The cost of the trip insurance is based on the total amount of your trip, and your ages.
Benefits Summary:
Comprehensive coverage for
Trip Cancellation, Delay, and Interruption
Protects against Pre-existing Medical Conditions and Supplier Bankruptcy/Default when you purchase up to 21 days after initial trip deposit
Emergency Medical Expense, upgradable to primary
Medical Evacuation
Baggage Protection and Travel Accident Protection
24/7 Customer Care and Travel Assistance
14-Day Free Look – cancel your plan up to 14 days after purchase for full refund (minus $8 administrative fee)
Kids Free – children 17 and under traveling with insured adult
Full Benefits Details:
Trip Cancellation Up to Trip Cost*
Trip Interruption 150% Trip Cost*
Missed Connection $500 (3 hours)
Trip Delay $1,000 ($200/day/6 hours)
Baggage & Personal Effects $1,000**
Baggage Delay $300 (12 hours)
Pet Care $300 ($50/day)
Emergency Accident & Sickness Medical Expense $50,000 ($50 deductible)
Emergency Evacuation & Repatriation of Remains $500,000
Accidental Death & Dismemberment $10,000
Optional Cancel for Any Reason Up to 75% of non-refundable Trip Cost*
Optional Cancel for Work Reasons Up to Trip Cost*
Optional Renters Collision Insurance $50,000
Optional Accidental Death & Dismemberment-Air Only Up To the Amount Purchased
Optional Accident & Sickness Medical Expense $50,000 (For a total of $100,000)
Optional Evacuation & Repatriation of Remains $500,000 (For a total of 1,000,000)
Optional Accidental Death & Dismemberment $15,000 (For a total of $25,000)
Optional Sports Coverage Combined maximum of $1,000 per person
Optional Baggage Upgrade Included when additional plan cost has been paid
* Trip Cancellation and Interruption are up to the lesser of the Trip Cost paid or the limit of Coverage for which benefits are requested and the appropriate plan cost has been paid.
** Baggage and Personal Effects has a per article limit of $250. There is a combined maximum limit of $500 for valuables.
Optional Coverage only applies when requested on the application and the appropriate additional plan cost has been paid.
$0 Trip Cost means there is no coverage for Trip Cancellation; Trip Interruption up to $500 return air only.
Frequently Asked Questions:
What are the general types of coverage included in the Worldwide Trip Protector comprehensive plan?
The Worldwide Trip Protector comprehensive plan protects you both before your departure and during your trip from a wide range of unforeseen possible events that could cancel or interrupt your travel plans. Coverage includes trip cancellation, trip interruption and trip delay, missed connection, baggage and personal effects protection, baggage delay, emergency accident and sickness medical expense and emergency evacuation, travel accident protection and 24-hour Assistance Services. Travelers also have the options to purchase additional accident and sickness medical protection, additional emergency evacuation and repatriation, flight insurance in a choice of benefit amounts, and renters collision insurance for their rental car. Purchase of the optional medical upgrade will remove the deductible and excess insurance provision.
What is trip cancellation insurance?
Trip cancellation insurance is financial reimbursement of your prepaid, non-refundable travel costs when an unforeseen event, which is a covered reason under your policy, causes you to cancel your trip.
What is trip interruption insurance?
Trip interruption insurance is financial reimbursement for your unused prepaid travel expenses and/or the additional airfare to return home, when an unforeseen event, from which you are protected under your policy, causes you to cut short your trip and return home ahead of schedule.
When does Worldwide Trip Protector provide coverage of a supplier bankruptcy?
Worldwide Trip Protector provides trip cancellation or trip interruption coverage for the bankruptcy or default of your travel supplier which occurs more than 14 days following the effective date of your policy. Coverage is not provided for the bankruptcy or default of the travel agency from which you purchased your land or sea travel arrangements
When is protection from an act of terrorism an included coverage?
