TravelSafe FAQ

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 1-888-885-7233. Our Customer Service Representatives will be happy to help you!

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Can anyone purchase a TravelSafe Insurance Plan? Do I need to go through a travel agent?

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.

I don't have travel insurance, but something just happened that forces me to cancel my trip. Can I buy your insurance to cover my trip cost, then file a claim to get my money back?

No! Someone doing this would be committing insurance fraud, which is a criminal offense. 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.

Do you sell trip cancellation insurance?

We treat trip cancellation as a benefit within our policies, not its own insurance plan. All of our plans include trip cancellation and are paired with various important benefits to make your policy more effective.

Insurance offered by my cruise line or tour operator seems a lot cheaper. Why should I insure with TravelSafe instead?

While it is possible to pay less through a cruise line or tour operator, it is usually at the expense of your coverage. The benefits are generally more restrictive with lower limits and are often secondary versus primary benefits.

TravelSafe offers plans with several levels of protection, all at competitive prices. The plans available include primary coverage for your trip, yourself and your belongings. This is all while insuring for things the cruise or tour operator cannot insure against – like bankruptcy or default. You’ll also receive 24-hour emergency assistance from anywhere in the world, direct payment to your medical provider in the event of an emergency, and our claims are paid in cash.

Unlike TravelSafe Insurance, many cruise and tour insurance plans only cover you during the time they are hosting you. This leave you to fend for yourself before, during and after your trip should anything disrupt your travels. Should you have to file a claim with your cruise or tour operator insurance, you may receive a credit for a future excursion versus a cash claim.

What is the "Cancel For Any Reason" benefit and how does it work?

The “Cancel For Any Reason” Benefit is designed to enable you to cancel your trip for reasons not covered by your policy, and provides a 75% reimbursement for the unused, nonrefundable and prepaid expenses for your travel arrangements. There are eligibility requirements for “Cancel For Any Reason.”

How can I qualify for "Cancel For Any Reason?"

As long as you meet the four criteria below, you are able to qualify for the “Cancel For Any Reason Benefit:”

  1. Your Premium payment must be received within 21 days of the date your initial deposit or payment for your trip was received.
  2. You must insure the full cost of all travel arrangements.
  3. You must cancel your trip 2 days or more before your scheduled trip departure date.
  4. You are not a citizen of New York State. Travel insurance is state-regulated, and New York State has declared plans including “Cancel For Any Reason” ineligible to its citizens.

What are Pre-Existing Conditions?

Definition: 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.

To see if the medical condition is a Pre-Existing Condition, we look back 60 days prior to the effective date of your insurance. This is significantly less than many of our competitors who are anywhere from 120-180 days.

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.

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.

What if a non-traveling family member becomes ill, or their condition worsens? Do Pre-Existing Conditions apply to the non-traveling family member?

Our Pre-Existing Condition requirements apply only to insured travelers, not to non-traveling family members.

What if I don't want to take my trip because of recent terrorist attacks?

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.
  2. The terrorist act must occur within 30 days of the scheduled departure date for your trip.
  3. If your supplier or tour operator offers you a substitute city on your itinerary, you are not eligible for coverage.

Am I covered if the tour operator, airline or cruise line with which I have booked ceases operations or becomes financially insolvent?

Many TravelSafe plans cover Trip Cancellation or Trip Interruption due to bankruptcy or default (as defined in the policy) of an airline, cruise line, tour operator, or other travel supplier under the conditions listed below:

  1. The bankruptcy or default is not of the person, organization or firm from whom you directly purchased or paid for your trip.
  2. The bankruptcy or default occurs more than 14 days following your effective date for the Trip Cancellation Benefits.
  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.

What happens if my flight is canceled?

Flight cancellation can happen for many different reasons like bad weather, mechanical breakdown of the aircraft, or even an unannounced strike. Sometimes you can take a later flight. With TravelSafe, you can be reimbursed for the additional transportation expenses to join your trip, as long as the refunds do not exceed the cost of one-way economy or first class airfare, depending on which you were originally flying. You can also be reimbursed for the cost of any unused land or water travel arrangements.

What if bad weather is predicted where I plan to travel? Will TravelSafe cover me if I cancel my trip?

Bad weather can mean different things to each of us. A possible rainy day is not necessarily enough to cancel your trip to Italy, but if the weather is enough to damage or close the hotel or resort and your reservation is canceled, you will be covered.

If your trip destination is under a hurricane warning issued by the NOAA National Hurricane Center, you may be eligible for the reimbursement under our Trip Cancellation Benefit. Your cancellation would have to occur 15 days after the effective date of your policy and within 48 hours of your trip. Other than this, the policy does not provide coverage if you cancel your trip based upon what might happen.

See the TravelSafe policy for complete details of this coverage.

Should I purchase insurance for the full cost of my trip?

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.
  2. In order to qualify for “Cancel For Any Reason,” you must insure the full cost of your trip.

What happens if my bags do not arrive at my destination when I do? What do I do?

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. If requested, TravelSafe will also track your delayed or lost baggage for up to one full year.

If I require medical care while on my trip, are my medical bills covered?

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.

Does TravelSafe cover my frequent flyer miles?

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 to 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.

Who may purchase TravelSafe Vacation Insurance?

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.

If I am waitlisted for a trip, when must I purchase travel insurance?

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.