InsureMyTrip.com - The Travel Insurance Comparison Site
Call us at 800-487-4722
We're licensed insurance experts


 
BBBOnLine Reliability Seal

US Travel Insurance Association Member
 

General

Package Policies

Post-Sale Questions

Site Use





General

Q.
I want to make sure that we choose a reliable insurance company. Are the companies on this website reputable?
A.
All of the companies on our website are rated by A.M. Best which is an independent organization that rates insurance companies according to their financial strength. You can see each insurance company's A.M. Best rating while comparing or viewing policies on our website. For more information and a complete list of our provider's ratings, see A.M. Best Ratings Summary.

Back to Top



Q.
What is the definition of a Pre-Existing Medical Condition?
A.
The definition of a Pre-Existing Medical Condition varies from company to company. Generally, this would be any injury, disease or illness to You, a Traveling Companion, Family Member, or Business Partner occurring prior to and including the effective date of your insurance.

Back to Top



Q.
What is the Pre-Existing Condition Period?
A.
This is the number of days that the insurance company will "look back" from the day the insurance was purchased, to see if your claim is related to a Pre-Existing Medical Condition.

Back to Top



Q.
Can I purchase a Flight Accident Policy if I have already departed on my trip?
A.
These policies cannot be purchased if you have already departed on your trip. Only Travelex Flight Plus can be purchased on the day of departure as long as you have not left for your trip.

Back to Top



Q.
Does Medicare cover foreign travel?
A.
No, Medicare does not provide coverage while outside of the U.S. You should purchase travel insurance for possible medical emergencies while traveling outside of your home country.

Back to Top



Q.
Do I need travel insurance if I have a Medicare supplement?
A.
You should check the details of your program to see if you have coverage while outside of the U.S. Most travel insurance plans will pay you after any other Primary collectible insurance has paid the claim and the Primary policy's limits have been exhausted.

Back to Top



Q.
I do not reside in the U.S. or Canada. Am I eligible to purchase travel insurance?
A.
Yes, you can purchase travel insurance. When entering your information to obtain a quote, select "Other" as your residence and the policies that are available to you will appear with a price.

Back to Top



Q.
I need medical and evacuation/repatriation coverage in order to obtain a travel visa. Do you offer this type of coverage?
A.
Yes, we do offer this type of coverage on InsureMyTravelVisa.com. This website provides the necessary coverages that are required by the embassy or consulate to obtain your travel visa while traveling through the Schengen states. Please use the following link to be directed to the InsureMyTravelVisa website:

http://www.insuremytravelvisa.com/

Back to Top



Q.
What does "with US visit" mean?
A.
This plan would be needed if you are traveling in the U.S. and the U.S. is not your home country.

Back to Top



Q.
What does "no US visit" mean?
A.
This plan would be needed if you are traveling outside of the U.S. while outside of your home country.

Back to Top



Package Policies

Q.
Is there trip insurance available to cover the need to cancel a trip due to the death of a close family member - not one who is traveling on the particular trip?
A.
Yes, most of our Package Policies provide coverage for Trip Cancellation and Trip Interruption due to a non-traveling family member's unforeseen death or illness requiring you to stay home or return home earlier than expected. Each policy defines "family member" differently, but most include parents, grandparents, children, grandchildren, siblings, aunts, uncles, spouses and domestic partners under their definition.

Back to Top



Q.
I made my own travel arrangements and did not go through an agency. Can I insure my trip?
A.
Yes, all of our policies can be used by people making their own travel arrangements. The policies will cover your prepaid and non-refundable travel arrangements.

Back to Top



Q.
How do I determine the total cost of the trip?
A.
To determine the insurable cost of the trip, add together the cost of all of your prepaid and non-refundable travel expenses.

Back to Top



Q.
What is the latest date I can purchase travel insurance?
A.
You can purchase a policy up until the day before you travel. Some policies are available for purchase on the day of departure, however, our recommendation is to purchase as soon as possible to maximize your benefits. If you wait to make a purchase, you run the risk that something will happen before the policy takes effect.

Back to Top



Q.
Can I purchase a Package Policy if I have already departed on my trip?
A.
These policies cannot be purchased once you have departed on your trip.

Back to Top



Q.
What is considered the First Trip Payment Date?
A.
The First Trip Payment Date is the date that money first exchanged hands for the trip you want to insure. This is the date the check is written, not the date it is cashed.

Back to Top



Q.
When is the best time to purchase a Package Policy?
A.
To receive the most benefit from the travel policy you must purchase the insurance within 7 to 21 days (varies by company and plan) of your First Trip Payment Date. If the insurance is purchased within the 7 - 21 day period you receive three enhancements (varies by company and plan) to the policy:
  1. Protection against the Financial Default of a tour operator, airline or cruise line.
  2. The Pre-Existing Medical Condition Exclusion is usually waived.
  3. Terrorism in Itinerary City (included on some policies where the 7-21 day time frame is not required).
Please note that most companies count your First Trip Payment Date as day number one.

Back to Top



Q.
I booked part of my vacation, but not the flight. I would like to purchase travel insurance within the Pre-Existing Condition Exclusion Waiver period. Do I have to wait until the flight is booked?
A.
You should not wait until the flight is booked. The policy should be purchased within 7-21 days (depends on company) of your First Trip Payment Date in order to get the Pre-Existing Condition Waiver.

Back to Top



Q.
I am interested in travel insurance policies that cover cancellation for any reason. Does this exist?
A.
Yes, there are a few companies on our website that offer the "Cancel For Any Reason" option. If you would like to read more about these Package Policies and the requirements to qualify for this option, please click here.

