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The newest comments are on the last pages. Some have the author’s name & city, state / province attached and some do not. These are are the real (not made up) words we have received from our customers. In case you’re tempted to think we just sit around and make these up, here’s why we don’t:

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This is a long page – You get lots of information. This FlexiPAX plan is for anyone except HI, IN, MO, MT, NY, VA or WA residents. Click here if you live in HI, here if you live in IN, here if you live in MO, here if you live in NY, here if you live in VA or here if you live in WA.
If your Travel hasn’t and will not take place due to Covid, Travel Insured can change the dates on your policy. Click here to learn what you can do with your Travel Insured policy.
This is important: If you are making any of your payments with a travel credit from a previously 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 doesn’t cover trips that include destinations of Russia and/or Belarus
As of Oct 9, 2023 new Travel Insured plans won’t cover trips to Israel

Travel Insured’s FlexiPAX Trip Cancellation Insurance Plan

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
Round bullet point Travel Insured’s FlexiPAX plan has $100,000 Primary Medical coverage. These limits may be increased for $7 or $9 per person. Round bullet point Travel Insured plans cover up to a $25,000 per person trip cost and $200,000 per policy for Trip Cancellation.
Round bullet point You have to buy the FlexiPAX plan within 21 calendar days after your initial trip deposit date to get pre-existing medical condition coverage and both the optional CFAR-IFAR upgrade and Cancel For Work reasons upgrade. Round bullet point Children aren’t free for the optional upgrades. Their CFAR-IFAR price is 3% of their trip cost.
Round bullet point You don’t have to insure 100% of all prepaid and non-refundable trip costs for the Cancel for Any Reason (CFAR) and the Interrupt for Any Reason (IFAR). Round bullet point The Cancel for Any Reason requires you to cancel Your Trip no later than 48 hours prior to the Scheduled Departure Date of Your Trip.
Round bullet point You don’t have to insure 100% of all prepaid and non-refundable trip costs to have pre-existing medical condition coverage.
Round bullet point The pre-existing medical conditions Lookback Period is 60 days and also applies to non-traveling family members
Round bullet point “Hospital of Your choice” emergency transportation if medically necessary is included
Round bullet point Travel Insured will advance payment to a medical facility if needed to secure Your admission
Round bullet point You have a 14 day Free Look Period
Round bullet point You get a 150% trip interruption benefit
Round bullet point FlexiPAX’s maximum trip length is 180 days
Round bullet point Trip cancellation within 48 hours of Your Scheduled Departure Date is covered if Your Scheduled Departure City or Destination is under a hurricane warning issued by the NOAA Hurricane Center and it’s more than 14 days after Your Effective Date.
Round bullet point $50,000 Political or Security Evacuation and Natural Disaster Evacuation is included.
Travel Insured is 1 of the few companies we trust
If you already know you want the Travel Insured plan click here to go to Travel Insured’s secure online order form. Or call Deanna, Kim or Steve toll free at 1-888-407-3854 to place your order over the telephone.

Travel InsuredTravel Insured FlexiPAX covers you for $100,000 Primary Medical, up to $500,000 Emergency Medical Evacuation and 150% Trip Interruption. 14 day money back smile of satisfaction guarantee.

Travel Insured’s FlexiPAX 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 FlexiPAX’s Certificates of Coverage

Most States’ FlexiPAX plan Certificate Illinois Residents
Indiana Residents
New Hampshire Residents Oregon Residents
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

Travel Insured’s FlexiPAX plan covers:
(all coverages are per person)

Plan Name FlexiPAX
Secure online order form link (you don’t pay extra fees using us) Travel Insured’s secure online order form
Cancel and Interrupt For Any Reason Optional Upgrade for a 52.9% surcharge
Who can get this? Any US resident except HI, IN, MO, MT, NY, VA or WA residents
Trip Cancellation Up to the insured amount
Trip Interruption Up to 150% of the insured amount
Medical $100,000 Primary
Emergency Medical Transportation $500,000
Political or Security Evacuation and Natural Disaster Evacuation Up to $50,000
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)
Trip Delay $1,000 after 6 hours / $150 per day
Baggage/Personal Effects $1,000 Primary ($250 per item / $500 combined)
Baggage Delay $300 (after 6 hours)
Change Fee $200
24-hr Accidental Death & Dismemberment $10,000
24-hour Assistance Services Yes
3rd Party Travel Supplier Financial Default 15 Day Wait after purchase
Terrorist Incident coverage in Itinerary City “a Terrorist Incident that occurs during your trip within 30 miles of the city listed on the scheduled itinerary of Your Trip; provided Your Travel Supplier (if applicable) did not offer a substitute itinerary.”
Insurance Underwriter United States Fire Insurance Company (A Rated)
Money Back Guarantee 14 days

Optional Upgrades

Cancel and Interrupt For Any Reason Optional Upgrade for a 52.9% surcharge
Rental Car Damage (Excess) $30,000 for $7 per day you have the car (except Hawaii residents)
Cancel for Work Reasons $10
Trip Delay Increase $1,500 for $11 or $2,000 for $15 or $2,500 for $18
Baggage & Personal Effects Increase $1,500 for $2 or $2,000 for $3 or $2,500 for $4
Baggage Delay Increase $500 for $2 or $1,500 for $5 or $2,000 for $6
Increase Evacuation to $1,500,000 & Medical to $500,000 $9
Increase Evacuation to $1,000,000 & Medical to $250,000 $7
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.

Travel Insured’s Cancel for Any Reason:

The Cancel for Any Reason (CFAR) and Interruption for Any Reason (IFAR) coverage increases the Travel Insured FlexiPAX plan’s price by 52.9%. You can only purchase this benefit at the time the FlexiPAX plan is purchased. And, children aren’t free for the CFAR-IFAR. Their price is 3% of their trip cost.

Travel Insured will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited, prepaid non-refundable Payments or Deposits You paid for Your Trip, when You cancel Your Trip prior to departure for any reason not otherwise covered by this policy, provided the following conditions are met:

1) You purchase the Cancel for Any Reason Benefit within the Time Sensitive Period; (within 21 days after the date your Initial Payment or Deposit for your Trip) and
2) You cancel Your Trip no later than 48 hours prior to the Scheduled Departure Date of Your Trip.

This Cancel for Any Reason Benefit does not cover penalties associated with any Travel Arrangements not provided by Retail Travel Supplier or the failure of Retail Travel Supplier to provide the bargained-for Travel Arrangements due to cessation of operations for any reason.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

Travel Insured’s Interruption for Any Reason:

Travel Insured will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, forfeited prepaid non-refundable Payments or Deposits paid for the Travel Arrangements You purchased for Your Trip, if You interrupt Your Trip 72 or more hours after the actual Scheduled Departure Date for any reason not otherwise covered by this policy, provided the following conditions are met:

1. You purchase the Interruption for Any Reason Benefit within the Time Sensitive Period (within 21 days after the date your Initial Payment or Deposit for your Trip).

If the above conditions are met, Travel Insured will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the Additional Transportation Cost to:

a) join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements; or
b) rejoin Your Trip from the point where You interrupted Your Trip to the next scheduled destination; or
c) transport You to Your originally scheduled return or final destination of Your Trip.

This benefit does not cover penalties associated with Travel Arrangements not provided by the Travel Supplier for this Trip and failure of the Travel Supplier to provide the agreed upon arrangements for Your Trip for any reason.

In no event shall the amount reimbursed for Trip Interruption for Any Reason exceed the lesser of the amount You prepaid for Your Trip or the Maximum Benefit Amount shown in the Schedule of Benefits.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

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 the Travel Insured’s secure online order form
Note this important Travel Insured FlexiPAX Plan pricing information:

  • Travel Insured plans will cover up to $25,000 p/p trip cost and $200,000 per policy
  • 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 except for the optional upgrades
  • The daily per person rates for a 31 – 180 day long trip is $11
  • Here’s the Travel Insured FlexiPAX secure online order form



adservices

This is a long page – You get lots of information. This FlexiPAX plan is for Virginia residents. Click here if you live in HI, here if you live in IN, here if you live in MO, here if you live in NY, here if you live in WA or here if you live in the other States to see your information. And, the WTP plan is here.
If your Travel hasn’t and will not take place due to Covid, Travel Insured can change the dates on your policy. Click here to learn what you can do with your Travel Insured policy.
This is important: If you are making any of your payments with a travel credit from a previously 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 doesn’t cover trips that include destinations of Russia and/or Belarus
As of Oct 9, 2023 new Travel Insured plans won’t cover trips to Israel

Travel Insured’s FlexiPAX Trip Cancellation Insurance Plan

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
Round bullet point Travel Insured’s FlexiPAX plan has $100,000 Primary Medical coverage. These limits may be increased for $7 or $9 per person. Round bullet point Travel Insured plans cover up to a $25,000 per person trip cost and $200,000 per policy for Trip Cancellation.
Round bullet point You have to buy the FlexiPAX plan within 21 calendar days after your initial trip deposit date to get pre-existing medical condition coverage and both the optional CFAR-IFAR upgrade and Cancel For Work reasons upgrade. Round bullet point Children aren’t free for the optional upgrades. Their CFAR-IFAR price is 3% of their trip cost.
Round bullet point You don’t have to insure 100% of all prepaid and non-refundable trip costs for the Cancel for Any Reason (CFAR) and the Interrupt for Any Reason (IFAR). Round bullet point The Cancel for Any Reason requires you to cancel Your Trip no later than 48 hours prior to the Scheduled Departure Date of Your Trip.
Round bullet point You don’t have to insure 100% of all prepaid and non-refundable trip costs to have pre-existing medical condition coverage.
Round bullet point The pre-existing medical conditions Lookback Period is 60 days and also applies to non-traveling family members
Round bullet point “Hospital of Your choice” emergency transportation if medically necessary is included
Round bullet point Travel Insured will advance payment to a medical facility if needed to secure Your admission
Round bullet point You have a 14 day Free Look Period
Round bullet point You get a 150% trip interruption benefit
Round bullet point FlexiPAX’s maximum trip length is 180 days
Round bullet point Trip cancellation within 48 hours of Your Scheduled Departure Date is covered if Your Scheduled Departure City or Destination is under a hurricane warning issued by the NOAA Hurricane Center and it’s more than 14 days after Your Effective Date.
Round bullet point $50,000 Political or Security Evacuation and Natural Disaster Evacuation is included.
Travel Insured is 1 of the few companies we trust
If you already know you want the Travel Insured plan click here to go to Travel Insured’s secure online order form. Or call Deanna, Kim or Steve toll free at 1-888-407-3854 to place your order over the telephone.

