Insurance Company FAQs

CSA

Why should I buy this insurance plan?
CSA Travel Protection offers travel insurance plans tailored for all types of vacationers. CSA's insurance reimburses your prepaid, non-refundable expenses if you can't travel for a covered reason. It also provides post-departure
What additional post-departure trip benefits are available to me?
You will receive CSA's comprehensive 24 Hour Emergency Hotline services including: 24 Hour Nurse Helpline, Medical/Legal Referral, Emergency Cash Transfer, Pre-Travel Advice, Translation Services, Concierge Services and many others
What expenses do we consider to be part of the total trip cost?
Total trip cost is comprised of all non-refundable travel expenses that are paid for, prior to departure.
Why does my policy confirmation say that my Trip Cancellation benefit ends on my departure date?
It is because when you depart on your trip, your Trip Cancellation coverage ends, and your Trip Interruption coverage goes into effect to replace it.
For what reasons can I cancel my covered trip and still get reimbursed?
Covered reasons for Trip Cancellation include illness, Injury or death of a Family Member or Traveling Companion; traffic accident en route; transfer of employment 250 miles or more; involuntary termination or layoff; mandatory hurricane evacuations; terrorism; and your home made uninhabitable by hurricane or other natural disaster. See the policy/certificate of insurance for complete details.
What if I only want one or two of the coverages on the policy?
CSA Travel Protection strives to offer comprehensive travel insurance products at a competitive rate. In order to do this CSA maintains structured insurance policies and is unable to modify the policy coverages.
Is it possible to insure pre-existing medical conditions?
Yes, CSA offers comprehensive insurance to insure even pre-existing medical conditions. Our Freestyle Luxe plan offers coverage for these conditions by meeting two requirements. First, you must not be disabled from travel when you buy the insurance and second, you must purchase the insurance prior to or no later than 24 hours after your final payment.
What is my final payment?
All vacations are planned differently so the final payment can vary. It is best to call into our Customer Care Center. A representative will be happy to discuss your vacation plans and let you know what/when would be your final payment. You can reach a CSA Customer Service Representative @ 800-348-9505 Monday-Friday (5 a.m.-7 p.m. Pacific) and Saturday/Sunday (6 a.m.-3 p.m. Pacific)
Is there coverage for an act of terrorism?
Yes, the insurance plan includes coverage for a Terrorist Incident. The Terrorist Incident must occur in your departure city or the city which is a schedule destination on your trip. See the policy/certificate of insurance for complete details on this coverage.
How long does the claims process take?
All claims are done on a case by case basis so times can vary. However, the average turnaround time is approximately three weeks. Once all claims paperwork is received and the claim has been assigned a claims representative, that representative will be able to give you a better estimate of time.
What if I am unhappy with the insurance coverage?
If you purchase this plan and are not completely satisfied, contact CSA Travel Protection directly within 10 days of receipt indicating your desire to cancel. If you haven't already left on your trip, you will receive a complete refund.

