I have a question about this subject!

Question:


I book a trip and the company cancels the trip due to lack of enrollment. They will only refund the cost of the trip, not independently purchased airfare. Can I get a policy to insure trip and airfare?
- PauletteW,
05/08/2020

Answer:


Standard comprehensive travel insurance plans will not cover cancellation due to lack of enrollment. In this instance, you would want to look at a policy with optional Cancel For Any Reason protection selected. There are some eligibility requirements for this coverage, such as insuring 100% of pre-paid, non-refundable trip costs, purchasing your coverage within 10-21 days after making your initial trip payment/deposit, and you must cancel your trip no less than 2 days prior to departure. Cancel For Any Reason can reimburse a portion, typically up to 50%-75%, of your trip cost depending on the plan purchased. A policy with Cancel For Any Reason can cost an additional 40%-60% more than a standard policy, is not available in all states, and eligibility requirements may differ by company. If you would like assistance finding a plan that best fits your needs, you can call our Customer Care department at 800-487-4722 to speak with a licensed travel insurance representative.
- Meghan,
Product insureMyTrip
05/12/2020

Question:


Does travel insurance cover pandemics
- Marie,
04/16/2020

Answer:


Some standard comprehensive travel insurance plans do exclude pandemics, and on others you may only be covered if you contract the virus after coverage goes into effect and a physician says you can't travel. It is important to read the policy document to see what is covered and what is excluded. If fear of travel or government shutdowns/boarder closings are your main concern, you would want to purchase a comprehensive plan with optional Cancel For Any Reason coverage selected. There are some eligibility requirements for this coverage, such as insuring 100% of pre-paid, non-refundable trip costs, purchasing your coverage within 10-21 days of your initial trip payment, and you must cancel your trip no less than 2 days prior to departure. Cancel For Any Reason can reimburse a portion, typically up to 50%-75%, of your trip cost depending on the plan purchased. A policy with Cancel For Any Reason can cost an additional 40%-60% more than a standard policy, is not available in all states, and eligibility requirements may differ by company.
- Meghan,
Product insureMyTrip
04/22/2020

Question:


My wife and I are going on a trip together. If one of us gets sick, can I cancel the trip for both of us?
- RobertG,
03/27/2020

Answer:


If one traveler has to cancel for a covered reason, all travelers who are insured are also covered to cancel as well. Trip Cancellation extends to traveling companions and Family Members. 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%.
- MattG,
Customer Care insureMyTrip
04/02/2020

Question:


Do we get a refund of our insurance cost if the cruise line cancels the trip?
- ShariW,
03/12/2020

Answer:


Generally, the policy can only be cancelled within the 10 - 15 day review period from when it was purchased.
- MattG,
Customer Care insureMyTrip
03/16/2020

Question:


We have reserved a house in San Diego for a family get together for 6 days. However, my husband and I are 80 years old and are now advised not to travel at this time because of the Coronavirus. Will our CSA policy refund our prepaid rental fee?
- BrendaC,
03/13/2020

Answer:


Although Coronavirus is now a prevalent topic, and there are many questions related to travel insurance coverage, it looks like you may have purchased a travel insurance plan from a company not offered through InsureMyTrip.com. If that is the case, you will need to contact that company directly to discuss coverage or file a claim. You should be able to find this contact info on any confirmations or policy documents that you received. Although our Customer Care agents would love to help, they can only view and discuss policies that were purchased through InsureMyTrip.com.
- Meghan,
Product insureMyTrip
03/13/2020

Question:


We had a house booked in Florida starting 3/23/2020. My husband has been recently diagnosed with a health issue that we need to get immediate attention. We have cancelled the trip. What is the process for filing a claim?
- Sheri,
03/11/2020

Answer:


If you are looking to file a claim, you will need to contact the insurance company that provided your coverage. You should be able to find the contact information for the claims department within the policy documents that you received when the plan was purchased. The claims department will be able to advise you on the process and any information needed.
- Meghan,
Product insureMyTrip
03/12/2020

Question:


is airline bankruptcies covered?
- Noah,
03/09/2020

Answer:


