Frequently Asked Questions

• Q. What is the pre-existing condition waiver and how can I qualify?
  A. If insurance is purchased with initial booking, the Pre-Existing Medical Condition Exclusion will be waived. This is applicable to all coverages contained in the plan. You must be medically able to travel when you pay your plan cost. In the event a claim is filed, the injury or illness must be substantiated to our Claims Department.
• Q. Does everyone need to purchase the insurance?
  A. Our plan is on a per person basis. Each person only needs to cover their own trip arrangements.
• Q. What does this plan cover for cancellation?
  A. The plan covers if you have an unforeseen sickness, injury or death of yourself, a family member or a traveling companion. The plan also covers for inclement weather, unforeseen labor strikes affecting public transportation, termination of employment or layoff, the Insured's principal residence or destination being made uninhabitable by fire, flood, vandalism, or natural disaster, Insured or traveling companion being supoenaed, required to serve on jury duty, hijacked, or quarantined, or a terrorist incident in a city listed on the Insured's itinerary within 30 days of the insured's scheduled arrival. For complete details, refer to the Description of Coverage.
• Q. What happens if someone not traveling becomes ill or passes away? Is this covered?
  A. An illness or death of a family member not traveling with you would be covered, however, the same pre-existing clause would apply. The definition of a family member is included in the Description of Coverage.
• Q. When does the coverage begin?
  A. The coverage for trip cancellation begins at 12:01 am the day after the plan cost is submitted. All other benefits become effective the date and time the insured starts their trip.
• Q. How do I file a claim?
  A. Call our toll-free number, 1.866.385.4839, 24 hours a day, 7 days a week. A representative will review and complete a claim form for you and explain what needs to be provided in order to pay your claim. The form will then be faxed or mailed to you for signature and to provide the appropriate documents.