Travelex

Can I buy travel protection without any trip cancellation coverage?
Yes, you can choose a plan that excludes this coverage but still includes a full range of benefits to protect you during your trip, including coverage for: trip delay, medical evacuation/ repatriation, baggage and baggage delay, itinerary change and much more!
Are the coverage amount maximums for trip cancellation/ interruption per person?
Yes, the maximum amounts are on a per traveler basis.
What is the difference between primary and secondary coverage? Why does it matter?
With secondary coverage, you may be required to pay a deductible and may be asked to exhaust coverage from your other existing polices before filing a claim. File with Travelex first and file once.
What are the different ways that I can purchase coverage?
You can purchase coverage online, by phone, by fax or mail.
Why should I purchase Travel Protection when I have other insurance policies?
Travel Protection combines insurance coverages and travel assistance services into a comprehensive package that protects both you and your investment - before and during your trip. Travelex Plans provide comprehensive coverage including Trip Cancellation and Trip Interruption benefits. This coverage can protect you against losing your travel investment to travel suppliers, like cruise lines and tour operators, if you should cancel within their non-refundable cancellation period. Credit card insurance policies may protect you for flight accidents, car rental damage or for accidental death while traveling, but this protection is usually only offered to you when you purchase your tickets with that particular credit card.
Won’t my Homeowner's and Medical Insurance policies cover me during my trip?
It is best to review your current insurance programs and the coverage they offer when you are traveling. Many HMO's and PPO's offer limited coverage when traveling outside your networks. Medicare supplement benefits also need to be reviewed to determine their exact benefits or lack of benefits when traveling. Travelex Protection Plans offer primary medical coverage because of the varying degree of limitations offered by many medical plans. Homeowner's and rental policies usually have large deductibles in the event of lost or stolen baggage when traveling. Our coverage is primary - you file with Travelex first.
Are children under 16 always covered at no cost?
Yes, as long as the adult Family Member with whom they are traveling with is covered. The children can be covered even if they are staying in a different room or cabin than the covered adult Family Member. There is, however, an additional charge for children if you purchase the Optional Medical Upgrade and/or the Optional Flight Coverage.
* Travel Plus and TraveLite only.
If children under 16 are covered at no cost, should I still list them when completing an enrollment form or purchasing online?
Yes, list all travelers for whom you wish to cover including your children under 16.
* Travel Plus and TraveLite only.
Who qualifies as a Key Person? Do they have to be a relative?
A Key Person is defined as an employed caregiver of a legal dependent of you or a person with whom you have lived for 12 continuous months. A Key Person does not have to be a blood relation. Key Persons are included in the covered reasons to cancel under trip cancellation / interruption coverage.
What if I cancel my trip before any penalty from the travel provider begins?
You must notify Travelex Insurance Services that you intend to cancel your trip before your original departure date. Travelex will allow you to "re-use" your purchased coverage up to one year from original departure date. If you notify Travelex within two weeks of making the initial trip deposit on the new trip, you are eligible for waiver of pre-existing medical conditions, as long as you are medically fit to travel at the time of transfer. (See the Evidence of Coverage for details).
* Travel Plus and TraveLite only.
What happens if I purchase a protection plan, and the cost of my trip goes up?
