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Trip Insurance - General Questions

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Do you want to insure trip cost as well as the health of the traveler?

     
     

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

Destination
Trip start date
Trip end date

Travel insurance with trip protection coverage - Highlights

Trip cancellation

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

Medical evacuation

Transportation to or between hospitals as needed.

Trip delay

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

Lost baggage

Pays sum for lost or delayed luggage by airline.

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 protection - Highlights

Health care expenses

Covers medical costs for sickness or accidents during travel.

Doctor visit

Covers cost of clinic or doctor visit.

Pharmacy drugs

Expenses from doctor prescribed eligible medications.

Medical evacuation

Transportation to or between hospitals as needed.

Repat of remains

Return of moral remains to home country or local burial.

What does trip protection insurance cover?

cancellation

Trip cancellation

Expenses due to pre-paid, non-refundable and unused payments.
medical evacuation

Medical evacuation

Emergency medical evacuation expense to medical facility.
delay

Trip delay

Reimbursement of additional expenses due to trip delay.
baggage

Lost baggage

Reimbursement for loss of checked in baggage expenses.
baggage

Baggage delay

Expense due to delay in arrival of baggage during travel.
medical expenses

Medical expenses

Medical treatment for sickness or injury during your vacation.

What does visitor travel 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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Get answers to all your questions?

Should I include the equivalent monetary "cost" of the airline ticket that I purchased with frequent flyer miles?

Generally the insurance companies will not insure tickets purchased with reward points or miles because no money has been paid. However, you should insure yourself for adequate trip interruption coverage. Make sure that you have purchased enough trip interruption coverage to cover the cost of an economy ticket home plus the cost of any unused, non-refundable land arrangements that you might lose if you have to interrupt your trip.

Is there any company that provides travel insurance to cover loss of frequent flyer program miles, should the airline go out of business or if I am unable to re-instate them in the event of cancellation of a trip?

No, there is no company in the travel insurance industry that will cover loss of frequent flyer points or miles. Travel Insured will reimburse the penalty fee to return tickets back into the point program.

Is it possible to insure the house or condo rental?

All of the companies on our website will provide reimbursement of villa, condo or other rental property as long as there is a written agreement/contract between the insured and the renter. Reimbursement of your pre-paid cost will be made if the trip cancellation or interruption was caused by a peril named in the policy.

What is meant by financial default coverage?

The Financial Default protection benefit is part of the Trip Cancellation/Interruption benefit. Financial default coverage applies if the airline, cruise line, or tour operator goes out of business and you are unable to travel or suffer financial loss. In order for this coverage to apply, coverage must be purchased within 7 - 21 days (depends on company) of the initial deposit. After determining if you qualify for the benefit, some of the plans have 7-14 day waiting period before the benefit would become effective. Additionally, this benefit would be only available if the airline, cruise line or tour operator was not in bankruptcy at the time you purchase your travel insurance policy and in the case of Access America, is listed on their list of approved companies and in the case of Travel Guard, is not on their list of disapproved companies.

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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..
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