Trip Cancellation Travel Insurance Plans Frequently Asked Questions (FAQs)
|Do you need this disclaimer? If so, TripInsuranceStore.com may not be for you: “No products are exactly alike. Refer to each plan’s details for the specifics.”|
- How much does Travel Insurance cost?
- What does Travel Insurance cover?
- What doesn’t Travel Insurance cover?
- What is the latest date I can purchase travel insurance?
- If I buy my insurance now, will the plane tickets that I purchase later for those parts of the trip be covered?
- If I arrange part or all of my trip through a travel agent, does the “supplier default” coverage cover us if the travel agent goes broke or doesn’t deliver the purchased tickets?
- Can I get Travel Insurance even if I don’t have a travel agent?
- What is a Pre-Existing Condition?
- When covering a pre-existing medical condition, do I need to buy enough insurance to cover all my prepaid trip arrangements? Is there a deadline?
- What do you mean by the Lookback Period?
- What date do I use for my initial trip deposit date?
- What do I use for my travel dates?
- What kinds of trips does Travel Insurance cover?
- Where do I have to live to be able to buy one of these plans?
- What should I do if I get sick or hurt?
- Who’s considered your family member or a traveling companion?
- Do all of us have to purchase Travel Insurance?
- What is Terrorism?
- Does my credit card, homeowner’s or my regular medical insurance policy cover for me while I’m traveling?
- What do I get with the 24-Hour Emergency Hotline Services?
- How do medical evacuation / transportation and medical repatriation differ?
- What does Travel Delay cover?
- Can I change my travel dates if my trip changes?
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Q. How much does Travel Insurance cost?
A. Travel insurance tends to be 5% – 10% of your trip’s prepaid non-refundable cost. Click here to compare up to 10 different plans (with prices) in an easy to read side-by-side travel insurance comparison.
Q. What does Travel Insurance cover?
A. Travel Insurance covers you for Listed unforeseen events like:
- You, your companion or a family member has a medical emergency or dies
- You need emergency transportation / evacuation
- You’re laid off from your job of at least 1 years’ employment
- Your travel supplier unexpectedly ceases operation
- Bad weather
- Lost, stolen or damaged luggage
- A city you’re visiting has a terrorist incident
- Cruise ship sicknesses
- A plane crash
Note: Some benefits (not medical) will only pay once on your trip. For example, if your trip’s delayed twice, you’ll only get reimbursed once.
Q. What doesn’t Travel Insurance cover?
A. Here are some of the things Travel Insurance usually does not cover you for:
- War or Civil Unrest (whether declared or undeclared)
- Contractual obligations
- You self-destruct your finances and can’t afford to travel
- You change your mind and don’t want to go
- You have to go to court for any number of reasons other than serving on the jury
- Mental, psychological or nervous disorders including fear, anxiety, depression, neurosis or psychosis.
|There’s one exception to the typical exclusions: You can get policies that let you cancel your trip for any reason including changing your mind. Click here to see the details|
Q. What is the latest date I can purchase travel insurance?
A. It’s not too late to get trip insurance if you are still at home and haven’t left on your trip.
You can get travel insurance up until the day before you travel for MH Ross, Travel Guard, Travel Insured and TravelSafe or the until your day of departure for CSA and Travelex. You should get you get your travel insurance as soon as possible to maximize your benefits. If you wait to get it, you run the risk that something will happen before the policy takes effect. It’s too late to get it if the cement truck has already hit you.
Q. If I buy my insurance now, will the plane tickets that I purchase later for those parts of the trip be covered?
A. Yes, you can cover your plane tickets you purchase later. You can either estimate your total trip cost now and insure that much or cover your known costs today and increase the insurance later (when you incur higher trip costs).
If you want / need coverage for pre-existing medical conditions:
Most plans require you to cover your full prepaid non-refundable trip cost. It’s unlikely you’ll know today what this trip cost is, so you’re best option is to guess high on the cost and then, later when you find out exactly what the cost is, you can lower your insurance coverage. If you end up going to a lower trip cost bracket, you’ll get a partial refund of the insurance premium.
Q. If I arrange part or all of my trip through a travel agent, does the “supplier default” coverage cover us if the travel agent goes broke or doesn’t deliver the purchased tickets?