Travel InsuredTravel Insured FlexiPAX covers you for $100,000 Primary Medical, up to $500,000 Emergency Medical Evacuation and 150% Trip Interruption. 14 day money back smile of satisfaction guarantee.

Travel Insured’s FlexiPAX 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 FlexiPAX’s Certificates of Coverage

Most States’ FlexiPAX plan Certificate Illinois Residents
Indiana Residents
New Hampshire Residents Oregon Residents
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

Travel Insured’s FlexiPAX plan covers:
(all coverages are per person)

Plan Name FlexiPAX
Secure online order form link (you don’t pay extra fees using us) Travel Insured’s secure online order form
Cancel and Interrupt For Any Reason Optional Upgrade for a 52.9% surcharge
Who can get this? Residents of Virginia
Trip Cancellation Up to the insured amount
Trip Interruption Up to 150% of the insured amount
Medical $100,000 Primary
Emergency Medical Transportation $500,000
Political or Security Evacuation and Natural Disaster Evacuation Up to $50,000
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)
Trip Delay $1,000 after 6 hours / $150 per day
Baggage/Personal Effects $1,000 Primary ($250 per item / $500 combined)
Baggage Delay $300 (after 6 hours)
Change Fee $200
24-hr Accidental Death & Dismemberment $10,000
24-hour Assistance Services Yes
3rd Party Travel Supplier Financial Default 15 Day Wait after purchase
Terrorist Incident coverage in Itinerary City “a Terrorist Incident that occurs during your trip within 30 miles of the city listed on the scheduled itinerary of Your Trip; provided Your Travel Supplier (if applicable) did not offer a substitute itinerary.”
Insurance Underwriter United States Fire Insurance Company (A Rated)
Money Back Guarantee 14 days

Optional Upgrades

Cancel and Interrupt For Any Reason Optional Upgrade for a 52.9% surcharge
Rental Car Damage (Excess) $30,000 for $7 per day you have the car
Cancel for Work Reasons $10
Trip Delay Increase $1,500 for $11 or $2,000 for $15 or $2,500 for $18
Baggage & Personal Effects Increase $1,500 for $2 or $2,000 for $3 or $2,500 for $4
Baggage Delay Increase $500 for $2 or $1,500 for $5 or $2,000 for $6
Increase Evacuation to $1,500,000 & Medical to $500,000 $9
Increase Evacuation to $1,000,000 & Medical to $250,000 $7
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.

Travel Insured’s Cancel for Any Reason:

The Cancel for Any Reason (CFAR) and Interruption for Any Reason (IFAR) coverage increases the Travel Insured FlexiPAX plan’s price by 52.9%. You can only purchase this benefit at the time the FlexiPAX plan is purchased. And, children aren’t free for the CFAR-IFAR. Their price is 3% of their trip cost.

Travel Insured will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited, prepaid non-refundable Payments or Deposits You paid for Your Trip, when You cancel Your Trip prior to departure for any reason not otherwise covered by this policy, provided the following conditions are met:

1) You purchase the Cancel for Any Reason Benefit within the Time Sensitive Period; (within 21 days after the date your Initial Payment or Deposit for your Trip) and
2) You cancel Your Trip no later than 48 hours prior to the Scheduled Departure Date of Your Trip.

This Cancel for Any Reason Benefit does not cover penalties associated with any Travel Arrangements not provided by Retail Travel Supplier or the failure of Retail Travel Supplier to provide the bargained-for Travel Arrangements due to cessation of operations for any reason.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

Travel Insured’s Interruption for Any Reason:

Travel Insured will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, forfeited prepaid non-refundable Payments or Deposits paid for the Travel Arrangements You purchased for Your Trip, if You interrupt Your Trip 72 or more hours after the actual Scheduled Departure Date for any reason not otherwise covered by this policy, provided the following conditions are met:

1. You purchase the Interruption for Any Reason Benefit within the Time Sensitive Period (within 21 days after the date your Initial Payment or Deposit for your Trip).

If the above conditions are met, Travel Insured will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the Additional Transportation Cost to:

a) join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements; or
b) rejoin Your Trip from the point where You interrupted Your Trip to the next scheduled destination; or
c) transport You to Your originally scheduled return or final destination of Your Trip.

This benefit does not cover penalties associated with Travel Arrangements not provided by the Travel Supplier for this Trip and failure of the Travel Supplier to provide the agreed upon arrangements for Your Trip for any reason.

In no event shall the amount reimbursed for Trip Interruption for Any Reason exceed the lesser of the amount You prepaid for Your Trip or the Maximum Benefit Amount shown in the Schedule of Benefits.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

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 the Travel Insured’s secure online order form

Note this important Travel Insured FlexiPAX Plan pricing information:

  • Travel Insured plans will cover up to $25,000 p/p trip cost and $200,000 per policy
  • 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 except for the optional upgrades
  • The daily per person rates for a 31 – 180 day long trip is $11
  • Here’s the Travel Insured FlexiPAX secure online order form



adservices

This is a long page – You get lots of information. This FlexiPAX plan is for Hawaii residents. Click here if you live in IN, here if you live in MO, here if you live in NY, here if you live in VA, here if you live in WA or here if you live in the other States to see your correct information.
If your Travel hasn’t and will not take place due to Covid, Travel Insured can change the dates on your policy. Click here to learn what you can do with your Travel Insured policy.
This is important: If you are making any of your payments with a travel credit from a previously 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 doesn’t cover trips that include destinations of Russia and/or Belarus
As of Oct 9, 2023 new Travel Insured plans won’t cover trips to Israel

Travel Insured’s FlexiPAX Trip Cancellation Insurance Plan

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
Round bullet point Travel Insured’s FlexiPAX plan has $100,000 Primary Medical coverage. These limits may be increased for $7 or $9 per person. Round bullet point Travel Insured plans cover up to a $25,000 per person trip cost and $200,000 per policy for Trip Cancellation.
Round bullet point You have to buy the FlexiPAX plan within 21 calendar days after your initial trip deposit date to get pre-existing medical condition coverage and both the optional CFAR-IFAR upgrade and Cancel For Work reasons upgrade. Round bullet point Children aren’t free for the optional upgrades. Their CFAR-IFAR price is 3% of their trip cost.
Round bullet point You don’t have to insure 100% of all prepaid and non-refundable trip costs for the Cancel for Any Reason (CFAR) and the Interrupt for Any Reason (IFAR). Round bullet point The Cancel for Any Reason requires you to cancel Your Trip no later than 48 hours prior to the Scheduled Departure Date of Your Trip.
Round bullet point You don’t have to insure 100% of all prepaid and non-refundable trip costs to have pre-existing medical condition coverage.
Round bullet point The pre-existing medical conditions Lookback Period is 60 days and also applies to non-traveling family members
Round bullet point “Hospital of Your choice” emergency transportation if medically necessary is included
Round bullet point Travel Insured will advance payment to a medical facility if needed to secure Your admission
Round bullet point You have a 14 day Free Look Period
Round bullet point You get a 150% trip interruption benefit
Round bullet point FlexiPAX’s maximum trip length is 30 days
Round bullet point Trip cancellation within 48 hours of Your Scheduled Departure Date is covered if Your Scheduled Departure City or Destination is under a hurricane warning issued by the NOAA Hurricane Center and it’s more than 14 days after Your Effective Date.
Round bullet point $50,000 Political or Security Evacuation and Natural Disaster Evacuation is included.
Travel Insured is 1 of the few companies we trust
If you already know you want the Travel Insured plan click here to go to Travel Insured’s secure online order form. Or call Deanna, Kim or Steve toll free at 1-888-407-3854 to place your order over the telephone.

Travel InsuredTravel Insured FlexiPAX covers you for $100,000 Primary Medical, up to $500,000 Emergency Medical Evacuation and 150% Trip Interruption. 14 day money back smile of satisfaction guarantee.

Travel Insured’s FlexiPAX 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 FlexiPAX’s Certificates of Coverage

Most States’ FlexiPAX plan Certificate Illinois Residents
Indiana Residents
New Hampshire Residents Oregon Residents
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

Travel Insured’s FlexiPAX plan covers:
(all coverages are per person)

Plan Name FlexiPAX
Secure online order form link (you don’t pay extra fees using us) Travel Insured’s secure online order form
Cancel and Interrupt For Any Reason Optional Upgrade for a 52.9% surcharge
Who can get this? Residents of Hawaii
Trip Cancellation Up to the insured amount
Trip Interruption Up to 150% of the insured amount
Medical $100,000 Primary
Emergency Medical Transportation $500,000
Political or Security Evacuation and Natural Disaster Evacuation Up to $50,000
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)
Trip Delay $1,000 after 6 hours / $150 per day
Baggage/Personal Effects $1,000 Primary ($250 per item / $500 combined)
Baggage Delay $300 (after 6 hours)
Change Fee $200
24-hr Accidental Death & Dismemberment $10,000
24-hour Assistance Services Yes
3rd Party Travel Supplier Financial Default 15 Day Wait after purchase
Terrorist Incident coverage in Itinerary City “a Terrorist Incident that occurs during your trip within 30 miles of the city listed on the scheduled itinerary of Your Trip; provided Your Travel Supplier (if applicable) did not offer a substitute itinerary.”
Insurance Underwriter United States Fire Insurance Company (A Rated)
Money Back Guarantee 14 days

Optional Upgrades

Cancel and Interrupt For Any Reason Optional Upgrade for a 52.9% surcharge
Cancel for Work Reasons $10
Trip Delay Increase $1,500 for $11 or $2,000 for $15 or $2,500 for $18
Baggage & Personal Effects Increase $1,500 for $2 or $2,000 for $3 or $2,500 for $4
Baggage Delay Increase $500 for $2 or $1,500 for $5 or $2,000 for $6
Increase Evacuation to $1,500,000 & Medical to $500,000 $9
Increase Evacuation to $1,000,000 & Medical to $250,000 $7
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.

