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. You likely need travel insurance if:

• Your trip is costly or nonrefundable. Travel insurance can reimburse you for lodging, prepaid flights, or tours if you cancel for covered reasons (like illness, injury and more).
• You want to protect your travel investment.  How much can you afford to lose if you have to forfeit all or part of your vacation because of illness, accidents, natural disasters, flight delays, and other concerns?
• You’re going somewhere with unpredictable weather or political unrest. Insurance may cover trip cancellations or delays due to natural disasters, mandatory evacuations or civil unrest.
• You have pre-existing medical conditions. Our plans cover emergency treatment or let you add a waiver for pre-existing conditions.
• You’re worried about baggage loss, theft, or delays. Travel insurance can compensate for lost or delayed luggage or stolen personal items.
• You’re traveling internationally. Foreign medical care can be expensive, and U.S. health insurance usually won’t cover it.

Standard Travel Protection covers over 30 specific events that could cause you to cancel or interrupt your trip, with reimbursement of 100% of your loss up to your insured amount.. These covered reasons include illness, severe weather, accidents, a death in the family, job changes, jury duty, travel delays, and more. For complete details, please refer to the policy.

Cancel For Any Reason (CFAR) adds an extra layer of flexibility. It includes all the benefits of the standard policy (100% reimbursement for covered reasons) plus the option to cancel for reasons not covered by the standard plan—providing 60% reimbursement in those cases.

Standard Travel Protection must be purchased no later than 30 days before your trip. If your trip starts in less than 30 days, the plan can still be purchased—but only within 5 days of your initial payment (when you first book your travel).

CFAR coverage is only available if purchased within 14 days of your initial trip payment, and your travel must begin more than 30 days in the future. CFAR is not available for last-minute trips (defined as starting within 30 days).

To get the most value and protection, it’s best to purchase your travel insurance at the time of booking. Coverage begins at midnight on the day you purchase the policy and only applies to events that occur after that point. Once something happens—such as a medical issue, accident, or other disruptor—you cannot buy insurance to cover that event retroactively.

Travel insurance can help you by providing coverage in the event of trip interruption or cancellation, medical expenses, and other unexpected losses, giving you peace of mind in the event of an unexpected event impacting your travel plans.  It works quite similarly to other insurance policies in the following ways:

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.

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.

The Standard Plan can be purchased up to 30 days before your trip begins. If your travel is scheduled to start within the next 30 days, you may still purchase the Standard Plan—as long as it’s within 5 days of your initial booking or first payment.

The Cancel For Any Reason (CFAR) option is only available if:

• It is purchased within 14 days of your initial trip payment, and
• Your travel begins more than 30 days from the purchase date.

CFAR is not available for trips starting in fewer than 30 days.

For maximum benefits, it’s strongly recommended that you purchase travel protection immediately after your first trip payment. Delaying coverage increases the risk that a covered event (such as illness, accident, or a death in the family) could occur before your policy becomes active—at which point it would no longer be insurable.

Additionally, pre-existing medical conditions are covered only if your policy is purchased within 14 days of your initial payment. After that, those conditions are typically excluded from coverage.

No, these policies cannot be purchased once you have already departed on your trip.

The standard travel insurance plan reimburses up to 100% of your prepaid, non-refundable trip costs if you cancel for one of the 30+ covered reasons outlined in the policy.

If you cancel for a reason not covered by the standard plan, you may still be eligible for 60% reimbursement under Cancel For Any Reason (CFAR) coverage—provided all conditions specified in the plan certificate are met.

When viewing your quote, click on the “View sample of certificate of Insurance.”

Yes, sickness due to contracting the virus and quarantine are both covered events.  Fear of traveling to an area due to concern over COVID levels are not.

On January 23, 2020, the United States State Department issued a travel warning not to travel to China due to the Coronavirus. The World Health Organization declared the Coronavirus a Global Health Warning on January 30, 2020. As a result, the Coronavirus is no longer an unforeseen event for travel to China starting on January 24th, 2020, and for travel worldwide starting on January 31st, 2020.

