Travel Insurance & Resources

Click the links below to learn more about various travel insurance and emergency coverage offered to Engaging Journey travelers.

Engaging Journeys partners with Meyer and Associates to provide travelers with a choice of plans to meet their specific needs and budget.

Trip Protection

Trip Protection plans can reimburse for expenses caused by trip delays, interruptions, or cancellations, whether due to illness of the traveler, travel companion, or family member.

Travel Medical Coverage

International travel can be exciting, but there’s always a chance you may need emergency or other medical care while traveling abroad.

Global Medical Transport

Protect yourself with a discounted travel medical transport, security, and crisis response plan. Annual, multi-year, and short-term memberships are available.

Travel Protection – FAQs

Especially at this time, we strongly recommend that you purchase trip cancellation insurance and also highly recommend that you consider securing “cancel for any reason” travel coverage (CFAR). Many travel insurance policies treat Covid-19 as any other illness for the purpose regarding coverage. Engaging Journeys currently works with two insurance providers: Travel Insure International and TripSelect. The questions and answers below are based on these plans; however, you may choose any travel protection provider.

Please click here for the complete Explanation of Benefits for Travel Insure International.

What happens if my flight is delayed or canceled?

You will be reimbursed up to $200 per day to a maximum of $1500 for any additional accommodation and travel expense if you incur a delay of 3 hours or more.

If the tour operator cancels my trip, can I get a refund of the insurance premium?

The insurance companies are offering travel credits for future trips in the full amount of the insurance premium you paid. You may transfer your insurance coverage to a different trip and destination as long as those dates are no more than 18 months from the date of cancellation. Notice must be received before the scheduled departure date.

Can I cancel my trip if I am scared to travel?

Fear or concern about traveling is generally not a covered reason for canceling your trip. Being cautious in these uncertain times is entirely understandable and some travelers may wish to cancel a trip based on Coronavirus fears. In most cases, you will need to have a plan with Cancel for Any Reason Coverage. If your travel protection plan includes Cancel for Any Reason benefits, you may be covered for a percentage of the loss in the form, or a credit or refund based on the terms of your specific plan. Remember, these plans reimburse at 75% of the insured amount.

If my travel protection plan includes Cancel for Any Reason (CFAR) benefits and I cancel my trip, am I covered?

Cancel for Any Reason (CFAR) will reimburse you up to 75% of your non-refundable insured trip cost, provided you cancel the trip two (2) days or more before your scheduled departure date. CFAR is not available in MO, NY, or WA. CFAR coverage provides reimbursement for a percentage of the prepaid, non-refundable, forfeited payments you paid for your trip, if you cancel your trip for any reason not otherwise covered by your policy. It must be purchased with the initial policy and within 21 days of the initial trip deposit date, and the full, non-refundable trip cost is insured.

Is it possible to cancel my trip because of a travel advisory or border closing? for Any Reason (CFAR) benefits and I cancel my trip, am I covered?

Trip cancellation benefits are given if a covered reason is the cause of the cancellation. A Travel a travel alert or travel warning for levels 4 and higher is issued for cities listed on Your itinerary after Your Effective Date for Trip Cancellation to a destination specifically listed on Your Itinerary. The travel alert/warning, etc. must occur within 30 days of the scheduled Departure Date (Travel Insure International).

Can I get medical coverage if I get infected by Coronavirus during my trip?

If your doctor thinks you should not travel due to your age, an underlying condition, or even just to be safe, unfortunately, this is not covered unless you have Cancel for Any Reason (CFAR).

If I have booked a trip that leaves at some future date and my destination is affected by COVID-19, will I receive reimbursement if I cancel my trip?

If your doctor thinks you should not travel due to your age, an underlying condition, or even just to be safe, unfortunately, this is not covered unless you have Cancel for Any Reason (CFAR).

My doctor has recommended that I do not travel. Can I cancel my trip?

As COVID-19 currently impacts almost all destinations, fear or concern about traveling is not a covered reason for canceling your trip. However, certain travel protection plans may provide coverage if you have been diagnosed with COVID-19, are under quarantine or are traveling to a destination that is currently under a CDC travel restriction. Before canceling your trip, please review the Trip Cancellation section of your plan to determine covered reasons for which you may be eligible to receive reimbursement or a refund or credit. Please check with your travel provider to see if you can cancel or reschedule your trip without incurring fees or penalties regarding potential refund, travel credit, or rescheduling options.