Many Comprehensive travel insurance policies will include financial default coverage, if all eligibility requirements are met, which typically covers cancellation or interruption if a travel supplier has stopped business operations due to a financial reason. Coverage for financial default may be time sensitive on some plans, meaning you have to be purchasing coverage within 10-21 days after making your initial trip payment/deposit. Also, there is a waiting period for financial default coverage to go into effect after the effective date of the policy, usually 10-14 days. This means that if you purchase a plan today and it goes into effect tomorrow, financial default coverage would be available 10-14 days after tomorrow (depending on the plan). Plans typically do not cover the default of the agency that you purchased your travel arrangements through. Also, coverage has to be purchased prior to any announcement of financial issues for a travel supplier. Finally, some companies only offer coverage for the financial default of select travel suppliers. You can obtain the complete list from your provider if you have any questions about your travel supplier’s eligibility.
- Meghan,
Product insureMyTrip
03/11/2020

Question:


I am worried about the cornovirus and not being allowed to travel Will travel insurance cover this
- shelleyF,
03/09/2020

Answer:


We do understand your concern as news of Coronavirus develops daily. It is recommended that you contact your travel agent and/or travel suppliers to see if they are offering the ability to cancel and receive a refund or rebook travel to a later date. Generally, travel insurance does not cover trip cancellation due fear of travel. Also, since travel warnings are now foreseen, coverage would not be available to cancel your trip due to your destination being inaccessible because of Coronavirus. The only way to have any coverage to cancel your trip, would be to purchase a comprehensive plan with optional Cancel For Any Reason coverage selected. There are some eligibility requirements for this coverage, such as insuring 100% of pre-paid, non-refundable trip costs, purchasing your coverage within 10-21 days of your initial trip payment, and you must cancel your trip no less than 2 days prior to departure. Cancel For Any Reason can reimburse a portion, typically up to 50%-75%, of your trip cost depending on the plan purchased. A policy with Cancel For Any Reason can cost an additional 40%-60% more than a standard policy, is not available in all states, and eligibility requirements may differ by company.
- Meghan,
Product insureMyTrip
03/11/2020

Question:


I am purchasing a trip to Mexico. I have to pay for the nonrefundable hotel now but won't purchase the airline ticket for a few more months. If I purchase coverage before I have the airline tickets but have the hotel reservation, will the airline ticket be covered as well once I purchase them in a couple months?
- Rick,
10/18/2019

Answer:


Yes. You can insure what you have paid for to date and any known costs, and once you make subsequent payments towards the trip prior to departure such as purchasing airfare, you can contact us and update your existing policy accordingly.
- MattG,
Customer Care insureMyTrip
10/19/2019

Question:


Is the death or health emergency of a parent considered a valid reason for trip insurance reimbursement?
- Ramesh,
09/28/2019

Answer:


Yes. 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. This applies to all comprehensive policies and extends to non traveling Family Members.
- MattG,
Customer Care insureMyTrip
09/30/2019

Question:


Is it possible to get trip cancellation coverage if you are past the 14-21 day window since the deposit was made
- JimP,
05/09/2019

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.
- MattG,
Customer Care insureMyTrip
05/13/2019

Question:


I am planning to purchase tickets for my family to attend the wedding of my niece in California. Does a travel insurance cover cancellation due to changes of wedding plans? Do I need to buy special coverage for such reasons.
- TonyH,
09/03/2018

Answer:


For this concern, we suggest viewing policies that offer Cancel for Any Reason. 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.
- MattG,
Customer Care insureMyTrip
09/04/2018

Question:


I had to cancel my trip. Will i get the insurance fee back?
- Diane,
05/26/2018

Answer:


Generally, the policy premium is only refundable within the 10-15 day review period from when the policy was purchased.
- MattG,
Customer Care insureMyTrip
05/26/2018

Question:


I'm seeing under the policies after "Trip Cancellation" $2500 listed even though the cost of my trip is $10,000. Does this mean there's a $2500 deductible or I can only expect to be reimburse for $2500 of my non-refundable expenses?
- JoshF,
01/04/2018

Answer:


The amounts displayed are per person amounts. If you had to cancel for a covered reason, that is the amount each traveler would be reimbursed.
- MattG,
Customer Care insureMyTrip
01/11/2018

Question:


