Reimbursement for loss of pre-paid, non-refundable payments.
Transportation to or between hospitals as needed.
Reimbursement of food and lodging expenses due to delay in travel.
Pays sum for lost or delayed luggage by airline.
Covers cost of treatment for sickness or injury during your vacation.
Covers hospital medical expenses for sickness or accidents during travel.
Covers Doctor visits in case of sudden injury or sickness.
Expenses from Doctor prescribed eligible pharmacy drugs.
Some plans cover acute onset of pre-existing conditions.
Medical evacuation expenses to nearest facility if needed.
Repatriation of remains expenses to home country in case of death.
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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.
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.
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.
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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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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