I have a question about this subject!

Question:


We are 2 couples (related but not living together; all live in the same state) planning a trip to Italy. We will be sharing accommodations in Airbnb's. If one couple should have to cancel would they be able to file a claim for their half of the cost of the Airbnb's (or any other jointly paid for, non-refundable expenses, for that matter)? Would we be better purchasing separate policies for each couple or put all 4 on one policy? Thanks.
- TomC,
10/19/2023

Answer:


If one traveler (or couple) has to cancel for a covered reason, all travelers who are insured are also covered to cancel the trip. Trip Cancellation extends to traveling companions. You can all be listed on the same policy together if you live in the same state and travel on the same dates. Or, if you wanted separate policies, you can obtain two different plans. You are still covered just the same as if you were listed on the same policy together, please keep in mind.
- MattG,
Customer Care insureMyTrip
10/21/2023

Question:


My husband and I live in different states. Do we need two policies?
- Michie,
02/11/2023

Answer:


If you live in different states or have different travel dates, you will need to obtain separate policies.
- MattG,
Customer Care insureMyTrip
02/13/2023

Question:


Is the quoted price per person or is it the total for the 2 persons travelling?
- PaulH,
03/09/2019

Answer:


The prices displayed on our website for each policy is the total price for all travelers listed.
- MattG,
Customer Care insureMyTrip
03/11/2019

Question:


I am taking my sister and niece on a trip. I am paying for all up front costs such as airfare, hotels, and tours. Would they still have a separate policy for these costs?
- Bettina,
01/16/2018

Answer:


Even though you are paying for the entire trip, each traveler would still need to be insured so they are covered as well during the trip. If you all live in the same state and travel on the same dates, you can all be on the same policy with most providers. If not, each traveler would need separate policies and they would insure their own portion of the trip cost on each policy.
- MattG,
Customer Care insureMyTrip
01/18/2018

Question:


Hello, I am traveling with a companion but they do not want to purchase insurance. Can I insure just my portion of a trip, even if we book together, or would we need to book separately? Thanks
- Erica,
05/01/2017

Answer:


If you would like to purchase insurance for your portion of the trip cost, that is perfectly acceptable, even if your traveling companion does not want to buy coverage.
- MattG,
Customer Care insureMyTrip
05/01/2017

Question:


We are travelling to Sicily in the fall of 2017 with a US based group but we are residents and citizens of Canada. Do you provide travel insurance for Canadians?
- JoeW,
03/20/2017

Answer:


Yes, please call us at 800-551-1337 to speak with a licensed Canadian representative since you reside in Canada. Thank you.
- MattG,
Customer Care insureMyTrip
03/21/2017

Question:


We have two couples traveling together who live in different states and only want to travel if both couples can go. I understand that we may have to purchase 2 policies. One person is in the military and if his leave is cancelled, that is a covered reason. Will that reason also apply to the other couple who live in a different state and is not in the military?
- Carol,
02/21/2017

Answer:


Typically, for this concern, we would recommend buying a policy that includes Cancel for Any Reason. There are 3 conditions that must be met to purchase a Cancel For Any Reason Rider as follows: 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, most of the policies will reimburse you 75% of your trip costs, unless otherwise noted.
- MattG,
Customer Care insureMyTrip
02/23/2017

Question:


WHO IS CONSIDERED A NON TRAVELING FAMILY MEMBER
- DoyG,
02/21/2017

Answer:


Please check the definition of Family Member listed in the policy certificate to get a better idea on how Family Members are defined.
- MattG,
Customer Care insureMyTrip
02/23/2017

Question:


My sister and I are traveling together, but we do not live in the same household. Are we considered immediate family members for purposes of policy coverage?
- MaribethH,
02/20/2017

Answer:


Please check the definition of Family Member located in the policy certificate to get a better understanding on how the insurance companies define Family Members. Most providers require you to purchase separate policies if you live in separate households, please keep in mind.
- MattG,
Customer Care insureMyTrip
02/22/2017

Question:


There are 2 couples traveling together who live in different states, so it sounds like we will have to buy 2 policies? One guy is in the military and may have a work conflict come up and needs CFAR coverage. We do not want to take the trip unless both couples can go. Will the CFAR cover all 4 people even if it is 2 policies?
- Carol,
02/16/2017

Answer:


If you live in separate states, you would need to purchase separate policies. With Cancel for Any Reason, you can literally cancel for any reason whatsoever with that benefit. There are 3 conditions that must be met to purchase a Cancel For Any Reason Rider as follows: 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, most of the policies will reimburse you 75% of your trip costs, unless otherwise noted.
- MattG,
Customer Care insureMyTrip
02/20/2017
I still have a question about this subject!