Trip Insurance: FAQs

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.

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.

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.

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.

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

It's 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.

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.

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.

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.