Travel Protection
Safeguard your adventures and travel investments with the right coverage
What Is Travel Protection?
A way to help protect your travel investments, belongings, health and safety, and other losses related to travel.
How Does It Work?
An incident occurs
Contact your travel protection provider
Start a claim
Get reimbursed for eligible claims
How to Get a Quote
Info You Need to Get a Quote
- Number of Travelers
- Age of Travelers
- Trip Dates
- Total Trip Cost
What Do I Include on My Trip Cost?
- Pre-Paid, Non-Refundable Expenses
- Including Accommodations, Flights, Tours, Cruises, & Excursions
When you purchase a plan, make sure your trip cost is accurate!
Who Could Buy Travel Protection?
Travelers of all kinds, such as...
Available Travel Coverage
*Available as a covered reason for Trip Cancellation and Trip Interruption coverages in some plans.
Top Reasons for Purchase
Travelers may often worry about...
Cancellation
If forced to cancel their trip, travelers may want reimbursement for their pre-paid, non-refundable costs.
Medical Coverage
Especially when going abroad, travelers may become concerned about potential medical expenses.
Personal Belongings
Many travelers have concerns about loss or theft of their baggage and important items, like a passport.
Things You May Want to Keep in Mind
Health Insurance
Your ordinary insurance plans may not offer coverage abroad, or they may have lower limits.
Medicare
In most situations, Medicare may not offer medical coverage outside of the U.S.
Credit Cards
Credit cards may have some travel coverage built in, but some may not provide as many benefits as those provided by a third-party provider.
Cruise Lines
Cruise lines may offer their own protection plans, but you can help protect your cruise with a plan from a third-party provider that may be more extensive.
"What If" Scenarios to Consider
Would you be able to handle these situations without the help of travel protection?
Are you prepared to pay for medical expenses if you have an accidental injury on your trip, or for medical evacuation from a foreign country?
See the Difference Protection Makes
A real-world scenario showing why travel protection matters
Marvin and Mark are 30-year-old twin brothers going on a 7-day cruise. Unfortunately, their trip was not all fun and games.
Marvin
Wants to protect his cruise trip with travel protection.
Travel Protection: $77
Mark
Doesn't think he'll need to use travel protection.
Travel Protection: $0
Trip Delay
The cruise ship was delayed until the next day. The brothers had to get a hotel, purchase three meals, and take a cab to the cruise port. The cost for hotel, meals, and transportation was $150 for each of them.
Stomach Bug
On the day of an excursion, Marvin and Mark came down with a stomach bug. They saw a doctor and got medication, for a total bill of $200 each.
Missed Excursion
Because Marvin and Mark were too ill to do much of anything that day, they had to miss their excursion, which each of them had already paid $100 for.
Marvin's Final Trip Total
Mark's Final Trip Total
The Dos and Don'ts
Be upfront about pre-existing conditions
Compare plans to get the coverage you need most
Read through the plan or terms and conditions to understand your coverage
Pick the cheapest plan only because of the price
Give inaccurate details when purchasing a plan
Avoid travel protection just because it's an additional cost
Is It Cost Effective?
Look at your travel protection quote differently to make more sense of it.
Find the Cost Per Day
- Get your quote
- Divide it by the number of days you'll be traveling
- Now you have the cost per day of trip coverage
Trip Cost: $3,000
Trip Length: 10 days
Plan Cost: $144
$144 ÷ 10
= $14 per day for trip coverage
Find the Percentage
- Get your quote
- Divide it by your total insured trip cost
- Now you know what percentage travel protection is for the total insured trip cost
Trip Cost: $3,000
Trip Length: 10 days
Plan Cost: $144
$144 ÷ $3,000
= 4.8% of your trip cost
Other Services Included in a Third-Party Plan
Non-insurance travel assistance services
Understanding Pre-Existing Conditions
Travel Insured's travel protection plans can provide benefits even if your loss is caused by a pre-existing condition.
Travel Insured defines a Pre-Existing Condition as an illness, disease, or other condition to any of the following during the "look back" period:
- You or your traveling companion
- Your family member
- Your business partner
See the Plan Document for the complete definition.
Travel Insured plans contain a Pre-Existing Conditions Exclusion which may have an impact on insurance coverage.
Refer to the Plan Document for the complete Pre-Existing Condition Exclusion.
The "look back" period is the time frame prior to the date your coverage is effective. If a pre-existing condition occurs within the "look back" period, it is excluded from your coverage unless you qualify for the Waiver of the Pre-Existing Condition Exclusion.
The exact "look back" period varies by plan.
In many Travel Insured plans, the Pre-Existing Condition Exclusion can be waived if:
- The plan is purchased within the specific time frame specified in your Plan Document
- You are not disabled from travel at the time you pay for the plan
Ready to Protect Your Next Trip?
Our travel advisors can help you find the right travel protection plan for your specific trip. Don't leave your investment unprotected.
Request a Quote