About Travel Protection
Why Buy Travel Protection?
Planning your vacation can be a stressful experience. Going on your vacation shouldn't be. But emergencies and circumstances beyond your control can happen at unexpected times, and this is why Travel Protection gives you reassurance that you will never have to worry while you are away from home. Nobody ever wants to use Travel Protection, and we hope you never have to.
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Frequently Asked Questions
What is Travel Protection?
Travel Protection is insurance to protect your vacation investment. In the event that you need to cancel your trip, or leave your trip early due to situations like illness, injury, family emergencies, Travel Protection may cover your emergency travel expenses, medical costs, and any fees and penalties incurred.*
* Dependent on policy terms and conditions.
Why do I need it?
Travelling without insurance is like riding a bicycle without a helmet. Because emergencies happen when you least expect, insurance is a preventative measure to protect you in case of the unforeseen.
What does Travel Protection cover?
There are two main types of Travel Protection: Medical Coverage and Cancellation & Interruption insurance.
Medical coverage insures you in case of medical emergencies while you are away from home. Medical coverage however, does not cover any non-stable pre-existing medical conditions.
Cancellation & Interruption insurance covers you in case you have to cancel your trip for reasons such as losing a job, family emergency, personal illness, or natural disaster. The Cancellation and Interruption plan covers any cancellation penalties charged by the cruise line. Also, in the event of a covered medical emergency which arises after you leave on your trip, the plan covers all the costs related to an early or delayed return home.
What is a "pre-existing medical condition"?
A pre-existing medical condition is any condition that existed 3-6 months prior to purchasing your Travel Protection. A condition is pre-existing if you took or received a prescription for any drug or medication, or if you received a recommendation for a diagnostic examination or medical treatment.
Stable pre-existing medical conditions however, such as those being treated solely through prescription medication and remain controlled throughout this period, are covered by our medical coverage plan.
How much does it cost?
Travel Protection costs vary, depending on such factors like the duration of your trip, the costs of the trip, and your age. Because of these variables, it is best to speak with one of our qualified insurance specialists to find out what is best for your needs.
What happens if I have to cancel my trip?
If a covered medical emergency arises before you go on your trip, our Cancellation & Interruption Plan covers the cancellation penalties that you may be charged by the cruise line.
What if I already have extended health care?
Most extended health care plans do not provide full coverage once you are outside the country and will only pay for a portion of your expenses in case of emergency.
What if I have coverage from my credit card company?
We recommend you check the fine print on restrictions on any insurance coverage from your credit card company. Most of these policies have maximum limits on how much you will be entitled to, and may not cover the full expense of the costs and expenses incurred.
Who can I talk to if I have more questions?
All of our Travel Protection Specialists maintain current certifications. Call to speak with one of our certified Travel Protection Specialists who are available to answer any questions you may have.