A. No, the suppliers are the tour operator, cruise line or airline. Travel agents should be bonded to protect their customers if they have financial problems.
Q. Can I get Travel Insurance even if I don’t have a travel agent?
A. Yes, you can get Travel Insurance even if you’re an independent traveler making all your own travel arrangements.
Q. What is a Pre-Existing Medical Condition?
A. Any injury, illness, sickness or medical condition of an Insured or Family Member which either manifests itself or exists during the 60, 90, 180 or 365 days immediately preceding the day you buy Travel Insurance, unless the condition is controlled through the taking of prescription drugs or medication and remains controlled throughout the 60, 90, 180 or 365 day period. A pre-existing condition has manifested itself when medical care, treatment or diagnosis has been given. Any adjustment of a prescription causes that condition to be defined as a Pre-Existing Medical Condition, too.
Q. When covering a pre-existing medical condition, do I need to buy enough insurance to cover all my prepaid trip arrangements? Is there a deadline?
- Purchase enough insurance to cover the cost all of your prepaid non-refundable trip arrangements, and
- Buy the insurance before the deadline, and
- Cover the length of your trip (the date you leave through the date you return home) and
- Be medically able to travel
Your Deadline To Waive The Pre-Existing Medical Condition Exclusion:
|Provider & Plan Details||The Pre-existing Conditions Waiver Deadline|
|CSA Freestyle||Prior to or within 24 Hours of your final trip payment date|
|CSA Freestyle Luxe||Prior to or within 24 Hours of your final trip payment date|
|MH Ross||15 calendar days after your initial trip deposit|
|Travelex Travel Select||21 calendar days after your initial trip deposit|
|Travelex Travel Max||30 calendar days after your initial trip deposit|
|Travel Guard||14 calendar days after your initial trip deposit|
|Travel Insured WTP||20 calendar days after your initial trip deposit|
|Travel Insured Plus||20 calendar days after your initial trip deposit|
|TravelSafe||21 calendar days after your initial trip deposit|
|Note: this is annoying and ugly to get your attention: Are you past all the Pre-existing Conditions deadlines, don’t live in Indiana, Kansas, Montana, New Hampshire, New York, Puerto Rico or Washington and you absolutely need a Pre-existing Conditions Exclusion Waiver? If so, you may qualify for another plan. The reason you can’t easily find it on TripInsuranceStore.com is because its pricing is so complicated. Therefore, I (Steve) built a completely different website for this plan. Note: the price may be higher, but, then again, it’s probably your only choice. This plan’s deadline is the date you pay the last prepaid expense you pay before you depart on your trip. With this plan, the pre-existing medical conditions exclusion waiver may be available if plan is purchased not later than 20 days after initial trip payment or up until final trip payment depending on your state of residence. Get the details.|
Q. What do you mean by the Lookback Period?
A. A period of 60 to 365 days prior to the day you buy Travel Insurance. The Lookback Period defines what is and what isn’t a pre-existing medical condition. All travel insurance plans have a Lookback Period.
Q. What date do I use for my initial trip deposit date?
A. Count the earliest day you paid any money, arranged for frequent flyer tickets or gave your credit card number. Learn more
Q. What do I use for my travel dates?
A. Day #1 is the day you leave your home. The last day is the day you return home. You have to cover the entire time you’re away from home.
Q. What kinds of trips does Travel Insurance cover?
A. Any pleasure or business trip can be covered as long as it takes you away and has fixed travel dates.
Q. Where do I have to live to be able to buy one of these plans?
- CSA Freestyle and Luxe: You have to be a US resident
- MH Ross: You have to be a US resident or citizen.
- Travelex Select: You have to be a US resident or citizen.
- Travelex Max: You have to be a US resident or citizen.
- Travel Guard: You have to be a US resident
- Travel Insured: You have to be a US resident
- TravelSafe: You have to be a US resident or citizen.
- TravelSafe Canada: You have to be a Canadian resident (except Quebec)
Q. What should I do if I get sick or hurt?
- Make sure you seek medical help. In order to have your claim covered, you have to seek the initial medical treatment on your trip. If you, a family member or a traveling companion gets sick, hurt or dies, you have to have it corroborated by a physician. If your physician’s a family member, make sure you go see a physician who isn’t a part of your family.
