Trip Cancellation

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If your visa is denied or your trip is cancelled prior to the effective date of the medical policy, you can request to have it cancelled. You are fully refunded the premium paid if you cancel prior to the effective date.

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Standard comprehensive travel insurance plans will not cover cancellation due to lack of enrollment. In this instance, you would want to look at a policy with optional Cancel For Any Reason protection selected. There are some eligibility requirements for this coverage, such as insuring 100% of pre-paid, non-refundable trip costs, purchasing your coverage within 10-21 days after making your initial trip payment/deposit, and you must cancel your trip no less than 2 days prior to departure. Cancel For Any Reason can reimburse a portion, typically up to 50%-75%, of your trip cost depending on the plan purchased. A policy with Cancel For Any Reason can cost an additional 40%-60% more than a standard policy, is not available in all states, and eligibility requirements may differ by company. If you would like assistance finding a plan that best fits your needs, you can call our Customer Care department at 800-487-4722 to speak with a licensed travel insurance representative.

Answer:

Some standard comprehensive travel insurance plans do exclude pandemics, and on others you may only be covered if you contract the virus after coverage goes into effect and a physician says you can't travel. It is important to read the policy document to see what is covered and what is excluded. If fear of travel or government shutdowns/boarder closings are your main concern, you would want to purchase a comprehensive plan with optional Cancel For Any Reason coverage selected. There are some eligibility requirements for this coverage, such as insuring 100% of pre-paid, non-refundable trip costs, purchasing your coverage within 10-21 days of your initial trip payment, and you must cancel your trip no less than 2 days prior to departure. Cancel For Any Reason can reimburse a portion, typically up to 50%-75%, of your trip cost depending on the plan purchased. A policy with Cancel For Any Reason can cost an additional 40%-60% more than a standard policy, is not available in all states, and eligibility requirements may differ by company.

Answer:

If one traveler has to cancel for a covered reason, all travelers who are insured are also covered to cancel as well. Trip Cancellation extends to traveling companions and Family Members. 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%.

Answer:

Although Coronavirus is now a prevalent topic, and there are many questions related to travel insurance coverage, it looks like you may have purchased a travel insurance plan from a company not offered through InsureMyTrip.com. If that is the case, you will need to contact that company directly to discuss coverage or file a claim. You should be able to find this contact info on any confirmations or policy documents that you received. Although our Customer Care agents would love to help, they can only view and discuss policies that were purchased through InsureMyTrip.com.

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Generally, the policy can only be cancelled within the 10 - 15 day review period from when it was purchased.

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If you are looking to file a claim, you will need to contact the insurance company that provided your coverage. You should be able to find the contact information for the claims department within the policy documents that you received when the plan was purchased. The claims department will be able to advise you on the process and any information needed.

Answer:

Many Comprehensive travel insurance policies will include financial default coverage, if all eligibility requirements are met, which typically covers cancellation or interruption if a travel supplier has stopped business operations due to a financial reason. Coverage for financial default may be time sensitive on some plans, meaning you have to be purchasing coverage within 10-21 days after making your initial trip payment/deposit. Also, there is a waiting period for financial default coverage to go into effect after the effective date of the policy, usually 10-14 days. This means that if you purchase a plan today and it goes into effect tomorrow, financial default coverage would be available 10-14 days after tomorrow (depending on the plan). Plans typically do not cover the default of the agency that you purchased your travel arrangements through. Also, coverage has to be purchased prior to any announcement of financial issues for a travel supplier. Finally, some companies only offer coverage for the financial default of select travel suppliers. You can obtain the complete list from your provider if you have any questions about your travel supplier’s eligibility.

Answer:

We do understand your concern as news of Coronavirus develops daily. It is recommended that you contact your travel agent and/or travel suppliers to see if they are offering the ability to cancel and receive a refund or rebook travel to a later date. Generally, travel insurance does not cover trip cancellation due fear of travel. Also, since travel warnings are now foreseen, coverage would not be available to cancel your trip due to your destination being inaccessible because of Coronavirus. The only way to have any coverage to cancel your trip, would be to purchase a comprehensive plan with optional Cancel For Any Reason coverage selected. There are some eligibility requirements for this coverage, such as insuring 100% of pre-paid, non-refundable trip costs, purchasing your coverage within 10-21 days of your initial trip payment, and you must cancel your trip no less than 2 days prior to departure. Cancel For Any Reason can reimburse a portion, typically up to 50%-75%, of your trip cost depending on the plan purchased. A policy with Cancel For Any Reason can cost an additional 40%-60% more than a standard policy, is not available in all states, and eligibility requirements may differ by company.

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Yes. You can insure what you have paid for to date and any known costs, and once you make subsequent payments towards the trip prior to departure such as purchasing airfare, you can contact us and update your existing policy accordingly.

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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. This applies to all comprehensive policies and extends to non traveling Family Members.

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.

Answer:

For this concern, we suggest viewing policies that offer 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.

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Generally, the policy premium is only refundable within the 10-15 day review period from when the policy was purchased.

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The amounts displayed are per person amounts. If you had to cancel for a covered reason, that is the amount each traveler would be reimbursed.

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Our comprehensive policies offer Trip Interruption coverage which reimburses up to 150% of your Trip Cost. This means that if your trip is interrupted for a covered reason listed in the policy certificate, you are reimbursed the unused portion of the trip cost and with policies that offer 125% or 150% for Trip Interruption, the insurance companies would help out with the additional transportation costs incurred when returning home early for a covered reason. The amount they provide is based on your Trip Cost. Up to the 100% is reimbursement for the unused portion that was prepaid and non-refundable. The other 25% - 50% (depending on the policy) will reimburse for the additional reasonable transportation costs incurred when returning home early for a covered reason. The easiest way to find a policy is to call us at 800 487 4722 and any customer care representative will be happy to assist you with finding a policy that offers the highest reimbursement for Trip Interruption.

