Question and Answers
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 (888) 885-7233. Our Customer Service Representatives will be happy to help you!
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. citizen or resident 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.
No! Someone doing this would be committing a criminal offense - insurance fraud. 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.
Although several of our plans include trip cancellation, we don't currently offer a "cancellation-only" plan.
TravelSafe offers plans with several levels of protection, all at competitive prices. While it is possible to pay less through a cruise or tour operator, your coverage and benefits are generally going to be more restrictive and provide lower benefit limits. Peace of mind of enhanced protection will allow you to relax and enjoy your vacation. There are many other advantages to insuring with a third-party provider like TravelSafe, such as protection from bankruptcy or default of your cruise or tour provider, 24-hour emergency assistance from anywhere in the world and direct payment to your medical provider in the event of an emergency. Plus, many cruise and tour insurance plans only cover you during the time and place they are hosting you, and may only offer credit rather than cash in the event of a claim. TravelSafe protects you before, during and after your trip, and our claims are paid in cash.
With the "Cancel For Any Reason" benefit option, If You cancel Your Covered Trip for any reason not otherwise covered by this plan, you will be reimbursed for seventy-five percent (75%) of the prepaid, forfeited, nonrefundable Payments or Deposits You paid for Your Covered Trip provided:
(a) Your plan payment is received within fifteen (15) days of the date Your initial deposit/payment for Your Covered Trip is received; and
(b) You insure all prepaid Covered Trip costs that are subject to cancellation penalties or restrictions; and
(c) You also insure within fifteen (15) days of the payment for those arrangements the cost of any subsequent arrangements (or any other arrangements not made through Your travel agent) added to Your Covered Trip; and
(d) You cancel Your Covered Trip two (2) days or more before Your Scheduled Departure Date.
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 days prior to your effective date with TravelSafe are considered Pre-Existing Conditions. This means we look back 60 days prior to the date you purchased the insurance, which is significantly less than many of our competitors.
Important: The policy exclusion for Pre-Existing Conditions will be waived, if:
1. your enrollment form and your premium payment is received (or, if mailed, is postmarked) within 15 days of the date your initial trip deposit is received;
2. you insure all prepaid trip costs that are subject to cancellation penalties or restrictions (see Enrollment Form for more details); and
3. you are not disabled from travel at the time you pay your premium.
Unless you meet the Pre-Existing Conditions Waiver requirements detailed above, the policy does not cover your Pre-Existing Conditions and those of a traveling companion or an immediate family member traveling with you. Unlike some of our competitors, however, our Pre-Existing Condition requirements apply only to travelers, not to non-traveling family members.
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 your effective date are not considered to be Pre-Existing Conditions. See the TravelSafe policy for complete details about Pre- Existing Conditions.
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, and
2. The terrorist act must occur within 30 days of the scheduled departure date for your trip.
TravelSafe covers Pre-Departure Trip Cancellation or Post-Departure Trip Interruption due to Bankruptcy or Default (as defined in the policy) of an airline, cruise line or tour operator if:
1. the Bankruptcy or Default is not of the person, organization or firm from whom you directly purchased or paid for your trip; and
2. the Bankruptcy or Default occurs more than 14 days following your effective date for the Pre-Departure Trip Cancellation Benefits.
Important: There is no coverage for any claim arising from either: 1) 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.
TravelSafe protects you in several ways. If your flight is canceled due to bad weather or an organized labor strike (provided the strike occurs after you pay your premium) you can take a later flight. You will be reimbursed for the additional transportation expenses to join your trip, less any refunds paid or payable for your original tickets and not to exceed the cost of one-way economy airfare, or first class if your original tickets were first class. Plus, you will be reimbursed for the cost of any unused land or water travel arrangements.
If, prior to departure or while on your trip, your hotel or resort is damaged or closed due to bad weather and the hotel or resort cancels your reservation (and cannot provide you with comparable accommodations elsewhere), you will be covered. See the TravelSafe policy for complete details of this coverage.
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 refundable and not subject to cancellation charges or restrictions.
If you insure an amount less than your total prepaid trip costs that are subject to cancellation penalties or restrictions:
1. the maximum benefit for the Pre-Departure Trip Cancellation and/or Post-Departure Trip Interruption will be limited to the amount of coverage you purchased; and
2. there will be no coverage available under the optional Cancel For Any Reason benefit, if purchased. Also, there will be no waiver of exclusion for Pre-Existing Conditions and financial insolvency.
TravelSafe covers all baggage delays of 12 hours or more during your trip. You will be reimbursed for personal articles you buy (such as toiletries, a change of clothing, etc.) up to $250. Be sure to keep receipts for anything you purchase. TravelSafe will also track your delayed or lost baggage for up to one full year, if requested.
TravelSafe plans provide coverage 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, plus you can choose your evacuation hospital. See TravelSafe policies for complete details of these coverages.
TravelSafe includes a 24-hour worldwide assistance services to help you with medical or legal emergencies during your trip. See the TravelSafe policies for complete details of these services.
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, under the Gold and Platinum Plans, TravelSafe does reimburse up to $250 toward the cost of an airline-imposed change or reissue fee if your trip is cancelled by your travel supplier, plus up to $250 toward fees to re-bank frequent flyer miles.
TravelSafe Insurance is available exclusively to citizens or legal residents of the USA . 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 , his/her claim will be denied and premium will be refunded.
If you have a specific question about a TravelSafe Insurance Plan, please contact TravelSafe at (800) 523-8020 or email info@travelsafe.
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 Waivers, Financial Insolvency protection and our Cancel For Any Reason terms.
* 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.