What is the best plan to buy to cover the cost of a new air ticket if we have to interrupt our trip of 45 days to return home if there is a family emergency or death? Most plans reimburse you the cost of the already purchased ticket, but not the cost of the new ticket which is quite exorbitant when purchasing for next day travel.
- Gloria,
11/18/2017

Answer:


Our comprehensive policies offer Trip Interruption coverage which reimburses up to 150% of your Trip Cost. This means that if your trip is interrupted for a covered reason listed in the policy certificate, you are reimbursed the unused portion of the trip cost and with policies that offer 125% or 150% for Trip Interruption, the insurance companies would help out with the additional transportation costs incurred when returning home early for a covered reason. The amount they provide is based on your Trip Cost. Up to the 100% is reimbursement for the unused portion that was prepaid and non-refundable. The other 25% - 50% (depending on the policy) will reimburse for the additional reasonable transportation costs incurred when returning home early for a covered reason. The easiest way to find a policy is to call us at 800 487 4722 and any customer care representative will be happy to assist you with finding a policy that offers the highest reimbursement for Trip Interruption.
- MattG,
Customer Care insureMyTrip
11/20/2017

Question:


We are planning to take a Smithsonian tour to Italy's Lake Country. The tour includes medical and evacuation insurance coverage. They recommend that we independently secure trip cancellation and baggage loss coverage. You state that that Cancellation for Any Reason coverage can only be purchase as part of a comprehensive insurance package. Because our tour provides much of the coverage, it would not be practical for us to buy a comprehensive package. I am 87 years old and believe that trip cancellation coverage is needed. What do you suggest?
- MarshallW,
06/03/2017

Answer:


Unfortunately, we do not have just Trip Cancellation by itself, you would need to obtain a comprehensive plan if you are in need of cancellation coverage.
- MattG,
Customer Care insureMyTrip
06/05/2017

Question:


I have purchased a round trip airline ticket to visit friends in Nova Scotia. Due to illness, they may not be able to be there. Would trip insurance - cancel for any reason- reimburse me for the cost of my airline ticket? Cost is $500.
- Susan,
06/02/2017

Answer:


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. With this benefit, you can literally cancel for any reason whatsoever.
- MattG,
Customer Care insureMyTrip
06/05/2017

Question:


my husband is in the hospital. We have a fight planned in 9 days for our granddaughter's graduation. At this point we are hoping to go, but, may not be able to. What is the minimum number of days before flight in which I can purchase insurance?
- judieB,
05/25/2017

Answer:


You can buy a policy any time prior to departure, however, please keep in mind that Trip Cancellation only covers unforeseen illnesses or injuries that require you to cancel your trip. If your husband is already in the hospital, unfortunately this would be considered foreseen and wouldn't be covered with Trip Cancellation.
- MattG,
Customer Care insureMyTrip
05/27/2017

Question:


Trip cancellation/trip interruption question: Would the death or serious illness of a parent (non travelling) be covered in a non CFAR policy? We live in Florida and parents live in Pennsylvania. We will be taking a cruise to Alaska in August of this year.
- RalphS,
04/23/2017

Answer:


With Cancel for Any Reason, you can cancel for any reason whatsoever as long as you qualify for that benefit. For your particular concern, you do not need Cancel for Any Reason as this is something that is covered under Trip Cancellation. 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.
- MattG,
Customer Care insureMyTrip
04/24/2017

Question:


If husband and spouse have cruise trip cancellation insurance, and one needs to cancel for a covered medical event (no preexisting condition, for example) and the other chooses not to travel independently, can both receive a cancellation benefits per policy?
- Ted,
04/22/2017

Answer:


With our comprehensive policies, if one insured has to cancel for a covered reason, all travelers who are insured are also covered to cancel as you are considered Traveling Companions and Family Members. 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.
- MattG,
Customer Care insureMyTrip
04/22/2017

Question:


I am purchasing a Disney vacation package for several family members, four of whom live in Japan. Three of the four who live in Japan are American citizens. Can I purchase trip cancellation insurance, for "cancellation for any reason" for these travelers for both airline flight cancellation and cancellation of the vacation package (hotel, dining plan, etc) . The 3 American citizens will be traveling domestically ( from New York to Florida) . The non citizen will be flying internationally from Japan to Florida
- Barbara,
04/17/2017

Answer:


