Travel Basic

A.M. Best Rating: A
By: Travelex Insurance, Underwriter: Berkshire Hathaway Specialty

This plan is currently being updated and will be accessible online soon.Learn more

Travel Basic is a Travel Insurance plan for U.S residents traveling domestically or internationally. The plan offers reimbursement coverage on non-refundable trip costs due to covered reasons for Trip Cancellation, Trip Delay, Trip Interruption, and more.

Travel Basic can cover COVID-19 like any other covered medical condition if the virus was contracted after the policy effective date. Coverage for Quarantine is provided under the Trip Delay benefit, if ordered by an authorized physician.

Please review Travel Basic policy documents for complete coverage and exclusions.

Key Trip Insurance Benefits

Here are some of the top benefits, for your convenience*

Trip Cancellation

Up to 100%

Trip Delay

Up to $250 per day, $500 maximum

Accident & Sickness

Up to $15000

Rental Car Damage

Optional add-on

Trip Interruption

Up to 100%

Missed Connection

Up to $500

Medical Evacuation

Included

Baggage & Personal Effects

Up to $500

Trip Cancellation

Up to 100%

Trip Interruption

Up to 100%

Trip Delay

Up to $250 per day, $500 maximum

Missed Connection

Up to $500

Accident & Sickness

Up to $15000

Medical Evacuation

Included

Rental Car Damage

Optional add-on

Baggage & Personal Effects

Up to $500

*Note: Please consult your specific policy documents for precise coverage limits, benefits and exclusions. Optional add-on benefits are available for an additional charge

Eligibility

For US residents traveling within the US and internationally
For Ages 1 to 99 years old
Coverage for a maximum of 30 days
The Travel Basic plan may be purchased up to a day prior to the departure date.
Prior to departing for your trip, your travel documents must indicate your Departure Date and Return Date
To qualify for the Financial Default benefit, the policy must be purchased within 15 days of the initial trip payment date.

Trip Cancellation

Up to 100%

Trip Interruption

Up to 100%

Trip Delay

Up to $250 per day, $500 maximum

Missed Connection

Up to $500

Emergency Medical Evacuation & Repatriation

Up to $100,000

Cancel For Any Reason

Not covered

Accident & Sickness Medical Expense

Up to $15,000

Dental Expense

Up to $500

Covid-19 Coverage

Treatment for COVID-19 is covered if contracted after the plan effective date. Cancellation, Interruption, & Quarantine benefits are offered in this plan. Covid-19 testing is covered only if ordered by a physician. Vaccination/Boosters are not covered.

Trip Cancellation Due to Covid-19

Coverage for trip cancellation due to a documented positive COVID-19 result

Covid-19 Quarantine

Quarantine coverage in Trip Insurance plans fall under the "Trip Delay" benefit. Policyholders who test positive and are ordered by a physician to quarantine can utilize the Trip Delay benefit to cover any expenses incurred while quarantining.

Baggage & Personal Effects

Up to $500

Rental Car Damage

Optional Add-on Coverage Available

Please refer to the following article concerning the claim process:
Trip Insurance Claim Process

US residents, who live in the US, are covered by these plans, for traveling both within the US, as well as internationally outside the US.

The insurance company will not pay for any expenses as a result of any illness, disease, or other condition during the 60 day period immediately prior to the date of coverage.

Each insurance company may have their own state-specific regulations on where plans can be sold. These state restrictions only impact residents from those specific states from purchasing these plans. However, if you are traveling to the United States, you will be covered in all 50 states during your active policy period.

Trip plans are not renewable. If your trip will be extended, you can request a policy extension from Travelex by emailing customersolutions@travelexinsurance.com. This doesn’t guarantee extension requests can be accommodated, but it can be considered.

You may cancel the insurance by giving written consent within the first to occur of the following: (a) 15 days from effective date of your insurance; (b) the day before the scheduled departure date. If you do this, the company will refund your premium paid provided no claim is under the policy.

You cannot remove one person from the policy if other travelers are included. We recommend letting the current policy lapse with all travelers or canceling and repurchasing for the remaining travelers as per the policy terms.

