Like all insurance policies, a travel insurance policy will include many "coverages" to protect you and your investment if anything should happen to affect your travel plans. It's good to know that you're covered, but for many travelers, figuring out just what each of those "coverages" means can be one of the most confusing parts of buying and understanding travel insurance. Doing some research on the various kinds of coverage that may be offered through your travel insurance policy can help give you a little extra peace of mind as you prepare for your trip.
Understanding Travel Insurance Coverages
- Accidental Death
- Baggage Coverage Limitations
- Baggage Delay
- Baggage Loss Coverage
- Cancel for Any Reason (CFAR)
- Cancel for Work Reasons (CFWR)
- Evacuation Criteria
- Financial Default Coverage
- Hospital of Choice
- Identity Theft Protection
- The Costs of Emergency Medical Evacuation
- Do I Really Need Travel Medical Insurance?
- Pre-Existing Conditions Period
- Pre-Existing Conditions Waiver
- Pre-Existing Conditions
- Pre-Existing Conditions and Non-Traveling Family Members
- Primary Coverage Requirements
- Rental Car Collision
- Review Period
- Primary Coverage vs. Secondary Coverage
- Terrorism and Travel Insurance
- Travel Delay
- Dental Coverage
- Travel Insurance for Damage at Home
- Travel Major Medical
- Trip Cancellation vs. Cancel for any Reason
- Trip Interruption
Ask an Expert
How soon after I book a trip do I need to buy insurance?
The best time to purchase travel insurance is right after you put money down towards your trip. Some policies include time sensitive benefits which are but not limited to pre-existing condition waiver, financial default, terrorism, Cancel For Any Reason and Cancel For Work Reasons. Most plans require that you purchase a policy within 10 - 21 days of your initial trip payment, and insure all prepaid non refundable trip costs to receive these time sensitive benefits. You can always purchase insurance for what you have paid for as of now and call us to amend your policy when you make other purchases. If you are interested in time sensitive benefits, be sure to call us within the time frame listed on the policy to add the additional costs so the time sensitive benefits will still be included. If you are beyond the 21 day window you can still purchase travel insurance up to the day before you leave. You will just not be eligible for time sensitive benefits.
If I buy an overseas land tour only and then buy a plane ticket a few months later, is it possible to purchase one policy for both or do I need to buy two separate travel insurance policies?
You would only use one policy for this. Once you purchase the airfare, you can contact us to add the value of the tickets to your existing policy.
If I purchase an airline ticket for a family member and then purchase travel insurance and that person is too ill to travel, cn I , as the purchaser of the ticket be reimbursed for my purchse of the ticket?
No, the person who is traveling must be the person that is insured and filing the claim for reimbursement, regardless of who purchased the arrangements.
The French consulate is asking us to purchase travel insurance while travelling to France because their rational is that US insurance providers don't settle directly with French hospital/doctors and therefore cannot be accepted. If we purchase a plan here will they directly pay the hospital/doctors?
Travel insurance is typically on a reimbursement basis and there is never a guarantee of direct payment.
With Comprehensive coverage, what are the reasons you can cancel the trip?
The number one covered reason for Trip Cancellation and Trip Interruption is the unforeseen illness, accidental injury or death to you, a travelling companion or a non-traveling immediate family member. To see all of the covered reasons to cancel or interrupt your trip, please click on the dollar amount that appears NEXT to the words "Trip Cancellation" when viewing a quote.
We are two couples. friends not relatives, who plan to share all costs on a rental car trip around Holland and Germany. We will fly from California to Frankfurt or Amsterdam. The trip will be 4-5 weeks. Can we all be on one comprehensive policy or do we buy two (one per couple)?
Generally, if you reside in different households you would want to be on separate policies, but If you live in different states or have different dates of travel you would need to be on separate plans. That having been said, it varies greatly by company, some do allow it and some do not.
I need yearly cover-as I am doing three trips to the UK this year- also can you get a family policy?
We do have annual policies that are designed to provide coverage for multiple trips. These plans provide medical emergency and emergency medical evacuation benefits. If you are looking for coverage for trip cancellation, interruption, baggage and delay as well as medical, you cannot purchase these benefits on a yearly policy. You will need to insure each trip individually.
If I cannot travel and am flying on flights booked with award miles, can I claim for the airline's cancellation fee? If I will be traveling first in the US and then internationally, if I only want the coverage for the time I am outside the US, is that okay?
It depends on which company you book the insurance with. Certain providers will cover for re-banking or re-deposit fees for putting miles back if you are forced to cancel. You can find this information within the policy full details or by calling us once you have narrowed down the plans you're interested in. For dates, the comprehensive plans require you to insure from the day you leave your home until the day you return.