Question:
We are planning a family trip with 3 couples all related to a VRBO home rental. If one of the couples can't travel for a qualified reason will trip insurance cover their portion of the cost under a single policy if the other two couples still go?- CarlB,08/01/2022
Answer:
Yes, if one traveler or couple that is insured has to cancel for a covered reason, they can file a claim for their portion of the total trip cost if everyone else still decides to take the trip. 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.
Question:
When traveling with my wife should I split the trip cost in two or submit the entire insurance cost under one spouse? For example if the total cost is $5000, should I submit $2500 each?- CAMERONC,04/07/2021
Answer:
The quote form on our website asks for the total trip cost for all travelers listed. If you are quoting two travelers, and the total cost of the trip for the two of you is $5000, please list $5000 as the trip cost. Trip Cancellation provides reimbursement for many different covered reasons listed in the policy certificate. To see all of the covered reasons to cancel or interrupt your trip, please click on the dollar amount ($2500) that appears under the words "Trip Cancellation" when viewing a quote. The coverage limits displayed are per person limits. Trip Cancellation reimburses 100%.
Question:
How much time can elapse between making a reservation and obtaining trip cancellation insurance?- Lorie,07/03/2019
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.
Question:
If me and my girlfriend wish to insure together, would that be allowed and covered? We are not married, or living together. Thanks- MikeS,01/05/2018
Answer:
As long as you live in the same state and travel on the same dates, you can be on the same comprehensive policy together with most providers. If you are buying a single trip medical plan for an international trip, you would need to purchase separate policies as those plans only allow you and a spouse or dependent children to be insured together on the same policy.
Question:
my wife has premedical condition I have non, we are both over 70. Can we take out individual Travel Insurance for the same trip and would there possibly be saving on the premium- JohnM,06/23/2017
Answer:
Yes, you both can be on the same policy together as long as you have the same travel dates and live together. 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.
Question:
On a couples insurance policy, does the 'cancellation' amount mean the total cost of the holiday or each persons cost?- HazelP,06/05/2017
Answer:
The cancellation amount is the Trip Cost which can include all prepaid non-refundable travel arrangements. The amounts listed are per person, and you are reimbursed 100% if you cancel the trip for a covered reason. 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.
Question:
Is trip ins. based on price of the ticket? Is there a percentage cost I can apply?- Ronald,02/15/2017
Answer:
The 3 main factors that affect the premium are the ages of the travelers, the cost of the trip, and the duration of the trip. You can insure all prepaid non-refundable travel arrangements and we never suggest under insuring, especially if you are buying a policy that includes coverage for pre-existing medical conditions or the cancel for any reason benefit. These benefits require you to insure 100% in order to be eligible for purchase.
Question:
If we have to cancel the trip, will having travel insurance get all the ticket prices refunded back to us?- NancyH,02/17/2014
Answer:
The Comprehensive Package Plans include Trip Cancellation and Trip Interruption to reimburse you for your prepaid, non-refundable trip costs if you needed to cancel or interrupt your trip due to a covered reason. 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. The limit of reimbursement depends on the amount you enter in the Trip Cost field of your quote and what you provide for documentation and receipts proving your loss.