Simply call Travelex or request additional coverage in the Request a plan change section of this site. We will adjust your coverage prior to departure and accept additional premium to cover your additional trip cost.
* Travel Plus and TraveLite only.
Why is Trip Cancellation/Interruption protection important?
All travel suppliers, whether they are Tour Operators, Hotels, Travel Agencies, Cruise lines or Airlines, have cancellation penalties. You pay a deposit or final payment toward a trip and these suppliers will apply their published penalties to your trip. You will find the published penalties more severe as your scheduled departure date gets closer. These published penalties inform you that if you cancel, the supplier will hold all or a large percentage of your monies placed as down payment, deposit or final payment. You will lose this money. Trip Cancellation and Interruption is designed to reimburse you for your loss if you cancel or interrupt for a covered reason.
* Travel Plus and TraveLite only.
If my traveling companion cancels their trip and I still want to go on the trip, will Travelex cover additional costs caused due to their cancellation?
Yes, you are covered for a single supplement upgrade when your traveling companion cancels or interrupts a trip for a covered reason and you do not.
* Travel Plus and TraveLite only.
Am I covered if I cancel my trip because I am laid off or fired by my employer?
Travelex Plans do offer protection for cancellations due to terminations or layoffs, through no fault of yours, affecting either you or a person sharing the same cabin or hotel room. Remember that employment must have been with the same employer for at least 3 consecutive years.
* Travel Plus and TraveLite only.
Will a Travelex Plan cover me if I need to cancel or interrupt my trip due to terrorism?
Terrorism is a reason to cancel under Travelex Protection Plans. The Terrorist Incident must occur in the Insured's city of departure or destination and you must be scheduled to arrive in that city within 30 days following the Terrorist Incident. You may cancel or interrupt your trip for this event. Note: If there is a travel warning for the insured’s city of departure or destination prior to the effective date of the policy; coverage for terrorism would not be afforded.
* Travel Plus and TraveLite only.
Do both TraveLite and Travel Plus offer coverage for pre-existing conditions?
Yes, both Travelex plans afford waiver of pre-existing medical conditions, regardless of your age, if you enroll in a protection plan within 21 days of making your initial trip deposit and as long as you are medically fit to travel at the time of purchase.
* Travel Plus (B01) and TraveLite (B02) only.
Can I still purchase coverage if I miss the 21-day period after initial trip deposit?
Yes, you can purchase travel protection the day before your date of departure. You will not, however, be covered for preexisting medical conditions if you miss the 21-day period.
* Travel Plus (B01) and TraveLite (B02) only.
What are the benefits of purchasing coverage within 21 days of initial trip deposit if I am not in penalty?
In order to cover pre-existing medical conditions, you must purchase within 21 days of initial trip deposit. The Pre-existing waiver for existing conditions covers not only you, but for any covered person for whom you may have to cancel your trip. In addition, when coverage is purchased within 21 days of initial trip deposit, you will also be protected against unforeseen bankruptcy or financial default of a travel supplier.
* Travel Plus (B01) and TraveLite (B02) only.
If I change my mind after enrolling in a protection plan, can I get a refund?
Yes, Travelex will refund your plan cost (minus the $8.00 non-refundable processing fee) if you are not completely satisfied within 10 days of purchase, provided you have not departed or filed a claim.
Is Travelex Insurance Services connected to the Travelex I see in airports?
Yes, Travelex Insurance Services is a division of the Travelex Group, the world’s largest foreign exchange specialist to retail, corporate and wholesale customers.