Travel Insured’s Cancel for Any Reason:

The Cancel for Any Reason (CFAR) and Interruption for Any Reason (IFAR) coverage increases the Travel Insured FlexiPAX plan’s price by 52.9%. You can only purchase this benefit at the time the FlexiPAX plan is purchased. And, children aren’t free for the CFAR-IFAR. Their price is 3% of their trip cost.

Travel Insured will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited, prepaid non-refundable Payments or Deposits You paid for Your Trip, when You cancel Your Trip prior to departure for any reason not otherwise covered by this policy, provided the following conditions are met:

1) You purchase the Cancel for Any Reason Benefit within the Time Sensitive Period; (within 21 days after the date your Initial Payment or Deposit for your Trip) and
2) You cancel Your Trip no later than 48 hours prior to the Scheduled Departure Date of Your Trip.

This Cancel for Any Reason Benefit does not cover penalties associated with any Travel Arrangements not provided by Retail Travel Supplier or the failure of Retail Travel Supplier to provide the bargained-for Travel Arrangements due to cessation of operations for any reason.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

Travel Insured’s Interruption for Any Reason:

Travel Insured will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, forfeited prepaid non-refundable Payments or Deposits paid for the Travel Arrangements You purchased for Your Trip, if You interrupt Your Trip 72 or more hours after the actual Scheduled Departure Date for any reason not otherwise covered by this policy, provided the following conditions are met:

1. You purchase the Interruption for Any Reason Benefit within the Time Sensitive Period (within 21 days after the date your Initial Payment or Deposit for your Trip).

If the above conditions are met, Travel Insured will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the Additional Transportation Cost to:

a) join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements; or
b) rejoin Your Trip from the point where You interrupted Your Trip to the next scheduled destination; or
c) transport You to Your originally scheduled return or final destination of Your Trip.

This benefit does not cover penalties associated with Travel Arrangements not provided by the Travel Supplier for this Trip and failure of the Travel Supplier to provide the agreed upon arrangements for Your Trip for any reason.

In no event shall the amount reimbursed for Trip Interruption for Any Reason exceed the lesser of the amount You prepaid for Your Trip or the Maximum Benefit Amount shown in the Schedule of Benefits.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

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 the Travel Insured’s secure online order form

Here are the Travel Insured FlexiPAX Plan Prices:

Note this important Travel Insured FlexiPAX Plan pricing information:

  • Travel Insured plans will cover up to $25,000 p/p trip cost and $200,000 per policy
  • It’s the same price for a trip of up to 30 days long which is the longest trip a Hawaiian resident may insure.
  • All children under 18 traveling with adult family member are covered at no additional charge except for the optional upgrades
  • Here’s the Travel Insured FlexiPAX secure online order form



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This is a long page – You get lots of information. This FlexiPAX plan is for Indiana residents. Click here if you live in HI, here if you live in MO, here if you live in NY, here if you live in VA, here if you live in WA or here if you live in the other States to see your correct information.
If your Travel hasn’t and will not take place due to Covid, Travel Insured can change the dates on your policy. Click here to learn what you can do with your Travel Insured policy.
This is important: If you are making any of your payments with a travel credit from a previously 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 doesn’t cover trips that include destinations of Russia and/or Belarus
As of Oct 9, 2023 new Travel Insured plans won’t cover trips to Israel

Travel Insured’s FlexiPAX Trip Cancellation Insurance Plan

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
Round bullet point Travel Insured’s FlexiPAX plan has $100,000 Primary Medical coverage. These limits may be increased for $7 or $9 per person. Round bullet point Travel Insured plans cover up to a $25,000 per person trip cost and $200,000 per policy for Trip Cancellation.
Round bullet point You have to buy the FlexiPAX plan within 21 calendar days after your initial trip deposit date to get pre-existing medical condition coverage and both the optional CFAR-IFAR upgrade and Cancel For Work reasons upgrade. Round bullet point Children aren’t free for the optional upgrades. Their CFAR-IFAR price is 3% of their trip cost.
Round bullet point You don’t have to insure 100% of all prepaid and non-refundable trip costs for the Cancel for Any Reason (CFAR) and the Interrupt for Any Reason (IFAR). Round bullet point The Cancel for Any Reason requires you to cancel Your Trip no later than 48 hours prior to the Scheduled Departure Date of Your Trip.
Round bullet point You don’t have to insure 100% of all prepaid and non-refundable trip costs to have pre-existing medical condition coverage.
Round bullet point The pre-existing medical conditions Lookback Period is 60 days and also applies to non-traveling family members
Round bullet point “Hospital of Your choice” emergency transportation if medically necessary is included
Round bullet point Travel Insured will advance payment to a medical facility if needed to secure Your admission
Round bullet point You have a 14 day Free Look Period
Round bullet point You get a 150% trip interruption benefit
Round bullet point FlexiPAX’s maximum trip length is 180 days
Round bullet point Trip cancellation within 48 hours of Your Scheduled Departure Date is covered if Your Scheduled Departure City or Destination is under a hurricane warning issued by the NOAA Hurricane Center and it’s more than 14 days after Your Effective Date.
Round bullet point $50,000 Political or Security Evacuation and Natural Disaster Evacuation is included.
Travel Insured is 1 of the few companies we trust
If you already know you want the Travel Insured plan click here to go to Travel Insured’s secure online order form. Or call Deanna, Kim or Steve toll free at 1-888-407-3854 to place your order over the telephone.

Travel InsuredTravel Insured FlexiPAX covers you for $100,000 Primary Medical, up to $500,000 Emergency Medical Evacuation and 150% Trip Interruption. 14 day money back smile of satisfaction guarantee.

Travel Insured’s FlexiPAX 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 FlexiPAX’s Certificates of Coverage

Most States’ FlexiPAX plan Certificate Illinois Residents
Indiana Residents
New Hampshire Residents Oregon Residents
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

Travel Insured’s FlexiPAX plan covers:
(all coverages are per person)

Plan Name FlexiPAX
Secure online order form link (you don’t pay extra fees using us) Travel Insured’s secure online order form
Cancel and Interrupt For Any Reason Optional Upgrade for a 52.9% surcharge
Who can get this? Residents of Indiana
Trip Cancellation Up to the insured amount
Trip Interruption Up to 150% of the insured amount
Medical $100,000 Primary
Emergency Medical Transportation $500,000
Political or Security Evacuation and Natural Disaster Evacuation Up to $50,000
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)
Trip Delay $1,000 after 6 hours / $150 per day
Baggage/Personal Effects $1,000 Primary ($250 per item / $500 combined)
Baggage Delay $300 (after 6 hours)
Change Fee $200
24-hr Accidental Death & Dismemberment $10,000
24-hour Assistance Services Yes
3rd Party Travel Supplier Financial Default 15 Day Wait after purchase
Terrorist Incident coverage in Itinerary City “a Terrorist Incident that occurs during your trip within 30 miles of the city listed on the scheduled itinerary of Your Trip; provided Your Travel Supplier (if applicable) did not offer a substitute itinerary.”
Insurance Underwriter United States Fire Insurance Company (A Rated)
Money Back Guarantee 14 days

Optional Upgrades

Cancel and Interrupt For Any Reason Optional Upgrade for a 52.9% surcharge
Rental Car Damage (Excess) $30,000 for $7 per day you have the car
Cancel for Work Reasons $10
Trip Delay Increase $1,500 for $11 or $2,000 for $15 or $2,500 for $18
Baggage & Personal Effects Increase $1,500 for $2 or $2,000 for $3 or $2,500 for $4
Baggage Delay Increase $500 for $2 or $1,500 for $5 or $2,000 for $6
Increase Evacuation to $1,500,000 & Medical to $500,000 $9
Increase Evacuation to $1,000,000 & Medical to $250,000 $7
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.

Travel Insured’s Cancel for Any Reason:

The Cancel for Any Reason (CFAR) and Interruption for Any Reason (IFAR) coverage increases the Travel Insured FlexiPAX plan’s price by 52.9%. You can only purchase this benefit at the time the FlexiPAX plan is purchased. And, children aren’t free for the CFAR-IFAR. Their price is 3% of their trip cost.

Travel Insured will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited, prepaid non-refundable Payments or Deposits You paid for Your Trip, when You cancel Your Trip prior to departure for any reason not otherwise covered by this policy, provided the following conditions are met:

1) You purchase the Cancel for Any Reason Benefit within the Time Sensitive Period; (within 21 days after the date your Initial Payment or Deposit for your Trip) and
2) You cancel Your Trip no later than 48 hours prior to the Scheduled Departure Date of Your Trip.

