Home |  About |  Popular |  FAQs |  Site Map |  Buy |  Blog |  Specialties |  Flight Accident |  Rental Car CDW
CSA Freestyle & Luxe | Global Alert | MH Ross Bridge, Complete | Travelex Max, Select 
 Travel Guard Gold | Travel Insured | TravelSafe USA, Canada

The definition of a Family Member or Traveling Companion is important because all our plans let you cancel or interrupt your trip should they get sick or injured.

Who is Defined As Your Family Member or 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.

Be sure to check each insurance provider’s exact definition of a Family Member. A good rule of thumb is: “Family members are related by blood or marriage“.

Note that CSA is the only company that include great-grandparent and great-grandchild in their Family Member definition.

On the other hand, Traveling Companions are “related” by their accommodations. In other words, they are people traveling together.

A common Traveling Companion definition is “a person or persons with whom you have coordinated travel arrangements, shares the same accommodations as You and intend to travel with during the Trip.”

Here’s some help figuring out who qualifies as a Traveling Companion. (note: Traveling Companions are people you are not related to – those people are usually Family Members). Some (not all) Travel Insurance plans cover you if you’re forced to cancel or interrupt your trip because of unforeseen events like you, a family member or a Traveling Companions gets hurt or sick.

  • Are you sharing the same accommodations? This means the same cabin on a cruise or room in a hotel. A very few plans cover your if your companion is in another cabin / room, but most plans do not cover you;
  • Are you going to the same destination? You have to have the same itinerary;
  • Is the person the group leader? If so, they won’t be a Traveling Companion.

Where do Business Partners fit in? Some companies (Global Alert, MH Ross, Travelex, Travel Guard, Travel Insured, TravelSafe) consider a business partner to be equal to a Family Member. However, their definitions are very specific: an individual who is involved in a legal partnership and shares in the management of the business. Note the wording “a legal partnership” – this means a General Partnership. Not an LLC, not an LLP, not a C-Corporation, not a S-Corporation, not a Sole Proprietorship.

Important: Just so it’s as clear as I can make it, the only way you could possibly be covered for a trip cancellation or trip interruption involving a “Business Partner” is if you are all part of a Legal General Partnership. Trust me (Steve Dasseos) when I say there aren’t very many Legal General Partnerships out there, so the likelihood of using this benefit is reduced.

Here’s What The Policies Say:

See the CSA Freestyle & Freestyle Luxe Certificates of Coverage:
CSA Freestyle Certificate CSA Freestyle Luxe Certificate

Here’s what Global Alert says:

“Business Partner” means an individual who: (a) is involved in a legal partnership; and (b) is actively involved in the day to day management of the business.

“Domestic Partner” means a person, at least 18 years of age, with whom You have been living in a spousal relationship with evidence of cohabitation for at least 6 continuous months prior to the Effective Date of coverage.

“Family Member” means You or Your Traveling Companion’s legal or common law spouse, Domestic Partner, Yours or Your Domestic Partner’s caregiver, parent, legal guardian, step-parent, grandparent, parents-in-law, grandchild, natural or adopted child, foster child, ward, step-child, children-in-law, brother, sister, step-brother, step-sister, brother-in-law, sister-in-law, aunt, uncle, niece or nephew.

“Traveling Companion” means person(s) named and traveling under the same reservation as You, person(s) booked to accompany You on Your Covered Trip, person(s) sharing travel arrangements with You, or a person or persons with whom You have coordinated travel arrangements and intend to travel with You during the Covered Trip. Note: A group or tour leader is not considered a Traveling Companion unless You are sharing room accommodations with the group or tour leader.


Here’s what MH Ross says:

“Business Partner” means an individual who (a) is involved in a legal general partnership with You and/or (b) is actively involved in the day to day management of Your business.

“Domestic Partner” means a person who is at least eighteen years of age and can show: 1) evidence of financial interdependence, such as joint bank accounts or credit cards, jointly owned property, and mutual life insurance or pension beneficiary designations; 2) evidence of continuous cohabitation throughout the 180 day period prior to Your Effective Date of the Plan; and 3) an affidavit of domestic partnership if recognized by the jurisdiction within which they reside.