MH Ross

Why do I need travel insurance?
Emergencies happen when you least expect it. Travel Insurance can provide you coverage for trip cancellation/interruption, medical expenses, baggage damage and much more. Plus we offer 24-hour WeCare Traveler Assistance if you experience an emergency while on your trip.
When is the best time to buy insurance?
We recommend you purchase your insurance within 15 days of paying your initial trip deposit. By purchasing within this time you receive the following extra benefits: Waiver of Pre-existing Conditions and Financial Insolvency of the Travel Supplier.
When does my policy go into effect?
The effective date of your policy for trip cancellation coverage is at 12:01am on the date stated on your Purchase Confirmation/Declaration. Coverage will begin the day after the date of purchase or the day after the postmark date of the mailed application. All other coverages, other than trip cancellation shall take effect at 12:01am on the date you start your covered trip or your scheduled departure date, whichever is later.
Do I insure for my age at the time of travel or when the insurance is purchased?
You should enter the age you are on the date you purchase the policy.
What is a Pre-Existing Condition?
This refers to a condition occurring during the 60 day period immediately prior to your effective date: 1) for which medical advice, care or treatment was received or recommended by a Physician regardless of whether or not a diagnosis was made; and 2) which produced symptoms or whose onset or manifestation occurred during such 60 day period. These symptoms must have been significant enough to establish manifestation or onset, which would have caused an ordinarily prudent person to seek diagnosis or treatment or enabled a Physician to diagnose such illness, disease, injury or other condition. A pregnancy that exists on the day before your effective date will be considered a Pre-Existing condition.
What if I take medication for a condition like high blood pressure? Would this be considered a Pre-Existing Medical Condition?
If your condition is stable and controlled and your medication remains unchanged throughout the 60- day pre-existing period this would not be considered a pre-existing condition.
Can I extend my policy if I have already departed?
Yes, you may extend your policy while traveling on your covered trip as long as: 1) you have not experienced an injury or sickness, or have not had medical treatment during your covered trip, 2) coverage under this policy is in force at the time you request an extension, or 3) you pay any additional required premium for such extension if applicable.
What happens if I have purchased my ticket on frequent flyer points?
Trip cancellation coverage is not available for the actual value of the frequent flyer points, because no money has been paid for the ticket. However, you are still able to insure the non- refundable tax portion, any upgrade costs and the re-instatement fee. You can still purchase tripinsurance.com to provide coverage for trip interruption, baggage loss, delay and medical to name a few. Make sure 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 arrangement that you might lose if have to interrupt your trip.
What happens if a terrorist incident occurs delaying my flight home? Am I covered for travel delay?
Coverage is available if there is a terrorist incident in your city of departure or destination occurring after your effective date if you are scheduled to arrive in or depart from that city within 30 days following the terrorist incident.
What if I miss my connection due to a flight delay?
We will reimburse you up to the maximum benefit amount for trip delays of 6 or more hours occurring on or after your scheduled departure date. The following expenses may be submitted, 1) additional transportation cost incurred by you while you are traveling to: continue on your covered trip, or return to your point of origin; or 2) additional expenses incurred for an unplanned overnight stay resulting from such trip delay, (coverage includes expenses incurred for reasonable travel accommodations and meals), or 3) unused non-refundable portion of the prepaid expenses as long as such expenses are supported by proof of purchase and are not reimbursable by another source. Documentation must be provided by the common carrier to certify the delay.
We were on our way home and the airline went on strike. Do I have coverage for this event?
Coverage is available provided the delay was 6 or more hours occurring on or after your scheduled departure date and the strike was unforeseen at the time of purchase. We will reimburse you subject to the maximum benefit amount for trip delay for the following expenses incurred as a result of the trip delay: 1) additional transportation cost incurred by you while you are to return to your point of origin; 2) additional expenses incurred for an unplanned overnight stay resulting from such trip delay. Coverage includes expenses incurred for reasonable travel accommodations and meals; 3) unused, nonrefundable portion of the prepaid expenses as long as such expenses are supported by proof of purchase and are not reimbursable by an other source.
What happens if the airline loses my baggage at the start of my trip?