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Unfortunately, we do not have just Trip Cancellation by itself, you would need to obtain a comprehensive plan if you are in need of cancellation coverage.

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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. With this benefit, you can literally cancel for any reason whatsoever.

Answer:

You can buy a policy any time prior to departure, however, please keep in mind that Trip Cancellation only covers unforeseen illnesses or injuries that require you to cancel your trip. If your husband is already in the hospital, unfortunately this would be considered foreseen and wouldn't be covered with Trip Cancellation.

Answer:

With Cancel for Any Reason, you can cancel for any reason whatsoever as long as you qualify for that benefit. For your particular concern, you do not need Cancel for Any Reason as this is something that is covered under Trip Cancellation. 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.

Answer:

With our comprehensive policies, if one insured has to cancel for a covered reason, all travelers who are insured are also covered to cancel as you are considered Traveling Companions and Family Members. 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.

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Unfortunately, we are only able to provide medical and medical evacuation coverage for non U.S residents. The comprehensive plans that include Trip Cancellation are only available to residents of the U.S who are departing from and returning to their home in the U.S.

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Unfortunately, we do not offer just Trip Cancellation or Interruption by itself. We would suggest viewing the least expensive comprehensive plan if you are interested in these benefits. 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.

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. Generally, the schedule of benefits is a table outlining each benefit on first few pages of the policy certificate.

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. Please keep in mind, you will need to purchase separate policies since you do not reside in the same state / country. We highly recommend calling us for assistance since your situation is unique.

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Unfortunately, we do not offer this type of coverage on its own, and the medical plans do not offer any riders to add this to the policies. If you were interested in travel protection such Trip Cancellation, you would need to purchase a comprehensive plan for each trip.

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As long as you do not return home in between each destination, this is considered one trip and you would only need to purchase one policy to cover you for the entire duration. Our comprehensive plans provide Trip Cancellation and Trip Interruption coverage for Many different covered reasons. 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.

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Unfortunately, our policies typically only cover Trip Cancellation due to inclement weather when traveling with a common carrier such as an airplane.

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Typically, yes, but to be certain, please double check the definition of Family Member listed in the policy certificate.

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The number one covered reason for Trip Cancellation and Trip Interruption is the unforeseen sickness, accidental injury or death to you, a traveling companion or an immediate family member. To see all of the covered reasons to cancel or interrupt your trip, please click on the dollar amount that appears NEXT to the words "Trip Cancellation" when viewing a quote. Please note that policies have exclusions for preexisiting medical conditions, and the best way to find out if you will be covered is to call us and speak with a customer care representative.

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Failure to receive the passports would not be covered under regular trip cancellation, but the CFAR benefit would account for this up until two days before the departure date, yes.

Answer:

Travel insurance covers Trip Cancellation due to covered reasons. The number one reason for cancellation is the unforeseen illness, accidental injury or death to you, a traveling companion or a non traveling family member. In addition to these reasons, most plans will also cover being called to Jury Duty or being subpoenaed to court, or if you are layed off from you employment (of 1-3 consecutive years depending on the policy). Cancellation will reimburse your pre-paid and non refundable trip costs, including the non refundable rental deposit.

Answer:

Unfortunately, since you are not medically fit to travel today, you would not be eligible for travel insurance. In addition, since there is a chance that you will not be well enough to travel in 3 months, cancellation is foreseen and would not be covered. However, we do have policies which have an option to add Cancel For Any Reason. To be eligible for this type of policy you must insure 100% of all pre-paid and non refundable trip costs, purchase the insurance within 10-21 days (depending on the policy) of the initial trip deposit, you cannot cancel the day of the trip or the day before, cancellation must be more than 2 days prior to your departure date, and you must be medically fit to travel on the day you purchase the insurance.

Answer:

Cancellation is for specific listed reasons. Not obtaining your visa ahead of time, or in a timely manner is not a reason for cancellation under any policy. The number one covered reason for Trip Cancellation and Trip Interruption is the unforeseen sickness, accidental injury or death to you, a travelling companion or an immediate family member. To see all of the covered reasons to cancel or interrupt your trip, please click on the dollar amount that appears NEXT to the words "Trip Cancellation" when viewing a quote.

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Unfortunately, no, because you do not have a scheduled flight and are flying standby, possible delays and cancellations are foreseen and would not be covered.

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Yes the unforeseen death of a non-traveling family member is covered reason for trip cancellation.

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Unfortunately, your concern is not a covered reason for cancellation under any policy. The only way to have some coverage would be to buy a plan that has a Cancel For Any Reason rider. Cancel for any reason would allow her to "change her mind" as you have described and receive a partial reimbursement under the insurance policy. There are 3 conditions that MUST be met to purchase a Cancel For Any Reason Rider, as follows: Purchase the policy within 14-30 days of Initial Trip Payment (policy specific); Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip must be canceled more than 2 days prior to 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. The Cancel For Any Reason will show under its own box. Please make sure to click on the underlined phrase to view the requirements to qualify for this option. If you decide to buy this Rider, make sure to click on the box near Cancel For Any Reason and hit the 'buy' button at the top or bottom of the quote. Please note that these policies are State-specific.