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    Frequently Asked Questions

    Answers to commonly asked travel insurance questions


    • Does travel insurance cover terrorism?
      Yes. Travel insurance can cover terrorist incidents both in the United States and abroad.
    • How does trip cancellation and interruption coverage work?
      It reimburses for forfeited, nonrefundable, unused payments or deposits if the traveler must cancel or interrupt their trip due to a covered reason.
    • How much does travel insurance cost?
      The cost of travel insurance is based on the value of the trip.
    • Is the financial default of an airline, cruise line or tour operator covered?
      Yes. The Vacation Plan Deluxe plan includes financial default coverage if the program is purchased within 21 days of making the initial trip deposit. (Financial default is not covered for all suppliers. Please visit our website for details.)
    • What else is offered with the purchase of the Vacation Plan Deluxe plan?
      To boost travelers’ confidence when traveling, the Vacation Plan Deluxe plan includes LiveTravel assistance, which provides 24-hour, “911” emergency travel agency-type services in case a traveler has to change a flight or a hotel room. The plan also includes assistance with emergency cash transfers, pre-trip consultation services (travel advisories, passport requirements, inoculation information, etc.), and live messaging, which will relay any e-mail or phone message to family, friends or business associates.
    • What happens if a traveler must cancel their vacation?
      Often a traveler will lose nonrefundable deposits and prepayments that can add up to hundreds – or even thousands – of dollars. The Vacation Plan Deluxe plan can provide trip cancellation coverage for the traveler’s vacation investment – the insurance company reimburses the traveler for all pre-paid, nonrefundable expenses for a covered loss.
    • What other coverage is typically included in Vacation Plan Deluxel insurance plan?
      In addition to trip cancellation and interruption, the plan may also cover emergency medical expenses, emergency medical evacuation, trip delays, missed connections, baggage and personal effects loss and baggage delay.
    • Why should a traveler buy travel insurance?
      Travel insurance gives travelers coverage for unforeseen problems, from a cancelled flight to a serious illness—or in rare cases, even an act of terrorism or the financial default of a travel supplier. If an illness, accident, or other covered unforeseen circumstance forces travelers to cancel or interrupt their plans, they face two major financial losses—money invested in nonrefundable pre-payments, and medical expenses that in many instances may not be covered by health insurance.

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This is only a brief description of the coverage(s) available.
The Policy will contain reductions, limitations, exclusions and termination provisions. Full details of coverage are contained in the Policy. If there is any conflict between the contents of this document and the Policy, the Policy will govern in all cases. Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 175 Water Street, 18th Floor, New York, NY 10038. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. Coverage may not be available in all states.