Coverage is available for any baggage and personal effects, passports or visas that are lost, stolen, or damaged during your covered trip. You must submit documentation from the common carrier for such loss, the receipts for the necessary purchases or reimbursements and take all reasonable steps to protect, save or recover your baggage and personal effects. Please refer to your Evidence of Coverage. The policy provides for baggage delay benefits, if your baggage is delayed by the airline by at least 12 hours, for the costs of necessary personal items while on your trip.
Can I cancel my policy if I don’t want it anymore?
You can cancel your policy within the 10-day free look period.
Do I need to take the documents you sent me about my insurance with me and should I read them first?
Yes, you must read your documents as soon as you receive them to make sure the information is correct and you are happy with your coverage. The Evidence of Coverage explains the Policy benefits, limitations, conditions and exclusions. The Purchase Confirmation /Declarations contains the maximum benefit limits for the coverage purchased. These two documents form your policy/certificate of insurance and must be taken with you on your trip so you may refer to them in case of an emergency.
I have made a mistake on my policy. What can I do?
Please call us with all of the details and we will be happy to assist you. You may call 1-800-423- 3632. We may request documentation regarding your changes.
How do I make a claim?
If you need to make a claim please call our claim department at 1-800-423-3632. or log into the web site tripinsurance.com, click forms and download the applicable claim form.
I am renting a beach house at a cost of $10,000.00 for my family of eight. How do we calculate the trip cost and properly cover each traveler?
When calculating the trip cost you should divide the $10,000.00 by each person, then add the airfare along with any other non-refundable travel arrangements and insure each traveler for their total trip cost.
I am in the hospital at this time but thinking about traveling in three months. Am I able to purchase an insurance policy?
Your Physician must clear you for travel prior to purchasing the insurance.
What happens if I need to go to the hospital during my trip?
You must call one of the WeCare Assistance numbers found on your Purchase Confirmation/Declarations. This travel assistance service is available on a 24/7 basis.
What if I need to cancel my trip?
You must call your travel supplier within 72 hours of the event causing the need to cancel, unless the event prevents it and then as soon as is reasonably possible. Failure to do so may result in reduced benefits.
I have read my policy and notice some of the words are capitalized-why?
A word or phrase is capitalized because they are key words. You will find a clear explanation of these words or phrases under the definition section in the policy.
Why do I need to list up to five traveling companions on the enrollment form?
Any claims associated with traveling companions, whether or not insured on your policy, are restricted only to those named on the enrollment form.
What is the difference between travel accident and common carrier accident?
Common carrier accident coverage provides benefits for accidents occurring while you are on a plane, train, ship, taxi or bus. Travel Accident coverage provides benefits for accidents occurring during any other time.
What is flight accident insurance?
Flight accident insurance provides benefits for accidents involving aircraft or taxi services provided by the air carrier.
Is rental vehicle coverage available on the tripinsurance.com basic travel protection plan?
No. You should purchase the Enhanced travel protection plan if you would like this benefit.
What is the maximum Emergency Medical Benefit on the Enhanced Travel Protection plan?
The maximum benefit is $50,000 for emergency medical treatment, and $50,000 for emergency medical evacuation and repatriation. Optional increased coverage is available at a fee. Please refer to the Description of Coverage or the web under plan description for further details.
What is Rental Vehicle Coverage all about?
This benefit covers physical loss or damage to a rental vehicle during your covered trip for which you are liable, provided you rented the vehicle from an approved commercial rental vehicle agency and you declined a collision damage waiver. If you should have an accident or sustain damage you must file a report with the police and rental agency. This benefit is only available to the insured who purchased this coverage and is not transferable. Note that this benefit is not available to residents of Oregon and North Carolina.
What is trip cancellation and when does it apply?
Trip cancellation is a benefit for cancellation of your covered trip. The covered risk that causes you to cancel must occur after your effective date and prior your scheduled departure date.
What is trip interruption and when does it apply?
Trip interruption is a benefit for interruption during your covered trip. This covered risk that causes you to interrupt your trip must occur on or after your scheduled departure date and prior to your scheduled return date.
My traveling companion is unable to travel with me; however I still want to travel, what should I do?
We will reimburse the single supplement upgrade cost when your traveling companion cancels his or her travel plans with you or interrupts your covered trip as a result of one of the covered risks.
Why is age important?
Age is important as the premium is calculated based on age, trip cost and trip length.