“Family Member” means Your or Your Traveling Companion’s legal or common law spouse, Domestic Partner, parent, legal guardian, step-parent, grandparent, parents-in-law, grandchild, natural or adopted child, foster child, ward, step-child, children-in-law, brother, sister, stepbrother, step-sister, brother-in-law, sister-in-law, aunt, uncle, niece or nephew.

“Traveling Companion” means a person or persons with whom You have coordinated Travel Arrangements and intend to travel with during the Trip.


Here’s what the Travelex Select and the Travelex Max plans say:

Trip Cancellation and Interruption Covered Reasons

Coverage is provided for the following unforeseeable events or their consequences which occur while coverage is in effect under this Policy if there is a change in plans by you, a Family Member traveling with you, or Traveling Companion:
1. Sickness, Injury or death of you or your Traveling Companion and/or you or your Traveling Companion’s Family Member or Business Partner. The Sickness must commence while coverage is in effect, require the examination of a Physician, in person, at the time of Trip Cancellation or Trip Interruption and, in the written opinion of the treating Physician, be so disabling as to prevent you from taking or continuing your Covered Trip;
7. being hijacked, kidnapped, quarantined, required to serve on a jury, or required by a court order to appear as a witness in a legal action, provided you, Family Member traveling with you or a Traveling Companion is not 1) a party to the legal action, or 2) appearing as a law enforcement officer;

“Business Partner” means an individual who is involved, as a partner, with you in a legal general partnership and shares in the management of the business.

“Family Member” includes your or the Traveling Companion’s dependent, spouse, child, spouse’s child, son-daughter-in-law, parent(s), sibling(s), brother-sister, grandparent(s), grandchild, step brother-sister, step-parent(s), parent(s)-in-law, brother-sister-in-law, aunt, uncle, niece, nephew, guardian, Domestic Partner, foster-child, or ward.

“Traveling Companion” means a person who during the Covered Trip will accompany the Insured. A group or tour leader is not considered a Traveling Companion unless you are sharing room accommodations with the group or tour leader.

Note: To qualify for the “Children under 20 are covered at no additional cost (except for optional plan add-ons) when accompanied by a covered adult”, the children must be a Family Member to the primary insured.


Here’s what Travel Guard Gold and Platinum says:

“Business Partner” means an individual who: (1) is involved with the Insured or the Insured’s Traveling Companion in a legal partnership; and (2) is actively involved in the daily management of the business.

“Domestic Partner” means an opposite or a same-sex partner who is at least 18 years of age and has met all of the following requirements for at least 6 months: (1) resides with the Insured; (2) shares financial assets and obligations with the Insured; the Insurer may require proof of the Domestic Partner relationship in the form of a signed and completed Affidavit of Domestic Partnership.

“Immediate Family Member” means the Insured’s or Traveling Companion’s spouse, Domestic Partner, Child, daughter-in-law, son-in-law, brother, sister, mother, father, grandparents, grandchild, step-child, step-brother, step-sister, step-parents, parents-in-law, brother-in-law, sister-in-law, aunt, uncle, niece, nephew, legal guardian, Caregiver, foster child, ward, or legal ward, or spouse or Domestic Partner of any of the above.

“Key Employee” means an employee of an employer who is responsible for policy and decision making.

“Traveling Companion” means a person or persons with whom the Insured has coordinated travel arrangements and intends to travel with during the Trip. A group or tour leader is not considered a Traveling Companion, unless the Insured is sharing room accommodations with the group or tour leader.


Here’s what Travel Insured says:

Trip Cancellation/Trip Interruption: The Insurer will pay a benefit, up to the maximum shown on the Schedule of Coverage and Services, if You are prevented from taking or continuing Your Trip due to the following Unforeseen events:
a) Sickness, Accidental Injury, or death of You, Your Traveling Companion, or a Family Member or Business Partner of You or Your Traveling Companion which results in medically imposed restrictions as certified by a Physician at the time of loss, preventing Your continued participation in the Trip. A Physician must advise cancellation of the Trip on or before the Scheduled Departure Date.

“Business Partner” means an individual who: (a) is involved in a legal partnership; and (b) is actively involved in the day-to-day management of the business.

