Travel insurance is not a significant commitment, but it is the best one you can make when traveling. That said, if you don’t understand the policy you purchased, you could be giving yourself a false sense of security.
You can avoid future claims frustrations by thoroughly reading and understanding the benefits and coverage outlined in the policy. Some providers even offer a review period, allowing you to go over the intricacies of the policy and giving options to cancel and change plans if the current one does not meet your needs.
Every plan is different from another. There is no cookie cutter way to explain a plan, but you should focus on critical components of the plan to review.
Travel Insurance Plan Details to Understand
- Benefits included in your policy
- Coverage limits, so you know exactly how much protection you have
- Company reasons and thresholds, which vary by insurance plan and provider
- Exclusions, which are crucial to a streamlined claims process
- Contact information for the provider, in case you need assistance or to file a claim
While the documents can be lengthy and filled with legal jargon, licensed InsureMyTrip representatives are ready to answer any questions you may have regarding a policy. We encourage you to ask questions during the buying process as well as during the review period if your policy has one. Be sure your plan covers all your needs and all your travelers to ensure your total protection.
Disclaimer: The information contained in this article serves as a general overview of benefits and should only be used for informational purposes. Refer to your individual certificate of insurance for specific coverages, exclusions and benefits. When in doubt, please contact one of our licensed agents for additional assistance.
Ask a Question
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Question
I bought airline tickets for April 2019 . Is it too late to have those covered?
By KimS - February 12, 2019
Answer
You can purchase most policies up until the day before departure, however; you may not be eligible for some time sensitive benefits if you do not purchase within 10-21 days of the initial trip deposit/payment. Some time sensitive benefits are, but not limited to: Pre-Existing Condition Waiver, Financial Default, Terrorism, Cancel For Any Reason and Cancel For Work Reasons. The Initial Trip Payment is the very first time any money was exchanged for your trip. This would include the use of frequent flyer miles.
By MattG - February 12, 2019
Question
My initial payment was in May 2019. The trip is in January 2020. Can we still buy the insurance now when we did not purchase it in the 10-21 days mentioned in your website's advice? Also, will we be reimbursed for the whole cost of the trip or just a portion?
By SandyH - November 17, 2019
Answer
You can purchase most policies up until the day before departure, however; you may not be eligible for some time sensitive benefits if you do not purchase within 10-21 days of the initial trip deposit/payment. Some time sensitive benefits are, but not limited to: Pre-Existing Condition Waiver, Financial Default, Terrorism, Cancel For Any Reason and Cancel For Work Reasons. Trip Cancellation reimburses 100% with all comprehensive policies.
By MattG - November 18, 2019
Question
When should I purchase my insurance if my trip is going to be on July 2022?
By SusanaO - April 2, 2021
Answer
You can purchase most policies up until the day before departure, however; you may not be eligible for some time sensitive benefits if you do not purchase within 10-21 days of the initial trip deposit/payment. Some time sensitive benefits are, but not limited to: Pre-Existing Condition Waiver, Financial Default, Terrorism, Cancel For Any Reason and Cancel For Work Reasons.
By MattG - April 5, 2021
Question
Does travel insurance cover illness and hospitalization if it happens while on vacation
By Vanessa - October 28, 2021
Answer
Yes. The comprehensive policies and medical policies include medical and medical evacuation coverage for unforeseen illnesses and accidental injuries that require medical attention or hospitalization during the trip.
By MattG - November 3, 2021
Question
If I am taking a cruise on a Carnival ship do I have to purchase my trip/travel insurance through carnival?
By DonnaH - February 1, 2022
Answer
No, you are not required to purchase insurance through the travel suppliers unless they specifically say you have to. You can purchase a comprehensive policy through our website to cover ALL prepaid non-refundable travel arrangements, not just the cost of the cruise. Comprehensive Plans are the most widely known form of coverage and are often called package plans. Typically, a Comprehensive Plan will offer a variety of benefits for travelers, covering a wide range of concerns. Most provide coverage for Trip Cancellation, Trip interruption, Baggage loss, Medical, Dental, Emergency Evacuation, 24 Hour Traveler Assistance, Baggage Delay, Travel Delay, and Accidental Death.
By MattG - February 1, 2022
Question
Is cancellation due to the death or illness of a family member that is not going on the trip covered? I have a 90 yo mother and two grown children. If something were to happen to any of them, I may need to cancel or postpone our trip and want to know if that is a covered situation. Thank you.
By Victoria - June 19, 2024
Answer
Yes, Trip Cancellation extends to non-traveling Family Members as well. The number one covered reason for Trip Cancellation and Trip Interruption is the unforeseen illness or injury of you or a traveling companion that deems you unfit to travel, by order of a licensed physician; or the unforeseen hospitalization or death of a family member. To see all of the covered reasons to cancel or interrupt your trip, please click on the dollar amount that appears under the words "Trip Cancellation" when viewing a quote. Trip Cancellation reimburses 100%.
By MatthewG - June 26, 2024