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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



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

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

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

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

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