I have a question about this subject!

Question:


What happens if my travel agency goes out of business with out paying for my trip ?
- RobertL,
03/25/2020

Answer:


Typically, comprehensive plans do not cover the bankruptcy or financial default of the travel agency that you purchased your travel arrangements through. Some plans may include Financial Default coverage for the default or bankruptcy of a travel supplier (airline, cruise line, tour operator) which causes complete cessation of travel services, and no other transportation is available. There are a few eligibility requirement associated with financial default coverage, meaning you may need to purchase your plan within 10-21 days of making your initial trip payment, and this particular coverage typically goes into effect 10-14 days after the policy becomes effective.
- Meghan,
Product insureMyTrip
03/26/2020

Question:


Does cancel for any reason cover travel cancellation or the Corona Virus?
- KarlaC,
03/17/2020

Answer:


You can cancel for any reason whatsoever with this benefit, as long as you qualify. 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
03/17/2020

Question:


Does your Travel Guard policy reimburse for the non refunded portion of Prepaid Stays with VBRO and Airbnb? The Corona Virus has us effectively locked down.
- MarthaE,
03/15/2020

Answer:


We can only suggest looking into "cancel for any reason" as this is considered foreseen at this time. 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. To view policies that offer this benefit, if you qualify, click on the "cancel for any reason" filter on the left side of the quote results page. If you are outside that time frame this benefit is not going to be available.
- MattG,
Customer Care insureMyTrip
03/16/2020

Question:


traveling out of country but no primary health medical insurance covering abroad, will your medical secondary insurance provide coverage for a medical problem abroad like an appendix attack or a bad flu?
- DavidA,
03/09/2020

Answer:


Travel insurance plans that include emergency medical coverage are designed to cover you for unforeseen illness or injury that occurs during your trip. It is important to review any pre-existing condition look-back periods as well as other coverage exclusions.
- Meghan,
Product insureMyTrip
03/12/2020

Question:


If you have to cancel your trip due to a pre-existing condition, will you still get reimbursed?
- Vivian,
11/19/2019

Answer:


Most Comprehensive Plans will offer a waiver of pre-existing conditions if you meet the following conditions: You purchase the policy within 10 - 21 days of making your first trip payment; insure ALL prepaid non-refundable expenses prior to your departure date; and be medically fit to travel the day you purchase the policy. To view policies that include this coverage, please click the "pre-existing conditions waiver" filter on the quote results page.
- MattG,
Customer Care insureMyTrip
11/20/2019

Question:


Must you submit a claim to your medical health insurer first, before submitting claim to travel insurance carrier?
- DebbieM,
01/18/2019

Answer:


If the travel insurance policy that you purchase offers benefits that are listed as "secondary", you would first file a claim with your existing insurance first before filing a claim with the travel insurance provider. Primary coverage will pay FIRST, before any other collectible insurance. Secondary coverage will pay you after any other Primary collectible insurance has paid the claim and the Primary policy's limits have been exhausted.
- MattG,
Customer Care insureMyTrip
01/19/2019

Question:


Can I purchase insurance after I have bought my airline tickets already? Or do I have to have it before I purchase tickets?
- JasonL,
09/18/2018

Answer:


As long as you have made a payment or deposit, or any financial commitment towards the trip, you can purchase a comprehensive policy. 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
09/19/2018

Question:


Do the listed prices cover the trip ( two people) or is the price per person on the trip?
- AURORA,
03/14/2018

Answer:


The price for the insurance is total for all travelers listed, not per person.
- MattG,
Customer Care insureMyTrip
03/15/2018

Question:


Can I insure our trip that is purchased using air-miles, rather than $$? If so, what would need to be provided by me for reimbursement if a claim became necessary?
- GeraldS,
09/04/2017

Answer:


When purchasing travel arrangements with miles or points, you can only insure the taxes and fees you paid to redeem the miles or points, if the taxes and fees are prepaid and non-refundable prior to departure. Most policies will cover up to a specified amount listed in the certificate to redeposit the miles or points back in to your account if you had to cancel your trip for a covered reason. You would have to submit proof of payment as well as an itinerary to the claims department, and any other supporting documentation they may request at that time.
- MattG,
Customer Care insureMyTrip
09/07/2017

Question:


If sick and cannot fly back home as scheduled, will I get reimbursed when I change my reservation?
- JulieS,
06/20/2017

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. With Trip Interruption, you are reimbursed the unused portion of your trip cost and with most policies, they will help out with some last minute expenses you incur when returning home early for a covered reason.
- MattG,
Customer Care insureMyTrip
06/26/2017

Question:


If I need to cancel my trip, do I need to contact airlines,cruise lines,hotels etc?
- RonaldL,
05/31/2017

Answer:


We generally suggest contacting the claims department first for guidance and directions on how to file your claim correctly. The claims department contact information can be located in your confirmation of coverage email you received after purchasing the policy.
- MattG,
Customer Care insureMyTrip
06/01/2017

Question:


Do the policies cover non-refundable airfare?
- MariettaC,
03/29/2017

Answer:


Yes, as long as the airfare is prepaid and non-refundable, you can insure the cost with our comprehensive plans.
- MattG,
Customer Care insureMyTrip
04/01/2017

Question:


Does trip cancellation cover the death of a brother in-law?
- Steve,
02/28/2017

Answer:


Generally, in-laws are considered Family Members, but to be certain, please double check the definition of Family Member located in the policy certificate.
- MattG,
Customer Care insureMyTrip
03/01/2017

Question:


I want to take a trip to Europe in May with my 31 year old daughter. She has a pre existing medical condition that requires hospitalization approximately twice a year. Do you have a trip insurance that would cover her pre existing condition?
- Grace Anne M,
02/14/2017

Answer:


Most Comprehensive Plans will offer a waiver of pre-existing conditions if you meet the following conditions: You purchase the policy within 10 to 21 days of making your first trip payment; insure ALL prepaid non-refundable expenses prior to your departure date; and be medically fit to travel the day you purchase the policy. However, we highly recommend calling us and speaking with a representative for these kinds of concerns since the coverage can vary between each policy and benefits can be state specific.
- MattG,
Customer Care insureMyTrip
02/15/2017
I still have a question about this subject!