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Travel Insured’s Trip Cancellation
Travel Insurance Plans

This is a long page – You get lots of information and prices. The prices on this page are for anyone except FL, KS, MO, VA or WA residents. Click here if you live in Florida, here if you live in KS, MO or VA or here if you live in WA.
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), Travel Insured paid ($16,300 check came today May 9, 2014) for EVERYTHING (except a local cab we took to a restaurant and a few cash gratuities we didn’t have receipts for totaling about $100), including reimbursing us for 4 of the 7 lost days on the ship. What could have been a total disaster ended up becoming a very nice trip for my family (other than the crazy travel day getting there after the snowstorm).

I can’t thank you enough for the phenomenal information and advice on your web site and on the phone. Understanding the fine print in advance made all the difference in the world for our claim. We will be lifetime customers and we recommend you to everyone that we know! Click here to read Jon’s entire letter with all the details.

Click here if you are looking for the Travel Insured Lite plan

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 changed the deadline for Pre-existing, Financial Default and Cancel for Any Reason from within 21 days after initial trip deposit date to within 20 days
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 The Travel Insured’s Worldwide Trip Protector Plus plan includes 75% Cancel and Interruption for Any Reason if purchased within 20 calendar days after your initial trip deposit date Round bullet point Travel Insured’s maximum insurable trip cost is $25,000 per person
Round bullet point You have to buy a Travel Insured WTP plan within 20 calendar days after your initial trip deposit date to get pre-existing condition coverage, Default and the Cancel for Any Reason (Plus only) 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 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 The maximum trip cost you can cover is $25,000 per person and $50,000 per policy
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. Both plans include Political and Natural Disaster Evacuation coverage to evacuate You home or to the nearest place of safety and then home, there is a $300,000 CSL.

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, Becky, 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
:

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
Money Back Guarantee 14 days
Trip Cancellation (per person) Up to the insured amount
Trip Interruption (per person) Up to 150% of the insured amount
Medical (per person) – Travel Insured can advance payment to a medical facility if needed to secure Your admission (this doesn’t mean paying your full bill). $750 dental sublimit $100,000 Secondary
You can change Medical & Baggage to Primary for $25 a person. If your trip is 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 (per person) $1,000,000
Dental Treatment for Accidental Injury (per person) $750
Your deadline to waive the Pre-Existing Medical Condition exclusion Your Initial Trip Deposit Date plus 20 calendar days
Pre-Existing Medical Condition Lookback Period 60 Days (travelers, co-travelers & family members)
Baggage/Personal Effects (per person) $1,000 Secondary ($250 per / $500 combined) $1,000 Primary ($250 per / $500 combined)
Baggage Delay (per person) $300 (after 12 hours)
Trip Delay (per person) $1,000 after 6 hours / $200 per day
Missed Connection (per person) $500 after 3 hours en route to cruise or tour
Itinerary Change (per person) $500
Change Fee (per person) $250
Reimbursement of Miles or Rewards Points (per person) $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 (per person) $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
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)
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
Travel Supplier Financial Default 14 Day Wait if purchased by your Initial Trip Deposit Date plus 20 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)
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, Becky, 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 20 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 20 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 will be no coverage available under the Optional Cancel for Any Reason Benefit, if purchased.

Here are the Travel Insured Plus Prices:

Note this important Travel Insured Plus Plan pricing information:

The Travel Insured Worldwide Trip Protector Plus Plan Prices:

Per Person
Trip Cost
Ages 0 – 17 Ages 18 – 34 Ages 35 – 58 Ages 59 – 65 Ages 66 – 70 Ages 71 – 80 Ages 81 – 85 Ages 86 +
$0 (No Trip Cost) $20 $50 $54 $63 $90 $122 $165 $188
$1 – $250 $20 $52 $57 $66 $94 $140 $171 $197
$251 – $500 $20 $56 $62 $69 $99 $154 $177 $209
$501 – $1,000 $20 $75 $78 $86 $105 $156 $238 $305
$1,001 – $1,500 $20 $94 $108 $113 $143 $218 $298 $419
$1,501 – $2,000 $20 $123 $140 $156 $218 $291 $434 $525
$2,001 – $2,500 $20 $155 $185 $206 $251 $389 $531 $638
$2,501 – $3,000 $20 $187 $216 $249 $274 $498 $664 $747
$3,001 – $3,500 $20 $218 $256 $319 $335 $594 $762 $864
$3,501 – $4,000 $20 $251 $296 $389 $400 $660 $885 $983
$4,001 – $4,500 $20 $287 $317 $467 $476 $772 $978 $1,073
$4,501 – $5,000 $20 $320 $379 $532 $542 $832 $1,104 $1,188
$5,001 – $5,500 $20 $363 $412 $582 $680 $932 $1,288 $1,366
$5,501 – $6,000 $20 $406 $457 $653 $722 $1,048 $1,384 $1,455
$6,001 – $6,500 $20 $442 $486 $717 $800 $1,126 $1,423 $1,570
$6,501 – $7,000 $20 $488 $533 $777 $870 $1,342 $1,527 $1,878
$7,001 – $8,000 $20 $567 $600 $885 $983 $1,388 $1,816 $2,175
$8,001 – $9,000 $20 $635 $710 $1,026 $1,110 $1,411 $2,067 $2,423
$9,001 – $10,000 $20 $720 $836 $1,160 $1,215 $1,563 $2,312 $2,528
$10,001 – $11,000 $20 $817 $906 $1,232 $1,427 $2,048 $2,602 $2,766
$11,001 – $12,000 $20 $887 $998 $1,376 $1,562 $2,235 $2,847 $3,003
$12,001 – $13,000 $20 $958 $1,090 $1,520 $1,697 $2,424 $3,192 $3,240
$13,001 – $14,000 $20 $1,037 $1,190 $1,672 $1,839 $2,619 $3,453 $3,476
$14,001 – $15,000 $20 $1,107 $1,282 $1,816 $1,974 $2,806 $3,706 $3,714
$15,001 – $16,000 $20 $1,177 $1,374 $1,960 $2,109 $2,994 $3,958 $3,951
$16,001 – $17,000 $20 $1,247 $1,465 $2,104 $2,244 $3,181 $4,188 $4,211
$17,001 – $18,000 $20 $1,318 $1,557 $2,248 $2,379 $3,320 $4,424 $4,464
$18,001 – $19,000 $20 $1,388 $1,649 $2,392 $2,514 $3,509 $4,662 $4,717
$19,001 – $20,000 $20 $1,458 $1,741 $2,536 $2,649 $3,696 $4,899 $4,970
$20,001 – $21,000 $20 $1,528 $1,833 $2,680 $2,784 $3,883 $5,136 $5,222
$21,001 – $22,000 $20 $1,598 $1,924 $2,824 $2,919 $4,070 $5,374 $5,475
$22,001 – $23,000 $20 $1,669 $2,016 $2,968 $3,054 $4,258 $5,610 $5,728
$23,001 – $24,000 $20 $1,739 $2,108 $3,112 $3,189 $4,445 $5,847 $5,981
$24,001 – $25,000 $20 $1,809 $2,200 $3,256 $3,324 $4,632 $6,084 $6,234