How much will my Travel Protection Plan cost?

The cost of your plan will depend on a number of factors, including the destination, the duration, your age, cost of your trip, and whether you choose optional items such as CFAR. You can quickly get a quote on this cost by visiting TRAVEL PROTECTION PLANS

What are Pre-Existing Conditions and how can Pre-Existing Conditions be covered?

A pre-existing condition is any injury, illness, sickness, disease, or other physical, medical, mental, or nervous disorder, condition or ailment that, with reasonable medical certainty, existed at the time of the coverage application or at any time during the two (2) years prior to the Effective Date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, treated, or disclosed to the Company prior to the Effective Date. To cover pre-existing conditions, coverage must be purchased within 21 days of your initial deposit date.

Is COVID-19 (the Coronavirus) treated the same as other sicknesses under the terms of the Plans?

Yes. COVID-19 is treated that same as any other sickness for purposes of pre-existing conditions and all coverages that are triggered by a sickness or that can reimburse losses resulting from a sickness – including deaths caused by sickness.

Do limitations and exclusions apply to COVID-19 related claims? Does the Exclusion for Pre-Existing Conditions apply to COVID-19 related claims?

The same limitation and exclusions that apply to all claims also apply to claims related to COVID-19, including the Exclusion for Pre-Existing Conditions. Please note that the same rules that govern all pre-existing conditions also apply to COVID-19.

If I am diagnosed with having contracted Covid-19 and am consequently unable to embark on or continue a trip due to this, would I have an eligible claim under Trip Cancellation coverage or Trip Interruption coverage?

Both Trip Cancellation coverage and Trip Interruption coverage can include “Sickness” as a covered reason. In order for the “Sickness” trigger to apply for either Trip Cancellation coverage or Trip Interruption coverage, you must require medical treatment at the time of the cancellation or interruption (as applicable), and a Legally Qualified Physician (as defined by your Plan) must determine that your sickness requires you to have to cancel or interrupt your trip. If a Legally Qualified Physician is employed by the travel supplier to administer the temperature check and determines that your fever prevents you from being able to embark on or continue your trip, then there may be Trip Cancellation coverage or Trip Interruption coverage (as applicable), subject to the standard terms and conditions of your Plan.

How do I submit a claim and what documentation is required?

Whether your claim for medical treatment, a cancelled trip or lost baggage, contact Trawick International and submit a claim form for the appropriate matter.

What is the definition of quarantine?

A Legally Qualified Physician must confirm that your fever prevents you from continuing on your trip and that you must be quarantined. Quarantined is defined as a strict medical isolation imposed by a recognized government authority, their authorized deputies, a medical examiner or a physician to prevent the spread of a disease requiring you to be confined 24 hours per day throughout the duration.

What happens if I test positive before returning to the US?

Your tour operator will assist you with finding the appropriate hotel in your destination country that abides by the requirements of that country. Travel Insure International offers an Optional Travel Inconvenience: Bedrest Policy. If you are treated by a Physician for a Sickness or Injury during Your Trip, and are required to stay on bed rest or is Quarantined to Your room for at least 48 hours, as prescribed by a Physician, you will be up to a maximum of $4,000.

Passport and Visas

You will need a signed and valid passport for all international travel and/or  visas, if required. Passport processing times have increased due to high volume, so be sure to apply well in advance. 

Health Safety:
 Find out about disease outbreaks from the  Centers for Disease Control. The CDC provides up-to-date health notices for destinations outside the U.S. The  U.S. Department of State also provides information about health conditions, security, and embassy or consulate contact information for every country in the world. 

Smart Traveler Enrollment Program (STEP):
 The  Smart Traveler Enrollment Program (STEP) is a free service to allow U.S. citizens and nationals traveling abroad to enroll their trip with the nearest U.S. Embassy or Consulate. STEP enables you to receive important information from the Embassy about conditions in your destination country, helping you make informed decisions about your travel plans. The program helps the U.S. Embassy contact you in an emergency, whether natural disaster, civil unrest, or family emergency.

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