Trip Insurance: FAQs

Q. Why should I buy trip insurance?

Trip insurance protects you against financial losses you may suffer as a result of last minute trip cancellation, trip delay, or other unexpected travel related incidents.
If you are sick and have to cancel your trip, or bad weather causes trip delay, trip insurance reimburses you for non-refundable trip costs up to the covered amount. Trip insurance coverage may include but is not limited to benefits such as trip cancellation, trip interruption, travel delay, lost or stolen passport, baggage loss or delay, and emergency medical evacuation.

Q. Don't I already have coverage from my credit card or regular medical insurance?

Some credit card companies do provide trip cancellation coverage, but the coverage is usually very limited or specific to certain benefits. Credit card trip insurance may not provide as good of coverage as travel insurance companies.
Your regular medical insurance usually only covers health and sickness within your country and does not cover trip cancellation, trip interruption, or travel delay benefits. However, some travel medical insurance policies do offer trip cancellation coverage.

Q. Can I buy trip insurance if someone else is booking my flight, hotel accommodations, etc.?

Yes, you may buy trip insurance even if someone else is booking your trip reservations. All you need to buy trip insurance is the non-refundable trip expenses such as airline ticket and accommodation costs.

Q. Until when do I have to buy trip insurance? When is it too late?

You should buy trip insurance as soon as you have booked or paid for your trip. The latest you can purchase a policy is 24 hours before the trip departure date.

Q. What is the initial trip payment date or deposit date?

It is the date when you made the first payment for your trip.

Q. What is the final payment date?

It is the date when you fully paid for your trip. The final payment date must be before the departure date. The initial trip deposit date and final payment date can be the same date.

Q. What do I include in total trip cost when getting a trip insurance quote? Do I include taxes and fees?

Your total trip cost includes all prepaid, non-refundable trip expenses including taxes and fees. These may include airline ticket, cruise, hotel, and activity costs, among other expenses.

Q. What should I do if Im traveling to multiple destinations?

You can select any one of your planned destinations while purchasing a trip insurance plan. Trip insurance covers all prepaid, non-refundable trip costs, including those from different destinations.

Q. Can I make changes to my trip insurance policy after purchasing?

Yes, you can make changes to your policy if you need to change information such as travel dates, destinations, trip costs, travelers personal information, mailing address corrections, etc.

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