Frequently Asked Questions

• Q. What is the pre-existing condition waiver and how can I qualify?
  A. If insurance is purchased within 7 days of your initial trip payment, the Pre-Existing Medical Condition Exclusion will be waived. This is applicable to all coverages contained in the policy. You must be medically able to travel when you pay your premium. 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 policy is on a per person basis. Each person only needs to cover their own trip arrangements.
• Q. What does this policy cover for cancellation?
  A. The policy covers if you have an unforeseen sickness, injury or death of yourself, a family member or a traveling companion. The policy also covers for inclement weather, unforeseen labor strikes affecting public transportation, and unforeseen traffic accidents while en-route to departure.
• Q. Can you cancel your trip for any reason?
  A. Only certain unforeseen circumstances would be covered. A list of these circumstances is included in the Description of Coverage.
• Q. What happens if someone not traveling becomes ill or passes away. Is this covered?
  A. An illness 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 premium 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, 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.