No one wants to fall ill before or during their trip. In order to ensure that you have the best possible protection, we recommend that you take out an appropriate insurance policy before starting your journey. This will cover any travel cancellation costs, compensation for lost or damaged luggage and potential medical treatment. Our guests are welcome to choose their own travel insurance provider.
We recommend the Travel Insurance Center should you need an option. The Travel Insurance Center is an insurance brokerage firm which works to tailor an insurance program to fit your needs.
Click here to learn more about how to get travel insurance and gain peace of mind for your next trip.
What is travel protection? Why Would I need it?
Travel protection is a combination of insurance coverages and travel assistance services packaged to provide comprehensive protection for you and your family before and during your trip. You invest a lot of time and money when you travel. Doesn't it make sense to protect that investment? Remember, no matter how well-planned your trip is, the unexpected can and does occur.
- Many primary health plans exclude coverage outside your home country, even outside your home state or region, and very few plans cover medically supervised emergency evacuation, emergency reunion, or repatriation. Travel protection plans offer coverage for medical expenses and emergency evacuation and repatriation in the United States and abroad.
- If you have prepaid the cost of your trip or even paid a deposit on your trip and find you have to cancel or return home early, a travel protection plan can offer trip cancellation and trip interruption coverage which can help you protect your investment by reimbursing you for nonrefundable fees and expenses due to trip cancellation for a covered reason.
- Travel protection plans offer additional baggage coverage over and above that provided by the airlines or your credit card, and may also provide benefits if your baggage is delayed.
- Travel protection plans offer worldwide 24-hour emergency assistance in multiple languages so you can access legal assistance, prescription drug refills and eyeglasses replacement, emergency cash, and more.
May I purchase coverage up until the date of my departure?
Yes! You can purchase online or over the phone, however policy wordings related to coverage for pre-existing conditions vary between providers. Often, when a waiver for the pre-existing conditions exclusion is available, the insurance must be purchased within one or two weeks of paying the first deposit.
If I change my mind after purchasing travel medical insurance or enrolling in the protection plan, is it refundable?
Yes. Generally, the providers will provide refunds as long as you have not departed, have not filed a claim or sent a written request prior to the policy's effective date.
Can I purchase on behalf of a relative or friend?
Yes. Before purchasing a plan on behalf of a minor under the age of 14, you must first register yourself as an adult on the Travel Insurance Center website. After creating your user ID and password, just hit the “continue” button to reach the purchase page. There, click “edit information” and enter the child’s information. The premium will automatically adjust, and you can complete that purchase.
Do I need to have primary health insurance to be covered by travel insurance?
Having primary insurance is not an eligibility requirement for most plans. However, you should check the plan details for further information on a specific product. There are a few plans that do require applicants to have primary health insurance to be eligible for coverage.
Do you offer plans with cancellation coverage?
One of the most common reasons people consider travel insurance is the worry that they may have to cancel their trip and lose money they’ve already paid for it. Life is unpredictable and it’s impossible to know what might happen between planning a trip and leaving. If you think you're spending more on your vacation than you can afford to lose, you may want to consider buying travel insurance with Travel Insurance Center.