You are eligible for your policy's trip cancellation or trip interruption benefits when a politically-motivated terrorist attack occurs in a city listed on your travel itinerary. The event must occur after your policy takes effect and within 30 days of your departure.
What is a Pre-Existing Medical Condition?
A Pre-Existing Medical Condition is any injury, sickness or medical condition of yourself, a traveling companion or a member of your or your traveling companion's family for which medical advice, diagnosis, care or treatment was recommended or received within the 180 day-period ending on the effective date of your Worldwide Trip Protector policy. A condition is not considered pre-existing if the condition for which prescribed drugs or medicine are taken remains controlled without any change in the required prescription.
Who is considered a family member under the policy?
Any of the following relatives of you or your traveling companion is considered a family member under the policy: a legal or common law spouse; a domestic partner; a parent or legal guardian; step-parent, grandparent, parents-in-law, grandchild, natural or adopted child, foster child or ward, step-child, children-in-law, brother, sister, step-brother, step-sister, brother-in-law, sister-in-law, aunt, uncle, niece, or nephew.
What is a Waiver of a Pre-Existing Medical Condition?
This is a waiver that qualifies the Pre-Existing Medical Condition to not be excluded as a protected reason for a cancellation or interruption of your trip. To obtain the waiver you need to buy your insurance policy within a specified number of days from your initial trip deposit and insure the trip's full non-refundable cost. You must not be disabled from travel when you buy the policy, and the insured trip must be your first and only booking for the same destination and scheduled travel dates. The Worldwide Trip Protector Lite Expanded purchase within 14 days of the initial deposit; Worldwide Trip Protector purchase within 21 days of the initial deposit and Worldwide Trip Protector Gold purchase within 30 days of the initial deposit.
When is the best time to purchase a Worldwide Trip Protector comprehensive plan?
The best time to purchase the policy is with your initial trip deposit, or within 21 days of the trip deposit. Your prompt purchase ensures that you are afforded the maximum protection under the policy.
Can you ever decide to cancel your Worldwide Trip Protector policy for a refund?
Yes, you have 14 days for a "free look". You must give us written notice within either fourteen (14) days of the date of issuance of your policy or your scheduled departure date, whichever occurs first, provided you have not submitted a claim under the policy. If you cancel within the conditions we will refund your premium less the administration fee. If these conditions are not met, the policy cost is non-refundable.
Terms and Definitions:
Baggage Delay Coverage
Baggage Delay can reimburse your expenses for purchasing necessary personal effects up to the maximum benefit on your plan. The coverage will apply when your checked baggage is delayed by your airline or common carrier either 12 hours or 24 hours, depending on your WTP plan's specified minimum time of delay. The length of delay is calculated starting from your arrival time at your destination. You must be a ticketed passenger of a common carrier for coverage to apply.
Sports Coverage Baggage Delay
If you have purchased Sports Coverage option with any Worldwide Trip Protector plan, you can be reimbursed up to the maximum limit of your Baggage Delay Coverage for rental equipment reimbursement if your sporting equipment has been delayed or misdirected by your common carrier.
Trip Cancellation Insurance
Trip Cancellation Insurance protects you after you book and insure your trip, but before your scheduled trip departure.
It can protect the insured traveler's prepaid trip costs up to the full cost of the trip due to covered reasons for trip disruptions between the date the policy's coverage starts and the scheduled trip departure date. These disruptions may force the cancellation of the trip.
Why Do You Need Trip Cancellation Insurance?
Between your time of travel booking and your trip departure date unforeseen disruptions can happen:
You, your traveling companion or a family member gets sick or dies.
Weather or a strike halts your Travel Supplier's operation.
You must serve on a jury or testify in court when you are due to travel.
A terrorist attack occurs in a city on your trip within 30 days of departure.
You or your travel companion is in a car accident enroute to your departure.
Your destination host dies or is hospitalized.
A natural disaster makes your destination hotel or your home uninhabitable.
