| This FlexiPax page has lots of information for Hawaii residents. Click here for Indiana, here for Missouri, here for Virginia or here for the other States. |
| This is important: If you are paying any part of your trip with a travel credit from a cancelled trip, your Initial Trip Deposit Date is the date you first paid money on the cancelled trip that created the travel credit. Not the date you used the credit. |
| Travel Insured plans will not cover trips to Afghanistan, Belarus, Haiti, Iran, Iraq, Libya, Myanmar, N. Korea, Palestine, Russia, S. Sudan, Sudan, Syria, Ukraine, Venezuela, Yemen. Israel’s covered, but without CFAR. |
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: |
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| Why Buy It? | Quibbles |
 Travel Insured’s FlexiPax plan has $100,000 Primary Medical coverage. These limits may be increased for $7 or $9 per person. |
Travel Insured plans cover up to a $100,000 per person trip cost and $250,000 per policy for Trip Cancellation. |
| You have to buy the FlexiPax plan within 21 calendar days after your initial trip deposit date to get the pre-existing medical condition coverage, the CFAR-IFAR upgrade and the Cancel For Work reasons upgrade. |
Children aren’t free for the optional upgrades. Their CFAR-IFAR price is 3% of their trip cost. |
| 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). |
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. |
| You don’t have to insure 100% of all prepaid and non-refundable trip costs to have pre-existing medical condition coverage. |
The maximum insurable trip length for a resident of Hawaii is 30 days. |
| The pre-existing medical conditions Lookback Period is 60 days and also applies to non-traveling family members |
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| “Hospital of Your choice” emergency transportation if medically necessary is included |
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| Travel Insured will advance payment to a medical facility if needed to secure Your admission |
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| You have a 14 day Free Look Period |
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| FlexiPax’s maximum trip length is 30 days |
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| 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. |
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| $50,000 Political or Security Evacuation and Natural Disaster Evacuation is included. |
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| 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 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?
The Hawaii Certificate of Coverage |
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:
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| 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 |
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| 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 $2,500 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 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 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 covers up to a $100,000 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
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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