You will need names, coverage duration, date(s) of birth, home country address, total nonrefundable trip costs, and a valid credit card.

After purchasing the policy online, you will receive your ID card in your confirmation email.

Coverage will be provided in all eligible countries visited with the exception of any restricted countries listed in the policy documentation. Coverage will only be offered within the policy start and end dates. Please note: If any part of your trip includes the United States, please select it as your destination country.

Travel Basic can cover for COVID-19 and will be treated the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed from the country of residence. For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub.

Only the primary destination in the application will be listed on the enrollment, but rest assured that all other eligible countries will be covered during the active policy period, as long as they are not restricted countries listed in the policy documentation.

Coverage on a trip insurance plan will begin the day after you have purchased your policy and will cover you for reasons such as trip cancellation prior to the departure date.

The Travel Basic plan does not cover for the COVID-19 vaccine/booster, but will cover COVID-19 treatment and services the same as any other eligible condition if contracted after the policy effective date. Preventative care related to COVID-19, like vaccines/boosters is not covered under the policy. Please sign in to your account to view your plan specific documents for any limits or exclusions.

Travel Basic will only cover for COVID-19 testing if the policyholder is experiencing symptoms and the test is ordered by an attending physician for diagnostic purposes. COVID-19 tests to meet travel requirements will not be covered.

Quarantine coverage in Travel Basic plans fall under the “Trip Delay” benefit. Policyholders who test positive and are ordered by a physician to quarantine can utilize the Trip Delay benefit to cover reasonable expenses incurred while quarantining. The Trip Delay benefit will provide policyholders a specified monetary amount. A policyholder can use their Trip Delay benefit on; reasonable accommodation, meals, telephone calls and local transportation expenses. Receipts must accompany the Reasonable Additional Expenses incurred.

The trip cost should include any non-refundable payments made related to the trip. In case of unforeseen cancellation of the trip, these costs would be lost. Examples of these are costs of airline tickets, hotel reservations, tour reservations, etc.

All options of the plan would offer coverage for the specific covered reasons. Some of these include: Sickness, Injury or Death, Court Ordered Appearance, Military Duty for Natural Disaster Relief, Jury Duty, Termination/Layoff, Strike, Weather, Hijacking, Traffic Accident en route, Bankruptcy/Default, Quarantine, Residence Uninhabitable

Trip cancellation benefits become available if the trip is cancelled before the journey begins (before the start date of the policy). Trip interruption benefits are available after the journey begins. If for some documented covered reason, the trip is cancelled after the journey starts, the insured person has to go back to their home country.

The insurance provider recommends that you submit any correction requests in writing as your policy is a legally enforceable document. Following receipt of the correction, we send the request to the insurance provider; normally, the updates require 3-5 business days. They are processed in the order that they are received. We advise double-checking the information on the application before completing the purchase to prevent any errors and corrections.

The optional Rental Car Collision benefit offered in the Travel Basic plan can cover up to $35,000 per policy period for collision damage, vandalism, windstorm, hail, fire, or flood damages that occur to a rental car while on your trip. A $100 deductible applies. This can be purchased with an additional premium at the time of purchase.

The optional Flight AD&D benefit offered in the Travel Basic plan can provide coverage up to $200,000 if loss of life, limbs, or sight occurs from an accidental injury while on a common carrier airline flight. This can be purchased with an additional premium at the time of purchase.

Travel Basic can cover Monkeypox and will treat it the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed your home country. For more information regarding Monkeypox and travel insurance, review the blog about Monkeypox.

The Travel Basic plan does not cover for the Monkeypox vaccine, but will cover Monkeypox treatment and services the same as any other eligible condition if the virus was contracted after the policy effective date. Preventative care related to Monkeypox is not covered under the policy. Please sign in to your account to view your plan specific documents for any limits or exclusions.

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Disclaimer

Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.

Travel Basic

Key Trip Insurance Benefits

Eligibility

Travel Coverage

Emergency Services

COVID-19 Benefits

Other

Travel Basic Exclusions

Travel Basic FAQs

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