Travel Insurance Frequently Asked Questions

Why is it important to buy travel insurance?

Who needs travel insurance and how do the plans work? Why is it important to buy travel insurance? What will Travelex Insurance Services offer in their plans and how will I learn of my coverage before I travel?

If you have general questions about travel insurance plans and specifically our products, keep reading below to capture a general understanding of how Travelex Insurance Services can help you.

This is a general explanation of benefits; certain conditions and limitations may apply as outlined in the Description of Coverage. If you require further clarification or have more questions, please contact customer service.

What if I have questions regarding the benefits of a travel insurance plan?

Contact our customer service department who would be happy to assist you in understanding the plan details of travel insurance and each of our offered plans.

You may reach our customer service department at 1-800-228-9792, Monday - Friday, 8:00 a.m. to 7:00 p.m. CST.

What is First Payer Coverage? Why does it matter?

Some of Travelex's plans provide First Payer Coverage with no deductible for easy claims handling, less time and hassle to receive reimbursement for eligible losses from us first. Funds may be recovered from your medical or other collectible insurance plans.

Why should I purchase a Travel Protection Plan when I have other coverage? What is the difference?

Emergencies happen when you least expect it. Travelex combines travel insurance coverage and travel assistance services into a packaged protection plan that helps protect both you and your trip investment - before and during your trip. 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.

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.

Please Note: You may already have coverage that provides similar benefits and you may wish to compare the terms of this coverage with your existing coverage. If you have questions about your current coverage, call your insurer or agent. The travel retailer is not qualified to compare or answer questions about the benefits, exclusions or conditions of other insurance policies.

Why is Trip Cancellation and Trip 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.

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, emergency medical, medical evacuation / repatriation, baggage and baggage delay, and more!

What happens if I purchase a protection plan and need to make changes (trip cost, dates, etc.)?

Simply call Travelex prior to your departure date and we will happily make any changes. Please refer to your confirmation of coverage for the appropriate phone number to call.

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 processing fee) if you are not completely satisfied within 10 calendar days of purchase, provided you have not departed or filed a claim.

Will I receive an insurance card to carry with me after I purchase?

You will receive a Confirmation of Coverage and applicable plan documents, Description of Coverage via e-mail, mail or fax. The Confirmation of Coverage will include travel assistance phone numbers to call in case of emergency. The Description of Coverage will provide a summary of the plan details including benefits, conditions, limitations and exclusions.

You should take both your Confirmation of Coverage and Description of Coverage with you while you travel in case of an emergency. You may also want to print your Travel Assistance calling information if traveling abroad.

This is a general explanation; certain conditions, limitations and exclusions apply as outlined in the applicable certificate. If you still have questions, please call our customer service department at 1-800-228-9792.

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For Assistance Please Call (800) 228-9792
The above information contains a brief description of benefits. Refer to the applicable Description of Coverage or Evidence of Coverage (the "Plan") for a summary of the Plan details. Certain conditions, exclusions, and limitations apply as set out in the Plan. Products may not be available to residents of all states. If there is any conflict between the contents of this website and the Plan, the Plan will govern in all cases. Travel Assistance Services provided by the designated provider as listed in the Description of Coverage or on your Confirmation of Coverage.