Comprehensive Plans

Last updated on 03/27/2023

square wooden puzzle Comprehensive travel insurance plans are the most widely known form of coverage with the most trip protection coverage available for a single trip. Typically, a comprehensive plan will offer a variety of benefits for travelers, covering a wide range of concerns, such as trip cancellation and going home early, flight delay, baggage loss or damage, 24-hour assistance and some travel medical coverage.

These the most widely known travel insurance plans because they are available for nearly any type of trip for travelers of any age.

Coverage Limits

Coverage limits for comprehensive travel insurance vary between plans and dictate the maximum amount of reimbursement in case of a claim. Typically, trip cancellation and trip interruption limits directly reflect your total trip cost. Other limits, such as medical, baggage and travel delay coverage are independent of this.

Several plans also have optional benefits that can tailor coverage to your specific trip needs. For example, if you’re traveling with business or sports equipment, you may want to compare comprehensive plans that offer coverage options for these items. If you are particularly concerned about illness or injury while traveling, you may want to compare plans with more travel medical or evacuation coverage. Also, several plans offer pre-existing condition waivers, if purchased within a specific time window. These options, often available with comprehensive plans, help to allow you to find the right plan for your trip.

Plan Exclusions

Most travel insurance plans will include a list of exclusions (such as events and items) that are not covered under the listed benefits. It’s always advisable to make sure you are well acquainted with the terms of any plan you are considering. This may help you feel more comfortable that the coverage you do buy will meet your needs and help to avoid issues in the event you file a claim.

Some exclusions can include travel delays that do not meet the required minimum or expensive sports equipment needed for your trip. Also, many plans will exclude pre-existing conditions or adventure activities from medical coverage.

Another popular coverage is trip cancellation. Many plans only provide coverage for a specific list of covered reasons for cancellation. We recommend reviewing this list to be fully aware of which reasons are included and which are not. This can help you to prepare for a claims process, if necessary.

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 an Expert

I have a question about this subject!

Question:

For what reasons can I cancel a 4 month stay at a Utah home? I will be alone with a dog.

- JudyW,

11/02/2021

Answer:

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. If you wanted to still have flexibility to cancel for reasons not covered with Trip Cancellation, you can look into Cancel for Any Reason. There are typically 3 conditions that must be met to purchase a Cancel For Any Reason Rider: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, this benefit will typically reimburse you 75% of your trip cost, unless otherwise noted.

- MattG,

Customer Care insureMyTrip

11/03/2021

Question:

If the passenger who purchased the ticket dies unexpectedly, can the family obtain the full refund of the cabin (two passengers). Everyone is grieving and no one can travel in her place.

- MercedesM,

01/09/2020

Answer:

All travelers who are insured are covered to cancel the trip if one traveler is cancelling due to a covered reason, such as a death to one of the travelers or a death in the family. Trip Cancellation reimburses 100%.

- MattG,

Customer Care insureMyTrip

01/09/2020

Question:

My husband and I would like to book a condo for 59 days next year. If we had to cancel for health reasons, would we be able to get our non-refundable first installment payment back?

- MargaretM,

01/14/2019

Answer:

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%.

- MattG,

Customer Care insureMyTrip

01/15/2019

Question:

Can I get an annual policy? One of my trips is 33 days long.

- LynnM,

12/31/2018

Answer:

We do provide annual medical policies for trips that take place outside of your home country. Typically, the trips cannot be longer than 90 days per trip with most plans. To obtain a quote, please fill out the quote form with your very first trip's details and once you arrive on the results page, please click on the button labeled â€œmedicalâ€ on the bottom left and view our plans that are labeled â€œmulti trip". Our multi-trip medical plans provide both medical and medical evacuation coverage.

- MattG,

Customer Care insureMyTrip

01/02/2019

Question:

Is there any travel insurance that covers booking agency default?

- KatharineB,

09/14/2018

Answer:

Trip Cancellation does provide coverage for Financial Default of a travel supplier, such as an airline or cruise line. It does not cover Financial Default of a travel agent or booking agencies.

- MattG,

Customer Care insureMyTrip

09/17/2018

Question:

Do you insure Disney tickets in case of cancellation due to death in the family?

- StarlaC,

05/24/2018

Answer:

Yes, as long as the park tickets are prepaid and non-refundable, you can include it in your Trip Cost that you insure along with all other prepaid non-refundable travel arrangements. 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.

- MattG,

Customer Care insureMyTrip

05/26/2018

Question:

We have put a deposit on a cruise in June, 2018 and used points to already book our airfare. Can we still sign up for cruise insurance as we do not pay for the full cruise until April? How are our airline points impacted if we cancel?

- PatriciaS,

02/12/2018

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. When purchasing travel arrangements with points or miles, you can insure the prepaid non-refundable taxes and fees you paid to redeem the points or miles.

