Travel Insurance FAQ's
Do you sell "cancellation-only" insurance? Although
several of our plans include trip cancellation, we don't currently offer a
What is the optional "Cancel For Any Reason" benefit and how does it work? With the "Cancel For Any Reason" benefit option, you can cancel your trip for any reason not otherwise covered by the policy and be reimbursed for 75% of the prepaid, forfeited, non-refundable payments or deposits you paid for your trip. To be eligible for this coverage:
1) your enrollment form and your premium payment must be received (or, if mailed, must be postmarked) within 15 days of the date your first deposit or payment for your trip is received; and
2) you must insure all prepaid trip costs that are subject to cancellation penalties or restrictions.
Important: If any subsequent arrangements are added to the trip by either you or your travel agent, you must insure those arrangements as well within 7 days of the payment for those arrangements.
3) You must cancel your trip 2 days or more before your scheduled trip departure date and call our claims office at (888) 411-5378.
What are Pre-Existing Conditions and can a Pre-Existing Condition be covered by TravelSafe? Medical conditions for which there is treatment; or a recommendation for treatment, diagnostic test or exam; or for which drugs or medicine are prescribed during the 60 day period prior to your effective date with TravelSafe are considered Pre-Existing Conditions. This means we look back 60 days prior to the date you purchased the insurance, which is significantly less than many of our competitors.
Important: The policy exclusion for Pre-Existing Conditions will be waived, if:
1) your enrollment form and your premium payment is received (or, if mailed, is postmarked) within 15 days of the date your initial trip deposit is received;
2) you insure all prepaid trip costs that are subject to cancellation penalties or restrictions (see Enrollment Form for more details); and
3) you are not disabled from travel at the time you pay your premium.
Unless you meet the Pre-Existing Conditions Waiver requirements detailed
above, the policy does not cover your Pre-Existing Conditions and those of
a traveling companion or an immediate family member traveling with you. Unlike
some of our competitors, however, our Pre-Existing Condition requirements
apply only to travelers, not to non-traveling family members.
Note: Medical conditions that are treated or controlled solely with medication and remain treated or controlled without an adjustment or a change in medication during the 60 day period prior to your effective date are not considered to be Pre-Existing Conditions. See the TravelSafe policy complete details about Pre- Existing Conditions
What if I don't want to take my trip because of recent terrorist attacks? TravelSafe allows you to cancel or interrupt your trip due to terrorist attacks, subject to the following conditions:
1) The terrorist act must occur in your departure city or in a city which is a scheduled destination for your trip, provided the terrorist act occurs within 30 days of the scheduled departure date for your trip, and
2) your enrollment form and your premium payment must be received (or, if mailed, must be postmarked) within 15 days of the date your initial trip deposit is received.
Am I covered if the airline or cruise line with which I have booked ceases operations or becomes financially insolvent? TravelSafe covers Pre-Departure Trip Cancellation or Post-Departure Trip Interruption due to financial insolvency (as defined in the policy) of an airline, cruise line or tour operator if:
1) the financial insolvency is not of the person, organization or firm from whom you directly purchased or paid for your trip
2) the financial insolvency occurs more than 15 days following your effective date for the Pre-Departure Trip Cancellation Benefits
3) your enrollment form and your premium payment is received (or, if mailed, is postmarked) within 15 days of the date your initial trip deposit is received.
Important: There is no coverage for any claim arising from either: 1) a financial insolvency which occurs before your effective date of coverage, or 2) a filing of a petition for bankruptcy which occurs before your effective date of coverage.
What happens if my flight is canceled? TravelSafe protects you in several ways. If your flight is canceled due to bad weather, mechanical breakdown of the aircraft on which you are scheduled to travel or an organized labor strike (provided the strike occurs after you pay your premium) you can take a later flight.
You will be reimbursed for the additional transportation expenses to join your trip, less any refunds paid or payable for your original tickets and not to exceed the cost of one-way economy airfare, or first class if your original tickets were first class.
Plus, you will be reimbursed for the cost of any unused land or water travel arrangements.
What if bad weather is predicted where I plan to travel? Will TravelSafe cover me if I cancel my trip? The Pre-Departure Trip Cancellation Benefit covers cancellation of the insured's trip within 24 hours of the Insured's scheduled departure date and time if his/her trip destination is under a hurricane warning issued by the NOAA National Hurricane Center, provided the cancellation of the insured's trip occurs more than 15 days following the insured's effective date of coverage for the trip cancellation benefits. Other than this, the policy does not provide coverage if you cancel your trip based upon what might happen.
If, prior to departure or while on your trip, your hotel or resort is damaged or closed due to bad weather and the hotel or resort cancels your reservation (and cannot provide you with comparable accommodations elsewhere), you will be covered. See the TravelSafe policy for complete details of this coverage.
Should I purchase insurance for the total pre-paid, non-refundable cost of my trip? Yes. You should determine your premium amount based upon the total cost of your trip per person, including airfare. You do not need to include the cost of any travel arrangements that are refundable and not subject to cancellation charges or restrictions.
If you insure an amount less than your total prepaid trip costs that are subject to cancellation penalties or restrictions:
1) the maximum benefit for the Pre-Departure Trip Cancellation and/or Post-Departure Trip Interruption will be limited to the amount of coverage you purchased; and
2) there will be no coverage available under the optional Cancel For Any Reason benefit, if purchased. Also, there will be no waiver of exclusion for Pre-Existing Conditions, as well as no coverage for financial insolvency or for a terrorist act.
What happens if my bags do not arrive at my destination when I do? What do I do? TravelSafe covers all baggage delays of 12 hours or more during your trip. You will be reimbursed for personal articles you buy (such as toiletries, a change of clothing, etc.) up to $250. Be sure to keep receipts for anything you purchase. TravelSafe will also track your delayed or lost baggage for up to one full year, if requested.
If I require medical care while on my trip, are my medical bills covered?TravelSafe provides coverage up to $100,000 for medical expenses resulting from an illness or injury during your trip. We even cover medical expenses for up to 1 year after your injury or illness. If you must be medically evacuated to another facility or home, TravelSafe provides coverage up to $1,000,000, plus you can choose your evacuation hospital. See TravelSafe policy for complete details of this coverage.
TravelSafe includes a 24-hour worldwide assistance service to help you with medical or legal emergencies during your trip. See the TravelSafe policy for complete details of this service.
Does TravelSafe cover my frequent flyer miles? Frequent flyer miles are not covered if you must cancel or interrupt your trip. If you cancel your trip for a covered reason, you will only be reimbursed the money actually paid for the trip. However, TravelSafe does reimburse up to $150 toward the cost of an airline-imposed change or reissue fee if your trip is cancelled by your travel supplier, plus up to $150 toward fees to re-bank frequent flyer miles.
Who may purchase TravelSafe Vacation Insurance? TravelSafe Vacation Insurance is available exclusively to citizens or legal residents of the USA or Canada. Eligibility for purchase will be confirmed on all claims. If it is determined that a person is not a citizen or legal resident of the USA or Canada, his/her claim will be denied and premium will be refunded.
I don't have travel insurance, but something just happened that forces me to cancel my trip. Can I buy your insurance to cover my trip cost, then file a claim to get my money back? No. That is insurance fraud, and will get you in a lot of trouble. Travel insurance covers unforeseen circumstances which occur after your policy is in effect. If you're even thinking about trying to commit insurance fraud, we urge you to reconsider and remember that the consequences are very severe.