This Cancel for Any Reason Benefit does not cover penalties associated with any Travel Arrangements not provided by Retail Travel Supplier or the failure of Retail Travel Supplier to provide the bargained-for Travel Arrangements due to cessation of operations for any reason.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

Travel Insured’s Interruption for Any Reason:

Travel Insured will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, forfeited prepaid non-refundable Payments or Deposits paid for the Travel Arrangements You purchased for Your Trip, if You interrupt Your Trip 72 or more hours after the actual Scheduled Departure Date for any reason not otherwise covered by this policy, provided the following conditions are met:

1. You purchase the Interruption for Any Reason Benefit within the Time Sensitive Period (within 21 days after the date your Initial Payment or Deposit for your Trip).

If the above conditions are met, Travel Insured will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the Additional Transportation Cost to:

a) join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements; or
b) rejoin Your Trip from the point where You interrupted Your Trip to the next scheduled destination; or
c) transport You to Your originally scheduled return or final destination of Your Trip.

This benefit does not cover penalties associated with Travel Arrangements not provided by the Travel Supplier for this Trip and failure of the Travel Supplier to provide the agreed upon arrangements for Your Trip for any reason.

In no event shall the amount reimbursed for Trip Interruption for Any Reason exceed the lesser of the amount You prepaid for Your Trip or the Maximum Benefit Amount shown in the Schedule of Benefits.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

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 the Travel Insured’s secure online order form

Note this important Travel Insured FlexiPAX Plan pricing information:

  • Travel Insured plans will cover up to $25,000 p/p trip cost and $200,000 per policy
  • 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 except for the optional upgrades
  • The daily per person rates for a 31 – 180 day long trip is $11
  • Here’s the Travel Insured FlexiPAX secure online order form



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Cigna Global Private Health Plans to Cover You when Residing Outside Your Home Country at Least 3 Months

In addition, you will be covered for a total of 6 months in your country of Citizenship for each plan year you have Cigna.

Cigna International Medical plans comprise of 3 distinct levels of cover: Silver, Gold and Platinum. They are specifically designed expat health insurance options to meet your needs, as well as to give you the flexibility you desire. Choose your level of cover and All amounts apply per beneficiary and per period of cover (except where otherwise noted).

Click here to get Your Customized Cigna Global Health Plan quote

International Health Insurance is your essential cover for inpatient, day patient and accommodation costs, as well as cover for cancer, psychiatric care and much more. Our Gold and Platinum plans also give you cover for maternity care.

Cigna has worked in international health insurance for more than 30 years. Today, Cigna has 60 million customer relationships around the world. Looking after them is an international workforce of 30,000 people, plus a network of more than 1 million hospitals, physicians, clinics and health and wellness specialists.

Cigna’s full-time, clinical team is led by physicians. They have years of experience in dealing with varied and unique clinical and service situations worldwide. Their vast experience means they provide high standards of healthcare, regardless of where you are in the world.

Cigna’s Global Health Mission

Everything we do is around our mission to help improve your health, wellbeing and sense of security.

Cigna’s customer care promise

  • You can seek help for free any hour of the day or night
  • You can talk to the right person at the right time. Our customer care team will direct your call to one of our healthcare experts
  • You will have instant and easy access to healthcare facilities and professionals around the world.
  • You’ll be reimbursed, wherever possible, within five days of receiving your claim. On the rare occasion you have to pay for your treatment directly
  • You can receive payment in over 135 currencies

Cigna Global Private Health Insurance Plans

Choose your level of cover from the table below. All amounts apply per beneficiary and per period of cover (except where otherwise noted). International Medical Insurance is your essential cover for inpatient, outpatient and accommodation costs, as well as cover for cancer, mental health care and much more. Our Gold and Platinum plans also give you cover for inpatient and daypatient maternity care. Click here to get Your Customized Cigna Global Health Plan quote.
Benefits Silver Gold Platinum
Annual beneft – maximum per beneficiary per period of cover. This includes claims paid across all sections of International Medical Insurance.
  • $1,000,000
  • €800,000
  • £650,000
  • $2,000,000
  • €1,600,000
  • £1,300,000
  • Unlimited
Hospital charges for: Nursing and accomodation for inpatient and daypatient treatment and recovery room Paid in full for semi-private room Paid in full for a private room Paid in full for a private room
Hospital charges for:

  • Operating theatre.
  • Prescribed medicines, drugs and dressings for inpatient or daypatient treatment.
  • Treatment room fees for outpatient surgery.
Paid in Full Paid in Full Paid in Full
Intensive care

  • Intensive therapy.
  • Coronary care.
  • High dependency unit.
Paid in Full Paid in Full Paid in Full
Surgeons’ and anaesthetists’ fees
Where surgery is provided on an inpatient, daypatient or outpatient basis.
Paid in Full Paid in Full Paid in Full
Specialists’ consultation fees
Paid in full for regular visits by a specialist during stays in hospital including intensive care by a specialist for as long as is required by medical necessity.
Paid in Full Paid in Full Paid in Full
Hospital accommodation for a parent or guardian
Up to the maximum amount shown per period of cover.
If a beneficiary who is under the age of 18 years old needs inpatient treatment and has to stay in hospital overnight, we will also pay for hospital accommodation for a parent or legal guardian, if:

  • accommodation is available in the same hospital; and
  • the cost is reasonable.
  • $1,000
  • €740
  • £665
  • $1,000
  • €740
  • £665
Paid in Full
Transplant services for organ, bone marrow and stem cell transplants
We will pay for inpatient treatment directly associated with an organ transplant, for the beneficiary if:

  • the transplant is medically necessary, and the organ to be transplanted has been donated by a member of the beneficiary’s family or comes from a varified or legitimate source.
Paid in Full Paid in Full Paid in Full
Kidney dialysis
Where treatment is provided on an inpatient, daypatient or outpatient basis.
Paid in Full Paid in Full Paid in Full
Pathology, radiology and diagnostic tests (excluding Advanced Medical Imaging)
Where investigations are provided on an inpatient or daypatient basis.
Paid in Full Paid in Full Paid in Full
Advanced Medical Imaging (MRI, CT and PET scans)
Up to the maximum amount shown per period of cover. We will pay for these scans whether received on an inpatient, daypatient or an outpatient basis.
  • $5,000
  • €3,700
  • £3,325
  • $10,000
  • €7,400
  • £6,650
Paid in Full
Physiotherapy and complementary therapies
Up to the maximum amount shown per period of cover. Where treatment is provided on an inpatient or daypatient basis.
  • $2,500
  • €1,850
  • £1,650
  • $5,000
  • €3,700
  • £3,325
Paid in Full
Home nursing
Up to 30 days and the maximum amount shown per period of cover.
  • $2,500
  • €1,850
  • £1,650
  • $5,000
  • €3,700
  • £3,325
Paid in Full
Rehabilitation
Up to 30 days and the maximum amount shown per period of cover.
  • $2,500
  • €1,850
  • £1,650
  • $5,000
  • €3,700
  • £3,325
Paid in Full
Hospice and palliative care
Up to the maximum amount shown per lifetime.
  • $2,500
  • €1,850
  • £1,650
  • $5,000
  • €3,700
  • £3,325
Paid in Full
Internal prosthetic devices/surgical and medical appliances
We will pay for:

  • a prosthetic implant, device or appliance which is inserted during surgery.
Paid in Full Paid in Full Paid in Full
External prosthetic devices/surgical and medical appliances
Up to the maximum amount shown per period of cover. We will pay for:

  • a prosthetic device or appliance which is a necessary part of the treatment immediately following surgery for as long as is required by medical necessity.
  • a prosthetic device or appliance which is medically necessary and is part of the recuperation process on a short-term basis.

For adults, we will pay for one external prosthetic device. For children up to the age of 16, we will pay for the initial prosthetic device and up to two replacement devices.

  • $3,100 (for each prosthetic device)
  • €2,400 (for each prosthetic device)
  • £2,000 (for each prosthetic device)
  • $3,100 (for each prosthetic device)
  • €2,400 (for each prosthetic device)
  • £2,000 (for each prosthetic device)
  • $3,100 (for each prosthetic device)
  • €2,400 (for each prosthetic device)
  • £2,000 (for each prosthetic device)
Local ambulance and air ambulance services
Medically necessary travel by local road ambulance or local air ambulance, such as a helicopter, when related to covered hospitalisation.
Paid in Full Paid in Full Paid in Full
Inpatient cash benefit
Per night up to 30 nights per period of cover. We will make a cash payment to the beneficiary when they:

