Frequently Asked Questions

You’ve got questions about travel protection. We have the answers.

Find answers to the most commonly asked travel protection questions below. Have a question not answered here? Give us a call at 1.800.423.3632 and one of our Customer Service Representatives will be happy to help you.

Travel protection is designed to cover both you and the cost of your travel arrangements against a variety of unforeseeable reasons that may affect you or your travel plans.

Emergencies happen when you least expect it. Travel protection provides coverage for Trip Cancellation or Interruption; Medical Emergencies; Baggage (loss, damage or delay) or Travel Delay and much more. Plus, we offer our exclusive One Call 24-hour Traveler Assistance Service to help you with emergency situations that arise during your trip.

Many travel products are non-refundable, and the best airline and cruise deals usually come with few options if you can’t actually take your trip. Last week the airline joyfully booked your flight. This week it declared bankruptcy. Last month you reserved space on a Caribbean cruise. A few weeks later a family member became critically ill.

Important Tip! Many people only consider their own health when deciding about travel protection. It is not uncommon for younger people to assume that because they are healthy, travel protection is not needed. But what about parents, grandparents, children, grandchildren, aunts and uncles? Remember travel protection covers you if something happens to you or to any of these people, causing you to cancel your trip.

Rental Car Coverage is an optional benefit available with most plans. Restrictions apply. Please see the Plan Documents for details.

The Trip Cancellation Benefit reimburses you for your non-refundable trip deposits or payments if you must cancel your trip for a covered reason. The covered reason that causes you to cancel must occur after your effective date and prior to your scheduled departure.

The Trip Interruption Benefit reimburses you for unused land or water travel arrangements, plus additional airfare to return home or rejoin your trip when you must interrupt your travel for a covered reason.

For a variety of reasons, it is prudent to purchase travel protection when you first book your trip (i.e. make your first payment for travel arrangements).

Why? Most travel protection plans contain one or more time sensitive provisions that broaden coverage. The time sensitive provisions which are included in all of our plans apply to several coverage enhancements, such as waiving of the Pre-Existing Conditions Exclusion and the Cancel For Any Reason Benefit.

Important Tip! It is generally a mistake to wait until final payment for your trip to purchase travel protection; by purchasing earlier you receive better coverage at the same price.

There are three convenient, easy ways for you to purchase a TripAssure plan, online at, through a participating travel agent or by calling our Customer Service Department at 1.800.423.3632.

Although there are a great many covered reasons for Trip Cancellation, not every possible reason is covered. Travel protection plans generally do not cover a change of mind or other similar discretionary reasons.

Our Cancel For Any Reason benefit allows the traveler freedom to cancel a trip for any reason whatsoever (2 days or more before the scheduled departure date) and be reimbursed for 75% of the cancellation penalty amount. Of course, if a trip is canceled for a covered reason, then reimbursement would be at 100% of the cancellation penalty amount under the Trip Cancellation Benefit.

Important Tip! Like some other provisions and benefits, Cancel For Any Reason is time sensitive and must be purchased within 15 days of the date of the initial deposit or payment for the trip. This benefit is only available on select plans.

You should protect the full cost of all of your non-refundable air, land or cruise travel arrangements.

For example, many first class airline tickets, and some business class tickets are fully refundable. You should only buy travel protection for the full cost of your non-refundable travel arrangements. Non-cash transactions such as frequent traveler awards, early bird discounts etc, generally cannot be covered as these items have no cash value.

Important Tip! You should always insure the full cost of any non-refundable travel arrangements, as there will be additional limitations and exclusions if you insure less than the full cost of your non-refundable travel arrangements.

You should provide your current age at time of purchase.

Under the Trip Cancellation benefit, coverage begins on the day after you purchase a plan. For all other benefits, coverage begins when you depart on your first scheduled travel arrangement.

Yes, you may extend your travel protection term while traveling on your covered trip as long as:

  1. you have not experienced an injury or sickness or undergone medical treatment during your trip,
  2. coverage under this plan is in force at the time you request an extension, and
  3. you pay any additional required plan cost for such extension, if applicable.

In simple terms, a pre-existing medical condition is a sickness, injury or other medical condition for which a person receives diagnosis, treatment or advice during the 60 day period prior to your coverage effective date. Conditions controlled solely through medication, without a change in dosage, are not considered to be Pre-Existing Conditions.

If throughout the 60 day pre-existing period, your condition is stable (i.e. no other treatments, tests, or diagnostic exams), and your medication remains unchanged, this would not be considered a pre-existing medical condition.

If you would like to take your trip without your traveling companion, we will reimburse you for the occupancy upgrade charges you incur, provided your traveling companion has canceled or interrupted his or her trip for a covered reason.

The Travel Delay benefit includes coverage for any type of common carrier delay, including terrorist acts.

With all of our plans, you will be reimbursed (up to the plan limit) for the additional transportation costs to join your trip and any unused portion of prepaid land or water travel arrangements.

This benefit applies if you miss your tour or cruise departure because your arrival at your trip destination is delayed 3 hours or more due to:

  1. any delay of a common carrier;
  2. a documented weather condition prevented you from getting to the point of departure; or
  3. quarantine, hijacking, strike, natural disaster, terrorism or riot.

Under the Travel Delay benefit, you will be reimbursed (up to the plan limit), for additional reasonable meal, accommodation and local transportation expenses if you are delayed beyond 6 hours for a covered reason such as delay of a common carrier.

Coverage is available (to the plan limit) for baggage and personal effects, passports and visas that are lost, stolen, or damaged during your covered trip.

You must submit documentation for your loss, including all receipts for the necessary purchases made and documentation for reimbursements received from a responsible party and take all reasonable steps to protect, save or recover your baggage and personal effects.

Our plans also provide a Baggage Delay Benefit, if while on your trip your checked baggage is delayed for 12 hours or more, to reimburse you for the purchase of necessary personal effects while on your trip.

You may cancel and return your plan documents within the 14-day free look period and receive a complete refund. Where applicable, Enrollment Processing Fees are not refundable.

Yes, you should always take your plan documents with you, and you should read your documents as soon as you receive them to make sure the information is accurate.

The Plan Documents explain the plan benefits, limitations, conditions and exclusions. The Purchase Confirmation contains the maximum benefit limits for the plan purchased.

A word or phrase is capitalized because the word or phrase is defined in the plan documents.

Please call us with all of the details and we will be happy to assist you. You may call 1.800.423.3632. We may request documentation regarding your changes.

You may contact our One Call Travel Assistance Network. Assistance coordinators are available 24/7 to help you in emergency situations. The One Call contact information is included in the Plan Documents and on your Purchase Confirmation.