Plans can cover:
- Trip cancellations, interruptions, and delays
- Medical expenses
- Emergency medical evacuation
- Delayed, lost, or stolen baggage
- Cancel for work reasons
- Cancel for any reason
Some features are available only if insurance is purchased very soon1 after booking:
- Preexisting condition exclusion waiver
- Cancel for any reason
1Generally within 15 or 21 days of initial trip deposit or date of welcome letter.
The Importance of Insuring Trip Deposits–Even Small Ones–Promptly
Even with “Peace of Mind” cancellation policies (with small deposits and lenient cancellation provisions), most travel insurance…Continue Reading
We offer trip protection through Travel Insured International and Trip Assure. For highlights, click each link:
For quotes and more details about coverage limits and key provisions, please use the link below.
Frequently Asked Questions
What are Time Sensitive Benefits?
Benefits like “Cancel for Any Reason” and “Pre-Existing Condition Waiver” are time sensitive, so insurance must be purchased within a specific window of time (generally 10-21 days1) following the date of this letter or these benefits become unavailable.
- Cancel for Any Reason: This benefit can provide 75% of your non-refundable expenses if you cancel for a non-covered reason, such as changing your mind about a trip. A covered reason will continue to provide full benefits. This feature is expensive, but can provide much flexibility, and must be purchased within a specific window of time.1
- Pre-Existing Condition Waiver: Cancellations and other losses caused by pre-existing conditions are often not covered by travel insurance. However, such exclusions can be waived if travel insurance is purchased within a specific window.1 A pre-existing condition is generally an injury, sickness, or condition that occurs, or was treated, during the 60 days prior to the purchase of insurance. (See the certificate of insurance for precise definitions.) All non-refundable costs must be insured to qualify for the waiver, and you cannot be disabled from travel at the time of purchase.
1Time sensitive benefits are generally available if insurance is purchased within the 10-21 day window following the date of this letter. For details, call 866-679-7836.
Is Travel Insurance Refundable?
Travel insurance is generally non-refundable. There is usually a short “free-look period” to allow travelers time to review the certificate of insurance carefully and during which a refund is available. Even if the tour operator cancels and refunds your trip costs, the insurance premium is not refundable. However, as an accommodation during the pandemic and the resulting uncertainty around travel, when plans have changed like this our insurance partners have allowed customers to shift coverage to new travel dates with certain time restrictions.
Can I Pay As I Go?
Some trips require a relatively small deposit with a reservation, but don’t require additional payments until closer to the departure date. Given the refund policy explained above, it may be tempting to postpone the purchase of travel insurance until making additional larger payments, but doing so sacrifices the aforementioned time-sensitive benefits.
An alternative is to insure trip costs as you pay for them. For example, when you make a deposit, you can purchase insurance to cover just the deposit. This preserves your eligibility for time-sensitive benefits and minimizes the cost of insurance. As additional trip payments are made, it is critical to increase the insurance amount along the way. By the time you travel, all non-refundable trip costs must be insured.
What is Quarantine?
Travelers are increasingly concerned about being quarantined before or during a trip. Travel insurance policies have very specific definitions surrounding quarantines and under what circumstances a quarantine is a covered reason for trip cancellation, interruption, or delay.
The definition varies by insurer, but generally a quarantine is a strict medical isolation imposed by a recognized government authority, a medical examiner, or a physician to prevent the spread of a disease and requiring twenty-four hours per day, seven days a week confinement throughout its duration. A recommendation is not a quarantine. Deciding to “self-quarantine” upon the advice of or comments made by a public health official or a doctor in the media, does not meet the definition.
If you need to file a claim, please contact the claims department as soon as possible.
INFORMATION YOU NEED TO KNOW
Benefits on this website are described on a general basis only. There are certain restrictions, exclusions and limitations that apply to all coverages and services. This advertisement does not constitute or form any part of the Plan Description or any other contract of any kind. Plan benefits, limits, and provisions may vary by state jurisdiction.
Travel Insured International
This advertisement contains highlights of the plans, which include travel insurance coverages underwritten by United States Fire Insurance Company under form series T210 et. al. and TP-401 et. al. The plans also contain non‑insurance Travel Assistance Services provided by Active Claims Management (2018) Inc., operating as Active Care Management. The Crum & Forster group of companies is rated A (Excellent) by AM Best 2019. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Coverages may vary and not all coverage is available in all jurisdictions. Insurance coverages are subject to the terms, limitations and exclusions in the plan, including an exclusion for pre-existing 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 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. Individuals looking to obtain additional information regarding the features and pricing of each travel plan component, please contact Travel Insured International. California license #0I13223, 855 Winding Brook Drive, Glastonbury, CT 06033. CA DOI toll free number: 800-927-4357. MD Insurance Administration: 800-492-6116. Individuals looking to obtain additional information regarding the features and pricing of each travel plan component can contact Travel Insured at 800-243-3174 or firstname.lastname@example.org.
M&A provides travel insurance options from two partners:
- Trip Assure (underwritten by Generali)
- Travel Insured International (underwritten by US Fire)
Trip Assure and Generali.
Travel insurance plans from Trip Assure are underwritten by Generali U.S. Branch, New York, NY (NAIC # 11231), which is the travel insurance underwriter for Generali Global Assistance, formerly doing business as CSA Travel Protection. Generali US Branch operates under the following names: Generali Assicurazioni Generali S.P.A. (U.S. Branch) in California, Assicurazioni Generali – U.S. Branch in Colorado, Generali U.S. Branch DBA The General Insurance Company of Trieste & Venice in Oregon, and The General Insurance Company of Trieste and Venice – U.S. Branch in Virginia. Generali US Branch is admitted or licensed to do business in all states and the District of Columbia.
Travel Insured International and United States Fire Insurance Company.
Founded in 1994 by Peter Gehris, Travel Insured International is one of the leading travel insurance providers, offering the highest quality worldwide travel protection for over 20 years. Located in Glastonbury, Connecticut, the company offers an array of travel protection benefits including non-insurance Emergency Assistance and Evacuation, as well as travel insurance benefits including, Trip Cancellation and Trip Interruption Protection, Medical Insurance, Baggage Insurance, Airline Ticket Protection, and more. Travel Insured International maintains relationships with specialty travel providers and tour operators, as well as provides 24/7 assistance that allows you to travel relaxed, travel secured, and travel insured. Click here for current ratings.