Travel Insurance covers unforeseen issues that may occur before or during your trip. It can protect you from losing your monetary investment if you have to cancel your trip within the penalty period where travel suppliers and tour operators keep your non-refundable deposits. It also provides coverage for other problems that you may face during your trip, such as lost, stolen, or damaged baggage, reimbursement of medical expenses and expenses incurred to evacuate you back to your home and more.
We recommend that you purchase your plan soon after making your initial trip payment to be eligible for the most coverage, but you must purchase travel insurance before anything actually happens to disrupt your trip.
To understand exactly what the policy will cover and what it won’t, you must read your chosen policy carefully before buying it.
If there is a problem and you need to file a claim, you’ll have to provide documentation of your issue, such as receipts or police reports.
Like most other forms of insurance, Travel Insurance works on a reimbursement basis. That means you’ll have to pay your own costs up front, then be reimbursed by the company once they’ve approved your claim.
Besides providing coverage for trip cancellation and interruption, these plans include reimbursement due to trip delays, emergency medical expenses, baggage, emergency medical evacuations, accidental death and dismemberment, along with other assistance services and benefits.
To figure the insurable cost of your trip, add together the cost of all your prepaid non-refundable travel expenses.
The Standard plans is available for purchase until the day before departure. However, we recommend that you purchase right after making the first payment toward any part of your trip so that you are eligible for the most benefits. If you wait to purchase your plan, you run the risk that something will happen before the policy goes into effect and also, you might not be eligible for time sensitive benefits such as the Pre-existing conditions waiver and financial default. The Cancel For Any Reason premium plan requires purchase within 14 days of your Initial Trip Payment Date.
No, these policies cannot be purchased once you have already departed on your trip.
The Initial Trip Payment Date is the date that money first exchanged hands for the trip you are insuring.
These plans do have time sensitive benefits, so we recommend that you purchase the policy right after making your initial trip payment. To receive the most benefits, you must purchase it within 14 days after making your initial trip payment. Time sensitive benefits include the Pre-existing conditions waiver, Financial Default and optional Cancel for Any Reason depending on the plan you are reviewing.
No, you do not have to wait until the flight is booked. The policy should be purchased within 14 days of the initial trip payment in order to get the Pre-existing condition waiver and other time sensitive benefits.
Trip cancellation coverage becomes effective at 12:01AM the day after you purchase a policy. See the policy details for more information.
Yes, if during your trip, a politically motivated Terrorist Attack occurs within a 50 mile radius of the city for which you are registered and the US government issues a travel warning indicating that Americans should not travel to a city named on the itinerary.
Yes. These plans may provide reimbursement of your prepaid non-refundable costs of a villa, condo or other rental property as long as there is a written agreement/contract between the insured and the renter. Trip cancellation or interruption must be due to a peril named in the policy.
When viewing your quote, click on the “View sample of certificate of Insurance.”
The Nationwide Prime Plan will reimburse you up to 60% of your prepaid, forfeited, non-refundable payments or deposits you paid for your trip. All requirements, listed in the plan certificate, must be met in order to be eligible for this benefit.
Yes, if you are unable to ski due to 50% or more of the trails being closed for 24-hours or more, either for no snow or stormy weather, you will be reimbursed for the value of your ski lift tickets for each day the trails are closed.
Yes, if your clubs are lost, stolen or delays (12+ hours) we will cover the reasonable cost of renting sports equipment.
You can send an email to [email protected] to make changes to your policy. Please include your order number on all email correspondence. If you prefer, you can call us with your changes at our toll free number 877 248-1275.
You should receive an email confirmation which contains a link to your policy. If you do not receive this email, please check that is was not automatically filtered into any spam or junk mail folders. If it is not in one of those folders, you can contact our Customer Service Department at [email protected] or at our toll free number 877 248-1275, and we will resend the email which contains a link to the policy.
All cancellation requests must be made in writing. An email can be sent to [email protected] to request cancellation. Please see the review period for your policy as some states do not offer refunds after purchase. If you are within the allowed time frame to cancel, and have not departed on your trip or submitted any claims, you will be refunded the total cost minus a $6 non-refundable processing fee on the Standard plan, and an $8 non-refundable processing fee on the Cancel For Any Reason (CFAR) plan.
Mailing Address: Coordinated Benefits Plans, P.O. Box 26222, Tampa, FL 33623
Fax number: (833) 610-0736
Email: [email protected]
If submitting the claim via the email, you will receive a confirmation email that the claim was received. Regardless of the manner of claim submission, please allow 15 business days for review of your claim. If additional information is needed, you will be contacted by a CBP claim examiner.
The little red #2 notes that the coverage will be secondary to any primary coverage you may have. For some states, the order in which benefits will be paid may be determined in accordance to a Coordination of Benefits clause if you are eligible for benefits under more than one policy. Please see your policy for more details.
The Primary Destination is the location where you are going to spend a majority of your time while on your trip.
Yes, you can view all coverage details by clicking the underlined terms on your quoted plan. To review the full policy, click the Full Details link.