Unfortunately, we are only able to provide medical and medical evacuation coverage for non U.S residents. The comprehensive plans that include Trip Cancellation are only available to residents of the U.S who are departing from and returning to their home in the U.S.
- MattG,
Customer Care insureMyTrip
04/18/2017

Question:


I am only interested in getting insured for trip cancellation or interruption. We are going on a cruise. I do not need the medical coverage. Is there company that offers that? I want one that covers us if either of us has to cancel due to illness
- BetteR,
04/01/2017

Answer:


Unfortunately, we do not offer just Trip Cancellation or Interruption by itself. We would suggest viewing the least expensive comprehensive plan if you are interested in these benefits. 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.
- MattG,
Customer Care insureMyTrip
04/01/2017

Question:


where do I find the benefit schedule for trip cancellation and what does that mean?
- ronaldV,
03/20/2017

Answer:


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. Generally, the schedule of benefits is a table outlining each benefit on first few pages of the policy certificate.
- MattG,
Customer Care insureMyTrip
03/21/2017

Question:


My niece and I will be traveling to the Holy Land in two months. She lives in Canada, I live in FL., USA. we will meet in Miami to take international flights to Tel Aviv. My travel agent insists in selling me a travel cancellation insurance, of course. I think the price is high and he put limits in the time I am suppose to buy the coverage. I would like to know how long I have to purchase the insurance after I book the trip and what is the range of prices available in case we have to cancelled the trip for unexpected reasons. We both are in good health, Thank God. I am finding out information from my health insurance to see if I am covered outside the USA. Thank you for the valuable travel service you provide. Now I understand the exclusions and limitations.
- MariaP,
02/19/2017

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 10-30 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. Please keep in mind, you will need to purchase separate policies since you do not reside in the same state / country. We highly recommend calling us for assistance since your situation is unique.
- MattG,
Customer Care insureMyTrip
02/22/2017

Question:


I'm looking at an annual travel insurance policy that provides good medical and evacuation coverage but no trip cancellation/ interruption. Is there a per trip rider I can buy that covers trip cancellation/ interruption only? Thank you.
- PeterS,
02/17/2017

Answer:


Unfortunately, we do not offer this type of coverage on its own, and the medical plans do not offer any riders to add this to the policies. If you were interested in travel protection such Trip Cancellation, you would need to purchase a comprehensive plan for each trip.
- MattG,
Customer Care insureMyTrip
02/22/2017

Question:


Wife and I (both seniors) have scheduled flight to Tampa, FL from Manchester, NH on 3/1/17 with return from Jacksonville, FL on 4/1/17. We are renting a vehicle and will be staying at two locations (2 weeks each). Seeking insurance info for any unexpected happening - at both locations. Thanks
- FredH,
02/14/2017

Answer:


As long as you do not return home in between each destination, this is considered one trip and you would only need to purchase one policy to cover you for the entire duration. Our comprehensive plans provide Trip Cancellation and Trip Interruption coverage for Many different covered reasons. 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.
- MattG,
Customer Care insureMyTrip
02/15/2017

Question:


For a road trip, would inclement driving conditions be a covered item under trip cancellation?
- Pie,
02/13/2017

Answer:


Unfortunately, our policies typically only cover Trip Cancellation due to inclement weather when traveling with a common carrier such as an airplane.
- MattG,
Customer Care insureMyTrip
02/14/2017

Question:


Are son in laws included in immediate family?
- AlT,
02/10/2017

Answer:


Typically, yes, but to be certain, please double check the definition of Family Member listed in the policy certificate.
- MattG,
Customer Care insureMyTrip
02/11/2017

Question:


My father-in-law has health problems that may or may not escalate. We had already paid the deposit for a trip in October. Would a policy with Trip Cancellation cover if we need to cancel to take care of him?
- Emily,
06/20/2014

Answer:


The number one covered reason for Trip Cancellation and Trip Interruption is the unforeseen sickness, accidental injury or death to you, a traveling companion or an 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. Please note that policies have exclusions for preexisiting medical conditions, and the best way to find out if you will be covered is to call us and speak with a customer care representative.
- ChristopherG,
Customer Care insureMyTrip
06/20/2014

Question:


