Travel Insurance

We highly suggest taking out trip insurance on your vacation. Whether you booked with us, another agency or yourself we can protect the investment you've made in your vacation, as well as protecting you while you are traveling.

Proper Travel Protection can not only reimburse you the cost of your resort stay and your airfare, should you be interrupted or you need to cancel, but also cover medical costs you could incur while traveling.

We use, and recommend, the Worldwide Trip Protector program from TRAVEL INSURED. We've found the Worldwide Trip Protector plans provides the best value for insurance coverage and assistance and superior customer service. Travel Insured has come through for several of our clients when unforeseen circumstances occurred, and they really have saved their vacations as well as thousands of dollars.

Several options are available if you have unique needs or want a plan with more or less coverage.

Here is an overview of what they cover:

Comprehensive coverage for Trip Cancellation, Delay, and Interruption
Trip Delay and Missed Connections
Protects against Pre-existing Medical Conditions and Supplier Bankruptcy/Default when you purchase up to 21 days after initial trip deposit
Emergency Medical Expense, upgradable to primary
Medical Evacuation
Baggage Protection and Travel Accident Protection
24/7 Customer Care and Travel Assistance
14-Day Free Look – cancel your plan up to 14 days after purchase for full refund (minus $8 administrative fee)
Kids Free – children 17 and under traveling with insured adult

The cost of the trip insurance is based on the total amount of your trip, and your ages.

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FAQ

Can you ever decide to cancel your Worldwide Trip Protector policy for a refund?

Yes, you have 14 days for a "free look". You must give us written notice within either fourteen (14) days of the date of issuance of your policy or your scheduled departure date, whichever occurs first, provided you have not submitted a claim under the policy. If you cancel within the conditions we will refund your premium less the administration fee. If these conditions are not met, the policy cost is non-refundable.

When is the best time to purchase a Worldwide Trip Protector comprehensive plan?

The best time to purchase the policy is with your initial trip deposit, or within 21 days of the trip deposit. Your prompt purchase ensures that you are afforded the maximum protection under the policy.

What is a Waiver of a Pre-Existing Medical Condition?

This is a waiver that qualifies the Pre-Existing Medical Condition to not be excluded as a protected reason for a cancellation or interruption of your trip. To obtain the waiver you need to buy your insurance policy within a specified number of days from your initial trip deposit and insure the trip's full non-refundable cost. You must not be disabled from travel when you buy the policy, and the insured trip must be your first and only booking for the same destination and scheduled travel dates. The Worldwide Trip Protector Lite Expanded purchase within 14 days of the initial deposit; Worldwide Trip Protector purchase within 21 days of the initial deposit and Worldwide Trip Protector Gold purchase within 30 days of the initial deposit.

Who is considered a family member under the policy?

Any of the following relatives of you or your traveling companion is considered a family member under the policy: a legal or common law spouse; a domestic partner; a parent or legal guardian; step-parent, grandparent, parents-in-law, grandchild, natural or adopted child, foster child or ward, step-child, children-in-law, brother, sister, step-brother, step-sister, brother-in-law, sister-in-law, aunt, uncle, niece, or nephew.

What is a Pre-Existing Medical Condition?

A Pre-Existing Medical Condition is any injury, sickness or medical condition of yourself, a traveling companion or a member of your or your traveling companion's family for which medical advice, diagnosis, care or treatment was recommended or received within the 180 day-period ending on the effective date of your Worldwide Trip Protector policy. A condition is not considered pre-existing if the condition for which prescribed drugs or medicine are taken remains controlled without any change in the required prescription.

When is protection from an act of terrorism an included coverage?

You are eligible for your policy's trip cancellation or trip interruption benefits when a politically-motivated terrorist attack occurs in a city listed on your travel itinerary. The event must occur after your policy takes effect and within 30 days of your departure.

When does Worldwide Trip Protector provide coverage of a supplier bankruptcy?

Worldwide Trip Protector provides trip cancellation or trip interruption coverage for the bankruptcy or default of your travel supplier which occurs more than 14 days following the effective date of your policy. Coverage is not provided for the bankruptcy or default of the travel agency from which you purchased your land or sea travel arrangements

What is trip interruption insurance?

Trip interruption insurance is financial reimbursement for your unused prepaid travel expenses and/or the additional airfare to return home, when an unforeseen event, from which you are protected under your policy, causes you to cut short your trip and return home ahead of schedule.

What is trip cancellation insurance?

Trip cancellation insurance is financial reimbursement of your prepaid, non-refundable travel costs when an unforeseen event, which is a covered reason under your policy, causes you to cancel your trip.

What are the general types of coverage included in the Worldwide Trip Protector comprehensive plan?

The Worldwide Trip Protector comprehensive plan protects you both before your departure and during your trip from a wide range of unforeseen possible events that could cancel or interrupt your travel plans. Coverage includes trip cancellation, trip interruption and trip delay, missed connection, baggage and personal effects protection, baggage delay, emergency accident and sickness medical expense and emergency evacuation, travel accident protection and 24-hour Assistance Services. Travelers also have the options to purchase additional accident and sickness medical protection, additional emergency evacuation and repatriation, flight insurance in a choice of benefit amounts, and renters collision insurance for their rental car. Purchase of the optional medical upgrade will remove the deductible and excess insurance provision.