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Frequently asked travel insurance questions

Frequently Asked Travel Insurance Questions

Frequently asked questions about hundreds of travel insurance plans from the top providers. Answers to all of your Travel Insurance questions and coverage details.

Instantly purchase your travel insurance in real time, immediately receive a policy number and full confirmation of your insurance purchase both on screen and by email. Some travel insurers also send a hard copy by US Mail.

What is the latest date I can purchase travel insurance?

You can purchase a policy up to the day before you travel. However, our recommendation is to purchase as soon as possible; it doesn't cost you more and you maximize your benefits. If you wait, you always run the risk that something will happen before you buy your insurance and you won't be covered.

I booked part of my vacation, but not the flight. I would like to purchase travel insurance within the pre-existing condition exclusion waiver period. Do I have to wait until the flight is booked?

You can certainly purchase the travel insurance right away. You will probably want to include the cost of yourairline tickets in the trip cost. If you can find out what the price of the tickets will be before purchasing them, you may include that amount in the total trip cost. If not, an estimate will have to do. Otherwise, buy the policy now with the costs expended to date and modify the policy when you make your other arrangements. If there is any additional premium as a result of thechange, it will be charged at that time. Be sure you do this within the 7 - 21 day purchase requirement (depends on company) in order to comply with the pre-existing condition waiver requirements.

Can I cancel a policy I purchased? Do I incur a penalty?

Most of the companies allow you to review the policy 10 days following purchase (varies by company and plan). If you cancel your policy within that "free look" period, you will receive a full refund except for a small $5 - $6 non-refundable processing fee charged by the company.

I did not receive a copy of my travel insurance in the mail yet. What can I do?

If you have received your order confirmation email, please be assured that your coverage is in full force and effect and has been since the date you purchased your policy. All of the policy and contact information is included in your email. Policies are normally sent out within 24 hours of purchase from our web site by the respective insurance company. With mailing time, the policy should be received in 7 - 14 days.

If you have not received your policy in 14 days, please contact our office. We will verify your mailing address and request that the policy be sent out again.

Will travel insurance cover airline tickets that I purchased with frequent flyer miles?

Generally the insurance companies will not insure tickets purchased with reward points or miles because no money has been paid. However, you should insure yourself for adequate trip interruption coverage. Make sure that you have purchased enough trip interruption coverage to cover the cost of an economy ticket home plus the cost of any unused, non-refundable land arrangements that you might lose if you have to interrupt your trip.

Is it possible to insure the rental of a house or condo?

All of the companies on our website will provide reimbursement of villa, condo or other rental property as long as their is a written agreement/contract between the insured and the renter. Reimbursement of your pre-paid cost will be made if the trip cancellation or interruption was caused by a peril named in the policy.

What does travel protection cover?

The insurance component of travel protection assures that you'll be reimbursed for non-refundable financial expenses associated with a cancelled or interrupted trip, lost baggage, or medical emergencies (Exclusions may apply, depending upon the policy you purchase).

Why shouldn't I wait until a time closer to departure to buy insurance?

Some suggest you purchase travel insurance when the cancellation penalties for your trip become effective. The theory is that you won't have a loss because your pre-payment will be refunded and you shouldn't spend more money than necessary. However, the longer you wait, the greater chance you (or an immediate family member or traveling companion) may develop a "pre-existing medical condition" or another foreseeable event, which wouldn't be covered by the plan.

I input my family's ages into the quote screen. Is the price quoted per person or for all travelers?

The quoted premium is the total cost for all traveler ages entered. The benefits illustrated on the Quote are per person benefit limits.

There are so many plans available. How do I select the plan that is right for me?

TravelProtectInternational.com is a user-friendly comparison site designed to simplify the complexity of travel insurance. Answer a few simple questions and we will provide you only with the available plans meeting your requirements. You are able to sort the information to achieve the results you desire. Our side-by-side plan comparison allows you to make an informed decision regarding the best plan for you.

There are so many plans available. How do I select the plan that is right for me?

TravelProtectInternational.com is a user-friendly comparison site designed to simplify the complexity of travel insurance. Answer a few simple questions and we will provide you only with the available plans meeting your requirements. You are able to sort the information to achieve the results you desire. Our side-by-side plan comparison allows you to make an informed decision regarding the best plan for you.

How do I determine the total cost of the trip?

To determine the insurable cost of the trip, add together the cost of all of your non-refundable pre-paid trip arrangements.

Travel Insurance - Travel Protect InternationalWhere do I file a claim?

You are given the specific claim contact information when you purchase the plan of your choice

Travel Insurance - Travel Protect InternationalCan I buy travel protection without any trip cancellation coverage?

Yes, you can choose a plan that excludes this coverage but still includes a full range of benefits to protect you during your trip, including coverage for: trip delay, medical evacuation/ repatriation, baggage and baggage delay, itinerary change and much more!

Travel Insurance - Travel Protect InternationalCan I cancel my trip for any reason and get all my money back?

We now have policies which allow you to "cancel for any reason" and get a reduced amount refunded (75% - 90% depending on product) in the event you cancel for a non covered reason. To be eligible for these products, certain conditions must be met which include: purchasing insurance within 14 days of your initial trip deposit, insuring the full prepaid trip costs and you must cancel 2 days or more prior to your departure date.

Travel Insurance - Travel Protect InternationalHow do the pre-existing conditions exclusion and waiver work?

A pre-existing condition is any injury or illness that is in existence 60 to 180 days (depending on product purchased) prior to and including the date your insurance coverage goes into effect. For most policies, if the condition is controlled (that is, if you don't need to change your medication or treatment during the 60-180 day period), it's not considered a pre-existing condition. You can waive this exclusion under certain policies if you purchase within 10 - 21 days, depending on the policy you purchase, of paying your initial deposit for the trip. There are a few policies which will waive the pre-existing exclusion if policy is purchased prior to making the final trip payment.

Travel Insurance - Travel Protect International