Question and Answers
At TravelSafe, we value your business. That's why we'll do everything we can to answer any questions you may have. Here are some Frequently Asked Questions about TravelSafe Insurance.
If you have any additional questions, give us a call at (888) 885-7233. Our Customer Service Representatives will be happy to help you!
If you have a travel agent with which you booked your trip and they offer you the opportunity to purchase TravelSafe through them, we encourage you to book our insurance through your agent. However, any U.S. or Canadian resident (except Quebec) can purchase our insurance, as long as you are medically able to travel at the time you purchase the insurance and you are purchasing the insurance at least one day prior to departure.
No! Someone doing this would be committing a criminal offense - insurance fraud. Travel insurance generally covers unforeseen circumstances which can occur after your policy is in effect. If you're even thinking about trying to commit insurance fraud, we urge you to reconsider and remember that the consequences are very severe.
Although several of our plans include trip cancellation, we don't currently offer a "cancellation-only" plan.
TravelSafe offers plans with several levels of protection, all at competitive prices. While it is possible to pay less through a cruise or tour operator, the coverage and benefits are generally going to be more restrictive and provide lower benefit limits. Peace of mind of enhanced protection will allow your clients to relax and enjoy their vacation. There are many other advantages to insuring with a third-party provider like TravelSafe, such as protection from bankruptcy or default of your clients cruise or tour provider, 24-hour emergency assistance from anywhere in the world and direct payment to your medical provider in the event of an emergency. Plus, many cruise and tour insurance plans only cover clients during the time they are hosting them, and may only offer credit rather than cash in the event of a claim. TravelSafe protects your client before, during and after his/her trip, and our claims are paid in cash.
With the "Cancel For Any Reason" benefit, you can cancel your trip for any reason not otherwise covered by the policy and be reimbursed for 75% of the unused non-refundable prepaid expenses for your Travel Arrangements. To be eligible for this coverage:
1. your premium payment must be received within 21 days of the date your initial deposit or payment for your trip is received; and
2. you must insure the full cost of all Travel Arrangements that are subject to cancellation penalties or restrictions by the Travel Supplier; and
3. You must cancel your trip 2 days or more before your scheduled trip departure date.
Medical conditions for which there is treatment; or a recommendation for treatment, diagnostic test or exam; or for which drugs or medicine are prescribed during the 60 day period prior to your effective date with TravelSafe are considered Pre-Existing Conditions. This means we look back 60 days prior to the effective date of your insurance, which is significantly less than many of our competitors. The policy exclusion for Pre-Existing Conditions will be waived, if your premium payment is received within 21 days of the date of the initial trip deposit is paid.
Unless you meet the Pre-Existing Conditions Waiver requirements detailed above, the policy does not cover Pre-Existing Conditions. Unlike some of our competitors, however, our Pre-Existing Condition requirements apply only to insured travelers, not to non-traveling family members.
Note: Medical conditions that are treated or controlled solely with medication and remain treated or controlled without an adjustment or a change in medication during the 60 day period prior to the effective date are not considered to be Pre-Existing Conditions. See the TravelSafe policy complete details about Pre-Existing Conditions.
TravelSafe allows you to cancel or interrupt your trip due to terrorist attacks, subject to the following conditions:
1. The terrorist act must occur in your departure city or in a city which is a scheduled destination for your trip, and
2. The terrorist act must occur within 30 days of the scheduled departure date for your trip.
Many TravelSafe plans cover Trip Cancelation or Trip Interruption due to bankruptcy or default (as defined in the policy) of an airline, cruise line, tour operator or other travel supplier if:
1. the bankruptcy or default is not of the person, organization or firm from whom you directly purchased or paid for your trip; and
2. the bankruptcy or default occurs more than 14 days following your effective date for the Trip Cancelation Benefits; and
3. you insure the full cost of all Travel Arrangements and your payment for the plan is received within 21 days of the date your initial trip deposit is received.
Important: There is no coverage for any claim arising from either: 1) a bankruptcy or default which occurs before your effective date of coverage, or 2) a filing of a petition for bankruptcy which occurs before your effective date of coverage.
TravelSafe protects you in several ways. If your flight is canceled due to bad weather, mechanical breakdown of the aircraft on which you are scheduled to travel or an unannounced strike (provided the strike occurs after you pay your premium) you can take a later flight. You will be reimbursed for the additional transportation expenses to join your trip, less any refunds paid or payable for your original tickets and not to exceed the cost of one-way economy airfare, or first class if your original tickets were first class. Plus, you will be reimbursed for the cost of any unused land or water travel arrangements.
The Trip Cancelation Benefit covers cancelation of your trip within 24 hours of your scheduled departure date and time if your trip destination is under a hurricane warning issued by the NOAA National Hurricane Center, provided the cancelation of your trip occurs more than 15 days following your effective date of coverage for the trip cancelation benefits. Other than this, the policy does not provide coverage if you cancel your trip based upon what might happen.
If, prior to departure or while on your trip, your hotel or resort is damaged or closed due to bad weather and the hotel or resort cancels your reservation (and cannot provide you with comparable accommodations elsewhere), you will be covered. See the TravelSafe policy for complete details of this coverage.
Yes. You should determine your premium amount based upon the total cost of your trip per person, including airfare. You do not need to include the cost of any travel arrangements that are fully refundable and not subject to any cancellation penalties or restrictions.
If you have not insured the full cost of all Travel Arrangements that are subject to cancellation penalties or restrictions:
1. the maximum benefit for Trip Cancellation will be limited to the amount of coverage you purchased and Trip Interruption will be limited to the stated percentage of the amount coverage you purchased for your trip; and
2. for plans which include a Cancel For Any Reason Benefit or have bankruptcy or default protection, there will be no coverage afforded.
TravelSafe covers all baggage delays of 12 hours or more during your trip. You will be reimbursed up to your benefit limit for personal articles you buy (such as toiletries, a change of clothing, etc.). Be sure to keep receipts for anything you purchase. TravelSafe will also track your delayed or lost baggage for up to one full year, if requested.
TravelSafe provides coverage up to your benefit limit for medical expenses resulting from an illness or injury during your trip. If you must be medically evacuated to another facility or home, TravelSafe also provides coverage up to your benefit limit, for your evacuation to a hospital of your choice where you reside. See TravelSafe policy for complete details of this coverage.
TravelSafe includes a 24-hour worldwide assistance service to help you with medical or legal emergencies during your trip. See the TravelSafe policy for complete details of this service.
Frequent flyer miles are not covered if you must cancel or interrupt your trip. If you cancel your trip for a covered reason, you will only be reimbursed the money actually paid for the trip. However, many TravelSafe plans do reimburse up to $150 toward the cost of an airline-imposed fees to re-bank frequent flyer miles if your trip is canceled by your travel supplier.
TravelSafe Insurance is available exclusively to citizens or legal residents of the USA or Canada. Eligibility for purchase will be confirmed on all claims. If it is determined that a person is not a citizen or legal resident of the USA or Canada, his/her claim will be denied and premium will be refunded.
You must purchase travel insurance once your waitlist has cleared and your deposit was then transferred to the "cleared" waitlist/reservation.
Example: On July 1, you give a "good faith" deposit for space to clear or open up on a specific trip and that space clears on August 1. It is only from August 1 that the clock starts counting and you have 21 days to purchase the travel insurance in order to meet the terms required for the Pre-ex Waiver, Bankruptcy or Default protection and our Cancel For Any Reason benefit.
* Please note that a final claims determination is made based upon both the policy provisions and the written documentation we receive with your claim submission.