Often times, you'll need to purchase insurance well before you've booked all your travel arrangements. You may not be booking your airfare for several months. Maybe you aren't sure of your exact dates of travel. Perhaps you'll be booking excursions or tours as you get closer to your trip and want to make sure they're included in your trip cost.
Whatever the case, once you have purchased a policy it's a simple matter to make changes to the details. Total trip cost, destination, or the dates of travel can be adjusted once you have purchased coverage, usually right up until the day before you depart on your trip (although we strongly recommend you don't wait until then!).
The process is fairly simple. If you need to make a change, simply contact our Customer Care department with your Confirmation/Order Number and let one of our representatives know what you need to adjust in your policy. The representative will update your policy to see if these changes will affect your premium. If you are increasing the trip cost or adding days to the length of your trip, you may need to pay an additional charge for the additional coverage. Not to worry though; there's no penalty fee for changing your policy. You are only charged the difference between the original cost and the updated cost. Conversely, if you need to reduce the total trip cost or will be traveling for a shorter period of time than you originally planned on, the change may result in a refund of excess premium.
Once you confirm that you would like to proceed with the change, we will need two things from you:
- An email confirmation stating that you would like us to make the changes to your coverage, and your permission to charge the additional premium.
- You will need to call us with your credit card information if there is an increase/refund of premium, unless you want to use the card that you purchased the policy with.
Once we have these, we will send the information to the insurance company to have the policy updated.
Changes are typically handled quickly, but can take up to 24-48 hours for the company to complete. As soon as they have processed the changes, an updated Confirmation and Policy will be emailed to you.
This is how making a change generally works. There can be some exceptions depending on the insurance company and the type of policy you have.