Trip Cancellation Insurance protects against Cancellation Penalties
Depending on the date you cancel, your supplier may impose a Cancellation Penalty against you based on the terms & conditions of your trip. This can be part or all of your trip prepayment that is held back when you seek a refund. Trip Cancellation can protect you by reimbursing such penalties up to the full pre-paid cost of your trip.
Trip Cancellation can also pay the difference in higher per-person trip costs you might pay if your travel companion must cancel for a covered reason while you continue the trip. It can also protect the insured's prepaid trip costs up to the full cost of the trip if both decide to cancel for the covered reason of the travel companion.
Trip Interruption Insurance
Trip Interruption Insurance is protection that starts on your scheduled departure date and can provide coverage throughout your trip.
It protects up to 100% or 150% of your insured, prepaid trip costs, depending on your selected Worldwide Trip Protector plan, against disruptions that can occur during your trip. You can be reimbursed for unused land or sea expenses that your supplier will not refund under the terms & conditions of your trip.
Why Do You Need Trip Interruption Insurance?
The same reasons described for needing Trip Cancellation Insurance before your departure are why you need Trip Interruption Insurance during your trip.
There can be sickness or death to you or a family member or travel companion. Or there might be disruptive bad weather, an order to appear as a court witness, a supplier strike or bankruptcy that halts travel (not available on Lite plans, a terror attack in a city you are visiting, a car accident, or a natural disaster that makes either your destination hotel or your home uninhabitable.
Missed Connection Coverage
Missed Connection coverage is available when the cancellation or delay of your regularly scheduled airline flight or other common carrier due to inclement weather or any common carrier-caused delay for three or more hours depending on plan, results in your missing the departure of your cruise, tour or other trip.
What Missed Connection Covers
Missed Connection can cover additional transportation expenses needed to catch up to and join the departed Cruise or Trip. It can cover reasonable accommodations, meal expenses and the non-refundable payments for the unused portion of your cruise or tour.
What Missed Connection Does Not Cover
Coverage will not be provided to insured individuals who are able to meet their scheduled departure but choose not to travel due to inclement weather.
Itinerary Change
Travel Insured International's comprehensive Worldwide Trip Protector and WTP Gold travel insurance plans offer an "Itinerary Change" benefit that specifically addresses cruise or tour disruptions.
Insured travelers who prepay for a non-refundable shore activity in a port of call, or a scheduled stop on a tour itinerary, but miss the activity due to a change of cruise or tour itinerary, can be reimbursed up to amount specified in their plan unless the missed activity is rescheduled during the course of the trip. The coverage means that travelers can feel secure in booking prepaid shore or tour activities even when those activities are non-refundable.
Reasons for Missed Ports; Types of Missed Activities
Disruptions of itineraries due to storms, outbreaks of illness or safety issues in a destination can create problems for passengers who prepay for excursions or other land travel activities. These shore excursions are often booked prior to the start of their cruise or tour. Travelers, for example, may pre-pay for concerts, a private guide, spectator sports events, participation sports sessions, training classes, cooking displays, nature adventures, art and culture events, or other add-on activities. Unfortunately these missed events or activities may not always be refunded, especially by tour companies that are independent of the cruise line or tour operator that is the main vacation provider.
When Itinerary Change is Not Provided?
The Itinerary Change travel insurance benefit is not provided if the prepaid event or activity is rescheduled to be offered on a later date in the itinerary, such as during a delayed port call. Additionally, insured travelers must provide proof of the change of itinerary from the cruise or tour provider, as well as proof of prepayment for the non-refundable activity that was lost as a result of the change.
Default & Bankruptcy Coverage
Worldwide Trip Protector includes in all of its plans the Trip Cancellation or Trip Interruption coverage for the default or bankruptcy of your travel supplier. The default or bankruptcy must occur more than 14 days after the effective date of your insurance plan. Your plan must have been purchased within 14 days of your initial trip deposit on Lite Expanded plans, within 21 days on WTP plans and within 30 days on Gold plans. (Not available on Lite plans)
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