  • receive treatment in hospital which is covered under this plan;
  • stay in a hospital overnight; and
  • have not been charged for their room, board and treatment costs.
  • $100
  • €75
  • £65
  • $100
  • €75
  • £65
  • $200
  • €150
  • £130
Emergency inpatient dental treatment
Dental treatment in hospital after a serious accident.
Paid in Full Paid in Full Paid in Full
Mental health care
Up to the maximum amount shown per period of cover
Subject to the limits explained below we will pay for:
• the treatment of mental health conditions and disorders; and
• the diagnosis of addictions (including alcoholism);
  • $5,000
  • €3,700
  • £3,325
  • $10,000
  • €7,400
  • £6,650
Paid in Full
Cancer care
› Following a diagnosis of cancer, we will pay for costs for the treatment of cancer if the treatment is considered by us to be active treatment and evidence-based treatment. This includes chemotherapy, radiotherapy, oncology, diagnostic tests and drugs, whether the beneficiary is staying in a hospital overnight or receiving treatment as a daypatient or outpatient.
› We do not pay for genetic cancer screening.
Paid in Full Paid in Full Paid in Full
Routine maternity benefit care
(Gold and Platinum plans only)
Up to the maximum amount shown per period of cover. Available once the mother has been covered by the policy for 12 months or more.
› We will pay for the following parent and baby care and treatment, on an inpatient or daypatient basis as appropriate, if the mother has been a beneficiary under this policy for a continuous period of at least 12 months or more:
• hospital, obstetricians’ and midwives’ fees for routine childbirth; and
• any fees as a result of post-natal care required by the mother immediately following routine childbirth.
› We will not pay for surrogacy or any related treatment. We will not pay for maternity benefit care or treatment for a beneficiary acting as a surrogate or anyone acting as a surrogate for a beneficiary.
Not covered
  • $7,000
  • €5,500
  • £4,500
  • $14,000
  • €11,000
  • £9,000
Complications from maternity
(Gold and Platinum plans only)
Up to the maximum amount shown per period of cover. Available once the mother has been covered by the policy for 12 months or more.
› We will pay for inpatient or outpatient treatment relating to complications resulting from pregnancy or
childbirth if the mother has been a beneficiary under this policy for a continuous period of at least 12 months or more. This is limited to conditions which can only arise as a direct result of pregnancy or childbirth, including miscarriage and ectopic pregnancy.
Not covered
  • $14,000
  • €11,000
  • £9,000
  • $28,000
  • €22,000
  • £18,000
Homebirths
(Gold and Platinum plans only)
Up to the maximum amount shown per period of cover. Available once the mother has been covered by the policy for 12 months or more.
› We will pay midwives’ and specialists’ fees relating to routine home births if the mother has been a beneficiary under this policy for a continuous period of 12months or more.
› Please note that the Complications from maternity cover explained above does not include cover for home childbirth. This means that any costs relating to complications which arise in relation to home childbirth will only be paid in accordance with the home childbirth limits, as explained in the list of benefits.
Not covered
  • $500
  • €370
  • £335
  • $1,100
  • €850
  • £700
Newborn care
Up to the maximum amount shown for treatment within the first 90 days following birth. Available once at least one parent has been covered by the
policy for 12 months or more.
› Provided the newborn is added to the policy, we will pay for:
• up to 10 days routine care for the baby following birth; and
• all treatment required for the baby during the first 90 days after birth instead of any other benefit; if at least one parent has been covered by the policy for a continuous period of 12 months or more prior to the newborn’s birth.
  • $25,000
  • €18,500
  • £16,500
  • $75,000
  • €55,500
  • £48,000
  • $156,000
  • €122,000
  • £100,000
Congenital conditions
Up to the maximum amount shown per period of cover.
› We will pay for treatment of congenital conditions on an inpatient or daypatient basis which manifest
themselves before the beneficiary’s 18th birthday if:
• at least one parent has been covered by the policy for a continuous period of 12 months or more prior
to the newborn’s birth and the newborn is added to the policy within 30 days of the birth.
• they were not evident at policy inception.
  • $5,000
  • €3,700
  • £3,325
  • $20,000
  • €14,800
  • £13,300
  • $39,000
  • €30,500
  • £25,000
Deductible (various)
A deductible is the amount which you must pay before any claims are covered by your plan.
  • $0 / $375 / $750 / $1,500 / $3,000 / $7,500 / $10,000
  • €0 / €275 / €550 / €1,100 / €2,200 / €5,500 / €7,400
  • £0 / £250 / £500 / £1,000 / £2,000 / £5,000 / £6,650
  • $0 / $375 / $750 / $1,500 / $3,000 / $7,500 / $10,000
  • €0 / €275 / €550 / €1,100 / €2,200 / €5,500 / €7,400
  • £0 / £250 / £500 / £1,000 / £2,000 / £5,000 / £6,650
  • $0 / $375 / $750 / $1,500 / $3,000 / $7,500 / $10,000
  • €0 / €275 / €550 / €1,100 / €2,200 / €5,500 / €7,400
  • £0 / £250 / £500 / £1,000 / £2,000 / £5,000 / £6,650
Cost share after deductible and out of pocket maximum
Cost share is the percentage of each claim not covered by your plan.The out of pocket maximum is the maximum amount of cost share you would have to pay in a period of cover.The cost share amount is calculated after the deductible is taken into account. Only amounts you pay related to cost share contribute to the out of pocket maximum.
  • First, choose your cost share percentage: 0% / 10% / 20% / 30%
  • Next, choose your out of pocket maximum:
  • $2,000 or $5,000
  • €1,480 or €3,700
  • £1,330 or £3,325
  • First, choose your cost share percentage: 0% / 10% / 20% / 30%
  • Next, choose your out of pocket maximum:
  • $2,000 or $5,000
  • €1,480 or €3,700
  • £1,330 or £3,325
  • First, choose your cost share percentage: 0% / 10% / 20% / 30%
  • Next, choose your out of pocket maximum:
  • $2,000 or $5,000
  • €1,480 or €3,700
  • £1,330 or £3,325

Add Optional Benefits

Cigna Global Health Options helps you create a health insurance plan that’s perfectly tailored for the needs of you and your family by offering you the reassurance of comprehensive core cover, and the flexibility of additional modules to build a plan which fits your needs.

Click here to get Your Customized Cigna Global Health Plan quote

This is a long page – You get lots of information and prices. The prices on this page are for anyone except MO, NY, PA and WA residents. Click here if you live in NY or PA, here if you live in MO or here if you live in WA.
If you are receiving a full refund or travel credit due to Covid, IMG can change the dates on your policy. Click here to learn what you can do with your IMG iTI policy.
This is important: If you are making any of your payments with a travel credit from a previously 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.
As of Feb 1, 2024 new IMG Trip Cancellation plans cover trips to Israel. CFAR isn’t available and losses due to, arising, or resulting from the conflict in Israel are not covered.

IMG iTravelInsured SE and LX Trip Cancellation Plans

IMG iTI SE and IMG iTI LX have their strengths & quibbles:

Why Buy It? Quibbles
Forefinger bullet point The iTravelInsured SE has $250,000 Primary Emergency Medical & $500,000 Emergency Medical Evacuation and Repatriation Forefinger bullet point The iTravelInsured SE plan’s medical is $20,000 Secondary for MO, WA residents
Forefinger bullet point IMG iTravelInsured SE & LX plans’ maximum trip cost is $150,000 per person for all States except MO, MT, NY, OR, PA and WA Forefinger bullet point IMG iTravelInsured SE & LX plans’ maximum trip cost is $50,000 per person for MO, MT, NY, OR, PA and WA
Forefinger bullet point You have 20 days after your initial trip deposit date to get the iTravelInsured SE plan’s pre-existing condition and the LX plan’s Cancel for Any Reason benefits. Forefinger bullet point You can’t buy a policy for a trip departing more than 2 years from the purchase date
Forefinger bullet point You don’t have to insure your full trip cost to get the pre-existing medical condition coverage.
Forefinger bullet point You have to buy the LX plan at or before the Final Payment for your trip to get the LX plan’s pre-existing condition waiver
Forefinger bullet point The IMG iTravelInsured LX has $500,000 Primary Emergency Medical & $1,000,000 Emergency Medical Evac / Repatriation
Forefinger bullet point You can cancel your trip within 24 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
Forefinger bullet point Advance payment may be made to a Hospital if needed to secure Your admission because of a covered Sickness or Injury which first occurs during the course of the Covered Trip.
Forefinger bullet point IMG iTravelInsured SE & LX plans’ maximum trip length is 180 days
Forefinger bullet point The IMG iTravelInsured plans have a 60 day pre-existing conditions Lookback Period
Forefinger bullet point Cancellation due to Work Reasons coverage is included
Forefinger bullet point The IMG iTravelInsured plans do not exclude stable pre-existing medical conditions of non-traveling family members
IMG is one of the few companies we trust
If you already know you want the IMG iTravelInsured SE plan, click here for IMG iTravelInsured SE’s secure online order form or here for IMG iTravelInsured LX’s secure online order form. You may call us toll free at 1-888-407-3854 to order over the telephone, too.

IMGIMG iTravelInsured covers you for up to $500,000 Primary Emergency Medical (SE is secondary for MO and WA residents), 150% Trip Interruption. 10 day money back Smile of Satisfaction Guarantee.

Download IMG iTravelInsured’s Policy Wording:

IMG iTravelInsured SE
Policy of Insurance
IMG iTravelInsured LX
Policy of Insurance
A brief description is below. For iTravelInsured SE or LX coverage, terms, conditions and exclusions, select the IMG iTravelInsured SE or LX Description of Coverage.

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.

The IMG iTI SE & IMG iTI LX plans cover:

Plan Name IMG iTravelInsured SE IMG iTravelInsured LX
Secure online order link (you don’t pay extra fees using us) Buy the IMG’s iTI SE plan Buy the IMG iTI LX plan
Cancel For Any Reason Not available Available for a 50% surcharge within 20 days of your Initial Trip Deposit Date
Trip Cancellation (per person) Up to the insured amount
Trip Interruption (per person) Up to 150% of the insured amount
Primary Emergency Medical (per person) – IMG can advance payment to a medical facility if needed to secure Your admission $250,000 (SE is secondary for MO and WA residents) $500,000
Emergency Medical Evacuation / Repatriation (per person)
$1,000 Dental Expense sublimit
$500,000 $1,000,000
Non-Medical Emergency Evacuation (per person) No Coverage $50,000
Your deadline to waive the Pre-Existing Condition exclusion Your Initial Trip Deposit Date plus 20 days No later than Final Trip payment
Pre-Existing Condition Lookback Period 60 Days (you or your Traveling Companion)
Travel Baggage (per person) $1,500 $2,500
Travel Baggage Delay (per person) $250 (12 Hours or More) $500 (12 Hours or More)
Travel Delay (per person) $2,000 (after 12 hours) $125 per day $2,500 (after 6 hours) $250 per day
Missed Connection (per person) $500 (more than 6 hours) $500 (more than 3 hours)
Common Carrier AD&D (per person) $25,000 $100,000
$40,000 Rental Car Damage $40,000 Included
24 Hour Emergency Assistance Yes
Travel Supplier Financial Insolvency 14 Day Wait if purchased not more than 20 days after your initial trip deposit date
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 10 days
Secure online order link (you don’t pay extra fees using us) Buy the IMG iTI SE plan Buy the IMG iTI LX plan

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 IMG iTravelInsured LX Plan’s
Cancel For Any Reason Benefit Works:

Forefinger bullet point The IMG iTravelInsured LX may be upgraded with the 75% Cancel and Interrupt For Any Reason coverage for a 50% surcharge if bought not more than 20 days after your initial trip deposit date.