- Call the insurance company collect (from anywhere in the world). You need to find out what else you should do right away. This is especially important because if you need emergency transportation, the insurance company has to arrange it for you. More
- Save all your paperwork, receipts and documentation
Q. Who’s considered your family member or a traveling companion?
A. Family Member usually means your spouse, child, spouse’s child, daughter-in-law, son-in-law, brother, sister, mother, father, grandparents, grandchild, step-brother, step-sister, step-parents, parents-in-law, brother-in-law, sister-in-law, aunt, uncle, niece, nephew, guardian, ward, significant other.
Be sure to check each insurance company’s exact definition of a Family Member. A good rule of thumb is: “Family members are related by blood or marriage“.
On the other hand, Traveling Companions are “related” by their accommodations and itineraries. More
Q. Do all of us have to purchase Travel Insurance?
A. No. The policy premium is based on the per person trip cost. You are covered by your own policy. Not everyone traveling together needs to take a policy. Nor does everyone have to use the same travel insurance plan.
Q. What’s a terrorism incident?
A. Terrorist Incident means an act of violence, other than civil disorder or riot (that is not an act of war, declared or undeclared), that results in loss of life or major damage to property, by any person acting on behalf of or in connection with any organization which is generally recognized as having the intent to overthrow or influence the control of any government. Learn More
Q. Does my credit card, homeowner’s or my regular medical insurance policy cover for me while I’m traveling?
A. You should always check these policies before you travel, because:
- Medicare doesn’t provide coverage for those traveling outside the United States. This restriction applies to passengers on board cruise ships that are registered in a foreign country (almost all cruise ships have foreign registry).
- Your credit cards may cover you in some areas. Make sure you find out exactly what they cover.
- It’s a good idea to have your camera, jewelery, sports equipment or any valuable personal possessions specially scheduled on your homeowner’s policy. Travel Insurance limits what you can claim for certain personal belongings.
- Many health insurance plans do not guarantee payment directly to foreign hospitals, may have a deductible nor cover the cost of emergency medical transportation. Deductibles or co-payments frequently apply outside most plan service areas.
Q. What do I get with the 24-Hour Emergency Hotline Services?
A. Travel Insurance plans give you assistance services including the use of a 24-Hour Emergency Hotline, which you can call collect from anywhere in the world. Here are those phone numbers.
Note: In some countries it may not be possible to call collect. If you must phone the hotline directly, give them your location and phone number so they can call you back.
Q. How do medical evacuation / transportation and repatriation differ?
A. Medical evacuation / transportation is defined as you being transported to the nearest appropriate medical facility as a result of the insurance company’s Consulting Physician and the local attending Physician’s determination that adequate treatment is not available locally. If you want your doctor consulted make sure you give his / her contact information to the insurance company.
Repatriation means returning the body home in the event the insured dies on their trip. In other words, you fly home in the lower part of the plane.
Q. What does Trip Delay cover?
A. Trip Delay provides benefits to help you defray the cost of additional accommodations and traveling expenses that you might incur if your trip is delayed for a covered reason.
Trip delay benefits are shown as a dollar amount, but the benefits are paid as a daily maximum. Learn More
Trip Delay covered reasons may include:
- You being delayed by a traffic accident while en route to a departure
- Unannounced strikes
- Natural disaster
Q. Can I change my travel dates if my trip changes?
A. Yes, you can change your travel dates if your trip changes. If you are past the free look period, you cannot get a refund on the travel insurance policy because you choose not to take your original trip.
In addition, some companies will not allow you to change your dates if you incur a financial loss. This can be tricky because some travel agents charge fees, airlines will and also some cruise lines do, too.
Here are your options:
- If you want to lower your insured trip cost, because your trip cost was lower than you expected, you have to contact the insurance company directly yourself. Your travel insurance plan is a legal contract and, as such, the insurance company needs to receive the changes from you. In addition, your credit card will be credited the refunded amount and we don’t save your credit card information.
- If you want to change your travel insurance policy’s travel dates you also have to contact the insurance company directly yourself. The reason is the same: your travel insurance plan is a legal contract and, as such, the insurance company needs to receive the changes from you.
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