Travelers Living in Different Households or States

Answer:

If one traveler or family has to cancel for a covered reason, they can file a claim for their portion of the overall trip cost. All other travelers can still be covered for their portion of the trip cost and be covered during the trip. You can all be on the same policy together with most providers if you live in the same state and travel on the same dates. You are still covered just the same as if you were listed on separate policies though.

Answer:

If you live in different states, you will need separate policies. It wouldn't matter who pays for the travel arrangements though. Each traveler would insure their portion of the total trip cost on their policy. You are all still covered just like you would be if you were all listed on the same policy together, keep in mind, so if one traveler had to cancel the trip for a covered reason, you are all covered even though you are insured on separate policies.

Answer:

This is very common and won't cause any issues during a claim. It wouldn't matter who pays the travel suppliers directly. As long as you can show proof of payment for your portion of the total trip cost, such as a copy of the check you are sending your traveling companion, you can be covered for your portion of the total trip cost with Trip Cancellation and Trip Interruption.

Answer:

You would each insure your own portion of the total trip cost on each separate policy.

Answer:

You can purchase most policies up until the day before departure, however; you may not be eligible for some time sensitive benefits if you do not purchase within 10-21 days of the initial trip deposit/payment. Some time sensitive benefits are, but not limited to: Pre-Existing Condition Waiver, Financial Default, Terrorism, Cancel For Any Reason and Cancel For Work Reasons.

Answer:

Yes, the Trip Cancellation coverage extends to Traveling Companions as well, even if you are insured on separate policies. The number one covered reason for Trip Cancellation and Trip Interruption is the unforeseen illness or injury of you or a traveling companion that deems you unfit to travel, by order of a licensed physician; or the unforeseen hospitalization or death of a family member. To see all of the covered reasons to cancel or interrupt your trip, please click on the dollar amount that appears under the words "Trip Cancellation" when viewing a quote. Trip Cancellation reimburses 100%.

Answer:

Yes, you can all still obtain "Cancel for Any Reason" if you qualify for that benefit. You will need separate policies though if you live in separate states, regardless if only one person is paying for the entire trip. You would each insure your own portion of the total trip cost separately on each policy. There are typically 3 conditions that must be met to purchase a Cancel For Any Reason Rider: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, this benefit will typically reimburse you 75% of your trip cost, unless otherwise noted. Please do not hesitate to call us at 800 487 4722 for assistance with quotes for your trip.

Answer:

You can book your travel arrangements together if you like. However, you will need to purchase separate policies since you live in different states. You each would cover your portion of the total trip cost on your own policy.

Answer:

Yes, if one traveler has to cancel or interrupt the trip for a covered reason listed in the policy certificate, all travelers who are insured are also covered to cancel or interrupt as well. Trip Cancellation / Trip Interruption extends to family members and traveling companions, even if you are on separate policies.

Answer:

If you live in different states, you will need to obtain separate policies.

Answer:

Unfortunately, no. Only the costs of travelers that reside in the United States can be included in a Comprehensive Package Plan. She may qualify for a separate Medical Plan, which would include coverage for medical and medical evacuation.