If You cancel Your Trip for any reason not otherwise covered by the IMG iTravelInsured LX policy, IMG will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited, prepaid non-refundable Payments or Deposits Travel Arrangements You purchased for Your Trip, when You cancel Your Trip prior to Scheduled Departure Date for any reason not otherwise covered by this policy, provided the following conditions are met:

  1. You cancel Your Trip no later than two (2) days prior to the Scheduled Departure Date of Your Trip.

You can only purchase this benefit at the time the base policy is purchased and within twenty (20) days of the initial trip deposit.

This Cancel for Any Reason Benefit does not cover the failure of the Travel Supplier to provide the bargained-for Travel Arrangements due to cessation of operations for any reason.

Special Conditions: In the event of a Cancel for Any Reason claim, You must advise the Travel Supplier and Us as soon as possible in the event of a claim or of learning of a potential need to cancel Your Trip prior to Your Scheduled Departure Date, whichever is sooner.

IMG will not pay benefits for any additional penalty charges incurred that would not have been imposed had You notified the Travel Supplier and Us within the specified period.
These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

Here’s How the IMG iTravelInsured LX Plan’s
Interruption for Any Reason Works: Benefit Works:

Forefinger bullet point The IMG iTravelInsured LX may be upgraded with the 75% Cancel and Interrupt For Any Reason coverage for a 50% surcharge if bought not more than 20 days after your initial trip deposit date.

If You cancel Your Trip for any reason not otherwise covered by the IMG iTravelInsured LX policy, IMG will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, forfeited prepaid non-refundable Payments or Deposits paid for the Travel Arrangements You purchased for Your Trip, if You interrupt Your Trip forty-eight (48) or more hours after the actual Scheduled Departure Date for any reason not otherwise covered by this policy, provided the following conditions are met:

  1. You purchase the Interruption for Any Reason Benefit within the Time Sensitive Period; and
  2. You insure the full cost of any subsequent arrangements added to the same Trip within twenty (20) days of the date of Your payments for any subsequent Travel Arrangements.

In no event shall the amount reimbursed for Trip Interruption for Any Reason exceed the lesser of the amount You prepaid for Your Trip or the Maximum Benefit Amount shown in the Schedule of Benefits.

This benefit does not cover the failure of the Travel Supplier to provide the agreed upon arrangements for Your Trip for any reason.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

 

Here are the IMG iTravelInsured SE Plan Prices:

Note this important IMG iTravelInsured SE Plan pricing information:

  • The table contains rates for Trip costs up to $150,000 per person
  • Steve rounded the prices to the nearest integer
  • It’s the same price for a trip of up to 31 days
  • The daily per person rates for a 32 – 180 days’ trip varies by age
  • Here’s the IMG iTravelInsured SE secure online order form

The IMG iTravelInsured SE Plan Prices:

Per Person
Trip Cost
Ages
0-39
Ages
40-49
Ages
50-59
Ages
60-64
Ages
65-69
Ages
70-74
Ages
75-79
Ages
80-99
$1 – 500 $24 $34 $36 $40 $46 $53 $66 $94
$501-1,000 $37 $51 $58 $68 $79 $93 $114 $158
$1,001-1,500 $54 $73 $83 $98 $115 $136 $164 $227
$1,501-2,000 $69 $94 $108 $129 $151 $179 $215 $294
$2,001-2,500 $84 $117 $135 $160 $188 $222 $266 $359
$2,501-3,000 $100 $140 $162 $192 $225 $265 $317 $424
$3,001-3,500 $118 $163 $188 $224 $262 $309 $367 $487
$3,501-4,000 $135 $187 $215 $257 $300 $352 $417 $550
$4,001-4,500 $152 $210 $243 $290 $337 $395 $467 $612
$4,501-5,000 $169 $235 $272 $323 $376 $439 $519 $674
$5,001-5,500 $188 $259 $300 $357 $414 $484 $569 $736
$5,501-6,000 $205 $284 $330 $391 $452 $528 $619 $798
$6,001-6,500 $224 $309 $358 $425 $492 $573 $670 $861
$6,501-7,000 $242 $334 $386 $460 $533 $619 $723 $925
$7,001-7,500 $261 $360 $417 $495 $572 $666 $776 $989
$7,501-8,000 $281 $385 $448 $531 $612 $712 $830 $1,054
$8,001-8,500 $299 $412 $478 $567 $655 $760 $884 $1,122
$8,501-9,000 $319 $439 $509 $603 $698 $809 $941 $1,192
$9,001-9,500 $337 $466 $540 $640 $740 $858 $999 $1,264
$9,501-10,000 $358 $493 $572 $678 $784 $909 $1,058 $1,339
$10,001-10,500 $361 $502 $588 $702 $814 $948 $1,106 $1,405
$10,501-11,000 $380 $528 $621 $740 $859 $1,001 $1,168 $1,486
$11,001-11,500 $401 $556 $653 $779 $906 $1,054 $1,232 $1,570
$11,501-12,000 $419 $584 $687 $820 $953 $1,111 $1,299 $1,658
$12,001-12,500 $439 $612 $720 $861 $1,002 $1,169 $1,368 $1,751
$12,501-13,000 $461 $641 $754 $901 $1,051 $1,228 $1,441 $1,849
$13,001-13,500 $480 $669 $789 $946 $1,103 $1,290 $1,515 $1,951
$13,501-14,000 $500 $700 $824 $990 $1,156 $1,354 $1,593 $2,059
$14,001-14,500 $521 $729 $861 $1,036 $1,210 $1,419 $1,673 $2,172
$14,501-15,000 $543 $759 $898 $1,082 $1,264 $1,487 $1,757 $2,291
Prices for $15,001-$150,000
Multiply the following amounts by your trip cost to get the price:
$15,001-$150,000 .0362 .0506 .0599 .0721 .0843 .0991 .1172 .1528
Per Day Cost for Over 31 days Trip Length:
$2.41 3.50 3.80 4.45 5.35 6.77 9.11 15.56

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 are the IMG iTravelInsured LX Plan Prices:

Note this important IMG iTravelInsured LX Plan pricing information:

  • The table contains rates for Trip costs up to $150,000 per person
  • Steve rounded the prices to the nearest integer
  • It’s the same price for a trip of up to 31 days
  • The daily per person rates for a 32 – 180 days’ trip varies by age
  • Multiply the iTravelInsured LX price by 1.5 to get the 75% Cancel & Interrupt For Any Reason price
  • Here’s the IMG iTravelInsured LX secure online order form

The IMG iTravelInsured LX Prices:

(Add 50% to get the Cancel & Interrupt For Any Reason prices)

Per Person
Trip Cost
Ages
0-39
Ages
40-49
Ages
50-59
Ages
60-64
Ages
65-69
Ages
70-74
Ages
75-79
Ages
80-99
$1 – 500 $33 $41 $45 $54 $59 $70 $86 $126
$501-1,000 $94 $106 $117 $128 $139 $154 $176 $230
$1,001-1,500 $114 $131 $148 $167 $184 $206 $239 $315
$1,501-2,000 $135 $157 $182 $209 $232 $262 $305 $400
$2,001-2,500 $160 $185 $218 $251 $282 $318 $371 $484
$2,501-3,000 $183 $215 $254 $295 $331 $377 $437 $567
$3,001-3,500 $209 $245 $292 $340 $382 $435 $504 $649
$3,501-4,000 $236 $278 $331 $386 $435 $493 $571 $731
$4,001-4,500 $264 $310 $372 $435 $487 $553 $639 $813
$4,501-5,000 $292 $344 $414 $483 $541 $613 $707 $895
$5,001-5,500 $322 $380 $456 $535 $598 $675 $778 $977
$5,501-6,000 $353 $416 $500 $583 $654 $739 $848 $1,061
$6,001-6,500 $386 $455 $547 $637 $712 $802 $920 $1,145
$6,501-7,000 $420 $494 $593 $690 $772 $870 $992 $1,230
$7,001-7,500 $456 $536 $642 $746 $834 $937 $1,068 $1,320
$7,501-8,000 $493 $581 $694 $805 $897 $1,007 $1,145 $1,410
$8,001-8,500 $552 $645 $765 $884 $979 $1,094 $1,239 $1,515
$8,501-9,000 $619 $719 $841 $968 $1,069 $1,189 $1,340 $1,627
$9,001-9,500 $696 $803 $936 $1,062 $1,168 $1,292 $1,448 $1,744
$9,501-10,000 $786 $901 $1,038 $1,168 $1,278 $1,405 $1,566 $1,874
$10,001-10,500 $870 $993 $1,136 $1,271 $1,382 $1,515 $1,680 $1,997
$10,501-11,000 $989 $1,122 $1,267 $1,405 $1,519 $1,653 $1,822 $2,150
$11,001-11,500 $1,130 $1,271 $1,420 $1,559 $1,674 $1,810 $1,981 $2,318
$11,501-12,000 $1,295 $1,447 $1,597 $1,736 $1,852 $1,987 $2,161 $2,503
$12,001-12,500 $1,372 $1,533 $1,690 $1,836 $1,957 $2,100 $2,283 $2,647
$12,501-13,000 $1,450 $1,618 $1,783 $1,937 $2,063 $2,214 $2,409 $2,797
$13,001-13,500 $1,529 $1,706 $1,877 $2,038 $2,172 $2,332 $2,538 $2,953
$13,501-14,000 $1,607 $1,792 $1,973 $2,143 $2,282 $2,452 $2,670 $3,114
$14,001-14,500 $1,686 $1,881 $2,070 $2,247 $2,395 $2,573 $2,808 $3,285
$14,501-15,000 $1,764 $1,969 $2,166 $2,353 $2,508 $2,699 $2,948 $3,461
Prices for $15,001-$150,000
Multiply the following amounts by your trip cost to get the price:
$15,001-$150,000 .1238 .1382 .152 .1651 .176 .1894 .2068 .2429
Per Day Cost for Over 31 days Trip Length:
$4.70 5.96 6.78 7.98 9.42 11.69 15.57 26.27

