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Best Trip Insurance Frequently Asked Questions

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Do you want Trip cancellation insurance or Travel medical insurance?

     

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Traveler's residence
Travelers (Age)
Trip cost($)/person

Destination
Trip start date
Trip end date

Travel insurance for U.S. citizens with trip cancellation coverage - Highlights

airplanemode_inactive

Trip cancellation

Reimbursement for loss of pre-paid, non-refundable payments.

ambulance

Medical evacuation

Transportation to or between hospitals as needed.

work_history

Trip delay

Reimbursement of food and lodging expenses due to delay in travel.

luggage

Lost baggage

Pays sum for lost or delayed luggage by airline.

home_health

Medical expenses

Covers cost of treatment for sickness or injury during your vacation.

Age & Citizenship
Child
Residence
Destination
Start date
End date

Travel medical insurance with no trip cancellation coverage - Highlights

medical_services

Health care expenses

Covers medical costs for sickness or accidents during travel.

person

Doctor visit

Covers cost of clinic or doctor visit.

medication

Pharmacy drugs

Expenses from doctor prescribed eligible medications.

ambulance

Medical evacuation

Transportation to or between hospitals as needed.

procedure

Repat of remains

Return of moral remains to home country or local burial.

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Get answers to all your Trip Insurance questions?

1. Will the travel/trip insurance plan cover Baggage Loss and Trip Cancellation?

Yes most of our policies include Baggage loss, Trip Cancellation, and Emergency Repatriation.

2. Does this travel insurance cover cancellation of a trip due to the death of a close family member - even if the family member is not part of this trip?

Yes, most of our package policies provide coverage for trip cancellation due to a non-traveling family member's death or illness requiring you to stay home.

3. I am interested in travel insurance plans that cover cancellation for any reason?

Trip cancellation provides coverage for "named peril" policies, meaning they will only cover you for a specific covered reason named in the policy. None of them provide coverage for "any reason" such as for a person's inability to get time off from work. Generally they cover cancellations due to health, weather, airline or cruise line bankruptcy, etc.

4. Which policies protect me if my trip is cancelled because of terrorist activity?

Many of our plans will offer coverage for "Terrorism". Trip cancellation coverage is generally considered to be a "named peril" type policy, meaning that only those perils that are named in the policy are covered. This includes terrorism. Each company however includes their own definition of terrorism.

5. I am in the military. What if I am called to duty or denied leave which prevents my travel?

If your leave is denied because of declared or undeclared war, all policies will exclude that reason. There are several companies that address military leave or being called to duty in one form or another: Access America, Travel Guard - Cruise, Tour & Travel plan, Travel Insured, TravelSafe and Travelex all have "perils" that touch on this.

What does trip protection insurance cover?

  • Health care expenses: Covers hospital medical expenses for sickness or accidents during travel.
  • Doctor visit: Covers Doctor visits in case of sudden injury or sickness.
  • Pharmacy drugs: Expenses from Doctor prescribed eligible pharmacy drugs.
  • Pre-existing conditions: Some plans cover acute onset of pre-existing conditions.
  • Medical evacuation: Medical evacuation expenses to nearest facility if needed.
  • Repat of remains: Repatriation of remains expenses to home country in case of death.
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Trip Insurance FAQ Disclaimer

AmericanVisitorInsurance and/or its associates have tried to answer these frequently asked questions to the best of our knowledge. However we make no guarantee regarding the accuracy of our answers. The exact answers for some of the questions can change periodically as insurance companies change their plans/policies. AmericanVisitorInsurance is not liable for any problem resulting from the content on this FAQ. If you do not agree with the terms of this disclaimer, please do not use any information in this FAQ.. Insurance questions, comments, suggestions, inquiries about this site, please contact us!