AIG Travel Guard

Q. Why should a traveler buy travel insurance?
A. Travel insurance gives travelers coverage for unforeseen problems, from a cancelled flight to a serious illness—or in rare cases, even an act of terrorism or the financial default of a travel supplier. If an illness, accident, or other covered unforeseen circumstance forces a traveler to cancel or interrupt their plans, they face two major financial losses—money invested in nonrefundable pre-payments, and medical expenses that in many instances may not be covered by health insurance.
Q. What happens if a traveler must cancel their vacation?
A. Often a traveler will lose nonrefundable deposits and prepayments that can add up to hundreds—or even thousands—of dollars. A comprehensive travel insurance plan through AIG Travel Guard can provide trip cancellation coverage for the traveler's vacation investment—the insurance company reimburses the traveler for all pre-paid, nonrefundable expenses for a covered loss.
Q. How does trip cancellation and interruption coverage work?
A. It reimburses for forfeited, nonrefundable, unused payments or deposits if the traveler must cancel or interrupt their trip due to a covered reason.
Q. What other coverage is typically included in an AIG Travel Guard travel insurance plan?
A. In addition to trip cancellation and interruption, the more comprehensive travel insurance plans available today may also cover emergency medical expenses; emergency medical transportation, when ordered by a doctor, to the nearest adequate medical facility; reimbursement for accommodations and expenses incurred due to travel delays; reimbursement for the purchase of essential items if baggage is delayed; and coverage against lost, stolen or damaged baggage.
Q. Does travel insurance cover terrorism?
A. Many travel insurance policies do not cover terrorism, or only cover terrorist acts that occur on foreign soil. Travel insurance through AIG Travel Guard can cover terrorist incidents both in the United States and abroad.
Q. Is the financial default of an airline, cruise line or tour operator covered?
A. Many of AIG Travel Guard's retail insurance programs include financial default coverage if the program is purchased within 15 days of making the initial trip deposit.
Q. Does AIG Travel Guard offer travel insurance plans tailored to specific types of travel?
A. Yes. AIG Travel Guard offers travel insurance plans for an array of budgets, from modest trips to high-end luxury vacations. There are also products for last-minute getaways and extended trips, and specific coverage plans for cruise travelers, golf travelers, students, and sports travel.
Q. How much does travel insurance cost?
A. The cost of travel insurance is based, in most cases, on the value of the trip and the age of the traveler. Typically, the cost is five to seven percent of the trip cost.
Q. What else is offered with the purchase of an AIG Travel Guard plan?
A. To boost travelers' confidence when traveling, AIG Travel Guard has added LiveTravel® assistance, which provides 24- hour, "911" emergency travel agency-type services to all standard retail plans, in case a traveler has to change a flight or a hotel room. AIG Travel Guard has also added assistance with emergency cash transfers, pre-trip consultation services (travel advisories, passport requirements, inoculation information, etc.), and live messaging, which will relay any e-mail or phone message to family, friends or business associates. Certain restrictions apply.

Can anyone purchase a TravelSafe Insurance plan?
Any U.S. or Canadian resident can purchase our insurance, as long as you are medically able to travel at the time you purchase the insurance and you are purchasing the insurance at least one day prior to departure.

I don't have travel insurance, but something just happened that forces me to cancel my trip. Can I buy your insurance to cover my trip cost, then file a claim to get my money back?
No! Someone doing this would be committing a criminal offense - insurance fraud. Travel insurance generally covers unforeseen circumstances which can occur after your policy is in effect. If you're even thinking about trying to commit insurance fraud, we urge you to reconsider and remember that the consequences are very severe.

Do you sell "cancellation-only" insurance?
Although several of our plans include trip cancellation, we don't currently offer a "cancellation-only" plan.

Insurance offered by my cruise line or tour operator seems a lot cheaper. Why should I insure with TravelSafe instead?
TravelSafe offers the most comprehensive coverage available. While it is possible to pay less through a cruise or tour operator, your coverage and benefits are going to be significantly less as well. Peace of mind and knowing that you have the best protection possible will allow you to relax and enjoy your vacation. There are many other advantages to insuring with a third-party provider like TravelSafe, such as protection from financial insolvency of your cruise or tour provider, 24-hour emergency assitance from anywhere in the world and direct payment to your medical provider in the event of an emergency. Plus, many cruise and tour insurance plans only cover you during the time and place they are hosting you, and only offer credit rather than cash in the event of a claim. TravelSafe protects you before, during and after your trip, and our claims are paid in cash.

What is the optional "Cancel For Any Reason" benefit and how does it work?
With the "Cancel For Any Reason" benefit option, you can cancel your trip for any reason not otherwise covered by the policy and be reimbursed for up to 100% of the prepaid, forfeited, non-refundable payments or deposits you paid for your trip. To be eligible for this coverage: 1) your enrollment form and your premium payment must be received (or, if mailed, must be postmarked) within 15 days of the date your first deposit or payment for your trip is received; and 2) you must insure all prepaid trip costs that are subject to cancellation penalties or restrictions. Important: If any subsequent arrangements are added to the trip by either you or your travel agent, you must insure those arrangements as well within 15 days of the payment for those arrangements. 3) You must cancel your trip 2 days or more before your scheduled trip departure date and call our claims office at (888) 411-5378 .

