Should I include the equivalent monetary “cost” of the airline ticket that I purchased with frequent flyer miles?

Generally the insurance companies will not insure tickets purchased with reward points or miles because no money has been paid. However, you should insure yourself for adequate trip interruption coverage. Make sure that you have purchased enough trip interruption coverage to cover the cost of an economy ticket home plus the cost of any unused, non-refundable land arrangements that you might lose if you have to interrupt your trip.

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I am in the military. What if I am called to duty or denied leave?

If your leave is denied because of declared or undeclared war, all policies will exclude that reason. There are several companies that address military leave or being called to duty in one form or another: Access America, Travel Guard – Cruise, Tour & Travel plan, Travel Insured, TravelSafe and Travelex all have “perils” that touch on this.

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Which policies will protect me if my trip needs to be cancelled because of terrorist activity?

Many of our plans offer coverage for “Terrorism”. Trip cancellation coverage is generally considered to be a “named peril” type policy, meaning that only those perils that are named in the policy are covered. This includes terrorism. Each company however includes their own definition of terrorism.

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I have not received a copy of my travel insurance policy in the mail yet. What should I do?

If you have received your order confirmation email you can be assured that your coverage is in full force and effect and has been since the date you purchased your policy. All of the policy and contact information is included in your email. Policies are normally sent out within 24 hours of purchase from our web site by the respective insurance company. If you have not received your policy in 14 days, please contact our office. We will verify your mailing address and request that the policy is mailed out again.

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