This means the STANDARD Nationwide travel insurance policy does not provide trip cancellation nor trip interruption coverage as it relates to this known event for policies purchased after those dates. Cancellations of common carriers (airlines, cruise ships, etc) due to the virus would not be a covered event.

The first thing to understand is that a standard travel insurance policy will not protect you from canceling a trip out of fear.  Fear has never been a covered event. This means if you cancel your travel plans out of fear of getting sick, it is not, nor has it ever been a covered event under a travel policy.

Only in the case of contracting the virus or being quarantined for direct exposure could benefits apply for losses arising out of the Coronavirus pandemic with standard travel protection. A physician would need to advise against travel.

For the greatest flexibility, consider Cancel For Any Reason (CFAR) coverage as it will provide protection for Coronavirus by the vary nature that you can cancel for any reason.  CFAR includes all of the coverages that a standard policy includes and will provide 100% reimbursement for a covered event and 60% reimbursement should you cancel for a non-covered event.  CFAR coverage is only available for purchase within 14 days of your travel deposit and cancellation must be 48 hrs or more in advance of the scheduled start date of your travel. CFAR coverage is not available for travel beginning within 30 days. Standard coverage is available for travel beginning less than 30 days if purchase at the time of booking.

The Initial Trip Payment Date is the date that money first exchanged hands for the trip you are insuring.

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.

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.

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.

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.

To figure the insurable cost of your trip, add together the cost of all your prepaid non-refundable travel expenses.

Yes, our plans cover your prepaid and non-refundable expenses for travel arrangements that you make on your own.

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.

Coverage is available for travel up to a maximum of 90 days.

Two products are offered; a standard travel policy and a Cancel For Any Reason (CFAR) policy.  The cost of the policy is determined by the amount of coverage you are seeking.  The standard policy is 7% of the coverage amount and CFAR (which includes standard) is 10.8%.  The maximum coverage is $100,000.

A Pre-Existing Condition means an illness, disease, or other condition during the sixty (60) day period immediately prior to the Effective Date for which the insured, Traveling Companion, Family member booked to travel with the insured: 1) exhibited symptoms which would have caused one to seek care or treatment; or 2) received a recommendation for a test, examination, or medical treatment; or 3) took or received a prescription for drugs or medicine. Item (3) of this definition does not apply to a condition which is treated or controlled without any adjustment or change in the required prescription through the 60-day period before the Effective Date.

The Pre-Existing Condition exclusion is be waived if coverage is purchased within the initial 14 days of making your initial trip deposit. Please read the full Certificate of Insurance prior to purchase for a complete definition of when the waiver applies.

Trip Cancellation coverage begins at 12:01 A.M. on the day after the date the plan payment is received. All other coverages begin when you depart on your covered trip.

The plan can reimburse you up to the maximum coverage amount for unused, non-refundable, prepaid travel costs if you are prevented from taking your trip due to one or more covered events listed in your Description of Coverage or Policy.

You can send an email to customercare@protectionbrands.com 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 customercare@protectionbrands.com 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 customercare@protectionbrands.com 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.

There is a non-refundable processing fee of $6 for the Standard plan and $8 for the Cancel For Any Reason (CFAR) plan. If you are canceling your policy during the review period and are eligible for a refund, you will be refunded the premium paid minus the processing fee.
Some states do not offer a premium refund after purchase. Please see quoted plan for details.

The first step when filing a claim is to call the CBP Claims Department at (833) 610-0736. A representative will send you the correct claim form and advise you of any supporting documentation that must be submitted with the claim. The type of claim being filed e.g. trip delay, trip cancellation, baggage delay, will determine the additional information needed. All documentation requirements are listed on the applicable claim form. Claims can be submitted via the US mail, fax, or through email.

Mailing Address: Coordinated Benefits Plans, P.O. Box 26222, Tampa, FL 33623  Email: NWTravClaims@cbpinsure.com

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.

If you have already purchased a travel insurance plan but now have additional trip cost to insure, our Customer Care Agents are able to assist you over the phone to increase the cost of the trip that you are insuring. Adding trip cost to your plan may result in a premium increase. There are some coverages that are time sensitive so you should add any additional trip cost as soon as you make that payment.

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.