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.

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.

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.

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).

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).

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.

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

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.

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