Ready to Purchase? It’s easy (and safe) to purchase online or over the telephone – just call Deanna, Becky, 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 Worldwide
Trip Protector Plan Prices:

Note this important Travel Insured Worldwide Trip Protector Plan pricing information:

  • The maximum trip cost you can insure with a Travel Insured WTP plan is $25,000 per person and $50,000 per policy
  • The table contains rates for Trip costs up to $25,000 per person
  • 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

The Travel Insured Worldwide Trip Protector Plan Prices:

Per Person
Trip Cost
Ages 0 – 34 Ages 35 – 58 Ages 59 – 65 Ages 66 – 70 Ages 71 – 80 Ages 81 – 85 Ages 86 +
$0 (No Trip Cost) $26 $36 $42 $49 $72 $103 $125
$1 – $250 $28 $38 $44 $51 $76 $108 $131
$251 – $500 $30 $41 $46 $54 $79 $112 $139
$501 – $1,000 $47 $50 $57 $70 $120 $170 $203
$1,001 – $1,500 $59 $72 $75 $102 $145 $229 $279
$1,501 – $2,000 $77 $93 $104 $150 $194 $289 $350
$2,001 – $2,500 $97 $123 $137 $173 $278 $354 $425
$2,501 – $3,000 $117 $144 $166 $189 $356 $415 $498
$3,001 – $3,500 $136 $160 $206 $231 $396 $476 $576
$3,501 – $4,000 $157 $185 $251 $276 $440 $590 $655
$4,001 – $4,500 $174 $198 $307 $322 $468 $631 $715
$4,501 – $5,000 $194 $237 $343 $361 $504 $712 $792
$5,001 – $5,500 $220 $266 $388 $453 $555 $831 $923
$5,501 – $6,000 $246 $295 $421 $481 $606 $865 $1,054
$6,001 – $6,500 $268 $321 $472 $533 $640 $918 $1,138
$6,501 – $7,000 $296 $353 $511 $580 $754 $985 $1,361
$7,001 – $8,000 $324 $395 $582 $655 $805 $1,195 $1,576
$8,001 – $9,000 $363 $444 $662 $740 $882 $1,360 $1,756
$9,001 – $10,000 $400 $492 $725 $810 $977 $1,521 $1,832
$10,001 – $11,000 $454 $553 $780 $991 $1,250 $1,679 $2,004
$11,001 – $12,000 $493 $607 $870 $1,081 $1,367 $1,837 $2,176
$12,001 – $13,000 $532 $661 $960 $1,171 $1,485 $1,995 $2,348
$13,001 – $14,000 $576 $720 $1,055 $1,266 $1,607 $2,158 $2,519
$14,001 – $15,000 $615 $774 $1,145 $1,356 $1,724 $2,316 $2,691
$15,001 – $16,000 $654 $828 $1,235 $1,446 $1,841 $2,474 $2,863
$16,001 – $17,000 $693 $882 $1,325 $1,536 $1,958 $2,632 $3,035
$17,001 – $18,000 $732 $936 $1,415 $1,626 $2,075 $2,790 $3,206
$18,001 – $19,000 $771 $990 $1,505 $1,716 $2,193 $2,948 $3,378
$19,001 – $20,000 $810 $1,044 $1,595 $1,806 $2,310 $3,106 $3,550
$20,001 – $21,000 $849 $1,098 $1,685 $1,896 $2,427 $3,264 $3,722
$21,001 – $22,000 $888 $1,152 $1,775 $1,986 $2,544 $3,422 $3,894
$22,001 – $23,000 $927 $1,206 $1,865 $2,076 $2,661 $3,580 $4,065
$23,001 – $24,000 $966 $1,260 $1,955 $2,166 $2,778 $3,738 $4,237
$24,001 – $25,000 $1,005 $1,314 $2,045 $2,256 $2,895 $3,896 $4,409

Click here to go to the Travel Insured’s secure online order form


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