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Frequently Asked Travel Insurance Questions

Find answers to common travel questions including details about hundreds of travel insurance plans from the best providers. If you have a question not on this list, please email us and we'll get back to you asap - CLICK HERE

Travel insurance policies provide at least six types of coverage, intended for different types of travellers and trips. We can insure any situation, citizen or non-citizen, in-bound or out-bound USA.

What is the last possible date I can insure my trip?

You can buy coverage up to one day before you start your travel. There are, however, real advantages to buying sooner including pre-existing conditions situations and extended trip-cancellation protection because there is no additional charges for buying early.

I paid for part of my vacation, but not the flight. I would like to purchase travel coverage within the pre-existing condition waiver period. Do I have to wait until the flight is also booked?

You can certainly purchase your travel coverage right away. You will want to include the cost of your flight tickets into the total trip cost. An estimate will suffice when you purchase the policy now with the (estimated and confirmed) costs expended to date and then modify the policy at a later date. If there is any additional costs, as a result of the change, it can be assesed at that time.

Make sure you do all of this within the important 7 - 21 day purchase window (varies by company) to comply with the pre-existing condition waivers.

What if I want to cancel a policy I purchased? Do I incur any penalties?

Most companies allow a "free look" period, allowing you to review coverage. If you cancel during that period, there is no fee. If not, there will be a small, processing fee, usually under $10.

I have not received a copy of my travel insurance policy in the mail yet.

Do not worry, your coverage is in full force from the time that you buy it. All the necessary information you need to file a claim, came to you in the confirmation email. All of the policy and contact information is included in that email. Policies are normally sent out within 24 hours of purchase by the respective insurance companies.

If you have not received your policy in 14 days, please email us confirming your correct mailing address. And we will request that the policy be sent out again.

Will travel insurance cover airline flights purchased with frequent flyer miles?

Generally no. The insurance companies will not insure tickets purchased with reward points or miles, because no money has been exchanged. Although, you should buy adequate trip interruption coverage in this case. This coverage should include the costs of any non-refundable land transportation and an economy flight ticket home.

Is it possible to insure the rental of a house or condo?

All of the companies on our website will provide reimbursement of villa, condo or other rental property as long as their is a written agreement/contract between the insured and the renter. Reimbursement of your pre-paid cost will be made if the trip cancellation or interruption was caused by a peril named in the policy.

What does travel protection cover?

The insurance component of travel protection assures that you'll be reimbursed for non-refundable financial expenses associated with a cancelled or interrupted trip, lost baggage, or medical emergencies (Exclusions may apply, depending upon the policy you purchase).

Why shouldn't I wait until a time closer to departure to buy insurance?

Some suggest you purchase travel insurance when the cancellation penalties for your trip become effective. The theory is that you won't have a loss because your pre-payment will be refunded and you shouldn't spend more money than necessary. However, the longer you wait, the greater chance you (or an immediate family member or traveling companion) may develop a "pre-existing medical condition" or another foreseeable event, which wouldn't be covered by the plan.

I input my family's ages into the quote screen. Is the price quoted per person or for all travelers?

The quoted premium is the total cost for all traveler ages entered. The benefits illustrated on the Quote are per person benefit limits.

There are so many plans available. How do I select the plan that is right for me?

SquareMouth.com is our partner and provides a user-friendly comparison engine designed to simplify the complexity of travel insurance. Answer a few simple questions and we will provide you only with the available plans meeting your requirements. You are able to sort the information to achieve the results you desire. Our side-by-side plan comparison allows you to make an informed decision regarding the best plan for you.

There are so many plans available. How do I select the plan that is right for me?

SquareMouth.com is our partner and provides a user-friendly comparison engine designed to simplify the complexity of travel insurance. Answer a few simple questions and we will provide you only with the available plans meeting your requirements. You are able to sort the information to achieve the results you desire. Our side-by-side plan comparison allows you to make an informed decision regarding the best plan for you.

How do I determine the total cost of the trip?

To determine the insurable cost of the trip, add together the cost of all of your non-refundable pre-paid trip arrangements.

Where do I file a claim?

You are given the specific claim contact information when you purchase the plan of your choice

Can I buy travel protection without any trip cancellation coverage?

Yes, you can choose a plan that excludes this coverage but still includes a full range of benefits to protect you during your trip, including coverage for: trip delay, medical evacuation/ repatriation, baggage and baggage delay, itinerary change and much more!

Can I cancel my trip for any reason and get all my money back?

We now have policies which allow you to "cancel for any reason" and get a reduced amount refunded (75% - 90% depending on product) in the event you cancel for a non covered reason. To be eligible for these products, certain conditions must be met which include: purchasing insurance within 14 days of your initial trip deposit, insuring the full prepaid trip costs and you must cancel 2 days or more prior to your departure date.

How do the pre-existing conditions exclusion and waiver work?

A pre-existing condition is any injury or illness that is in existence 60 to 180 days (depending on product purchased) prior to and including the date your insurance coverage goes into effect. For most policies, if the condition is controlled (that is, if you don't need to change your medication or treatment during the 60-180 day period), it's not considered a pre-existing condition. You can waive this exclusion under certain policies if you purchase within 10 - 21 days, depending on the policy you purchase, of paying your initial deposit for the trip. There are a few policies which will waive the pre-existing exclusion if policy is purchased prior to making the final trip payment.