Generally speaking, it’s not possible to add or replace travelers on an existing policy, so if you’ve bought your coverage and still have other traveling companions who need insurance they’re going to need to purchase their own policy. In most cases, they will still be considered your traveling companions as long as they share travel arrangements with you.
The reasoning behind this is that most policy information (such as eligibility for a waiver of pre-existing conditions, or being considered fit to travel as of purchasing the policy) is based upon the day when the policy was first purchased. Changing travelers after the policy is already in effect can lead to problems if a claim should arise.
This leads to another point. Most policies will have regulations regarding who can be insured under one policy. So if you do purchase a policy insuring a traveler who does not meet those requirements, you’ll need to cancel the original policy and purchase a new plan to insure the appropriate travelers. Many policies offer a review period, which is a grace period of generally 10 calendar days in which travelers can review the terms of their insurance policies after purchasing. Not all policies offer this benefit, so it is best to contact our Customer Care center if you have further questions regarding who should and should not be listed on a policy.
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.
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Question
If one traveler from a family of 4 cannot travel due to covered reasons and the trip needs to be cancelled for all of them, will the reimbursement for the non refundable amount of the trip, be for all the travelers?
By ArshadM - November 10, 2019
Answer
Yes, if one traveler has to cancel the trip for a covered reason listed in the policy certificate, all travelers who are insured are also covered to cancel as the cancellation coverage also extends to Traveling Companions.
By MattG - November 11, 2019
Question
We have a travel group of 4 -- so if one cannot make it can we be reimbursed for just their portion because we still want to go?
By katieP - April 5, 2023
Answer
Yes, if one traveler has to cancel the trip for a covered reason outlined in the policy certificate, they can file a claim for their portion of the total trip cost. Everyone else that is insured can still go on the trip and be covered, or they are also covered to cancel the trip and be reimbursed their portion of the total trip cost as well. 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.
By MattG - April 11, 2023