Travel insurance questions and answers
160 answers from TravallamaINS, a licensed independent travel insurance agency, written mainly from the plan documents of the plans we offer. Benefits, limits and conditions differ by plan and by state, and the plan document governs.
What travel insurance covers
- What does travel insurance cover?
- Is travel insurance worth it?
- What is the difference between trip cancellation and trip interruption?
- What is a covered reason?
- Doesn't my credit card already cover this?
- Doesn't my health insurance or Medicare cover me abroad?
- Which insurance companies and plans do you offer?
- What is the difference between the plans?
- Which plan do you recommend?
- Who is the insurance company behind each plan?
- What is not covered?
- Is there a deductible?
- Is the medical coverage primary or secondary?
- Is COVID covered?
- Can I insure a trip within the United States?
- How long a trip can I insure?
- Is there an age limit?
When to buy travel insurance
- When should I buy travel insurance?
- I booked months ago. Is it too late to buy?
- What counts as my first trip payment?
- What is the time-sensitive period for each plan?
- What do I lose if I miss the 14 or 21 day window?
- Can I buy insurance after something has already happened?
- When does coverage start and end?
- How close to departure can I buy?
What travel insurance costs and what to insure
- How much does travel insurance cost?
- What determines the price?
- What trip cost should I insure?
- Do I have to insure the whole trip?
- Should I insure flights I booked with points or miles?
- Why does it cost so much more for older travelers?
- How much extra does Cancel for Any Reason cost?
- Do you offer discounts?
- Can I buy a plan just for medical coverage, without insuring my trip cost?
- Are taxes, fees and tips part of the trip cost?
Trip cancellation insurance
- What reasons for cancelling are covered?
- Can I cancel because I changed my mind or I'm nervous about going?
- What if a family member who isn't traveling gets sick or dies?
- Who counts as a family member?
- Do I need a doctor's note to cancel for illness?
- How much do I get back if I cancel for a covered reason?
- What if my traveling companion has to cancel?
- Is losing my job or being required to work covered?
- What if there is a hurricane, snowstorm or natural disaster?
- What if the airline cancels or changes my flight?
- Is jury duty or an extended school year covered?
- What if there is a death in the family before the trip?
- How soon do I have to cancel with the airline or program?
- If the program or airline gives me a credit instead of cash, does insurance pay me?
- What if I can't get a visa or my passport doesn't arrive in time?
- What if I am quarantined or test positive before the trip?
Cancel for Any Reason (CFAR) travel insurance
- What is Cancel for Any Reason?
- How much do I get back with Cancel for Any Reason?
- How late can I cancel with Cancel for Any Reason?
- What are the conditions to qualify for Cancel for Any Reason?
- Can I add Cancel for Any Reason later?
- Which plans offer Cancel for Any Reason?
- What is Interruption for Any Reason?
- If I have Cancel for Any Reason, do I still get 100% for a covered reason?
- Is there a maximum trip cost for Cancel for Any Reason?
- If I make more trip payments later, do I need to add them to keep Cancel for Any Reason?
- Is Cancel for Any Reason available in New York?
- What does Cancel for Fortuitous Reasons mean?
Travel insurance and pre-existing conditions
- What is a pre-existing condition?
- How far back do the plans look for pre-existing conditions?
- How do I get pre-existing conditions covered?
- My condition is stable and controlled by medication. Is it pre-existing?
- My parent isn't traveling but has a medical condition. Am I covered if they get worse and I have to cancel?
- Do I have to answer medical questions or take an exam?
- Does the pre-existing condition waiver cost extra?
- What does medically able to travel mean?
- I'm older and have a heart condition. Can I still be insured?
- I missed the waiver window. Is anything medical still covered?
- Which plan is best for pre-existing conditions?
Emergency medical and medical evacuation coverage
- How much medical coverage do the plans include?
- Will the plan pay the hospital directly, or do I pay and claim?
- What is medical evacuation and how does it work?
- Can I be flown home to my own hospital?
- Is pregnancy covered?
- Are dental emergencies covered?
- Are sports and activities like skiing or scuba diving covered?
- What happens if someone dies during the trip?
- What if I lose my prescription medication on the trip?
Travel delays, baggage and rental cars
- What do I get if my flight is delayed?
- What if I miss my connection or the start of my program?
- What is covered if my luggage is lost or delayed?
- Are jewelry, electronics and other valuables covered?
- Do I need receipts?
- Is a rental car covered?
- A delay means I would arrive on Shabbat or Yom Tov and can't travel then. Is the extra cost covered?
Travel insurance for Israel trips
- Can I insure a trip to Israel?
- Is war covered?
- Is terrorism covered?
- The State Department raised its travel advisory. Can I cancel and be reimbursed?
- My airline cancelled its flights to Tel Aviv. What does insurance do?
- I'm scared to go to Israel because of the news. Am I covered if I cancel?
- If a conflict was already going on when I bought the plan, is anything covered?
- Will the plan evacuate me if the security situation gets worse while I'm there?
- What if I'm stuck because the airport closed or flights stopped?
- Is being called up for military or reserve duty covered?
- Would medical coverage apply if I'm injured in an attack?
Travel insurance for Pesach programs, holiday programs and tours
- If the program or tour operator cancels, will insurance pay me back?
- What if the program operator goes bankrupt or disappears with my money?
- My family's trip costs a lot. Can I insure that much?
- The contract says no refunds. Does that affect my insurance?
- The program changed hotels or isn't what was promised. Can I cancel and claim?
- I pay for my trip in installments. How do I insure it?
- I paid the operator by check, wire or Zelle. Can I still insure the trip and claim?
- If someone gets sick during the trip and we all leave early, what is covered?
- I booked flights separately from the program. Is that one trip or two?
- The operator requires insurance or offers its own. Do I have to buy theirs?
- What if a delay makes us arrive late and miss part of the program?
Travel insurance for families and groups
- Can I put my whole family on one plan?
- How are children priced?
- How do I split the trip cost between family members?
- If one of us gets sick, can the whole family cancel?
- We're several households or live in different states. How does that work?
- Do you insure groups?
- Who counts as a traveling companion?
- Can I add a traveler to my plan later?
- Can travelers who don't live in the United States be insured?
State rules, refunds and the free look period
How to get a quote and buy
- How do I get a quote and buy?
- What information do you need for a quote?
- How do I pay?
- Can I send you my credit card number by text or email?
- What documents will I receive after buying?
- Where can I read the full plan details before I buy?
- Can I buy a plan for someone else?
- Does filling in the form buy insurance?
- Is the price on the site final?
- Do you offer annual or multi-trip plans?
- Do your plans cover cruises?
- Can I insure a trip to Cuba?
Changing your plan after you buy
- I made another trip payment or added a flight. How do I add it to my plan?
- My travel dates changed. Can I change my plan?
- My trip was cancelled and fully refunded. Can I get the insurance cost back?
- Can I upgrade my plan or add options after buying?
- Can I extend my plan if I stay longer?
- I made a mistake in a name or date of birth. Does it matter?
Travel insurance claims
Emergencies during a trip
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