8 Travel Insurance Hacks You Should Know, According to Experts

Before you set off exploring, ensure you’re protecting your trip the right way.
By Zachary Mack
October 27, 2022

2) Take a photographic note of everything you’ve packed in your checked luggage.
Whether packing is a long, drawn-out, and traumatic process for you or an easy last-minute task you breeze through, you still might not recall everything that makes its way into your bag. That’s why experts say it’s important to remember to do one thing before you zip up and take off. “Before you close your suitcases, take photos of the contents, so you have an accurate list for a claim,” Steve Dasseos from Trip Insurance Store tells Best Life. “It’s nearly impossible to remember what you packed if your suitcase is lost.”

This is a long page – You get lots of information and prices. This plan is for MT, NY, OR and PA residents. Click here if you live in MO, here if you live in WA or here if you live in the other States to see your correct information.
If you are receiving a full refund or travel credit due to Covid, TravelSafe can change the dates on your policy. Click here to learn what you can do with your TravelSafe policy.
This is important: If you are making any of your payments with a travel credit from a previously 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.
As of Oct 9, 2023 new TravelSafe plans won’t cover trips to Israel

TravelSafe’s Trip Cancellation Insurance Plans:
Classic
or Classic with 75% CFAR upgrade

TravelSafe Classic or Classic with 75% CFAR upgrade
have their strengths & quibbles:

Why Buy It? Quibbles
Forefinger bullet point You may upgrade the TravelSafe Classic plan to include 75% Cancel For Any Reason benefit if purchased within 21 calendar days after your initial trip deposit date and you insure your full prepaid trip costs. Forefinger bullet point The TravelSafe Classic with 75% CFAR upgrade is not available to NY residents
Forefinger bullet point You have 21 calendar days after your initial trip deposit date to get a plan to cover Pre-Existing Medical Conditions. You don’t have to insure your full trip cost. Forefinger bullet point The TravelSafe Classic with 75% CFAR upgrade covers a maximum per person trip cost of $40,000
Forefinger bullet point The Classic plan has $100,000 Primary Emergency Medical coverage Forefinger bullet point Baggage coverage excludes telephones, tablets, laptops, PDAs, computer hardware or software
Forefinger bullet point You can get the optional $15 Extended Personal Property Pac to cover $1,000 Cell Phones, Laptops, Tablets & PDAs (a $100 deductible applies) and Sports Equipment Rental
Forefinger bullet point TravelSafe can advance payment to a medical facility if needed to secure Your admission
Forefinger bullet point TravelSafe has a 60 day Lookback Period for pre-existing conditions.
Forefinger bullet point TravelSafe’s maximum trip length is 150 days
Forefinger bullet point $25,000 Non-Medical Emergency Evacuation coverage is included
Forefinger bullet point TravelSafe covers stable pre-existing medical conditions of family members who are not travelling with you
Forefinger bullet point Cancellation due to Work Reasons coverage (revocation of previously approved time off) is included
Forefinger bullet point You can cancel your trip within 24 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 15 days following the effective date of coverage for your plan
Forefinger bullet point You have a 14 day Free Look Period
TravelSafe is one of the few companies we trust
If you already know you want the TravelSafe Classic plan, click here to go to the TravelSafe Classic plan’s secure online order form. You call us toll free at 1-888-407-3854 to order over the telephone, too.

TravelSafeTravelSafe gives you up to $100,000 Primary Emergency Medical, up to $1,000,000 Emergency Medical Evacuation and 150% Trip Interruption. 14 day money back smile of satisfaction guarantee. Available to US residents.

TravelSafe Classic Plan Documents

Classic plan for Montana
TravelSafe Classic plan for New York
CFAR’s not available for NY Residents
Classic plan for Oregon
Classic plan for Pennsylvania
A brief description is below. For complete coverage, terms, conditions and exclusions, select the TravelSafe Classic or CFAR plan Document. You may view or download TravelSafe’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.

The TravelSafe Classic (no CFAR)
or Classic with 75% CFAR upgrade Plans Cover:

Plan Name

TravelSafe Classic or
TravelSafe Classic with 75% CFAR upgrade

Secure online order link (you don’t pay extra fees using us)

Classic or Classic with 75% CFAR upgrade

Cancel For Any Reason on Classic only (except NY residents)
75% of non-refundable trip costs
Who can get this? Any US resident
Trip Cancellation (per person) Up to the insured amount
Trip Interruption (per person) Up to 150% of the insured amount
Primary Emergency Medical (per person) – TravelSafe can advance payment to a medical facility if needed to secure Your admission (this doesn’t mean paying your full bill). $100,000
Emergency Dental Treatment for Accidental Injury (per person) $750
Emergency Medical Evacuation / Repatriation $1,000,000
Your deadline to waive the Pre-Existing Condition exclusion (travelers only) Your Initial Trip Deposit Date plus 21 calendar days
Pre-Existing Condition Lookback Period 60 Days
Travel Baggage (per person) $2,500
Travel Baggage Delay (per person) $250 (12 Hours or more)
Trip Delay (per person) $750 (after 6 hours) $150 per day
Missed Connection (per person) $2,500 (after 3 hours)
24-hr Accidental Death & Dismemberment (per person) $25,000
Damage To Your Rental Car Optional $35,000 CDW ($7 per calendar day)
Up to $500,000 Optional Flight Insurance Upgrade Round bullet point $10 for $100,000
Round bullet point $25 for $250,000
Round bullet point $50 for $500,000
24 Hour Emergency Assistance 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 Terrorist Act which occurs in your departure city or in a city which is a scheduled destination for your Trip provided the Terrorist Act occurs within 30 days of the Scheduled Departure Date for your Trip
$15 per person Extended Personal Property Pac Covers $1,000 Cell Phones, Laptops, Tablets & PDAs (a $100 deductible applies) and Sports Equipment Rental
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) Classic or Classic with 75% CFAR upgrade

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.

Here’s How the TravelSafe Classic with the optional Cancel For Any Reason upgrade Benefit Works:

Forefinger bullet point The TravelSafe Classic upgrade includes 75% Cancel For Any Reason coverage
Forefinger bullet point The TravelSafe Classic upgrade is not available to NY residents

If You cancel Your Trip for any reason not otherwise covered by the TravelSafe Classic Plus policy, you will be reimbursed for 75% of the non-refundable prepaid expenses for Travel Arrangements You paid for Your Trip, provided:

  1. Your payment for this plan is received within 21 days of Your initial deposit/payment for Your Trip; and
  2. You insure 100% of all prepaid Travel Arrangements that are subject to cancellation penalties or restrictions by the Travel Supplier; and
  3. You cancel Your Trip two (2) days or more before Your Scheduled Departure Date; and
  4. Your per person Trip Cost is $40,000 or less.

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 are the TravelSafe Classic plan prices:

Take note of this important TravelSafe Classic plan pricing information:

  • The table contains rates for Trip costs up to $100,000 per person.
  • It’s the same price for a trip of up to 30 days in length.
  • The daily per person rates for a 31 – 150 days’ trip is on the last row of the price table.

Ready to order the TravelSafe Classic plan? You can click here or call Deanna, Kim or Steve toll free at 1-888-407-3854 or 816-282-6858.

