Travel Safe Basic

A.M. Best Rating: A
By: TravelSafe, Underwriter: US Fire

Travel Safe Basic (A.M. Best Rating: A) is a trip insurance plan that provides essential protection for travelers who want affordable coverage for unexpected travel disruptions. With benefits for Trip Cancellation, Trip Interruption, Trip Delay, Emergency Medical Expenses, and baggage, it helps protect non-refundable trip costs while providing valuable travel benefits for both domestic and international trips. Coverage is available for trips up to 30 days.

Travel Safe Basic does not participate in any PPO network. You can visit any doctor or hospital of your choice.

Travel Safe Basic includes coverage for pre-existing conditions if the waiver requirements are met, including purchasing the plan within 21 days of the initial trip deposit and being medically able to travel at the time of purchase, in most states.

Review the Travel Safe Basic policy documents for complete coverage details, exclusions, and limitations.

Plan Brochure

Key Trip Insurance Benefits

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

Trip Cancellation

Up to 100%

Trip Delay

Up to $100 per day, $500 maximum

Accident & Sickness

Up to $35000

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 $100 per day, $500 maximum

Missed Connection

Up to $500

Accident & Sickness

Up to $35000

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 U.S residents traveling within the U.S and internationally
For Ages 1 to 79 years old
Coverage for a maximum of 30 days
Must be purchased prior to departure.
Trip must be scheduled, prepaid, and arranged prior to departure. No minimum distance requirement from your primary residence.

Cancel For Work Reasons

Not covered

Interruption For Any Reason

Not covered

Trip Cancellation

Up to 100%

Trip Interruption

Up to 100%

Trip Delay

Up to $100 per day, $500 maximum

Missed Connection

Up to $500

Emergency Medical Evacuation & Repatriation

Up to $100,000

Cancel For Any Reason

Not covered

Pre-existing Medical

Pre-existing waiver available if purchased within 21 days of initial trip payment

Primary Medical

Covered

Non-Medical Evacuation

Not covered

Accident & Sickness Medical Expense

Up to $35,000

Dental Expense

Not covered

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.

Sports Equipment Delay

Optional Add-on benefit

Sports Equipment Loss

Optional Add-on benefit

Sports & Activities

Not covered

Telehealth Service

Not covered

Baggage & Personal Effects

Up to $500

Rental Car Damage

Optional Add-on Coverage Available

Baggage Delay

Up to $100

Accidental Death & Dismemberment

Optional Add-on benefit up to $500,000

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

US citizens and US Residents up to the age of 79 and 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. The exclusion for Pre-Existing Condition will be waived provided: (a) Your payment for the policy was within 21 days of the date of your initial deposit date. (b) You insure all pre-paid trip costs that are subject to cancellation penalties or restrictions. (c) You are not disabled at the time your premium is paid.

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. In case of change of plans, you would need to purchase a new plan.

You may cancel the insurance by giving written consent within the first to occur of the following: (a) 14 days free look back period from the effective date of your insurance; (b) Your 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 your Home Country and 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 Safe 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 policy documents, but rest assured that all other eligible inputted countries will be covered during the active policy period.

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 Safe 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 Safe 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 Safe 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 any 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.

Coverage and reimbursement for cancellation on Travel Safe Basic will have to fall under eligible situations. Please review your policy terms and conditions for a list of exclusions and restrictions.

All options of the plan would cover for the specific covered reasons. Some of these include: Sickness, Injury or Death, Felonious Assault, Court Ordered Appearance, Military Duty for Natural Disaster Relief, Jury Duty, Termination/Layoff, Strike, Weather, Hijacking, Terrorist Incident, Traffic Accident, 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 the 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 Business Equipment And Sports Equipment Rental benefit offered in the Travel Safe Basic plan can provide reimbursement up to $1,000. A $100 deductible applies per occurrence. This can be purchased with an additional premium at the time of purchase. The rider can cover your business equipment to replace your laptop, cell phone, or other business equipment owned by or leased to you if lost, stolen, damaged, or destroyed during your trip. For rental sports equipment, you can be covered if the rental property is lost, stolen, damaged, destroyed, or delayed by a common carrier for 12 or more hours during your scheduled trip.

The optional Rental Car Damage benefit offered in the Travel Safe Basic plan can provide reimbursement up to the maximum benefit of $35,000 if your rental car is damaged while on a trip due to collision, theft, vandalism, natural disaster, or any cause beyond your control while in your possession, or your rental car is stolen and not recovered. This can be purchased with an additional premium at the time of purchase.

The optional AD&D Flight Only benefit offered in the Travel Safe Basic plan pays additional AD&D benefits due to an accident occurring while you are a passenger on an aircraft. This can be purchased with an additional premium at the time of purchase.

Option #1: $100,000
Option #2: $250,000
Option #3: $500,000

Travel Select 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 Select 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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How COVID-19 is Covered Under Travel Safe Basic

COVID-19 Medical Expenses

Medical treatment and services related to COVID-19 can be covered in the event that the virus was contracted after the policy effective date.

COVID-19 Testing

Testing can be covered if ordered by the attending physician for diagnostic purposes if symptoms occur after the policy effective date.

COVID-19 Vaccination/Booster

COVID-19 vaccination/booster is not covered under the policy.

Quarantine Benefit

Quarantine coverage included in the Trip Delay benefit can provide coverage for additional accommodation expenses if the quarantine is ordered by a physician.

Emergency Medical Evacuation

Emergency Medical Evacuation for COVID-19 treatment can be covered if the virus is contracted after the policy effective date.

Trip Cancellation

Coverage for canceling a trip due to COVID-19 before the departure date.

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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 Safe Basic

Key Trip Insurance Benefits

Eligibility

Travel Coverage

Emergency Services

COVID-19 Benefits

Other