“Domestic Partner” means a person, at least 18 years of age, with whom You have been living in a spousal relationship with evidence of cohabitation for at least 10 continuous months prior to the Effective Date of coverage.

“Family Member” means You or Your Traveling Companion’s legal or common law spouse, Domestic Partner, parent, legal guardian, step-parent, grandparent, parents-in-law, grandchild, natural or adopted child, foster child, ward, step-child, children-in-law, brother, sister, step-brother, step-sister, brother-in-law, sister-in-law, aunt, uncle, niece, or nephew.

“Traveling Companion” means a person who is sharing travel arrangements with you. Note: a group or tour leader is not considered a Traveling Companion unless You are sharing room accommodations with the group or tour leader.


Here’s what TravelSafe says:

Covered reasons for Pre-Departure Trip Cancellation:
Sickness; Injury; Mental, Nervous, or Psychological Disorders requiring inpatient hospitalization of three (3) days or more; death of you, an Immediate Family Member, Traveling Companion, or Business Partner; death or hospitalization of your Host, as defined; or Other Covered Events, as defined. The Sickness or Injury must: a) commence while your coverage is in effect under the policy; b) require the examination and treatment by a Physician at the time the Trip is canceled; and c) in the written opinion of the treating Physician, be so disabling as to prevent you from taking your Trip.

Covered reasons for Post-Departure Trip Interruption:
Sickness, Injury, or death of you, an Immediate Family Member, Traveling Companion, or Business Partner; or for Other Covered Events, as defined. For item 1) above, the Sickness or Injury must: a) commence while your coverage is in effect under the policy; b) for item 2) above, commence while you are on your Trip and your coverage is in effect under the policy; and c) for both items 1) and 2) above, require the examination and treatment by a Physician at the time the Trip is interrupted or delayed; and d) in the written opinion of the treating Physician, be so disabling as to delay your arrival on your Trip or to prevent you from continuing your Trip.

“Business Partner” means an individual who is involved, as a partner, with you in a legal general partnership and shares in the management of the business.

“Care Giver” means an individual employed for the purpose of providing assistance with activities of daily living to you or to your Immediate Family Member who has a physical or mental impairment. The Care Giver must be employed by you or your Immediate Family Member. A Care Giver is not a babysitter; childcare service, facility or provider; or persons employed by any service, provider or facility to supply assisted living or skilled nursing personnel.

“Domestic Partner” means a person who is at least eighteen years of age and you can show: 1) evidence of financial interdependence, such as joint bank accounts or credit cards, jointly owned property, and mutual life insurance or pension beneficiary designations; 2) evidence of cohabitation for at least the previous 6 months; and 3) an affidavit of domestic partnership if recognized by the jurisdiction within which they reside.

“Immediate Family Member” includes your or the Traveling Companion’s spouse, child, spouse’s child, son-daughter-in-law, parent(s), sibling(s), grandparent(s), grandchild, step-brother, step-sister, step-parent(s), parent(s)-in-law, brother-sister-in-law, aunt, uncle, niece, nephew, guardian, Care Giver, Domestic Partner, foster-child, or ward.

“Traveling Companion” means up to six persons whose names appear with yours on the same Trip arrangement and who, during the Trip, will accompany you. A group or tour organizer, sponsor or leader is not a Traveling Companion as defined, unless sharing accommodations in the same room, cabin, condominium unit, apartment unit, or other lodging with you.




Ready to Purchase? It's easy and safe to purchase online or over the phone - just call Deanna, Becky, Kim or Steve at (888) 407-3854 or (816) 282-6858.

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

PPS - Steve has some Fun Stuff for you to enjoy just for visiting TripInsuranceStore.com

TripInsuranceStore.com's
Trustworthy Travel Insurance Companies

CSA logo GeoBlue
HTH MedJet logo MH Ross
travelex Travel Insured TravelSafe

Get side-by-side plan & price comparisons


Can't find what you need? Try TripInsuranceStore.com's Search Page:


Privacy

Recommend this page

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. Click here to get each plan's complete details of coverage.


How Have We Done?

Links

Service & Contact

319
TripInsuranceStore.com, 401 NW Whitlock Dr., Lees Summit, MO 64081