- MattG,

Customer Care insureMyTrip

02/14/2018

Question:

We are going on three different cruise lines.. Start date Nov 3-17, Nov 17-24, 2018 and Jan 30,2019 to March 4, Are we able to purchase one insurance policy?

- RobertK,

11/29/2017

Answer:

As long as you do not return home in between each cruise, this is considered one trip and you can purchase one comprehensive policy to cover your entire trip. The travel dates should reflect the date you leave home and the date you return home, and you can insure all prepaid non-refundable travel arrangements associated with all three cruises.

- MattG,

Customer Care insureMyTrip

11/30/2017

Question:

If I am going to take a cruise, what is the latest day I can purchase travel insurance before taking the cruise?

- RobertH,

11/07/2017

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 10-30 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.

- MattG,

Customer Care insureMyTrip

11/08/2017

Question:

I plan to rent a home in the Berkshires(Lenox, MA) for one month(7/8 2018 to 8/8/2018). The rental cost is about $8000. Do you have a policy to protect just that sum of money in case my wife or I have a medical problem or a death in the family and have to cancel? We are senior citizens, in excellent health with no medical preconditions.

- CharlesB,

10/06/2017

Answer:

Any of our comprehensive policies would provide coverage for this particular concern. As long as the rental is prepaid and non-refundable, you can insure it. 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.

- MattG,

Customer Care insureMyTrip

10/07/2017

Question:

Do you have a comprehensive travel insurance for expats(Non-US citizen) in China going to the US for a summer course program?

- Grace,

06/20/2017

Answer:

Unfortunately, our comprehensive policies are only available to U.S residents who are departing from and returning to their home in the United States.

- MattG,

Customer Care insureMyTrip

06/26/2017

Question:

What does waiver of pre-existing condition mean? I plan to travel on Sept 20 to Europe. I was born on 07 Oct 1941. I have pre-existing health conditions but have been controlled for several years. I plan to get a comprehensive travel insurance.

- LuzvismindaG,

06/07/2017

Answer:

Most Comprehensive Plans will offer a waiver of pre-existing conditions if you meet the following conditions: You purchase the policy within 10 to 21 days of making your first trip payment; insure ALL prepaid non-refundable expenses prior to your departure date; and be medically fit to travel the day you purchase the policy. If the reason you are canceling, interrupting or seeking medical coverage is related to pre-existing conditions there will be no coverage, unless you have the waiver. A Pre-Existing Condition is any treatment, diagnostic tests or exams, any recommendations for diagnostic test or exams, or any adjustments in medication up or down within the pre-existing condition period stated (depending on the company, 60 â€“ 180 days prior to the effective date).

- MattG,

Customer Care insureMyTrip

06/10/2017

Question:

What country do I put if I am traveling to multiple countries while on vacation to be covered for medical insurance for the entire trip?

- Sami,

06/05/2017

Answer:

Please list the first destination or the destination where you are spending the most of your time in.

- MattG,

Customer Care insureMyTrip

06/05/2017

Question:

If we purchased a tour package and before or during the trip one of our parents or a relative becomes very ill (or dies) and we have to cancel our trip or return home early what will travel insurance cover?

- LydiaV,

05/29/2017

Answer:

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. If you had to cancel the trip for a covered reason, you are reimbursed 100%. If you had to interrupt the trip for a covered reason, you are reimbursed the unused portion of your trip cost depending when the trip is interrupted.

- MattG,

Customer Care insureMyTrip

06/01/2017

Question:

My wife and I are traveling to Orlando, FL July 1-8 to attend grandson's baseball team tournament play. The airfare will be booked by us while the rooms at Disney are being booked by the team and we will have to reimburse them for that cost. Will trip insurance cover that portion of the trip if it is not paid directly to Disney by us?

- Bryon,

05/17/2017

Answer:

Yes, as long as you can prove that you reimbursed the travel supplier for the cost of the accommodations, you can insure that travel arrangement provided that it is prepaid and non-refundable.

- MattG,

Customer Care insureMyTrip

05/17/2017

Question:

mother in law has health issues, we are going on trip pre- planned out, what if she gets ill before we leave on trip, and we cannot go?

- johnH,

03/25/2017

Answer:

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. This applies to all of our comprehensive plans.

- MattG,

Customer Care insureMyTrip

03/27/2017

Question:

We travel several times each year to various places and don't have a lot of equipment, etc. Mainly just want a policy that will cover major medical situations for the whole year, just in case, since we are 62 years old (although we are healthy and active now). Is it better to buy a separate evac policy? Is there a good option that we have not thought of?

- Trisha,

03/18/2017

Answer:

We do provide annual medical policies for trips that take place outside of your home country. Typically, the trips cannot be longer than 90 days per trip with most plans. To obtain a quote, please fill out the quote form with your very first trip's details and once you arrive on the results page, please select the medical tab and view our plans that are labeled â€œmulti trip". Our multi-trip medical plans provide both medical and medical evacuation coverage. You do not need to buy a separate evacuation policy unless you wanted the extra coverage.

