medical only covers 90 days of treatment
Emergency Medical Transportation	$1,000,000
Dental Treatment for Accidental Injury	$750 sublimit of medical
Your deadline to waive the Pre-Existing Medical Condition exclusion	Your Initial Trip Deposit Date plus 21 calendar days
Pre-Existing Medical Condition Lookback Period	60 Days (travelers, co-travelers & family members)
Baggage/Personal Effects	$1,000 Secondary ($250 per item / $500 combined)	$1,000 Primary ($250 per item / $500 combined)
Baggage Delay	$300 (after 12 hours)
Trip Delay	$1,000 after 6 hours / $200 per day
Missed Connection	$500 after 3 hours en route to cruise or tour
Itinerary Change	$500
Change Fee	$250
Reimbursement of Miles or Rewards Points	$250
Damage To Your Rental Car	$50,000 for $7 per day only if included when policy is purchased	$50,000 Included
24-hr Accidental Death & Dismemberment	$10,000
Up to $1,000,000 Optional Flight Insurance Upgrade	$8 for $100,000 $18 for $250,000 $39 for $500,000 $50 for $1,000,000
$35 per person Optional Increase Benefit Limit Upgrade	Additional Travel Delay ($2,000 total) Additional Missed Connection ($1,000 total) Additional Baggage/Personal Effects ($2,000 total) Additional Baggage Delay ($600 total)
24-hour Assistance Services	Yes
3rd Party Travel Supplier Financial Default	14 Day Wait if purchased by your Initial Trip Deposit Date plus 21 calendar days
Terrorist Incident coverage in Itinerary City	“a Terrorist Incident that occurs within 30 days of Your Scheduled Departure Date in a city listed on the itinerary of Your Trip. The Terrorist Incident must occur after the Effective Date of Your Trip Cancellation Coverage.”
Insurance Underwriter	United States Fire Insurance Company (A Rated)
Money Back Guarantee	14 days
Secure online order link (you don’t pay extra fees using us)	Travel Insured’s secure online order form

Ready to Order? It’s easy (and safe) to order online or over the telephone – just call Deanna, Kim or Steve toll free at 1-888-407-3854 or 816-282-6858.

Here’s How the Travel Insured Plus Cancel for Any Reason Benefit Works: If You cancel Your Covered Trip for any reason not otherwise covered by this plan at least fortyeight (48) hours or more before Your Scheduled Departure Date, the Company will reimburse You for seventy-five percent (75%) of the prepaid, forfeited, non-refundable payments or deposits You paid for Your Covered Trip provided: a) Your payment for this policy and enrollment form are received within 21 days after the date your Initial Payment or Deposit for your Trip is received; and b) You insure 100% of the Prepaid Trip costs that are subject to cancellation penalties or restrictions and also insure within 21 days after the Payment or Deposit for those Travel Arrangements the cost of any subsequent Travel Arrangements or any other Travel Arrangements not made through Your travel agent) added to Your Trip; and c) You cancel Your Trip 48 hours or more before Your Scheduled Departure Date. Here’s How the Travel Insured Plus Interruption for Any Reason Benefit Works: If You interrupt Your Trip, 72 hours or more after Your actual Departure Date, for any reason not otherwise covered by this Policy, benefits will be paid, up to the lesser of a) the Maximum Benefit Amount shown in Your Confirmation of Benefits; or b) 75% the total amount of coverage You purchased, to reimburse You for unused non-refundable land or water Travel Arrangements; Plus the Additional Transportation Cost paid a) to join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements by the most direct route possible to reach Your Trip destination (Airfare limited to the cost of one-way airfare using the same class of fare as the original travel ticket); or b) to rejoin Your Trip or transport You to Your originally scheduled return destination, if You must interrupt Your Trip after departure, each by the most direct route possible (Airfare limited to the cost of one-way airfare using the same class of fare as the original travel ticket) Important: If you insure an amount less than your total prepaid trip costs that are subject to cancellation penalties or restriction there’s no coverage available under the Optional Cancel and Interrupt for Any Reason Benefit.

Note this important Travel Insured Plus Plan pricing information:

• Travel Insured plans will cover up to $100,000 p/p trip cost and $200,000 per policy. They only quote $25,000 p/p maximum online. Contact us for quotes on up to $100,000.
• It’s the same price for a trip of up to 30 days
• The daily per person rates for a 31 – 180 days’ trip is $8
• Here’s the Travel Insured Worldwide Trip Protector Plus secure online order form

Ready to Purchase? It’s easy (and safe) to purchase online or over the telephone – just call Deanna, Kim or Steve toll free at 1-888-407-3854 or 816-282-6858.

Note this important Travel Insured Worldwide Trip Protector Plan pricing information:

• Travel Insured plans will cover up to $100,000 p/p trip cost and $200,000 per policy. They only quote $25,000 p/p maximum online. Contact us for quotes on up to $100,000.
• It’s the same price for a trip of up to 30 days
• All children under 18 traveling with adult family member are covered at no additional charge
• Get Primary medical for just $25 per person
• The daily per person rates for a 31 – 180 days’ trip is $5
• Here’s the Travel Insured Worldwide Trip Protector secure online order form

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Ready to Purchase? It's easy and safe to purchase online or over the phone - just call Deanna, Kim or Steve at 888-407-3854 or 507-214-3854.

PS - Read Steve's Blog or you may Subscribe to Steve's blog here

PPS - Even though TripInsuranceStore.com is the world's most informative travel insurance website, you are still responsible to know the coverage terms, conditions, limitations, and exclusions of your plan. No comments or explanations confirm or deny coverage. You need to refer to each plan's policy wording.

PPPS - The Trip Cancellation coverage begins at 12:01 a.m. on the day after the date the policy is purchased. All other coverages begin when you leave home for your trip when your departure date is in the future.

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