Answers from TravallamaINS, a licensed independent travel insurance agency, to common questions about this. Benefits, limits and conditions differ by plan and by state, and the plan document governs.
We currently offer plans to residents of Florida, California, Illinois, Michigan, North Carolina and New York.
If you live in another state, we are not able to offer you a plan at this time. Our Licenses page lists our license numbers, and they can be verified at nipr.com using NPN 8469572.
Travel insurance is approved state by state, so benefits, wording, price and optional upgrades can differ depending on where you live. Some plans or upgrades are not approved in every state.
Your state of residence decides which version you get. The plan cards link to the plan document that applies to you.
Where you live. Enter the state of your primary residence, the home you use for legal and tax purposes. Your destination is entered separately.
Yes, within the plan's review period, as long as you have not left on your trip, have not had a loss that could be claimed, and have not filed a claim. After that the plan cost is not refundable.
To cancel, email info@travallamains.com with your plan number and we will arrange it with the insurance company.
Please contact us first at info@travallamains.com so we can try to resolve it. For a claim decision, you can ask the insurance company in writing to review it; the Travel Insured New York plan document sets out a formal grievance procedure.
You can also contact the insurance department of your state. New York residents: New York State Department of Financial Services, dfs.ny.gov.
Last updated October 2026.
For residents of Florida, California, Illinois, Michigan, North Carolina and New York. Enter your state, dates and trip cost to see the plan options side by side. Getting a quote does not buy insurance.