The TravelSafe Classic Plan’s Prices:
Per Person Trip Cost To Age 18 with adult Ages 0-34 Ages 35-55 Ages 56-64 Ages 65-72 Ages 73-79 Ages 80+
$0 $24 $54 $62 $74 $112 $177 $194
$1 – $500 $24 $49 $54 $65 $98 $155 $170
$501 – $1,000 $24 $60 $66 $76 $105 $162 $217
$1,001 – $1,500 $24 $74 $87 $101 $141 $251 $290
$1,501 – $2,000 $24 $103 $116 $133 $189 $337 $397
$2,001 – $2,500 $24 $130 $156 $175 $236 $422 $502
$2,501 – $3,000 $24 $147 $179 $220 $291 $511 $608
$3,001 – $3,500 $24 $169 $217 $294 $359 $596 $712
$3,501 – $4,000 $24 $202 $251 $358 $414 $683 $817
$4,001 – $4,500 $24 $234 $282 $407 $469 $771 $923
$4,501 – $5,000 $24 $265 $314 $469 $543 $858 $1,031
$5,001 – $5,500 $24 $311 $348 $517 $705 $943 $1,149
$5,501 – $6,000 $24 $330 $380 $567 $778 $1,031 $1,240
$6,001 – $6,500 $24 $362 $412 $616 $839 $1,118 $1,348
$6,501 – $7,000 $24 $395 $446 $664 $925 $1,205 $1,454
$7,001 – $7,500 $24 $429 $482 $713 $993 $1,291 $1,559
$7,501 – $8,000 $24 $460 $512 $760 $1,062 $1,380 $1,665
$8,001 – $8,500 $24 $494 $550 $811 $1,132 $1,466 $1,770
$8,501 – $9,000 $24 $524 $575 $859 $1,198 $1,553 $1,875
$9,001 – $9,500 $24 $558 $607 $908 $1,268 $1,638 $1,981
$9,501 – $10,000 $24 $590 $638 $959 $1,333 $1,728 $2,086
$10,001 – $11,000 $24 $710 $911 $1,212 $1,590 $1,943 $2,539
$11,001 – $12,000 $24 $782 $998 $1,328 $1,741 $2,126 $2,781
$12,001 – $13,000 $24 $854 $1,084 $1,442 $1,892 $2,312 $3,022
$13,001 – $14,000 $24 $925 $1,169 $1,557 $2,042 $2,496 $3,264
$14,001 – $15,000 $24 $998 $1,256 $1,672 $2,193 $2,680 $3,505
$15,001 – $16,000 $25 $1,035 $1,331 $1,726 $2,268 $2,761 N/A
$16,001 – $17,000 $25 $1,103 $1,418 $1,838 $2,416 $2,941 N/A
$17,001 – $18,000 $25 $1,170 $1,505 $1,950 $2,563 $3,121 N/A
$18,001 – $19,000 $25 $1,238 $1,591 $2,063 $2,711 $3,301 N/A
$19,001 – $20,000 $25 $1,305 $1,678 $2,175 $2,859 $3,480 N/A
$20,001 – $25,000 $25 $1,467 $1,886 $2,445 $3,214 $3,912 N/A
$25,001 – $30,000 $25 $1,804 $2,320 $3,007 $3,952 $4,812 N/A
$30,001 – $35,000 $25 $2,142 $2,753 $3,569 $4,691 $5,711 N/A
$35,001 – $40,000 $25 $2,479 $3,187 $4,131 $5,430 $6,610 N/A
$40,001 – $45,000 $25 $2,816 $3,621 $4,693 $6,169 $7,510 N/A
$45,001 – $50,000 $25 $3,153 $4,054 $5,256 $6,907 $8,409 N/A
$50,001 – $60,000 $25 $3,609 $4,640 $6,014 $7,905 $9,623 N/A
$60,001 – $70,000 $25 $4,283 $5,507 $7,139 $9,382 $11,422 N/A
$70,001 – $80,000 $25 $4,958 $6,374 $8,263 $10,860 $13,220 N/A
$80,001 – $90,000 $25 $5,632 $7,241 $9,387 $12,337 $15,019 N/A
$90,001 – $100,000 $25 $6,307 $8,109 $10,511 $13,815 $16,818 N/A
Per Day Cost for Over 36 days Trip Length
N/A $6.35 $6.35 $6.35 $8.90 $11.44 $13.98 $16.52

Click here to go to the TravelSafe secure online order form.

The TravelSafe Classic with 75% CFAR upgrade plan prices:

Take note of this important TravelSafe Classic with 75% CFAR upgrade plan pricing information:

  • The table contains rates for Trip costs up to $40,000 per person
  • It’s the same price for a trip of up to 30 days in length.
  • The daily per person rates for a 31 – 150 days’ trip is on the last row of the price table.

Ready to order the TravelSafe Classic plan? You can click here or call Deanna, Kim or Steve toll free at 1-888-407-3854 or 816-282-6858.

Click here to go to the TravelSafe secure online order form

The TravelSafe Classic plan’s 75% CFAR upgrade Prices:
Per Person Trip Cost To Age 18 with adult Ages 0-34 Ages 35-55 Ages 56-64 Ages 65-72 Ages 73-79 Ages 80+
$1 – $500 $62 $87 $93 $111 $159 $252 $279
$501 – $1,000 $72 $108 $114 $132 $171 $265 $354
$1,001 – $1,500 $86 $135 $151 $174 $230 $409 $475
$1,501 – $2,000 $111 $190 $201 $231 $309 $553 $650
$2,001 – $2,500 $137 $243 $273 $304 $386 $694 $825
$2,501 – $3,000 $152 $274 $313 $385 $476 $840 $999
$3,001 – $3,500 $171 $315 $380 $515 $592 $981 $1,173
$3,501 – $4,000 $199 $377 $440 $631 $681 $1,124 $1,347
$4,001 – $4,500 $227 $436 $496 $716 $771 $1,271 $1,520
$4,501 – $5,000 $256 $496 $552 $826 $893 $1,413 $1,699
$5,001 – $5,500 $294 $580 $613 $912 $1,161 $1,554 $1,893
$5,501 – $6,000 $314 $620 $668 $999 $1,281 $1,698 $2,045
$6,001 – $6,500 $342 $680 $725 $1,085 $1,382 $1,843 $2,223
$6,501 – $7,000 $370 $740 $785 $1,172 $1,525 $1,985 $2,397
$7,001 – $7,500 $400 $804 $848 $1,258 $1,638 $2,129 $2,571
$7,501 – $8,000 $429 $864 $903 $1,341 $1,750 $2,274 $2,745
$8,001 – $8,500 $459 $929 $969 $1,431 $1,863 $2,418 $2,919
$8,501 – $9,000 $485 $984 $1,014 $1,517 $1,974 $2,559 $3,092
$9,001 – $9,500 $515 $1,049 $1,069 $1,604 $2,089 $2,701 $3,267
$9,501 – $10,000 $543 $1,108 $1,126 $1,694 $2,196 $2,848 $3,442
$10,001 – $11,000 $650 $1,336 $1,608 $2,142 $2,622 $3,203 $4,187
$11,001 – $12,000 $714 $1,471 $1,761 $2,346 $2,871 $3,506 $4,586
$12,001 – $13,000 $777 $1,607 $1,914 $2,548 $3,120 $3,811 $4,984
$13,001 – $14,000 $842 $1,743 $2,065 $2,750 $3,368 $4,117 $5,384
$14,001 – $15,000 $906 $1,879 $2,219 $2,956 $3,617 $4,421 $5,782
$15,001 – $16,000 $955 $1,965 $2,368 $3,070 $3,761 $4,578 N/A
$16,001 – $17,000 $1,014 $2,092 $2,521 $3,268 $4,003 $4,874 N/A
$17,001 – $18,000 $1,073 $2,219 $2,674 $3,466 $4,246 $5,169 N/A
$18,001 – $19,000 $1,132 $2,346 $2,827 $3,664 $4,489 $5,465 N/A
$19,001 – $20,000 $1,192 $2,472 $2,979 $3,862 $4,732 $5,761 N/A
$20,001 – $25,000 $1,417 $2,859 $3,439 $4,457 $5,448 $6,632 N/A
$25,001 – $30,000 $1,713 $3,493 $4,203 $5,447 $6,662 $8,110 N/A
$30,001 – $35,000 $2,009 $4,126 $4,966 $6,437 $7,876 $9,588 N/A
$35,001 – $40,000 $2,305 $4,760 $5,730 $7,427 $9,090 $11,066 N/A
Per Day Cost for Over 36 days Trip Length
$7.54 $7.54 $7.54 $10.56 $13.57 $19.61 $19.61


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This is a long page – You get lots of information. This WTP plan is for NY and PA residents. Click here if you live in HI, here if you live in IN, here if you live in MO, here if you live in VA, here if you live in WA. Here’s the new FlexiPAX plan.
If your Travel hasn’t and will not take place due to Covid, Travel Insured can change the dates on your policy. Click here to learn what you can do with your Travel Insured policy.
This is important: If you are making any of your payments with a travel credit from a previously 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 doesn’t cover trips that include destinations of Russia and/or Belarus
As of Oct 9, 2023 new Travel Insured plans won’t cover trips to Israel

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
Round bullet point Travel Insured’s Worldwide Trip Protector plan (WTP) has $100,000 Secondary Medical coverage. You can change Medical & Baggage to Primary for $25 a person. Round bullet point 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.
Round bullet point Travel Insured’s Worldwide Trip Protector Plus plan has $100,000 Primary Medical coverage Round bullet point You must insure 100% of all prepaid and non-refundable trip costs to get pre-existing medical condition coverage
Round bullet point 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. Round bullet point Business owners, partners, temporary or self-employed persons are not covered under the Cancel for Work Reasons
Round bullet point 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. Round bullet point The Cancel for Any Reason on the Plus plan requires you to cancel Your Trip 48 hours or more before Your Scheduled Departure Date
Round bullet point Utah, Ohio and Connecticut residents have Primary medical coverage
Round bullet point 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
Round bullet point 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.
Round bullet point Both the Travel Insured’s Worldwide Trip Protector & Plus plans include “Hospital of Your choice” emergency transportation if medically necessary
Round bullet point Travel Insured can advance payment to a medical facility if needed to secure Your admission
Round bullet point The pre-existing medical conditions Lookback Period is 60 days
Round bullet point You have a 14 day Free Look Period
Round bullet point You get a 150% trip interruption benefit
Round bullet point Travel Insured’s maximum trip length is 180 days
Round bullet point Cancellation due to Work Reasons coverage (revocation of previously approved time off) is included
Round bullet point Travel to Cuba is covered if you are going for an allowed reason
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 InsuredTravel 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 Worldwide Trip Protector Plus plan’s Certificate
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
You can change Medical & Baggage to Primary for $25 a person. If your trip’s longer than 90 days you have 90 days of coverage for Sickness.
$100,000 Primary
If your trip is longer than 90 days you have 90 days of coverage for Sickness
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 Round bullet point $8 for $100,000
Round bullet point $18 for $250,000
Round bullet point $39 for $500,000
Round bullet point $50 for $1,000,000
$35 per person Optional Increase Benefit Limit Upgrade Round bullet point Additional Travel Delay ($2,000 total)
Round bullet point Additional Missed Connection ($1,000 total)
Round bullet point Additional Baggage/Personal Effects ($2,000 total)
Round bullet point 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:

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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