We have sent in our passports for renewal, and do not expect any problems getting them back in time since it's 4 months until our trip. However, we also need them to apply for our visas. Would failure to receive these documents be covered by comprehensive? What about CFAR>
- MaryH,
06/16/2014

Answer:


Failure to receive the passports would not be covered under regular trip cancellation, but the CFAR benefit would account for this up until two days before the departure date, yes.
- David M.,
Customer Care insureMyTrip
06/16/2014

Question:


I had to pay upfront one half of my winter rental in Florida. 4,000.00 if I have to cancel this reservation will the insurance cover the deposit?
- Nancy,
04/27/2014

Answer:


Travel insurance covers Trip Cancellation due to covered reasons. The number one reason for cancellation is the unforeseen illness, accidental injury or death to you, a traveling companion or a non traveling family member. In addition to these reasons, most plans will also cover being called to Jury Duty or being subpoenaed to court, or if you are layed off from you employment (of 1-3 consecutive years depending on the policy). Cancellation will reimburse your pre-paid and non refundable trip costs, including the non refundable rental deposit.
- Lynne,
Customer Care insureMyTrip
04/27/2014

Question:


I just started chemotherapy. I would like to attend a family event in three months but am not sure if I will feel well enough to make the trip. Can I book my airline ticket now and get insurance in case I have to cancel? Thank you.
- Julia,
04/27/2014

Answer:


Unfortunately, since you are not medically fit to travel today, you would not be eligible for travel insurance. In addition, since there is a chance that you will not be well enough to travel in 3 months, cancellation is foreseen and would not be covered. However, we do have policies which have an option to add Cancel For Any Reason. To be eligible for this type of policy you must insure 100% of all pre-paid and non refundable trip costs, purchase the insurance within 10-21 days (depending on the policy) of the initial trip deposit, you cannot cancel the day of the trip or the day before, cancellation must be more than 2 days prior to your departure date, and you must be medically fit to travel on the day you purchase the insurance.
- Lynne,
Customer Care insureMyTrip
04/27/2014

Question:


If I apply for a visa to Iran and it does not get to me on time....do I get a refund for tkt? refund of change fees?
- chrisT,
04/03/2014

Answer:


Cancellation is for specific listed reasons. Not obtaining your visa ahead of time, or in a timely manner is not a reason for cancellation under any policy. The number one covered reason for Trip Cancellation and Trip Interruption is the unforeseen sickness, accidental injury or death to you, a travelling companion or an 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.
- ChristopherG,
Customer Care insureMyTrip
04/03/2014

Question:


I am an airline pilot and I fly standby, aka space available. Are there any types of coverages that will refund my prepaid accommodations expenses, if I am not able to get on a flight due to space. Thanks
- MichaelR,
03/17/2014

Answer:


Unfortunately, no, because you do not have a scheduled flight and are flying standby, possible delays and cancellations are foreseen and would not be covered.
- NicholeH,
Customer Care insureMyTrip
03/17/2014

Question:


Will cancellation due to death of a parent be covered?
- RandyR,
02/06/2014

Answer:


Yes the unforeseen death of a non-traveling family member is covered reason for trip cancellation.
- David M.,
Customer Care insureMyTrip
02/06/2014

Question:


My mother in law is 81 an scared to death to fly, my father in law is being honored in Europe as a veteran, what is at the last minute she will not go after I have purchased her ticket, can she be reimbursed.
- PatL,
12/22/2013

Answer:


Unfortunately, your concern is not a covered reason for cancellation under any policy. The only way to have some coverage would be to buy a plan that has a Cancel For Any Reason rider. Cancel for any reason would allow her to "change her mind" as you have described and receive a partial reimbursement under the insurance policy. There are 3 conditions that MUST be met to purchase a Cancel For Any Reason Rider, as follows: Purchase the policy within 14-30 days of Initial Trip Payment (policy specific); Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip must be canceled more than 2 days prior to 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. The Cancel For Any Reason will show under its own box. Please make sure to click on the underlined phrase to view the requirements to qualify for this option. If you decide to buy this Rider, make sure to click on the box near Cancel For Any Reason and hit the 'buy' button at the top or bottom of the quote. Please note that these policies are State-specific.
- ChristopherG,
Customer Care insureMyTrip
12/22/2013
I still have a question about this subject!