- MattG,

Customer Care insureMyTrip

03/21/2017

Question:

Do any of your policies cover Veterinary students when they go abroad to do working with wildlife or working with a wildlife vet? If you do provide cover for working with wildlife does that also include work with lions?

- DawnP,

03/12/2017

Answer:

We should be able to provide coverage for this, however, some policies may have specific exclusions for this type of activity. Please check the exclusions section of the policy certificate accordingly, and please do not hesitate to call us and any representative will be happy to go over the details with you thoroughly.

- MattG,

Customer Care insureMyTrip

03/14/2017

Question:

Two senior citizens traveling to Williamsburg for 4 days in early April. Room rate unrefundable if we cancel the trip, to the tune of $600+. Can we purchase travel insurance to cover the possibility of having to cancel this trip due to ill health of one of the travelers? Lodge does NOT offer prospect of cancelling reservation 24 hours prior to arrival.

- JudyP,

03/12/2017

Answer:

Yes. 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. This applies to all comprehensive plans.

- MattG,

Customer Care insureMyTrip

03/14/2017

Question:

Is there a policy that covers the land tour plan which is purchased separate from the flight portion? Also can you purchase the cancel for any reason when making deposits on land portion of trip and just today purchased flight portion.

- KayS,

02/15/2017

Answer:

All of our comprehensive plans will cover a prepaid non-refundable land tour even if it was purchased separate from the airfare. There are 3 conditions that must be met to purchase a Cancel For Any Reason Rider as follows: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, most of the policies will reimburse you 75% of your trip costs, unless otherwise noted.

- MattG,

Customer Care insureMyTrip

02/16/2017

Question:

Tours may be include airfare or be land only. I am adequately protected financially for risks related to my flights. Is there any travel insurance that is for land-only tour packages?

- LenP,

02/08/2017

Answer:

We do not have any specific tour / land only policies at this time, unfortunately, however, you can still purchase a comprehensive plan to cover the cost of a prepaid non-refundable tour or land excursion.

- MattG,

Customer Care insureMyTrip

02/09/2017

Question:

Is it possible to get insurance which includes coverage for non-refundable event costs (theatre tickets, sporting event tickets, and so on)?

- PaulB,

02/03/2017

Answer:

With most of our providers, as long as the travel arrangements are prepaid and non-refundable, you can insure the cost of these arrangements with our comprehensive plans. These plans offer Trip Cancellation and other travel protection benefits.

- MattG,

Customer Care insureMyTrip

02/06/2017

Question:

Can trip cancellation, interruption, delay be purchased without medical and evacuation coverage?

- J.,

01/28/2017

Answer:

Unfortunately, we are unable to remove the Medical coverage or any benefit from the comprehensive plans.

- MattG,

Customer Care insureMyTrip

01/30/2017

Question:

Going on a cruise as a single person. each paying half of the cost of the stateroom. and one cancels the trip. How would the other person be guaranteed the same room without paying the others cost. For instance I pay 2,000 and my roomate pays 2,000. and she cancels. I would like to still keep the same room and not pay her share.

- Anita,

11/14/2016

Answer:

When viewing quotes, please click on the amount listed under Trip Cancellation to view the covered reasons for Trip Cancellation. In this window that opens up, most policies will include wording regarding Single Supplement Coverage. Please see below: Single Supplement Benefits will be paid, up to the Maximum Benefit Amount, for the additional cost incurred as a result of a change in the per person occupancy rate for Prepaid Travel Arrangements if a Traveling Companionâ€™s or Family Memberâ€™s Trip is canceled for a covered reason and You do not cancel Your Trip. These benefits will not duplicate any other benefits payable under the Policy or any coverage(s) attached to the Policy. Please keep in mind, benefits can be state specific and the wording can vary depending on where you reside.

- MattG,

Customer Care insureMyTrip

11/21/2016

Question:

1) what are "covered reasons" for CFAR policies? 2) i'm approaching the 14 day timeframe to purchase CFAR policy. Are there any other options available?

- PB,

04/29/2014

Answer:

Cancel for any reason does not use covered reasons. The CFAR benefit lets you change your mind about the trip, doesn't matter what for. And yes, there are other plans that allow 21 days for cancel for any reason. If you get a quote on our website, there will be a filter available to only show the options with cancel for any reason.

- David M.,

Customer Care insureMyTrip

04/29/2014

Question:

What travel insurance policies apply if travel (to USA) has already commenced? For Australian residents.

- NealeT,

02/15/2014

Answer:

We only offer Medical Plans to residents of other countries. You may enter your information in the quote form online to obtain the plans available to you. Or you may call us at 1-800-487-4722 and we would be happy to assist you with a quote over the telephone.

- NicholeH,

Customer Care insureMyTrip

02/15/2014

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