FAQ

Have your plans changed?

Yes, we introduced 3 new single-trip plans on December 11, 2024 called Worldwide Trip Protector Platinum, Deluxe, and Essential. These plans offer more customizable coverage based on your trip type. At this time, residents of Montana, New York, and Washington are not eligible for these new plans, but will still be able to purchase the previous Worldwide Trip Protector and Worldwide Trip Protector Edge plans.

If you had a saved email quote for the previous plans, you will be redirected to a quote for the new plans.

Do you offer cancellation coverage on its own? I don’t need anything else.

Each of our single-trip plans include Trip Cancellation coverage. We do not currently offer a "cancellation-only" plan. Our annual plan offers the option to add Trip Cancellation coverage on a per-trip basis, at an additional cost.

Can I omit some of the coverage that I don’t need?

Our products are complete benefit packages; coverage cannot be omitted. We offer a line of products with varying benefits and maximum benefit amounts, and are confident one of our plans can be the right fit for you. Each plan offers optional upgrades or bundles so you can customize coverage for your trip's needs.

Who counts as a “Family Member”?

For our Worldwide Trip Protector plans (Platinum, Deluxe, and Essential) the definition is as follows:
“Family Member” means any of the following: Your or Your Traveling Companion’s legal spouse/domestic partner, children (includes in-law, step, foster, ward, or legal ward), sibling (includes step or in-law), parent (includes step or in-law and legal guardian), grandparent, grandchild, aunt, uncle, niece or nephew.

Are children included at no cost?

Children 17 and under traveling with an insured adult are included at no extra cost on the base plan for Worldwide Trip Protector Platinum and Deluxe. Any optional coverages or bundles will still need to be added at an extra cost. Children can be added for a cost on Worldwide Trip Protector Essential.

Who can I list under the same plan?

Anyone who resides in the same household can be on the same plan, otherwise they must be on separate plans.

Can I add to/change my plan’s trip cost at a later date if I make additional purchases for my trip?

Yes, you can add pre-paid and non-refundable trip costs as long as it is prior to departure. Be sure to add trip costs within 21 days for the Platinum and Deluxe plans (14 days for the Essential plan) from the change of trip cost in order to be eligible for any time sensitive benefits. You can do so through your Travel Insured account or by contacting Customer Care.

When is the last day I can buy a plan?

You may buy a plan up until departure, however the coverage will not go into effect until 12:01 AM the following day.
For example: If you buy a plan at 9:00 AM Monday, the coverage will not go into effect until 12:01 AM Tuesday. If you buy a plan at 11:30 PM Wednesday the coverage will go into effect after 30 minutes at 12:01 AM Thursday.

What’s the difference between primary and secondary coverage?

Primary coverage removes excess insurance limitations for benefits. If you have primary coverage with us you will submit a claim directly with us first, whereas if your coverage is secondary you must go through your other provider(s) first. If they deny you or do not cover the full amount then you may file a claim with us. Our Worldwide Trip Protector Platinum and Deluxe plans offer primary coverage (except for Rental Car Damage and Theft coverage).

How do I calculate my trip cost?

Your trip cost should include any expenses that are prepaid and non-refundable.

What are non-insurance assistance services?

Also referred to as Traveler Support Services, this 24/7 worldwide assistance service is included with every Travel Insured plan. The available services from our partner, C&F Services, range from trip planning assistance to medical emergency help. Our other partner, Blue Ribbon Bags, offers a service to track and expediate the recovery of delayed baggage at no additional charge.

If needed, what is the process of being medically evacuated?

You would call C&F Services, our emergency assistance partner, and they would work with you and their emergency team/personnel. They can help evacuate you to the nearest suitable facility where medically necessary treatment is available, when your condition is deemed to be acute, severe, or life threatening and adequate treatment is not available in the immediate area. If you would like to learn more about the medical evacuation procedure, please refer to your Plan Document for more specific details.

What’s the difference between Trip Cancellation and Trip Interruption coverage?

If you are not able to take your trip due to a covered reason you would file a Trip Cancellation claim. If you have already departed for your trip and have to return home for a covered reason you would file a Trip Interruption claim. See Our Chart for Trip Cancellation and Trip Interruption Covered Reasons.

See Also:

Claims FAQs

This website contains highlights of the plans developed by Travel Insured International, which include travel insurance coverages underwritten by United States Fire Insurance Company, Principal Office located in Morristown, New Jersey, under form series T7000 et al, T210 et al and TP-401 et al, and non-insurance Travel Assistance Services provided by C&F Services and Blue Ribbon Bags (on select plans only). The terms of insurance coverages in the plans may vary by jurisdiction and not all insurance coverages are available in all jurisdictions. Insurance coverages in these plans are subject to terms, limitations and exclusions including an exclusion for pre-existing medical conditions. In most states, your travel retailer is not a licensed insurance producer/agent, and is not qualified or authorized to answer technical questions about the terms, benefits, exclusions and conditions of the insurance offered or to evaluate the adequacy of your existing insurance coverage. Your travel retailer may be compensated for the purchase of a plan and may provide general information about the plans offered, including a description of the coverage and price. The purchase of travel insurance is not required in order to purchase any other product or service from your travel retailer. CA DOI toll free number is 800-927-4357. The cost of your plan is for the entire plan, which consists of both insurance and non-insurance components. Individuals looking to obtain additional information regarding the features and pricing of each travel plan component, please contact Travel Insured International. P.O. Box 6503, Glastonbury, CT 06033; 855-752-8303; [email protected]; California license #0I13223. While Travel Insured International markets the travel insurance in these plans on behalf of USF, non-insurance components of the plans were added to the plans by Travel Insured and Travel Insured does not receive compensation from USF for providing the non-insurance components of the plans.