Back to Top



Q.
When will my coverage become effective?
A.
Coverage begins at 12:01AM the day after you purchase a policy.

Back to Top



Q.
Which policies will protect me if my trip needs to be cancelled because of terrorist activity?
A.
Many of our plans offer Trip Cancellation and Trip Interruption coverage for a "Terrorist Incident" that occurs in an itinerary city during the course of travel. Each company defines "Terrorist Incident" differently. There are no policies that offer coverage for the threat of a "Terrorist Incident" or for any war-related activity.

Back to Top



Q.
I am in the military. What if I am called to duty or denied leave?
A.
If your leave is denied because of declared or undeclared war, most policies will exclude that reason. However, one company we offer called CSA Travel Protection does provide coverage for "revocation of the Insured's previously granted leave or re-assignment due to war. Official written revocation/re-assignment by a supervisor or commanding officer of the appropriate branch of service will be required."

Most of our other plans address military leave or being called to duty in order to aid in natural disaster relief other than war.

Back to Top



Q.
Is there any company that provides travel insurance to cover loss of frequent flyer program miles due to cancellation of a trip?
A.
Currently, no company insures the loss of frequent flyer miles or the value of the airline tickets obtained by using frequent flyer miles. Several companies on our website allow you to insure the fee charged by your travel supplier: Global Alert!, M.H. Ross, Travel Insured, and TravelSafe.

Back to Top



Q.
I am only using frequent flyer miles for my trip. How can I make sure to have coverage in case I need to purchase a ticket in the event that I need to end my trip earlier than expected?
A.
There are several insurance companies will allow you to include the price of an economy ticket home as part of your Trip Cost. Although you will not be able to get this amount reimbursed to you in the event of pre-departure Trip Cancellation, this will allow you to increase the amount of post-departure Trip Interruption coverage since the economy ticket is not a prepaid expense. Please call our office for further details.

Back to Top



Q.
Is it possible to insure the rental of a house or condo?
A.
All of the companies on our website will provide reimbursement of a villa, condo or other rental property as long as there is a written agreement/contract between the insured and the renter. Reimbursement of your prepaid and non-refundable cost will be made if the trip cancellation or interruption was caused by a peril named in the policy.

Back to Top



Q.
What is Financial Default coverage?
A.
Financial Default coverage is a benefit that is part of Trip Cancellation/Interruption coverage. This protection applies if the airline, cruise line, or tour operator goes out of business and you are unable to travel as a result or suffer financial loss. Since this coverage is time sensitive, you must purchase a policy within 7 - 21 days (depends on company) of your first trip payment date. All of the plans that contain this benefit have a 7-30 day waiting period from the time of purchase before becoming effective. Additionally, this benefit would only be available if the airline, cruise line or tour operator you are using is listed as either approved or is not excluded from coverage per the insurance company's "Travel Supplier Restrictions" list.

Back to Top



Q.
Would a loss due to the Financial Default of a travel agent or tour operator be covered by any of the insurance plans?
A.
Financial Default of a travel agency would not be covered; a tour operator would be covered as long as the arrangements were made through a third party and not directly through the tour operator. In the rare occurrence that the Travel Agent did not fulfill the requested service, the best way to recover your loss would be through the credit card company. You may also file a complaint with your State Consumer Protection Agency.

Back to Top



Q.
What is the difference between a travel agent and a tour operator?
A.
A travel agent is someone who books flights, cruises and tours. A tour operator is a company which specializes in the planning and operation of pre-planned vacations, which are usually sold to the public through travel agents.

Back to Top



Post-Sale Questions

Q.
I made a mistake in entering my data, what should I do?
A.
You can send an email to service@insuremytrip.com to make changes to your policy. Please include your order number on all email correspondence. If you prefer, you can call us with your changes at our toll free number (800) 487-4722.

Back to Top



Q.
I did not receive a copy of my travel insurance policy yet. What can I do?
A.
If you selected to receive your policy via email, please allow 24 hours for it to be sent by the insurance company and check any spam or junk mail folder for the email. If you selected to receive your policy via postal mail, please allow 7-10 business days to receive it from the insurance company. If you have not received your policy in the appropriate time, you can contact our Customer Service Department and we will have the policy resent.

Back to Top



Q.
How do I cancel a policy I purchased?
A.
All cancellation requests must be made in writing. An email can be sent to service@insuremytrip.com to request cancellation.

Back to Top



Q.
Am I charged a fee to cancel my policy?
A.
InsureMyTrip does not charge any additional fees to cancel a policy. However, most insurance companies will retain a non-refundable administrative fee.

Back to Top



Site Use

Q.
My child is under the age of 1. How do I enter his or her age on the Quote form?
A.
For children under the age of 1, enter <1. You also have the option of entering Dates of Birth rather than ages to obtain a quote.

Back to Top



Q.
I am going to multiple destinations. What should I use for the Primary Destination?
A.
The Primary Destination is the place where you are going to spend a majority of your time while on your trip.

Back to Top



Q.
I input my family's ages into the quote screen. The quote presented is for the whole family not per person, right?
A.
Yes, the quoted premium is the final cost for all traveler ages entered. The benefits illustrated on the Quote are per person benefit limits unless noted by a red asterisk.

Back to Top



Q.
Can I view the policy prior to purchase?
A.
Yes, you can view all coverage details by clicking on the underlined terms in the Product compare or Quote pages. A box will appear showing a description of benefits.

Back to Top







































Sitemap