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Policy Changes

If you are changing your travel plans due to Covid, Travel Supplier changes or other events and you’re not losing any money nor incurring penalties, scroll down this long page to see what you can do with your trip insurance policy. Deanna, Kim and Steve are happy to help you. If we don’t answer the phone, we’ll get back to you as soon as possible (we have caller ID) whether you leave a message or not. Or, contact us here.

As a policyholder you have every right to file a claim. When you ask us if your claim will be covered, we tell you to the best of our knowledge. We cannot predetermine claims. However, the only way you can be sure if your claim will be paid or not is after you file your claim. The insurance policy’s wording has the final say.

Here are the kinds of questions the Insurance company typically asks customers when they request a date transfer or a premium refund. You will be responsible for furnishing all your supporting documentation from your travel suppliers and travel agents:

  • Did you incur any penalties from the cancellation of the original trip? This applies to all your travel suppliers including any that you booked independently.
  • Did you get any Future Travel Credits from your cancelled trip?
  • Do you have any pending claims for the original travel dates?
  • What are your new travel dates (if known)?
  • What is your new travel destination (if known)?
  • Is there a new trip cost, or will it remain the same as listed for your original trip (if known)?

Travel Insured
Here’s Travel Insured’s Dedicated Coronavirus Page:
https://www.travelinsured.com/coronavirus/
You may email Travel Insured at customercare@travelinsured.com
If your travel plans have been impacted, Travel Insured will offer you a voucher for a future trip, provided you meet the eligibility requirements below. If you know your new dates of travel, we will update your protection plan to reflect the new dates. If you do not know your new travel dates yet, we will note your current protection plan and email you a voucher for future use. Voucher eligibility:

  • Travel has not and will not take place.
  • You were fully refunded for the cancelled trip
  • A claim hasn’t already been filed against the plan.

The voucher will list an expiration date, based on the original date of purchase. The new trip will need to depart by this date.

Important: The voucher’s value cannot be used to pay for a premium on a policy that is already in force. Nor can you use the voucher’s value to buy a different policy than the one the voucher is associated with.

  • Here’s the link to Travel Insured’s Voucher Request Form: https://www.travelinsured.com/vouchers/
  • When you know your new dates of travel, we will update your protection plan to reflect new dates.
    – If your original purchase date is June 28th 2021 or earlier, your new trip must depart no later than 12/31/2023.
    – If your original purchase date is June 29th 2021 or later, your new trip must depart no later than 3 years from your original application date. Please note: this does not apply to plans that have existing vouchers on them or have been noted for future travel prior to 12/1/2021.
  • If a voucher was issued prior to 10/1/2020 then the expiration date would be as listed on the voucher details which would be 3 years from the original plan purchase date. The Voucher for your future use will be provided in an email format.
  • Even though Travel Insured calls this a “Voucher”, what you actually have is the same policy that you would re-use for a future trip.
  • If your new trip’s cost is higher, you would increase the coverage and pay the difference in price. If your new trip’s cost is lower, you would decrease the coverage and receive the difference in price as a refund.
  • We’re happy to help you make your changes. Let us know if you make any changes so we can keep your information up to date.

Click here to start a Travel Insured claim

=============

TravelSafe
As of Sept 6, 2023: TravelSafe will change the dates on your policy to a new trip if:

  • You have no penalties on the original trip and
  • We must be notified prior to your policy’s current departure date and
  • Your request must include proof that your trip cost was 100% refunded in cash or that 100% of what you paid has already been transferred to your new trip. This means we need the cancellation invoices and the new invoice showing the accounting of your money and
  • The new trip must start within 2 years of the plan’s purchase date.

If you choose to transfer your policy to another trip, you will be able to increase your insured trip cost if needed in the future.

Email edits@travelsafe.com or Click here to start a TravelSafe claim

=============

Travel Guard
Here’s Travel Guard’s Dedicated Coronavirus Page:
https://www.travelguard.com/o/coronavirus-resource-center/
Here’s Travel Guard’s Voucher and Refund Form:
https://www.travelguard.com/o/coronavirus-resource-center/voucher-and-refund-form
Please note the following for voucher requests:

  • The client must inform AIG Travel Guard of the trip cancellation prior to the departure date. It is imperative the insured make the voucher request prior to, and not after, the departure date. We cannot issue a voucher after the departure date.
  • The client must complete and submit the voucher request form under the following conditions:
    • You request a voucher prior to your trip departure date,
    • You confirm that you have not incurred any travel supplier fees, penalties, or unused, non-refundable, pre-paid trip costs, and
    • You have not filed a claim.
  • If the above requirements are met, our administration team will issue the client a voucher for the value of the premium. The voucher must be applied within two years from the voucher issuance date.
  • The voucher is not transferable and can only be used by the client it was issued to.
  • If the client does not apply the voucher to another AIG Travel insurance policy in the two-year period, the voucher cannot be extended.
  • If the new policy premium is more than the voucher amount, the client is responsible for any additional premium. If the new policy premium is less than the voucher value, no refund or future voucher will be given for the difference.
  • Select Refund if your policy was purchased within the last 15 days.
  • Select Vouchers if your policy was purchased over 15 days ago.
  • We’re happy to help you make your changes. Let us know if you make any changes so we can keep your information up to date.

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

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

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

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

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