What are Pre-Existing Conditions?
Medical conditions for which there is treatment; or a recommendation for treatment, diagnostic test or exam; or for which drugs or medicine are prescribed during the 60 day period prior to your effective date with TravelSafe are considered Pre- Existing Conditions. This means we look back 60 days prior to the date you purchased the insurance, which is significantly less than many of our competitors. Important: The policy exclusion for Pre-Existing Conditions will be waived, if: 1) your enrollment form and your premium payment is received (or, if mailed, is postmarked) within 15 days of the date your initial trip deposit is received; 2) you insure all prepaid trip costs that are subject to cancellation penalties or restrictions (see Enrollment Form for more details); and 3) you are not disabled from travel at the time you pay your premium. Unless you meet the Pre-Existing Conditions Waiver requirements detailed above, the policy does not cover your Pre- Existing Conditions and those of a traveling companion or an immediate family member traveling with you. Unlike some of our competitors, however, our Pre-Existing Condition requirements apply only to travelers, not to non-traveling family members. Note: Medical conditions that are treated or controlled solely with medication and remain treated or controlled without an adjustment or a change in medication during the 60 day period prior to your effective date are not considered to be Pre- Existing Conditions. See the TravelSafe policy complete details about Pre- Existing Conditions

What if I don't want to take my trip because of recent terrorist attacks?
TravelSafe allows you to cancel or interrupt your trip due to terrorist attacks, subject to the following conditions: 1) The terrorist act must occur in your departure city or in a city which is a scheduled destination for your trip, and 2) The terrorist act must occur within 30 days of the scheduled departure date for your trip.

Am I covered if the tour operator, airline or cruise line with which I have booked ceases operations or becomes financially insolvent?
TravelSafe covers Pre-Departure Trip Cancellation or Post-Departure Trip Interruption due to financial insolvency (as defined in the policy) of an airline, cruise line or tour operator if: 1) the financial insolvency is not of the person, organization or firm from whom you directly purchased or paid for your trip 2) the financial insolvency occurs more than 15 days following your effective date for the Pre-Departure Trip Cancellation Benefits 3) your enrollment form and your premium payment is received (or, if mailed, is postmarked) within 15 days of the date your initial trip deposit is received. Important: There is no coverage for any claim arising from either: 1) a financial insolvency which occurs before your effective date of coverage, or 2) a filing of a petition for bankruptcy which occurs before your effective date of coverage.

What happens if my flight is canceled?
TravelSafe protects you in several ways. If your flight is canceled due to bad weather, mechanical breakdown of the aircraft on which you are scheduled to travel or an organized labor strike (provided the strike occurs after you pay your premium) you can take a later flight. You will be reimbursed for the additional transportation expenses to join your trip, less any refunds paid or payable for your original tickets and not to exceed the cost of one-way economy airfare, or first class if your original tickets were first class. Plus, you will be reimbursed for the cost of any unused land or water travel arrangements.

What if bad weather is predicted where I plan to travel? Will TravelSafe cover me if I cancel my trip?
The Pre-Departure Trip Cancellation Benefit covers cancellation of the insured's trip within 24 hours of the Insured's scheduled departure date and time if his/her trip destination is under a hurricane warning issued by the NOAA National Hurricane Center, provided the cancellation of the insured's trip occurs more than 15 days following the insured's effective date of coverage for the trip cancellation benefits. Other than this, the policy does not provide coverage if you cancel your trip based upon what might happen. If, prior to departure or while on your trip, your hotel or resort is damaged or closed due to bad weather and the hotel or resort cancels your reservation (and cannot provide you with comparable accommodations elsewhere), you will be covered. See the TravelSafe policy for complete details of this coverage.